vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my XXXX score, causing difficulties in maintaining my financial stability. I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong XXXX score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. Thank you for your support and cooperation in correcting these inaccuracies.

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 2026-04-15 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report, as it does not accurately reflect my true credit history or account status. Upon review, I have identified discrepancies indicating that the information may be incomplete, outdated, or incorrectly reported, which is negatively impacting my credit profile. I respectfully request a thorough investigation and proper validation of this account, and if the information can not be verified as accurate and complete, I request its prompt correction or removal in accordance with applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: LA

Complaint narrative:
I have a collection account with the total of {$480.00} balance that has been reporting since XXXX. I reached out to the collection agency to resolve this, but they do not have the information or account on file. I was told that the account wasnt uploaded yet but that is not true because it has been since XXXX. I can not fix this issue because portfolio recovery associates doesnt have the account in their system so theres no way for me to even pay. If this was my debt. Im not sure how they are reporting something. They dont have a clue of, but it needs to be taken off of my credit immediately. File uploaded shows they do not have this account on file at all. This is my log in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My Cash App account was unexpectedly closed shortly after I received a {$700.00} payment from a friend on XX/XX/year>. I use the account for standard peer-to-peer transactions, including sending and receiving money and sending deposits for services, and I have not engaged in any fraudulent or prohibited activity. When I contacted support, I was not provided with any specific reason for the closure. I was told they did not have visibility into the decision and could not identify what activity triggered it. I was also asked to provide supporting documentation without being given any details, making it impossible to respond or participate in any meaningful review. This lack of transparency and absence of a clear appeals process raises concerns about due process and fair access to financial services. Based on similar reports from other users, this appears to reflect a broader pattern of account closures without explanation, inconsistent enforcement, and limited recourse for consumers. I am requesting a full review of my account and a broader examination of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is a follow-up to CFPB complaint XXXX, filed XX/XX/year>, against American Express National Bank regarding a frozen High Yield Savings Account. Since filing, the following has occurred : On XX/XX/XXXX, after hours on hold, I finally reached a representative. I was asked to verify XXXX things : ( 1 ) that I had made a {$620.00} transfer which was a payment to my own American Express card, visible on the same account webpage ; and ( 2 ) that I had attempted to link a XXXX bank account for transfers. I confirmed both. I also offered to skip the XXXX bank linking if it was causing the delay, but the representative insisted it was required before the restriction could be lifted. The representative emailed me a link and requested that I upload the most recent statement from the XXXXlinked account. I did so the same day, XX/XX/XXXX. Important note on the statement : The account in question is a XXXX XXXX XXXX Account. XXXX uses XXXX Bank as its custodian, so the statement shows XXXX branding not XXXX. This is standard for this product and does not indicate the statement is incorrect or insufficient. On XX/XX/XXXX, I called again. A representative told me they would expedite the matter and call me back that same day. They did not call back. As of XX/XX/XXXX, my account remains restricted. I have fully complied with every request made by XXXX XXXX. The original triggering transaction a {$620.00} transfer to my own XXXX XXXX card should never have required this level of review. I have now been unable to access my savings account funds since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I have been attempting to obtain basic account information from RentDebt, including my current balance, confirmation of my payment arrangement, and a written summary of my account. Since XX/XX/year>, I have contacted RentDebt multiple times by phone and email. Representatives have been able to access my account, confirm my balance, and confirm that I am on an active payment plan. However, they have refused to provide any of this information to me in writing. I was told directly by a supervisor that the company does not provide written account summaries because consumers use them for housing purposes. Additionally, I have been unable to access my account online, as their system has been down for an extended period, and I am told my account is not eligible for self-service access. I have made a payment of {$100.00} on XX/XX/year> toward this account and am actively trying to resolve the balance. Despite this, I am being denied access to basic account information that I need for my records. I am requesting that RentDebt provide me with written confirmation of my account details, including my balance and payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi Sir/Madame, I am submitting this complaint regarding XXXX XXXX XXXX and the handling of my credit card account, which has resulted in an unfair negative impact on my credit history. Between XX/XX/year> to XX/XX/year>, there are 5 XXXX charges went through while my credit card had expired and I was not notified about those charges. 1. Continued Charges After Card Expiration My credit card had already expired when recurring charges from XXXX continued to be processed. I was not aware that these charges were still active, as I reasonably believed that an expired card would no longer support transactions. At no point was I clearly notified that recurring charges could continue after expiration. 2. No Receipt or Activation of Replacement Card I never received, activated, or used a replacement credit card from XXXX. Despite this, my account remained active for recurring billing, and transactions continued without my knowledge or explicit awareness. 3. Immediate Good Faith Actions Upon Discovery As soon as I discovered the issue, I acted immediately and in good faith. I contacted both XXXX and XXXX to stop further charges and resolve the situation. I also promptly paid the outstanding balance in full using a valid payment method. 4. Lack of Timely Response from XXXX It has now been over 45 days since I submitted a dispute to XXXX, and I have not received a timely or meaningful response. This delay in resolution is concerning and has prolonged the impact of the issue. 5. Negative Credit Impact Not Reflective of Actual Behavior Due to these circumstances, my account was reported with a late payment. This negative mark does not reflect my actual payment behavior, as the situation arose from a lack of awareness related to continued charges on an expired card, rather than any intentional failure to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
XXXX day late payment was applied to my credit report for the month of XXXX or XXXX ( shows differently on credit companies ) -improper tracking of payment history I reviewed the billing statements and account history thoroughly after making a plea for the company to remove the damaging information and I was never notified of a late payment, given a late fee, but this damaging information was sent directly to the credit agencies without an attempt to resolve the matter with me. According to all of my billing statements in 2025, all of my payments were received on time. The situation was not handled correctly and with my perfect payment history, an attempt could have been made to resolve any concerns XXXX XXXX had. I was unfairly treated by this finance company.

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I told them that the debt wasnt mine it is a company reporting it after numerous emails to let them know it wasnt mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo case number : XXXX Wells Fargo other tracking number related to this issue : XXXX Ally joint checking account ending in XXXX XXXX XXXX XXXX XXXXXXXX Wells Fargo checking account ending in XXXX XXXX XXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau , I am submitting a complaint regarding a mishandled electronic funds transfer involving and that has resulted in {$1000.00} of my funds being unaccounted for. On or about XX/XX/year>, I attempted to transfer {$1000.00} between my checking accounts but mistakenly initiated the transfer in the wrong directionrequesting funds from our joint XXXX XXXX checking account to be sent to my Wells Fargo checking account. The {$1000.00} was withdrawn from the XXXX XXXX account on XX/XX/XXXX ( posted XXXX XXXX ), and the transaction has fully cleared on that end. However, the funds have not been credited to my Wells Fargo account at any point. After noticing the issue, I contacted Wells Fargo customer service and was advised that the transaction could be canceled. The representative proceeded to cancel it. However, despite this action, the funds have not been returned to the XXXX XXXX account, nor have they appeared in my Wells Fargo account. As of today, more than XXXX days later, the {$1000.00} is not reflected in either account. If the transaction was canceled, the funds should have been returned to the originating account ( Ally ). Instead, the money appears to be in limbo, with no clear explanation or resolution provided. I am requesting the following : 1. Immediate investigation into the status and location of the {$1000.00} transfer. 2. Prompt recovery and return of the funds to the XXXX XXXX account. 3. A clear explanation of how a transaction could be canceled after funds were already debited, and why the funds have not been returned. 4. Accountability from Wells Fargo for advising and executing a cancellation that appears to have worsened the situation. This situation has caused significant frustration due to the lack of transparency and resolution. I am seeking your assistance to ensure the funds are properly accounted for and returned without further delay. Sincerely, XXXX XXXX XXXX XXXX

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 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
The vehicle associated with my auto loan was surrendered due to a mechanical failure, as the required part was no longer manufactured and the dealership was unable to complete repairs. After surrender, the vehicle was sold for {$22000.00}. I dispute the remaining balance of {$15000.00}, as it appears to include approximately {$7000.00} in additional fees and charges that have not been explained or itemized. On XX/XX/year>, I requested a full itemized breakdown of the deficiency balance, including all fees, interest, and charges applied after the vehicle sale ( XXXX XXXX : XXXX ). I did not receive the requested documentation. On XX/XX/year>, I submitted an official dispute requesting investigation and validation of the balance ( XXXX XXXX : XXXX ). On XX/XX/year>, I received a response stating the dispute could not be processed because it had previously been submitted through the credit bureaus. I also disputed the account with a credit bureau and was informed the debt was verified by the company ; however, no supporting documentation or itemized breakdown has been provided to me. I am requesting a full investigation into the accuracy of the balance, including a complete itemized breakdown of all fees and charges, confirmation of how the deficiency balance was calculated, and confirmation of whether any XXXX insurance was applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my 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 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
Im being sued by NCB Management for a debt of {$9700.00} for a car repossession and I do not have a contract with NCB Management

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
On XX/XX/2026, I received an official letter from Edfinancial Services confirming that 100 % of my federal student loans were discharged under Borrower Defense to Repayment. My account reflected a {$0.00} balance with no payment due. I relied on this official government communication, including making a career decision to relocate to XXXX and accept a lower-paying position, under the belief that my loan debt was fully resolved. On XX/XX/2026, I received a second letter from Edfinancial stating that the XXXX discharge letter contained errors and that some loans were never approved for discharge by the Department of Education. No specific explanation was provided identifying which loans were reversed or why. My account now shows a balance of {$41000.00}. On XX/XX/2026, I sent a formal written dispute to Edfinancials customer service email requesting a loan-by-loan explanation. I also spoke with a representative named XXXX who confirmed the loans were in forbearance and stated a letter would be sent with the requested information. As of today I have received no written response. I am requesting a formal written explanation identifying exactly which loans lost their discharge status, on what basis, and what process was followed before reinstating this balance. I am also requesting that these loans be returned to forbearance status during the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
b'I am writing to request further review of my complaint against Citibank regarding a disputed XXXX transaction. Although the case has been marked closed, I am unable to access it online and believe the banks response did not adequately address key evidenceXXXX XXXX I attempted to withdraw cash from an XXXX located at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this transaction, the XXXX malfunctioned. No cash was dispensed; however, the amount was still debited from my account.\n\nImmediately after, within approximately two minutes, I used a second XXXX located directly next to the first machine and successfully completed a withdrawal.\n\nMy account statement reflects two transactions:\n\nThe first transaction corresponds to the malfunctioning XXXX and reflects an incorrect timestamp, as the machine did not update properly. (It was daylight savings time)\nThe second transaction occurred approximately two minutes later and did successfully dispense cash\n\nThis sequence clearly supports that the first transaction did not result in cash being received.\n\nDespite this, Citibank denied my claim and did not provide adequate documentation supporting their determination. Specifically, the bank did not provide:XXXX audit logs\nElectronic journal (EJ) logs\nCash dispensing verification records\nError or malfunction reports for the XXXXnAny confirmation of surveillance or camera review\n\nAdditionally, the banks response did not address the timing discrepancy between the two transactions or the likelihood of XXXX malfunction.\n\nGiven these unresolved issues, I respectfully request that the OCC review whether Citibank conducted a reasonable and thorough investigation and require the bank to provide complete documentation supporting its conclusion.\n\nI appreciate your assistance and request reconsideration of this matter.I have been a client of Citibank for over XXXX years and am insulted by the dismissal of the error.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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