vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to dispute inaccurate information appearing on my consumer credit report. The account ( s ) listed below are being reported inaccurately and require reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Creditor/Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : XXXX {$470.00} XXXX {$780.00} XXXX {$470.00} XXXX {$760.00} The account has not been properly validated. The reporting is inaccurate and incomplete. The furnisher has failed to provide sufficient documentation proving ownership and accuracy of the debt. If included in bankruptcy, the balance and status are being reported incorrectly. The account may reflect inconsistent information between credit bureaus. Please conduct a reasonable reinvestigation and provide : 1. The method of verification used. 2. The name, address, and telephone number of the party that verified the account. 3. Copies of all documents relied upon during your investigation. 4. Chain of command 5. transfer agreements 6. bill of sales If debt was was cancelled did not receive a 1099-C Please conduct a reasonable reinvestigation and provide : 1. The method of verification used. 2. The name, address, and telephone number of the party that verified the account. 3. Copies of all documents relied upon during your investigation. If the furnisher can not verify the account with competent documentation, the account must be deleted pursuant to the FCRA. Additionally, please ensure that any account discharged through bankruptcy reflects a XXXX balance and accurate reporting status. I request that you send me an updated copy of my credit report upon completion of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
I am disputing a collection account that has already been paid in full yet continues to appear on my credit report. The continued reporting of this account is inaccurate, misleading, and unfairly damaging my credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
DEBT RECOVERY SOLUTIONS have been. threaten me over debt that doesn't belong to me I am a victim of human tracfikking and they can not give me vertifcation. that this is my account and my doing. The are illegally keep this on my account breaking rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
I live in Missouri but have a California area code ( XXXX ). Ive received a call from a XXXX number ( XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX ) every day for the past 4 days. I finally answered today and it was a debt collector based in Iowa ( The CBE Group , Inc ). This is illegal under the Fair Debt Collection Practices Act, for deception. When I asked why its showing up as a California number the worker in Iowa was unsure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to CREDENCE RESOURCE MANAGEMENT under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to CREDENCE RESOURCE MANAGEMENT, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to dispute inaccurate information appearing on my consumer credit report. The account ( s ) listed below are being reported inaccurately and require reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Creditor/Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : XXXX {$470.00} XXXX {$780.00} XXXX {$470.00} XXXX {$760.00} The account has not been properly validated. The reporting is inaccurate and incomplete. The furnisher has failed to provide sufficient documentation proving ownership and accuracy of the debt. If included in bankruptcy, the balance and status are being reported incorrectly. The account may reflect inconsistent information between credit bureaus. Please conduct a reasonable reinvestigation and provide : 1. The method of verification used. 2. The name, address, and telephone number of the party that verified the account. 3. Copies of all documents relied upon during your investigation. 4. Chain of command 5. transfer agreements 6. bill of sales If debt was was cancelled did not receive a 1099-C Please conduct a reasonable reinvestigation and provide : 1. The method of verification used. 2. The name, address, and telephone number of the party that verified the account. 3. Copies of all documents relied upon during your investigation. If the furnisher can not verify the account with competent documentation, the account must be deleted pursuant to the FCRA. Additionally, please ensure that any account discharged through bankruptcy reflects a XXXX balance and accurate reporting status. I request that you send me an updated copy of my credit report upon completion of your investigation.

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 non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have a small business account. I was expecting a payment after the completion of a XXXX XXXX in the form of an EFT/ACH. On the XXXX invoicing site, the staus of the payment showed as " processing '' on XX/XX/2026 and as " PAID '' on XX/XX/2026. The trace number provided is # XXXX. Bank of America has no record of this electronic payment coming through. I have exhasted all avenues of investigation on the XXXX payment side. They produced a settlement report showing the payment as being deposited in my bank account. All the routing and account numbers they showed in this settlement report are correct. They can not recall the payment because it shows as paid. They would be requesting Bank of America to return a depost that Bank of America is claming to have no record of. BOA has offered to investigate as a missing deposit, but they assured me this investigation will produce nothing. I feel like there has been an error on the bank 's side that they are unwilling to look into.

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 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am filing this complaint against Synchrony Bank ( CareCredit ) for failing to conduct a good-faith investigation under the Fair Credit Billing Act regarding a defunct, defective medical device merchant ( XXXX XXXX ) .I purchased XXXX clear aligners in XXXX. From XXXX through late XXXX, my teeth never straightened as promised. The product was structurally defective ; the clear aligners repeatedly cracked and failed to track my teeth, forcing XXXX to ship me two separate sets of replacement aligners mid-treatment. Despite these replacements, the product completely failed to achieve the promised results.

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 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: NY

Complaint narrative:
I purchased a mobile phone through XXXX using Zip 's Buy Now, Pay Later service. The item was explicitly listed as " New in Box. '' Upon arrival, the phone was clearly used and damaged ( not in new condition ). I initiated a dispute with Zip and provided photographic evidence of the item 's condition. Zip denied my dispute with a boilerplate response stating that because " the merchant is legitimate and active, '' they would not issue a refund. They instructed me to contact the merchant ( XXXX ) to resolve the issue. However, XXXX has since suspended/banned my account due to " multiple returns, '' making it impossible for me to contact the merchant or use their internal resolution tools. I informed Zip of this, but they have refused to investigate the actual quality of the goods provided. Zip is failing to fulfill its role as a lender by : Ignoring a " Significantly Not As Described '' claim despite evidence provided. Providing a non-responsive denial based on the merchants " status '' rather than the transaction 's " validity. '' Refusing to assist after the merchant blocked my access to direct resolution. I am requesting a full refund of all installments paid and the cancellation of any remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> i was the victim of check scam/ crypto/ bitcoin fraud scheme were i was sent bad fake checks, deposited those funds to CASH APP, where they converted to bitcoin and of course then the checks bounced the next day of course. My complaint is about fact CASH APP has given zero help or assistance with matter, didn't even want to take down the info I had on the scammed, including phone numbers, txt msgs, screenshots of transactions, etc. Only thing they seemed to want to make sure I understood was they wasn't giving any money back, not their fault. Didnt even connect me to their fraud dept. U think a customer should be treated better.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Winklevoss Exchange LLC
State: NC

Complaint narrative:
In XX/XX/year>, my wife opened a XXXX Credit Card. She sent me an authorized user invitation through her account. When I attempt to accept the invitation, the system asks for my phone number and sends a 6-digit SMS verification code. The input field requires 7 digits. The code can not be entered and the process can not be completed. This is a bug in XXXX XXXX authorized user verification flow. I have been attempting to resolve this through XXXX XXXX email support since XX/XX/year>, over 6 months. XXXX XXXX support team has repeatedly sent boilerplate responses requesting identity verification photos and 2FA resets, neither of which are related to the issue. I have submitted identity verification photos previously. My 2FA works correctly and I can log into my account without any issues. XXXX XXXX support team has referenced problems with my email and password that have never existed and were never mentioned by me. Every response has failed to address the actual bug.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
On XX/XX/year>, I authorized an ACH payment to Total Visa using my XXXX XXXX XXXX XXXX account. Between XX/XX/year>, and XX/XX/year>, fraudulent activity and identity theft occurred on my XXXX XXXX XXXX XXXX account. Due to the fraud, I was forced to close the account. At the time the account was closed, I left funds available to cover the ACH payment ; however, ACH fees and overage charges reduced the balance. In XX/XX/year>, I resent a payment of {$200.00} to Total Visa. My Total Visa account is now suspended for 30 days or until I submit a bank statement showing my name. I also currently see a {$0.00} balance on the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately. Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights 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 non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United PanAm Financial Corp.
State: AR

Complaint narrative:
I am submitting a formal complaint regarding my purchase of a XXXX XXXX XXXX purchased through Vroom and financed through United Auto Credit Corporation. At the time of purchase, I was not properly informed about the vehicles prior accident history and condition issues. I relied on the representations made during the sales process and later discovered concerns that significantly affected the vehicles value and my financial situation. The vehicle was financed for an amount exceeding {$42000.00}, and due to the circumstances surrounding the purchase, fees, and account issues, the account has now been charged off with a balance still being reported. This situation has severely impacted my credit and financial stability. I believe the transaction involved inadequate disclosure and unfair sales practices. I am requesting that Vroom review this matter and work toward a reasonable resolution, including possible financial relief, assistance with the outstanding balance, correction of reporting issues, or settlement discussions. Please provide : * All documents related to the vehicle condition and disclosures * Carfax/history records provided before purchase * Inspection records * Any communications or representations regarding the vehicle condition I would appreciate a written response within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
wording I am formally disputing the repossession account reporting on my credit file pursuant to the Fair Credit Reporting Act Section 611. The information being reported appears inaccurate, incomplete, or unverifiable. I request a full investigation and verification of the account, including the original contract, payment history, date of first delinquency, repossession records, and calculation of any deficiency balance. If the information can not be verified as accurate, please remove or correct the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal is falsely claiming I owe {$25.00} for a transaction that was declined by my bank and refunded by the merchant. I have provided proof that no transaction was given to my bank in my records. Collections refuses to resolve without costing me more time and money to fax, which I can not send. This is harassment. A check online shows this is a common problem for PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Williams & Fudge Inc XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation & Cease and Desist Account Number : [ XXXX ] To Whom It May Concern, I am writing in response to a notice regarding the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this alleged debt. I do not acknowledge this debt and request that you provide proper documentation to verify its validity. Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt The amount of the debt, including an itemization of any interest, fees, or charges Copies of any agreements or contracts bearing my signature Documentation showing that you are legally authorized to collect this debt Cease and Desist Notice : Pursuant to my rights under the FDCPA, I hereby demand that you cease and desist from all communication with me regarding this alleged debt, except to provide the requested validation or to notify me of specific legal action being taken. This includes, but is not limited to : Phone calls to my home, workplace, or mobile phone Emails, text messages, or any other electronic communication All future correspondence must be in writing and sent to the address listed above. Furthermore, you are instructed not to report this account to any credit reporting agencies until proper validation has been provided. If this account has already been reported, any unverified or inaccurate information must be removed immediately. If you fail to comply with this request, I will document your actions and may file complaints with the appropriate consumer protection agencies. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I am filing this complaint against Bank of America regarding an unfair, inaccurate negative mark placed on my credit report due to a Bank of America system error and subsequent mobile application failures. My Bank of America credit card was actively enrolled in autopay. Bank of America migrated its internal payment systems, which unexpectedly deactivated my working autopay setup. I did not receive proper notice of this deactivation, nor did I receive any past-due alerts stating my account had a delinquent {$20.00} balance. As soon as I discovered the {$20.00} balance was past due, I immediately attempted to resolve it. I logged into both the Bank of America online portal and the mobile app to link my checking accounts ( XXXX XXXX and XXXX XXXX XXXX XXXX ) to pay the balance. The Bank of America platform repeatedly failed, throwing a technical error stating : " Account Not Added - Try Again Later. '' I was forced to call customer service to manually process the payment. Bank of America representatives acknowledged the system migration issues but falsely claimed they could not fix the reporting error, telling me to dispute it with the credit bureaus instead. This negative credit mark is the direct result of Bank of Americas system overhaul deactivating a functioning autopay, combined with severe mobile app technical errors that actively blocked me from paying the balance online.

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