vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
Lender re-aged the account by reporting the account as closed to Credit Bureaus, then changed reporting/reopened account and reported inaccurately delinquent payments. Reporting an account as closed, then reopening it to report new delinquent paymentsa practice often referred to as " re-aging '' or improper re-reportingis generally illegal under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c and 15 U.S.C. 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have XXXX XXXX Balance {$0.00}, BUT XXXX IS TRYING TO REPO MY CAR, I HAVE THE {$0.00} BALANCE REPORTED ON MY CREDIT REPORT, I NEED CFPB TO MAKE SURE MY INFORMATION IS CORRECT & I'M ATTACHING THE CREDIT REPORT WITH THIS COMPLAINT.

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 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
XX/XX/year> Flood caused damage to car in which car was paid the total loss value XX/XX/year>. Some how the gap insurance was removed and it left a deficency balance. tried to offer settlement amount after bankruptcy was dismissed due to my lack of income to be eligible. Car would cost more to repair than it was worth. Ally already collected over {$10000.00} in interested due to subprime lending and changed my contract without telling me. Ally representative refused stated they do not offer settlements. and want to remain balance even though car does not run anymore. Ally recieved more than the value of the car.

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 2026-04-06 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: OH

Complaint narrative:
I am disputing inaccurate late payment reporting on my TransUnion credit report for XXXX XXXX XXXX XXXX Line of Credit, Account # XXXX. The following late payments are being reported incorrectly : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I previously disputed this information ; however, TransUnion continues to report these late payments without providing proper verification. This violates the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation ) and 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ). I am requesting TransUnion conduct a reasonable reinvestigation and provide documented verification of these late payments. If TransUnion can not verify the accuracy of this information, the late payments must be removed immediately. Failure to correct this inaccurate reporting may constitute willful noncompliance under the Fair Credit Reporting Act.

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 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
We had our service with XXXX XXXX disconnected in XXXX of XXXX however the company didn't send a tech to pick up the equipment until XXXX of XXXX and, unknown to us, continued to bill us for their service. In XXXX we were told this amount was for a piece of equipment that had not been turned in, however, when we showed the company the receipt for all the equipment, we were told the balance on the account was paid in full. Now, in XXXX of XXXX, I have found out that there is a balance from XXXX XXXX they claim is for unpaid bills for the XXXX months they didn't pick up the equipment that they have not only sent to an outside collection agency but is also being reported on my credit.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$1500.00} in cash into an ATM at Capital One Bank. After inserting the cash, the ATM displayed an error message stating an error has occurred, please remove card, and then went out of service. The machine retained my cash and did not credit my account. No receipt was provided. I immediately contacted the bank and filed a claim the same night. The following day, I went to the branch in person but was told they could not assist. When I called again, I was informed that the initial claim had been entered incorrectly for {$15000.00} instead of {$1500.00}. The representative cancelled the original claim and submitted a new one, causing further delays. I have now been told that I must wait until XX/XX/XXXX to receive a provisional credit. Additionally, I was informed that no further assistance or escalation is available until after the holiday, requiring me to wait until Tuesday to speak with the appropriate department. This situation has created an immediate financial hardship. These funds were intended for a car payment, and I am now at risk of vehicle repossession due to the banks ATM error and delays in resolving this issue. This appears to be an ATM deposit error in which the bank retained my funds. The ATM should show an overage of {$1500.00} when balanced. I am requesting : Immediate provisional credit for {$1500.00} An expedited investigation and ATM audit Correction of internal errors that delayed my claim Assurance that I will not suffer financial harm due to this error I am requesting urgent intervention due to the severity and time-sensitive nature of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
In XXXX of XXXX I purchased furniture from an company called XXXX XXXX based in XXXX. The expected delivery of the furniture was suppose to be around XXXX or XXXX. I paid for the furniture thru Affirm via a loan installment. As time went on, XXXX XXXX kept giving me excuses why I was not receiving my furniture. First it was on backorder, them it got broken in the shipment, then it got lost in the shipment, them they stopped communicating all together. I tried to resolve this directly with Affirm since I was unable to recevie any responses from XXXX XXXX, but Affirm denied my request for a dispute claiming it was past the XXXX days and is threatening me with the fact that this XXXX impact my credit if i do not pay the loan in amount of XXXX in which I did not receive any merchandise. They also blocked my email from sending them correspondence via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion LLC for failing to maintain reasonable procedures to ensure the maximum possible accuracy of information on my consumer credit report, and for failing to conduct a meaningful reinvestigation of a previously disputed account, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. TransUnion is currently reporting a collection account from XXXX XXXX XXXX, allegedly originating from XXXX XXXX XXXX, Account No. XXXX, with a balance of {$4700.00}. This account has already been flagged as disputed by the consumer on my TransUnion report, yet the material inaccuracies identified below remain uncorrected. Specifically, the following inaccuracies and deficiencies exist on my TransUnion report : XXXX. COMPLETE ABSENCE OF PAYMENT HISTORY : My TransUnion report reflects absolutely no payment history for this account. Under the FCRA, a consumer reporting agency can not continue reporting information that can not be verified. The total absence of any payment history indicates this account can not be substantiated and should be deleted. XXXX. UNRESOLVED PRIOR DISPUTE : This account is currently flagged as disputed by the consumer on my TransUnion report, yet the material inaccuracies have not been corrected or the account deleted. TransUnion 's failure to resolve a previously flagged dispute is a direct violation of its reinvestigation obligations under 15 U.S.C. 1681i. XXXX. INCONSISTENT CLOSURE DATE : TransUnion reflects a closure date of XX/XX/XXXX for this account, while XXXX reflects XX/XX/XXXX a discrepancy of over one year on the same account. This cross-bureau inconsistency is a strong indicator that the information being furnished has not been properly verified. XXXX. INCONSISTENT ORIGINAL BALANCE : TransUnion reports an original balance of {$21000.00}, while XXXX and XXXX reflect no original balance at all. This fundamental discrepancy across all three bureaus undermines the verifiability of the entire account and the accuracy of the reported balance. TransUnion has an independent obligation under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy, and under 15 U.S.C. 1681i to conduct a meaningful reinvestigation when a consumer disputes information. The continued reporting of this account despite an active consumer dispute flag and the absence of verifiable payment history constitutes a clear failure to meet these obligations.

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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I am filing this complaint against NCB Management Services regarding a collection account they are furnishing to the credit bureaus, which I believe contains material inaccuracies and unverifiable information. NCB Management Services is reporting a collection account allegedly originating from XXXX XXXX XXXX with a balance of {$4700.00}. This account is being reported inconsistently across all three major credit bureaus, which raises serious questions about its accuracy and verifiability under the Fair Credit Reporting Act ( FCRA ). Specifically, the following inconsistencies exist across my credit reports : 1. The original balance is reported as {$21000.00} on XXXXXXXX but is not listed at all on XXXX or XXXX, which is a material inconsistency. 2. The account closure date differs between bureaus XXXX reflects XX/XX/XXXX while XXXX reflects XX/XX/XXXX, a discrepancy of over XXXX year. 3. On XXXX, NCB Management is listed as the original creditor, while on XXXX it is listed as a collection agency for XXXX XXXX XXXX. A furnisher can not be both the original creditor and a third-party collector. 4. XXXX reflects no payment history whatsoever on this account, indicating the information may be entirely unverifiable. 5. This account is already flagged as disputed by the consumer on XXXX, yet the inaccuracies have not been corrected. Under Section 623 of the FCRA, furnishers are required to provide accurate information and to correct any information they know or have reasonable cause to believe is inaccurate. The inconsistencies outlined above demonstrate that NCB Management Services is in violation of this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

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 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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

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 explanation
Consumer complaint received 2026-04-06 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My dispute with Barclays ( XXXX XXXX ) was denied incorrectly. The bank categorized the issue as services rendered, but the actual issue is that the service was materially not as described. The tickets had a structural obstruction that blocked the primary visual component of the event, which was not disclosed in the listing. The bank failed to properly evaluate the misrepresentation and instead relied solely on whether the service was used.

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: TX

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 explanation
Consumer complaint received 2026-04-06 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: FL

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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I've contacted the bank several times about {$100000.00} the was never successfully delivered that the same bank teller who cashed the check tried to deliver back to me outside of banking hours which is fishy. How this money got outside of the banking facility is fishy as well .. Now when I contact the bank, the bank makes it seem as if it will be impossible for me to get my money returned to me through an arrangement. To many people know I have this money which is also fishy, and people have threatened to steal it after XXXX years passed when the bank destroys records of the cashed check. The bank teller that cashed this check seems to be in some type of crime organization or is controlling my money through a different market, like the XXXX market. This is not fair, just as much as life isn't but I still need my money, so I can purchase a home with it, I've been living in a shelter and this is the perfect time for me to get back on my feet recovering these funds... This happened at XXXX XXXX XXXX. XXXX XXXX, Ohio XXXX. My biggest question is why no one is investigating the employees that still work there from XXXX??? This isn't water under the bridge. They know what's going on it feels like someone is lying and depriving me of my money purposely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Illegal Debt Collection Practices, Failure to Validate, and False Credit Reporting I am filing this complaint against Credence Resource Management , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Credence Resource Management is attempting to collect on an alleged XXXX XXXX XXXX XXXX account and has furnished information to the credit reporting agencies. I formally disputed this account and requested proper validation pursuant to XXXX law. In response, Credence provided a generic and legally insufficient contract copy, which does NOT meet the requirements of validation under 15 U.S.C. 1692g. They failed to provide : A signed contract bearing my signature A complete accounting of the alleged debt Proof of ownership or assignment of the debt Evidence of their legal authority to collect Despite this, Credence continues to report and/or verify this account with credit reporting agencies, which constitutes : False and misleading representation ( FDCPA XXXX ) Unfair and unconscionable collection practices ( FDCPA XXXX ) Failure to properly validate a disputed debt ( FDCPA XXXX ) Furnishing inaccurate or unverified information ( FCRA XXXX ) Additionally, by verifying this account with credit bureaus without conducting a reasonable investigation, Credence is in violation of their obligations under the FCRA. This conduct is causing ongoing damage to my credit profile and financial standing. RESOLUTION DEMAND : I demand the following : Immediate deletion of this account from all credit reporting agencies Written confirmation that the account has been permanently removed Cessation of all collection activity Assurance that this account will not be sold, transferred, or re-reported If this matter is not resolved immediately, I am prepared to : Pursue civil litigation for statutory damages under the FDCPA and FCRA Seek damages for defamation of credit Subpoena records regarding their verification procedures Seek recovery of attorneys fees and court costs This complaint serves as formal notice of their unlawful conduct and my intent to escalate this matter fully. I expect prompt resolution. XXXX XXXX

Company response to consumer: Closed with non-monetary relief