vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This account has been in dispute since XX/XX/year> due to multiple reporting discrepancies and inaccuracies being furnished by LVNV Funding and its servicer. Despite my repeated disputes, the inaccurate reporting continues. The account is being reported inconsistently across the credit reporting agencies. On XXXX the account is reported as a collection account with a balance of {$4400.00}, while on XXXX and XXXX the same account is reported as a charge-off with a balance of {$4400.00}. The same account can not simultaneously be reported as both a collection and a charge-off with different balances. Additionally, XXXX is reporting a XXXX late payment notation within the account history, which is inconsistent with a charged-off or collection account. These discrepancies demonstrate that the information being furnished is inaccurate and unreliable. These reporting inconsistencies include, but are not limited to : Conflicting account status reporting ( collection vs charge-off ) Balance discrepancies across credit bureaus Inaccurate payment history reporting ( XXXX late notation ) Inconsistent furnishing of account information to the credit reporting agencies Failure to properly investigate a disputed account I have attached screenshots from all three credit bureaus clearly showing these discrepancies. Despite this documentation, the account continues to be reported inaccurately. Under the Fair Credit Reporting Act, furnishers of information are required to report information accurately and investigate disputes. Furnishers must also comply with XXXX XXXX reporting standards, which require consistent and accurate reporting across consumer reporting agencies. Additionally, the continued furnishing of inaccurate information and failure to properly investigate disputes raises concerns under the Fair Debt Collection Practices Act. At this point, I am genuinely questioning whether XXXX XXXX believes it is above the law. This account has been in dispute since XX/XX/year>, yet the inaccurate reporting remains unresolved despite clear evidence of discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I hired a catering company ( XXXX XXXX XXXX, operating as XXXX * XXXX XXXX XXXX ) to provide catering services for a family event. The company failed to perform the contracted services, citing supplier issues. The merchant sent an email on XX/XX/XXXX confirming a full refund of {$23000.00}, but no refund was ever credited to my Citibank account. I filed disputes with Citibank on XX/XX/XXXX ( Claim Numbers : XXXX ; XXXX ; XXXX ) covering XXXX charges : {$7500.00} on XX/XX/XXXX, {$7700.00} on XX/XX/XXXX, and {$7800.00} on XX/XX/XXXX, all paid via XXXX XXXX to the same merchant XXXX I submitted all requested documents within hours of opening the claims, and completed and returned all required dispute letters via email to XXXX and by fax on XX/XX/XXXX. I was told I would receive provisional credits within XXXX business days if the dispute could not be resolved. Instead, on XX/XX/2026, Citibank denied all three claims stating the transactions were not reported within the required timeframe. This denial is improper. The dispute was filed just XXXX days after the merchant failed to perform on XX/XX/XXXX, and XXXX days after the merchant became unreachable. Citibank directed me to contact the merchant directly, which I can not do as the merchant stopped responding entirely. I am requesting a full refund of {$23000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Name : XXXX XXXX XXXX ID : from early warnings Date of Birth : XX/XX/XXXX XXXX ID Type : Driver 's License ID Number:XXXX Address:XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX ) XXXX XXXX am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX KY ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX - XXXX ( Open Date:XXXX ) Account # :XXXX Routing # :XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Chex systems Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. Sincerely, XXXX XXXX the Electronic Fund Transfer Act ( XXXX U.S.C. XXXX ) and Regulation XXXX, I am not liable for any unauthorized transactions or accounts opened fraudulently in my name. I did not use or benefit from these accounts. Please block and remove all such accounts associated with my Social Security number immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchased a washer and dryer through a XXXX credit account with Synchrony under what I understood to be an interest-free promotion. At the time of purchase, the financing terms were not clearly explained to me. I was not informed that the promotion involved deferred interest, that multiple balances could exist on the account, or that payments may not be applied in a way that would prioritize paying off the promotional balance. Based on my understanding, I believed I was making payments toward an interest-free purchase and that the balance would be paid off by around XXXX. After reviewing my account and contacting the company, I was informed that there is still approximately {$1100.00} remaining on the promotional balance. I was told that I have 30 days to pay this amount in full or I will be charged approximately {$800.00} in deferred interest. This was unexpected and was never clearly explained to me at the time of purchase. When I contacted customer service, I was told that the details were included on my billing statements, but this information was not clearly disclosed or explained in advance in a way that allowed me to make an informed decision. I attempted to resolve this by calling the company, but the response I received did not address the lack of clear disclosure at the time of purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unauthorized account debit/ Right of offset dispute I am filing a complaint regarding an unexpected withdrawal of {$4600.00} from my personal bank account by Bank Of America The bank states this was due to a right of offset related to a charged-off business account. However, I was under the impression that this debt had already been sent to collections and was no longer owned by the bank. I did not receive clear notice that funds would be removed from my personal account. This withdrawal has caused severe financial hardship, as it has left me unable to pay essential expenses, including filing my taxes. I am requesting the following : XXXX. Verification of the debt, including whether the bank still owns the debt or if it was sold or assigned to a third party XXXX. A copy of the agreement showing authorization for the bank to withdraw funds from my personal account for a business debt XXXX. Documentation showing how the {$4600.00} amount was calculated XXXX. Confirmation that proper notice was given before this action was taken XXXX. Immediate review of whether this offset was conducted in compliance with applicable laws and regulations If the bank is unable to provide proper documentation supporting this action, I am requesting a full refund of the {$4600.00}. I would also like this matter escalated for further investigation, as I am currently exploring bankruptcy and need clarity on whether this transaction may qualify as an improper or preferential transfer. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint against USAA regarding the mishandling and closure of my checking account, which caused serious financial hardship and disruption to my life. USAA closed my checking account and mishandled my funds, which caused my money to be tied up and unavailable to me when I needed access to it. As a direct result of XXXX actions, I was unable to properly access my own money and this contributed to me falling behind on important financial obligations, including my housing. This situation placed me at risk of eviction and caused unnecessary financial and emotional distress. After this occurred, USAA sent me written communication stating that I was eligible for compensation. They initially offered me {$320.00} and also advised me that I could apply for additional compensation if I believed I suffered further harm. Based on the seriousness of the hardship their actions caused, I submitted a request for additional compensation. It has now been over XXXX months and I still have not received a proper resolution, meaningful follow-up, or fair remediation for the damages I experienced. XXXX handling of this matter has been delayed, insufficient, and has failed to address the true extent of the harm they caused. As a result of XXXX actions, I suffered loss of access to my own funds which I CONTACTED USAA ABOUT PRIOR TO ME BEING EVICTED. I EVEN TOLD THE USAA PRESIDENTS XXXX THAT I WAS AT RISK OF Financial hardship Housing instability and of course due to their negligence I was eventually evicted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On Wednesday, XX/XX/year>, I used my Capital One debit card at a car wash to pay for a service. Shortly afterward, I noticed unauthorized fraudulent charges on my account totaling approximately {$300.00}. The specific fraudulent transactions were : XXXX orders from XXXX ( {$17.00} and {$34.00} ) and one Walmart transaction for {$160.00}. I immediately called XXXX XXXX debit card fraud department at XXXX and reported the charges as fraud, likely caused by a card skimmer at the car wash. The representative confirmed the issue and placed a hold on my account. However, they told me I have to wait 5 days ( until the pending transactions post or drop ) before they can take further action or resolve anything, because the charges might not actually process. As a result, the fraudulent activity has left my account with a {$0.00} balance. I am unable to access my own money for gas, groceries, bills, or other daily necessities. I have called back multiple times requesting provisional credit under Regulation XXXX while the investigation continues, or at least an expedited replacement debit card. Each time, the representatives have instructed me to wait the full 5 days. This has left me without funds due to fraud that occurred through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
A collection account reported by Central Portfolio Control Inc. on behalf of Texas XXXX XXXX XXXX appeared on my credit report in the amount of {$1000.00}. I have absolutely no knowledge of this alleged debt and never received any initial notice or communication from this company before the account was placed on my credit report. Under the Fair Debt Collection Practices Act, consumers are required to receive an initial written notice of the debt and their right to dispute it. This never occurred in my case. I have repeatedly requested proper validation of this alleged debt, including documentation proving that I owe the debt, the original agreement for the services, and a detailed itemization of the balance. My requests have been ignored for more than 60 days. Despite my disputes, the company continues to report the account to the credit bureaus without providing any documentation verifying the debt. I have attached copies of my disputes and supporting documentation. Under the Fair Credit Reporting Act, furnishers of information must report accurate information and conduct reasonable investigations when a consumer disputes an account. Furnishers must also comply with XXXX XXXX reporting standards, which require accurate and verifiable reporting of consumer accounts. Because the company has failed to provide validation, failed to properly investigate my dispute, and placed this account on my credit report without providing the required initial notice, the continued reporting of this account raises serious concerns regarding compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I disputed unauthorized transactions initially totaling {$1300.00} ; after reconciling the charges, the correct disputed amount is {$1200.00}, and this corrected amount was communicated to Bank of America. I filed a police report with the XXXX XXXX Police Department ( Report # XXXX ). The report documents fraudulent use of my credit card. Bank of America denied my claim on XX/XX/year>. The only explanation provided was that statements were mailed to my address and that payments were made on the account. This does not establish that the transactions were authorized and does not demonstrate that a reasonable investigation was conducted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am disputing inaccurate credit reporting by Jefferson Capital Systems LLC regarding a collection account. On or around XX/XX/year>, I noticed a significant drop in my credit score after this account was updated. I had previously disputed this account with the credit bureaus and also requested a method of verification from the company. Despite this, Jefferson Capital Systems LLC continued to report the account without providing proper documentation validating the debt. I specifically requested validation including the original creditor information, signed agreement, full payment history, and documentation showing the chain of ownership of the debt. This information was not properly provided. Additionally, this account appears to be related to a repossessed vehicle that was sold at auction. I have not been provided with documentation showing the sale of the vehicle, the amount it was sold for, or how the remaining balance was calculated. I also did not receive documentation verifying the deficiency balance. Without this information, the amount being reported is unverifiable and may be inaccurate. Furthermore, this account is being reported inconsistently across credit bureaus. The last reported date differs between Equifax and TransUnion, which raises concerns about the accuracy and reliability of the reporting. Jefferson Capital Systems LLC is also listed as the original creditor. Based on my understanding, this company is a debt collector and not the original creditor of the alleged debt, which further indicates inaccurate reporting. The account continues to be reported and updated while marked as disputed, which has negatively impacted my credit score. I am requesting that this account be either properly validated with complete and accurate documentation or removed entirely from my credit reports due to inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MN

Complaint narrative:
XX/XX/year> I received an email from chime stating my checking account was closed. Upon calling chime they stated due to fraudulent activity they closed my account and would send me a check with my remaining balance of {$940.00}. On XX/XX/year> I received a check for {$440.00} m. I contacted chime to find out where my other {$500.00} was and they would not provide me with any information, would not connect me to anyone that would help and hung up on me. I took a screenshot from a different account showing a charge for {$500.00} for " incomm recovery request '' which happend minutes before my account closed. I did not authorize any transactions in the amount of {$500.00} and am trying to get my money back but chime will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Basically Chase decided to close my checking and savings accounts due to the " misuse of the claims process. '' I opened complaints about fraudulent charges on several occasions for different reasons with chase as well as they must have recorded in their calls. Sometimes because I lost my card, or it was stolen, other times because the replacement cards simply never reached me, or they were not delivered to my address or they were lost. If in the calls between customer service and me, there is any discrepancy on my part or in the data I gave, let me know, because it does not seem fair to me that because I claim charges from a card that I had lost or that I never had, they close the account where I have my money, simply for not wanting to assume some charges that I did not do and that someone else did pretending to be me. I also don't think it's fair that Chase doesn't give me the option to dispute or claim this decision and that's why I come here directly. If necessary, I can present evidence signed and attested by my employers that I was in my workplace all the time, and from people who live with me, to confirm that there is no way I have been responsible for the transactions. I can present the evidence they need, what I don't think is fair is that they close my account without giving me the opportunity to prove innocence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. I request correction blocking and deletion of inaccurate personal information under FCRA Sections XXXX XXXX and XXXX. My only correct legal name is XXXX XXXX XXXX XXXX and all other name variations must be removed and permanently blocked. My only valid address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and all other addresses must be deleted and blocked. My only valid phone number is XXXX and my only valid email address is XXXX. Any other contact information must be removed and blocked. Under FCRA 605B identity theft information must be blocked and under FCRA 611 and 607b all information must be accurate and properly investigated. I request written confirmation that all inaccurate personal information has been removed corrected and permanently blocked.

Company response to consumer: Closed with explanation