vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My account was frozen about a month ago by Citizens bank PA. Called and numerous occasions to get information on why my account was frozen. The bank inform me that I was going to received a letter. Have not received any letter and the bank have not resolved my issue yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX Code XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Trans union : XXXX XXXX XXXX XX/XX/year> {$7200.00} XXXX XXXX XXXX XXXX XXXX {$2800.00} AFFIRM XXXX XXXX XXXX {$910.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2026-05-06 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Acra Intermediate Holdings, LLC
State: PA

Complaint narrative:
I suffered from major health issues in XX/XX/XXXX. I was in the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and also was in home and it lasted about 2 to 3 months. I fell behind on my mortgage. I applied for loss mitigation that they said I qualified for sent me all the paperwork and I applied for everything. I am no longer suffering therefore I can Make my monthly payments as I have before, but they denied me for wouldve been easier to pay they are asking for an obscene amount of money from someone thats on XXXX And Im just having a hard time paying current and catching up I can pay the current. I just cant pay both while Im having a hard time they wont even accept payment arrangements partial payments nothing they want the entire lump sum and I just got denied for loss mitigation I would say a few days ago and in XX/XX/XXXX I received the notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am filing this complaint because Wells Fargo denied my dispute request in XX/XX/XXXX. At that time, I was well within the XXXX window from the cancellation date ( XX/XX/XXXX ). The bank incorrectly informed me that I only had XXXX days from the purchase date to file, which is a violation of my consumer rights for 'Services not rendered ' under network regulations. I request that the bank honors my original XXXX request and opens the dispute immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
The debt company said to send them {$5100.00} which they say I owed to XXXX XXXX XXXX XXXX. I called XXXX XXXX billing department and they said I had XXXX balance and insurance paid it a long time ago. These debt collectors are harassing me. The company is AARGON AGENCY, and company. 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 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I divorced in Alaska, resulting in a legal name change. After divorce was complete I moved to Montana and need to re-title my vehicle to register it. I can only title it in Montana with a name that matches my ID ( legally changed name ). BMO bank will not allow me to update mynlast name with my legal decree, and will not release the title forbthe name change, making it impossible to register my vehicle at my new home.

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 2026-05-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have this Bank of America Business Credit card ending in XXXX. It's super confusing for a single member XXXX - it has XXXX account numbers. Now if there is any billing dispute - I need to look into XXXX account numbers. Also disputes can not be raised online. There is no chat. One has to call toll free number and deal with annoying bot and robot and tremendous amount of wait time to talk to a human being for this.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My auto loan with westlake financial is not being reported to my credit. I have contacted them multiple times and the response was either it should be reporting, theres nothing we can do or well send you the information which they never did. I an unable to refinance my vehicle because they are not reporting the loan to any credit bureau when it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I dispute the collection account reported by Jefferson Capital related to a XXXX device return. On XX/XX/year>, I returned the XXXX device through XXXX using the prepaid return process and have retained my XXXX drop-off receipt with tracking number as proof. The package was accepted by XXXX, and any loss in transit occurred after I relinquished possession. I previously provided XXXX with the tracking information, but my claim was denied based on an internal 60-day reporting policy rather than the validity of the return itself. Because I completed the required return and have proof of drop-off, I dispute responsibility for this debt and request deletion of the collection account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XXXX XX/XX/year> I leased a XXXX XXXX XXXXXXXX from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX ). I was explicit to the salesman and sales team I was leasing the vehicle to take advantage of the {$7500.00} XXXX XXXX XXXX that was to expire on XXXX XX/XX/year>. Throughout the sales pitch and during the closing with the XXXX XXXX I was assured I could take advantage of the tax credit. On XXXX XXXX I contacted the dealership to obtain IRS Form XXXX ( Clean Vehicle Seller Report ) so I could claim the tax credit on my XXXX Tax return. I was informed by the dealership they unilaterally applied the tax credit to the residual value of the vehicle on the lease agreement. As a result the credit was NOT available to me. I alerted the dealership that at NO time did they disclose that they would apply the tax credit in that manner. The dealer 's application of the tax credit was NOT disclosed in the lease agreement nor had I waived my use of the credit in any of the documents I signed during the closing. I later asked the General Manager, XXXX XXXX, for any proof or documentation of how the credit was applied and to date he has not provided such. According to XXXX XXXX, " GM automatically applies the tax credit to all leases ''. XXXX XXXX agreed they did not disclose they would apply the tax credit to the lease and that I would not have the credit available to me. I have since filed a formal complaint with GM and have requested the Tax Credit be made available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I was told my account had a legal hold and had the branch call the number provided for the hold. That was XX/XX/year>. I was told it would be 1-2 business days, the XXXX was a Thursday so I went in to XX/XX/year> Monday and was told again after the banker and I were on hold for over a hour .. 1-2 business days. I now just got off the phone with the provided number again after being on hold for 30 minutes to be told again, 1-2 business days. Today is XX/XX/year> and I believe thats well past XXXX business days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX Card Issue : Billing dispute / chargeback denial Complaint Narrative : I am filing a complaint regarding Discover Cards handling of a billing dispute involving a {$4900.00} charge from XXXX XXXX XXXX ( XXXX ). XXXX XXXX : # XXXXXXXX XXXX concluded that the transaction is valid and closed the dispute. However, XXXX has failed to provide any specific, evidence-based explanation demonstrating how this determination was reached. The merchants contract includes a multi-step refund policy, including a requirement tied to completion of 50 % of course content. This requirement is ambiguous and, in my case, involved live webinar participation that would only be verifiable through the merchants attendance and login records. Despite my repeated requests, XXXX has not provided : A breakdown of each refund requirement and whether I satisfied it Any documentation from the merchant demonstrating non-compliance Any attendance, login, or participation records An explanation of how they concluded I failed to meet the refund conditions Clarification as to why certain contract provisions were relied upon while others were ignored Instead, Discover has issued a conclusory determination without providing the underlying evidence. I believe this represents an inadequate investigation and a failure to properly evaluate the dispute based on all relevant terms and facts. Requested Resolution : I am requesting thaXXXX XXXX : * Reopen the dispute * Provide a detailed, evidence-based explanation of their decision * Supply all documentation received from the merchant * Confirm whether the merchant provided verifiable participation records * Conduct a complete and fair review of the refund policy in its entirety Additionally, I request that the disputed status reported to credit bureaus be reconsidered pending proper resolution. I am prepared to provide supporting documentation, including correspondence, contract excerpts, and evidence of participation. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Please refer to my feedback on complaint # XXXX against AMEX and also XXXX collection agency. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NORTHWEST BANCSHARES INC
State: KY

Complaint narrative:
This is my first payment on an auto loan I obtained through Northwest Bank ( Northwest XXXX ). I submitted all required information to set up ACH payments directly from my external bank account. Northwest informed me that they would send two small micro-deposits ( under {$1.00} each ) to my bank account for verification purposes, and that this process would take 35 business days. I waited more than 10 days, but the verification deposits never arrived. As a direct result of this delay, I was unable to set up free ACH payments and was forced to use their third-party XXXX system to make my payment and avoid going past the grace period. This required me to pay an extra {$9.00} convenience fee. I have an excellent credit score of XXXX, and this is my very first payment on the loan. The verification delay on Northwests end has created unnecessary financial burden and risk of late reporting for a situation that was entirely within their control. Desired

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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Debt was already paid I was told they would remove from all three credit bureaus and they have not done so. I am demanding. To have this removed from all three credit bureaus asap as promised. To Whom It May Concern, I am writing in response to the account referenced above, which appears on my credit report. This letter is not an acknowledgment of responsibility for the debt. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide the following : XXXX. Proof that I am legally obligated to pay this debt XXXX. The name and address of the original creditor XXXX. The amount of the original debt and an itemization of any interest, fees, or charges added XXXX. A copy of the original contract or agreement bearing my signature XXXX. Proof that your agency has the legal authority to collect this debt XXXX. The date of the original delinquency Until this information is provided, I request that all collection activity cease and that this account not be reported, or be removed, from any credit reporting agencies. If you are unable to provide proper verification, please remove this account from my credit files and confirm the removal in writing. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: KY

Complaint narrative:
THIS IS XXXX XXXX I HAVE CASH APP CARD AND I HAD XXXX ON IT AND SOME WAY AND SOME HOW THE SCAMMERS GOT IN AND STOLED ALL OF. MY MONEY AND I CALLED CASH APP AND THEY SAID THEY CAN NOT HELP ME SO PLEASE CAN U HELP ME GET MY MONEY BACK CAUSE I HAVE BILLS TO PAY AND MY HOUSE. RENT PLEASE HELP. AND THE ALSO GOT ALL MY INFORMATION.

Company response to consumer: Closed with explanation