vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
My Capital One Bank XXXX XXXX XXXX credit card ending in XXXX has been restricted due to identity verification issues. When Capital One Bank first opened up my account I sent Capital One Bank documents for verification of my identity and Capital One Bsnk approved my application for the Capital One Bank XXXX XXXX XXXX. Now Capital One is requesting once again, that I send identification documents to verify my identity, in order for Capital One Bank to remove the restrictive status from my Capital One Bank XXXX XXXX account. I received a letter from Capital One Bank requesting a call back to confirm that I applied for the account. I have called Capital One Bank numerous times to inform Capital One Bank that I applied for the account, theres no fraud on the account, no one has used my personal information to apply for the account, and I am not a victim of identity theft, concerning my account with Capital One Bank. I sent the same identification documents again to Capital One Bank, when Capital One Bank first approved my credit card application, but Capital One Bank refused to remove the restrictive status from my account, even though I have also been making payments on the account. Attached to this CFPB complaint is the same identity verification documents I sent to Capital One Bank for the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
Subject : Ally Auto Payment Misapplication, Failure to Properly Resolve Dispute, and Inaccurate Credit Reporting Complaint : I am submitting a complaint regarding my auto loan account with Ally Financial due to improper payment handling, failure to properly respond to a formal dispute, and inaccurate credit reporting. I entered into a paid extension agreement with Ally Financial in XX/XX/XXXX. As part of this agreement, I paid a {$75.00} extension fee and my payment terms were adjusted, including a reduced payment due in XX/XX/XXXX followed by regular monthly payments thereafter. Following this agreement, I made a one-time payment of approximately {$380.00}. Ally Financial has confirmed in writing that : They received the {$380.00} payment The payment was applied to my XX/XX/XXXX installment I was granted an extension on XX/XX/XXXX I was initially advised I would receive a refund for the payment within 710 business days However, despite these confirmations, Ally did not issue the expected refund and instead later stated that issuing a refund would have caused the account to become past due. They issued only a partial refund of {$86.00} and applied the remaining funds in a manner that does not align with the extension agreement. This has resulted in a disputed payment being treated as past due, despite the fact that my account is otherwise current. Additionally : I submitted a formal written dispute via certified mail on XX/XX/XXXX USPS confirms delivery on XX/XX/XXXX Ally has failed to properly acknowledge or respond to this dispute As a result of this issue : My account has been reported inaccurately as past due My credit has been negatively impacted I have received inconsistent and conflicting information from multiple representatives Requested Resolution : 1. Correct application or full reconciliation of the disputed {$380.00} payment 2. Written clarification of how the payment was applied relative to the extension agreement 3. Correction of any inaccurate credit reporting related to this issue 4. Formal acknowledgment and response to my certified dispute Supporting Documentation : Exhibit A : Extension Agreement outlining revised payment terms Exhibit B : Proof of {$380.00} payment made after extension agreement Exhibit C : Account status showing past due tied to disputed payment despite all other payments being current Exhibit D : Ally correspondence confirming receipt and application of disputed payment, including inconsistent refund information Exhibit E : Certified mail receipt and delivery confirmation Exhibit F : Credit report showing inaccurate reporting

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 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Following HSBCs responses to my previous CFPB complaints ( # XXXX and # XXXX ), I am submitting this complaint regarding the inconsistent application of the Cardmember Agreement in relation to the forfeiture of my rewards points. In case # XXXX, HSBC confirmed that my account was pending closure and had not yet been closed. However, in case # XXXX, HSBC stated that my rewards points had already been forfeited. According to the Cardmember Agreement, rewards points are forfeited upon account closure, not prior to it. The account status described in the earlier complaint response indicates that the account was still active at the time I requested to transfer my points. Additionally, HSBC relies on a clause stating that it may take away points in cases of misuse, which implies discretionary action. However, in my case, this appears to have been applied automatically, without allowing any opportunity to redeem or transfer the points while the account was still active. While I understand that HSBC may not disclose internal reasoning, the issue here is the inconsistent and premature application of forfeiture relative to the account status confirmed by HSBC itself. I made a legitimate request to transfer my points before account closure, and this request was denied without any alternative option to preserve their value. Given this, I request clarification on the contractual basis for forfeiting rewards points prior to account closure, and the opportunity to transfer or redeem the points before closure is finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Follow-Up Complaint False Statement & Failure to Investigate ( Prior CFPB Case # ____ ) Complaint : This complaint is a follow-up to CFPB Case # ____, which Experian closed without resolving the issue. In its response, Experian stated that I did not provide the requested information ( or similar language ). That statement is factually incorrect. I did, in fact, submit the requested documentation via fax to the number provided by Experian. I have fax transmission records confirming : The correct recipient fax number Date and time of transmission Successful delivery status The content of the documents sent Despite this, Experians response makes no acknowledgment of receiving or reviewing these materials. Additionally : Experian failed to review or reference available call recordings and voicemail communications documenting my attempts to resolve this issue. Their response did not address the substance of my complaint and appears to rely on a generic conclusion rather than a documented investigation. No explanation was provided regarding what records were reviewed or how their determination was made. This raises serious concerns that Experian did not conduct a reasonable investigation, as required. I am requesting that Experian : 1. Review the fax transmission records and documents previously submitted 2. Verify receipt of those materials within their internal systems 3. Review all call recordings and voicemail communications related to my account 4. Provide a detailed, evidence-based response addressing each issue raised At this time, the matter remains unresolved. Experians inaccurate statement regarding my submission of documentation and failure to review available evidence raises concerns regarding compliance with obligations under the Fair Credit Reporting Act ( FCRA ).

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 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this response XXXX formally XXXX aggressively dispute your false XXXX unsupported claim that my previous request was not submitted by me. This assertion is inaccurate, negligent, XXXX appears XXXX be an intentional tactic XXXX avoid your legal obligations. This dispute was filed directly by me, the consumer, XXXX not by any XXXX party. I am not working with any XXXX XXXX XXXX, XXXX XXXX XXXX, or outside company of any kind. Your repeated use of a generic, scripted responsewithout conducting an actual investigationconstitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA XXXX ( XXXX XXXX. XXXX ), you are required XXXX : - XXXX a reasonable investigation of all disputed information - Review all relevant evidence I submit - Provide the method of verification, including : XXXX. The name and contact information of the furnisher XXXX. The method used to verify the disputed information XXXX. Copies of all documents relied upon Your continued refusal to process my dispute, despite receiving proper documentation, is not only unlawfulit demonstrates clear negligence, bad faith, XXXX repeated non-compliance with federal consumer protection statutes. XXXX eliminate any excuse for your failures, I have provided full identity verification, including my government-issued ID XXXX proof of address. You now have no legitimate or lawful reason XXXX deny or dismiss my dispute. Your repeated closures of my disputes with identical, copy-XXXX-paste language is unacceptable, unlawful, XXXX a direct violation of your duties under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I use the Bilt app and credit card, which includes a feature to pay rent through their app ( through XXXX ). On XX/XX/year> I used it to pay my rent for XXXX ( {$2200.00} ) -- last month it took several days to go through ( longer than advertised ), so I did it early to ensure that my rent was delivered on time. The app threw a weird technical error ( " upstream request timeout '' ) and brought me back to the screen with the " pay now '' button. Since there was no confirmation, I took that to mean the payment did not go through, so I submitted it again. Shortly after, I saw in my email that I received two confirmation notices. I immediately used the in-app chat feature -- which uses an XXXX XXXX -- to communicate the problem. It informed me that the duplicate transaction had been canceled, and that it had been canceled in time such that the duplicate funds would not be deducted from my checking account ( which is with my credit union, and connected via the app ). Today when checking my balance, I saw that two withdrawals of {$2200.00} were made by Bilt on XX/XX/year>. I again used the chat feature, and the AI bot told me to contact my landlord to request s a refund. It offered to connect me to a specialist, but then directed me to email support. I am now waiting for their response. I am * LIVID *. This should not be allowed to happen, and an XXXX chatbot especially should not be able to take money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was the victim of an authorized push payment scam involving XXXX XXXX. I was deceived into sending {$2500.00} to a fraudulent individual under false pretenses. I immediately reported the fraud to my bank and filed a police report, but my bank denied my claim, stating it was a person-to-person transaction. This transaction was not a legitimate purchaseit was induced by fraud. I am requesting a full investigation and reimbursement of the funds, as well as documentation explaining the denial. I believe the bank failed to properly investigate this fraud claim.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: ID

Complaint narrative:
Current was notified by me of an unauthorized charge in the amount of XXXX. The following morning I received a notification stating the merchant processed a refund right after that notification i got a charge for the same amount same company. Currents customer support is non exsistent ive requested provisional credit sense the refund was processed yet i am still with out a provisional credit and no refund. Cant reach a live agent to save my life

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
ls : I am submitting this complaint regarding a fraudulent transaction involving an account held with Navy Federal Credit Union. In XX/XX/year>, my company, XXXX XXXX XXXX XXXX XXXX, facilitated an agreement for an XXXX appearance at a venue in XXXX XXXX. This arrangement was coordinated through XXXX individuals, XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ), who represented themselves as members of the artists official management team. As part of this agreement, I made XXXX payments XXXX a Navy Federal Credit Union account held by XXXX XXXX in the amounts of : {$5000.00} XXXX {$15000.00} XXXX XXXX XXXX confirmed receipt of at least XXXX payment on XXXX XX/XX/year>. However, the agreed service was never delivered, XXXX the funds have not been returned. Despite repeated attempts XXXX resolve the matter directly, XXXX XXXX has : Failed XXXX return the funds Been uncooperative in tracing the remaining balance Acknowledged receipt of funds without taking corrective action I believe this situation involves fraud XXXX misrepresentation, as the individuals involved falsely claimed affiliation with a legitimate XXXX management team in order XXXX secure payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: iQuantified Management Services, LLC
State: NC

Complaint narrative:
Keep receiving letters to collect medical debit, the amount keeps increasing and changes each time. I have asked them to stop contacting me and they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting on an account associated with XXXX XXXX that was placed with Harris & Harris XXXX. I paid this account in full, XXXX I have documentation confirming that the balance has been satisfied. Despite this, the account is still being reported with an incorrect balance XXXX/or negative status on my credit report. I have already contacted the company and disputed this issue, requesting verification of the debt XXXX correction of the account XXXX reflect a XXXX balance. I also provided proof of payment. However, the information has not been properly updated or corrected. This is inaccurate reporting. I am requesting that this account be corrected XXXX show a {$0.00} balance XXXX paid in full status, or removed entirely from my credit report if it can not be properly verified XXXX reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Harpeth Financial Services, LLC
State: DE

Complaint narrative:
I am filing this complaint against Advance Financial regarding a XXXX XXXX ' ( Account XXXX. XXXX ) that I believe uses predatory XXXX mathematically impossible terms. On my statement dated XX/XX/year> XXXX XX/XX/year>, my starting balance was {$400.00}. Despite making a payment of {$110.00}, my new balance actually increased XXXX {$410.00}. This occurred because the account carries an unconscionable Annual Percentage Rate ( APR ) of XXXX %. This rate resulted in {$110.00} in interest charges for a single monthan amount that exceeded my entire payment. Under these terms, even when paying over {$100.00} a month, my principal only decreased by {$9.00}. I believe these terms create a debt trap designed XXXX prevent the balance from ever being paid off. I am requesting that the company provide a fair, amortized payoff plan at a reasonable interest rate that allows my payments XXXX be applied significantly toward the principal balance. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.

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 2026-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
I acquired my home on XX/XX/XXXX this was a FHA loan since that purchase the loan has changed servicers 5 times in 6 years. XXXX Mortgage has had the loan the longest. In XXXX the took over the loan of which I was in a disaster forbearance at the time, they completed a loan modification then from what it looks like a correction to the modification was completed later that year the first modification was not removed from the deed ledger. An additional modification was made in XXXX that the amount I wasn't aware of. I have attempted to refi the loan twice to no avail, this 2nd time I was given all of the information that was in discrepancy. Hud is only reporting 2 modifications for this loan but the deed shows 3 I reached out to the company for help but has yet to receive any.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am writing to dispute the reporting of my loan account with [ Credit Acceptance ], account number [ XXXX ]. This account was previously being reported as having late payments and is now closed. However, I entered into a modified payment arrangement with the lender after falling behind. Under this agreement, the missed payments were added to future payments and I made payments according to those agreed terms until the account was paid in full. Because I complied with the agreed repayment plan, the reporting of multiple late payments does not accurately reflect the status of the account under the modified agreement. I am requesting that this account be corrected to reflect that it was paid as agreed under a payment arrangement, or that the late payments be removed. Please investigate this matter and update the account accordingly.

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