vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
A collection on my TransUnion credit report was reverified and updated, but the information reported is inaccurate. The balance being reported contradicts original lease and utility records, which show the account was paid.If a proper investigation was conducted, it would be resolved. This account requires a thorough review and 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 explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I sent a written request for PMI removal to the address PNC Bank provided- the request was sent on XX/XX/year>. Over a month later, on XX/XX/year>, I received the request marked " Return to Sender - Unable to Forward ''. I immediately reached out to PNC Bank and confirmed that the address was correct. They assured me it was, and asked that I resubmit the information. I then sent it Certified Mail via XXXX and I included the following documentation : the required form for PMI deletion, the return to sender envelope, confirmation of the correct address from the PNC Bank representative, and a summary of the situation requesting backdated PMI deletion due to their error in receiving my mail, which will ultimately cause a delay in PMI deletion. On XX/XX/year> I received written correspondence from PNC Bank stating they would not backdate PMI deletion because it was not their fault- I disagree as both times I sent the reuqest to the same, correct address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This complaint is a follow-up to CFPB XXXX # XXXX. The companys response is incomplete and does not properly reconcile the account. The transactions in question were exchanges of defective merchandise, not new purchases. The company treated replacement items as new charges while failing to properly offset the corresponding returns. Specifically, the {$770.00} refunded item ( confirmed by Best Buy ) was not correctly applied in the account reconciliation. When properly accounting for exchanges ( original purchase minus returned defective item plus replacement ), the net balance should be XXXX or a credit. Instead, the companys method double-counts charges and creates an artificial balance. Additionally, the response does not address missing rewards/points or price match adjustments tied to the original purchase. I am requesting a full transactional reconciliation of all exchange activity, including : Proper netting of purchases and returns Application of all refunds Restoration of rewards/points and price adjustments Reversal of all interest charges related to the incorrect balance Correction of the account to reflect the accurate balance ( zero or credit ) The prior response confirms the transactions occurred but fails to apply them correctly.

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My account got closed because of fraud my account was hacked plenty of times to where I had to make disputes to get my money back I barely used my account because my other sibling had access to it but my account got closed on the XXXX I went into the branch to try to get my money released but the back office couldnt release my money its been 15 days I need my money I have kids to take care of it shouldnt be too much to process if my account is already closed I just want my money I want my check mailed I have kids to take care of and Im sitting here waiting on my money out of my account I had a whole pay check sent in there before my account got closed and I cant even use it because the account got closed I just want my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo ATM malfunctioned during a cash deposit of approximately {$3400.00} on [ XX/XX/year> at XXXX ] at [ Wells Fargo on XXXX XXXX XXXX ]. The ATM jammed, could not verify the deposit amount, and only issued a {$0.00} temporary credit. Wells Fargo advised the investigation may take XXXX business days, but these are funds needed immediately for rent and essential living expenses. I am requesting an immediate provisional credit for the estimated deposited amount pending ATM balancing and journal review, plus reimbursement of any late fees or overdraft charges caused by the malfunction.

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 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Zendable, Inc.
State: AZ

Complaint narrative:
Account is fraudulent. Opened without my knowledge. Remove tradeline and inquiry, even with a credit freeze they still managed to open an account that is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied for a Care credit card. Was told the promotion rate was 0 percent for 24 months. As soon as I applied for the card they stopped the promotion and started interest at a lower rate. I got my first bill. Paid it off. Now they are telling me two different instant payment through my bank but they wont credit it towards my limit for one tells me it flagged money laundering and o another tells me because Im a new customer. This money came right from my bank!!! I instantly paid this card off from my bank. They should have to wait 7 days to raise my limit back up. They are holding my money hostage and my credit limit on hold when I paid this card off immediately!!! They changed the terms of the contract right after I got the card. How can they do this!!! I see many complaint on this card online for the same issues. This card also dropped my XXXX XXXX XXXX points. People are being told interest free for so many months when infact that is not true at all and when paying in full instantly they still put a hold on your account!!! I have a {$3000.00} limit and they wont credit my account. Thats the point also of paying early so theres no late fees. They refuse to credit my account!!!!!!!!!!!!!!

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 monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I disputed an alleged account reported by Portfolio Recovery Associates , LLC ( PRA ). After receiving my dispute, PRA provided limited documentation, including billing statements and a letter from XXXX XXXX stating that an account was sold. However, PRA failed to provide sufficient validation of the alleged debt. Specifically, PRA did not provide : Any signed agreement between myself and the original creditor A complete chain of assignment demonstrating PRAs ownership of the account Account-level documentation sufficient to verify the balance and liability The documents provided are insufficient to establish that I am legally obligated for the alleged debt or that PRA has the right to collect it. Additionally, the address used in PRAs documentation matches address information that I have previously disputed as inaccurate with consumer reporting agencies. This raises concerns that PRA relied on unreliable or incorrect identifying information in attributing this account to me. Despite these deficiencies, PRA continues to report the account as verified to consumer reporting agencies. I made a good faith request for validation, but PRA failed to provide the requested information and instead relied on incomplete and insufficient documentation. I am requesting that PRA either provide proper documentation establishing contractual liability and ownership of the account, or immediately cease collection efforts and request deletion of the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/year>, I disputed the above-referenced account with TRANSWORLD SYSTEM INC demanding they provide me with contact and identification verification used at the time of this transaction, a signed contract between myself and the company used during the transaction, or any other relevant information to legally support the {$290.00} debt they claim I owe them. Even though the company has failed to provide me with any of the information requested in the initial dispute, they continue to report negative remarks on my credit profile that is affecting my livelihood. On XX/XX/year>, TRANSWORLD SYSTEM INC reported a " late payment '' to my credit profile that dropped my score tremendously. This negative activity has significantly affected my personal and professional life. To date, TRANSWORLD SYSTEM INC is STILL reporting this account on my credit profile. Despite my efforts to resolve this matter directly with TRANSWORLD SYSTEM INC, the issue has not been resolved. This company has failed to respond adequately and continues to engage in the same predatory conduct. I believe this behavior violates consumer protection laws pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), the furnisher was legally required to conduct a reasonable investigation and report the results within the statutory timeframe. Their failure to respond constitutes a failure to investigate. Because no verification was provided to me within the time allowed by law, the continued reporting of this account is inaccurate, unverifiable, and unlawful. As such, you are required to DELETE this account immediately from my consumer file. Any attempt to continue reporting this account, or to reinsert it without proper certification as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), will be considered willful noncompliance and negligent violation of federal law. Pursuant to 1692e ( 10 ) clearly these XXXX entities are using deceptive means to collect a debt, which is also unlawful. As a result of this issue, I have suffered the following harm ( XXXX ) : Financial loss Damage to credit Emotional distress / inconvenience Denial of credit and job opportunities Homelessness

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am filing this complaint because Toyota and the credit bureaus have failed to conduct a reasonable investigation under the FCRA. My report dated XX/XX/XXXX, shows a blatant accounting error : a 'Written Off ' amount of {$36000.00} vs a 'Past Due ' balance of {$7300.00}. These numbers are contradictory. Furthermore, the creditor is 'monthly refreshing ' the status as of XX/XX/XXXX for a XXXX debt, which is a predatory re-aging tactic. I have already attempted to resolve this directly, and the company has willfully ignored the evidence provided. See attached screenshots. " Evidence of Predatory Re-aging. '' " Evidence of Mathematically Impossible Accounting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am submitting a new complaint regarding a collection account reported by National Credit Systems related to XXXX XXXX XXXX in the amount of {$810.00}. I have previously disputed this account directly and also submitted a prior complaint. Despite this, the account continues to be reported inaccurately and inconsistently across multiple credit bureaus. 1. * * Duplicate Full-Balance Reporting Across Co-Tenants * * The same {$810.00} balance is being reported separately on both my credit report and a co-tenants credit report. This creates duplicate liability for the same alleged debt rather than proper joint reporting or allocation of responsibility. This is misleading and does not accurately reflect the true obligation. 2. * * Inconsistent Reporting Across Credit Bureaus * * The account is being reported differently across the credit bureaus. XXXX has updated the account to closed, while XXXX and XXXX continue to report the account as active. This inconsistency raises concerns about the accuracy of the reporting. 3. * * Failure to Conduct a Reasonable Investigation * * All three credit bureaus returned the account as verified despite being provided information regarding duplicate reporting and inaccuracies. This suggests that the furnisher relied on automated verification rather than conducting a reasonable investigation as required under the Fair Credit Reporting Act. 4. * * Failure to Clarify or Document Liability Structure * * The documentation provided does not clearly establish how the balance is allocated between co-tenants or justify reporting the full amount on multiple consumer files. 5. * * Failure to Respond to Direct Dispute * * I sent a direct written dispute to National Credit Systems regarding this account and the inaccuracies outlined above. I did not receive any response or meaningful investigation results. Despite this, the account continues to be reported as accurate. This raises further concern that a reasonable investigation was not conducted as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding improper debt collection and failure to validate a disputed debt. I was contacted by SIMM Associates , Inc. regarding an alleged debt owed to XXXX, XXXX. I timely disputed the debt and requested validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In response, SIMM Associates provided documents that do not establish that I am the obligated party. Specifically : The contract provided is in the name of a different individual ( XXXX XXXX ) No documentation bearing my name or signature was provided My name is misspelled in their records No evidence was provided linking me to the alleged account Despite this, the collector continues to attempt to collect and has requested that I provide sensitive personal information such as my Social Security number in order to locate the account. This is improper and suggests they do not have a reasonable basis to associate this debt with me. This conduct constitutes : Failure to validate a disputed debt under 15 U.S.C. 1692g Attempting to collect without a reasonable basis Use of inaccurate and misleading information Potential violations subject to civil liability under 15 U.S.C. 1692k I do not owe this debt. I am requesting that : 1. This account be immediately closed 2. All collection activity cease 3. Any credit reporting be deleted 4. Confirmation be provided that my information will not be used or shared further I am also requesting an investigation into the collection practices of SIMM Associates , Inc . This is a formal consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing the account being reported by LVNV Funding LLC because it is inaccurate, unverified, and has not been properly validated. I have previously disputed this account and requested validation ; however, LVNV Funding LLC has failed to provide documentation establishing that this debt is mine or that they have the legal right to collect. Specifically, they have not provided : Proof of ownership of the alleged debt ; A complete chain of assignment from the original creditor to LVNV Funding LLC ; A copy of any agreement bearing my signature ; Documentation showing the amount claimed is accurate and valid. Despite the lack of validation, this account continues to be reported to consumer reporting agencies, which is causing significant harm to my credit and ability to obtain housing and financial opportunities. The credit reporting agencies have stated that the account was verified ; however, no documentation has been provided to me to support this verification. A reasonable investigation under the Fair Credit Reporting Act requires more than simply relying on the furnishers response. Reporting information that can not be properly verified is a violation of the Fair Credit Reporting Act. Additionally, continuing collection activity without providing proper validation is a violation of the Fair Debt Collection Practices Act. I have made good faith efforts to resolve this matter, but LVNV Funding LLC has failed to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
Cash App has taken money out of my account and I dont even have a Cash App account and have not authorized anyone to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
In XXXX, XXXX came to my house to install cable. I said I didnt order it and turned them away. I then called and they said I just activated a mobile number. I notified them it was fraudulent. They said it would be removed within XXXX days and closed. I then get a collections notice from credence resource management for the bill. The collection amount is {$350.00}. I call XXXX. They say I owe XXXX. I tell them to check the notes. They can see it was reported but they still billed it and then sent to collections. They said they cant remove the charge because the account is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I went to online portal to make my monthly payment and noticed that my escrow was extremely negative. So I called a couple of times and was transferred to different representatives. Lending company did not even know why they paid late. I finally took this into consideration and called the lender again and spoke to a supervisor and asked to have it investigated. The lending company finally paid the property taxes very late. When I called to ask why they paid late. The representative said something about the amount of the check was wrong. So they reissued the check. Name of mortgage lender is Planet Home Lending

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am writing to formally dispute a closed account that is currently being reported on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be accurate, complete, and verifiable. I am requesting a full investigation into this account, including verification of its accuracy, status, and reporting history. If this account can not be properly verified, or if any portion of the reporting is inaccurate, incomplete, or inconsistent, you are required under 15 U.S.C. 1681i to remove this from my credit report immediately. Additionally, if this account is no longer active and can not be substantiated with full documentation, including the original agreement and complete payment history, it should not continue to be reported in a manner that negatively impacts my credit profile. Please provide documented proof that this account has been reported in full compliance with all applicable laws and reporting standards. If such proof can not be provided, I demand that you remove this from my credit report without delay. Failure to comply with this request will result in escalation of this matter to the Consumer Financial Protection Bureau and may lead to further legal action for violations of federal law. I expect written confirmation of the results of your investigation within the required 30-day timeframe.

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