vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint because a collection account is being reported inaccurately on my credit report after my XXXX XXXX bankruptcy discharge. XXXX XXXX XXXX is reporting a collection account on behalf of XXXX XXXX XXXX with a balance of approximately {$220.00}. This debt was included in my XXXX XXXX bankruptcy and was legally discharged by the bankruptcy court. Despite the discharge, the account continues to report as an active collection account with a balance owed. Reporting a discharged debt as collectible creates the false impression that I still owe the debt. I have disputed this issue with the credit bureaus multiple times and provided notice that the debt was included in my bankruptcy. However, the account continues to be verified and reported inaccurately. Because this debt was discharged, it should either be reported as Included in Bankruptcy with a {$0.00} balance or removed entirely from my credit report. The continued reporting of this account appears to violate the * * Fair Credit Reporting Act requirements for accurate credit reporting and the bankruptcy discharge protections that prohibit collection of discharged debts. I am requesting assistance in correcting this inaccurate reporting.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I initiated a transfer from my account with Huntington National Bank to my XXXX account. After the transfer, the full amount of my funds was not deposited into my XXXX account. I contacted XXXX multiple times regarding the missing funds. XXXX representatives informed me that they reversed the funds back to Huntington National Bank and advised me to contact Huntington for resolution. Because the funds were not available in either account, I filed a dispute with Huntington. Huntington initially issued a temporary credit, but on XX/XX/year>, the credit was reversed after Huntington received a rebuttal from XXXX stating there was no error with the transaction. However, XXXX continues to tell me that they already reversed the funds back to Huntington, while Huntington states the rebuttal from XXXX indicates there was no issue with the transfer. As a result, both institutions appear to be providing conflicting information, and my funds remain unresolved. I am requesting that the CFPB investigate this transaction and require Huntington National Bank and XXXX to determine where the funds are currently located and ensure the missing amount is returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Validation of Debt Request - HARRIS & HARRIS LTD - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a secured credit card with Capital One and provided an XXXX security deposit. Capital One withdrew the XXXX from my bank account immediately. After the deposit was taken, the secured credit card offer was rescinded by Capital One. A credit card was never issued to me and the account was never used. Because the secured card was never issued and no account activity occurred, the deposit should have been returned promptly. However, Capital One has failed to return my funds. I made multiple phone calls attempting to resolve the issue and request the return of my deposit. Representatives were unable to provide a clear explanation for why the funds had not been returned. On XX/XX/XXXX I submitted a formal written request demanding the return of the deposit. On XX/XX/XXXX, after sending an email to Capital Ones legal department, I received a phone call from a Capital One representative who stated that a check would be sent to me for the deposit. During that call I confirmed my mailing address and was assured that the refund would be mailed. The check was never sent. As of XX/XX/XXXX the deposit has still not been returned. When I attempt to contact XXXX XXXX to obtain information about the status of my deposit, I have not been provided a clear explanation and have been told that representatives can not speak with me about the matter. More than XXXX months have passed since Capital One withdrew the XXXX deposit from my account. Capital One withdrew the deposit immediately but has not returned the funds despite repeated requests. The continued withholding of my deposit has caused financial hardship. The XXXX represented scarce funds that I needed for essential expenses and to support my small business activities. I am requesting the immediate return of my XXXX deposit and a clear explanation for why these funds have been withheld for such an extended period of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I had bought my grandmother and brother a ticket for XXXX XXXX. I asked about the XXXX machine before boarding it was said they can check it in. She gets to the airport and they say she cant take the XXXX machine on she sends it back with my uncle just for them to say she still couldnt board with the portable XXXX machine because she needed a second battery. Then they proceeded to say they just arent comfortable with her boarding at all refunded her bags but kept the money for the ticket. I spoke to the agent via phone she said she could only refund the bags so they denied boarding and kept my money and XXXX said they didnt violate a law they can deny boarding but im not disputing them denying boarding im disputing them keeping my money after denying boarding

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding a collection account that National Credit Systems is attempting to collect related to a former apartment lease. I vacated the apartment on XX/XX/XXXX. I did not receive any notice that I owed money to the landlord within XXXX days of move-out. I repeatedly contacted the property management company asking about my security deposit but received no response regarding any alleged balance. The XXXX notice that any balance existed occurred on XX/XX/XXXX when I received an email stating that an account had been placed in collections with National Credit Systems. After requesting documentation, I received a move-out statement dated XX/XX/XXXX. This statement was created approximately XXXX days after I vacated the unit. The statement claims {$1100.00} is owed, including {$1100.00} for XXXX XXXX XXXX XXXX. The photographs provided by the landlord appear to show only normal wear and tear such as minor wall scuffs and normal carpet traffic patterns after approximately XXXX months of tenancy. No clear tenant damage is shown that would justify full carpet replacement. I have formally disputed this alleged debt and sent a written validation request to National Credit Systems via certified mail. My concern is that this debt was placed with a collection agency before I was ever properly notified that the landlord believed a balance existed. I am requesting that this account be investigated and that the collection activity be halted unless the debt can be properly validated and supported by documentation demonstrating the charges are legitimate and compliant with Georgia landlord-tenant law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: FL

Complaint narrative:
Im filing this complaint against cashapp as they closed my account recently for no apparent reason. I ID verified and SSN verified that account as well and have been using it for some time. I also have unlocked money borrowing features from that account and i currently still owe them money but i cant pay it because they closed my account, Also, everytime i did borrow money from cashapp i made sure to pay them on time or sooner than the due date that was given to me to pay them. I also am loaning or paying with installments via my cashapp account for a ring i purchased recently and also cant make payments on that as well. I tried to appeal and ask what was the specific reasoning for my account getting banned and i havent had a proper response. The most ive gotten was your account has been banned for violating terms over and over again without any proper reasoning. I appealed them and waited weeks on end and they given me the same response everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
The information is reporting late payments to a car I already paid off. I used my XXXX day grace periods on mostly all my payments but they marked late XXXX or XXXX times towards the end when I paid the car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
I am submitting this complaint against MOHELA for misleading me about my eligibility for Public Service Loan Forgiveness ( PSLF ) and for the financial harm that resulted from my student loans being transferred. I had been paying my student loans through XXXX for well over XXXX years. During that time, I made consistent payments and reached a point where more than 80 % of my payments went toward principal. I finally felt like I was making real progress and was close to paying off my loans. I worked for a state facility for approximately XXXX years and for the federal government. Based on MOHELAs advertising and the information provided by them, I believed I qualified for PSLF because of my public service employment history. As a result, my loans were transferred to MOHELA to pursue PSLF forgiveness. After the transfer was completed, I later learned that my loans did not actually qualify for PSLF because of the type of loans I had. I was informed that the loans were not the correct qualifying federal loan type for PSLF. This was not clearly explained to me before the transfer. Had I been properly informed from the beginning that my loans were not eligible, I would never have agreed to transfer them from XXXX. Since the transfer to MOHELA, my repayment situation has significantly worsened. Instead of continuing to make meaningful progress toward paying down my balance, I now see that only about 2 % of my payment goes toward principal, while approximately 98 % goes toward interest. It feels as though I have been forced to start over after more than a decade of repayment. I also applied for an income-driven repayment plan and did not receive a meaningful response. I have contacted MOHELA for assistance and clarification, but I have not received adequate help or a resolution. The lack of transparency, poor communication, and misleading information have caused me severe financial stress and have negatively affected my mental health. My complaint is that MOHELA failed to clearly and accurately disclose the PSLF loan-type requirements before my loans were transferred. I believe I was misled into transferring my loans based on incomplete or unclear information. This transfer caused significant financial harm by placing me into a much less favorable repayment situation and disrupting the progress I had already made toward paying off my student loans. I would like to ask that this matter be investigated and that MOHELA be held accountable for providing misleading information regarding PSLF eligibility. I am also requesting a review of my account and repayment history to determine what corrective action can be taken to address the financial harm caused by this transfer and the improper guidance I received.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On or around the middle of XX/XX/year> I received my regular monthly statement from PNC it had my principal balance of being around {$16000.00} some dollars. I had been watching it for several months. So I had the money and decided to pay it off. I paid the payoff stated on the statement plus {$40.00}. I thought I may owe a few more dollars or they would owe me. Soon after that I get a bill saying I owe another {$1200.00} part interest and part principal. I even got a 1098 for XXXX stating | have a principal balance of {$1100.00}. I don't believe I owe this extra charge. I am getting foreclosure letters and calls every day. I paid them the amount they sent me in my statement. I have all my statements going back that shows the principal balance and it being paid down every month Thanks for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: TX

Complaint narrative:
I paid my mortgage Monday XX/XX/year> in the amount XXXX via bank routing number. I went to pay my XXXX mortgage and it said i was delinquent and behind XXXX months. I received no calls or notifications of delinquency since the payment was sent on time in XXXX. When i called loancare the automated system stated last payment received was processed on XX/XX/year> but now Loancare is saying they didnt process until the XXXX when the funds always come out within XXXX business days. I have never missed a payment or been late ever so i asked if this can be fixed due to their error and waiting so long to process my payment since the payment was submitted on time. They have already reported this false claim saying i didnt pay and it is on my credit as a derogatory mark and i received no indication of a late or non payment- if i had it would have been resolved immediately. The email they claimed to send was the normal your mortgage is duethere was no indication of a late or non payment processed. Please let me know what i can do, thank you so much and i appreciate your help.

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 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have an ongoing issue with Fraud that Bank of America is actively trying to hide from me and regulators. I filed a regulatory complaint against Bank of America last year. I finally heard from XXXX XXXX, and AVP, Resolution Specialist in the Regulatory Complaints Department. I have now made XXXX different attempts to reach XXXX with not a single phone call, email or letter back. Nothing since XX/XX/year> at XXXX. See the proof attached. Its wildly concerning it takes XXXX months and XXXX attempts and I still cant get a response. BOA is hiding something. I would like all the investigative details in writing form this and former complaints about how BOA handles fraud, or rather, how they dont.

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