vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute a collection account erroneously reported under my name by Portfolio Recovery Associates LLC. The account number associated with this erroneous collection is XXXX XXXX XXXX XXXX XXXXXXXX, with a balance of {$630.00}, and is currently marked as being in collections. This account has been inaccurately reported to all three major credit bureaus : XXXX, XXXX, and XXXX. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I have no knowledge of this debt, nor have I received any documentation or communication that would validate this debt as mine. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt claimed to be owed, and I have not been provided such evidence despite the severe impact this collection account is having on my credit reports and scores. The presence of this account has significantly lowered my credit scores : XXXX XXXX, XXXX XXXX, and XXXX XXXX, which has adversely affected my ability to obtain favorable financing terms and has caused undue stress. I have attempted to resolve this matter by contacting Portfolio Recovery Associates LLC directly, yet have not received a satisfactory resolution or any proof that this account belongs to me. It is crucial that this erroneous information be corrected immediately to prevent further harm to my creditworthiness. As a resolution, I am requesting the complete removal of this collection account from all three credit reporting agencies : XXXX, XXXX, and XXXX. I trust that Portfolio Recovery Associates LLC will take swift action in rectifying this error and prevent any further damage to my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I recently reviewed my credit report and noticed accounts that I believe are the result of identity theft. These accounts do not relate to any transaction made by me and I did not authorize them. I previously contacted the credit bureau regarding this issue, but the accounts are still being reported on my credit report. I am submitting my Identity Theft Report along with proof of my identity and address. FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX - XXXX Account Name : XXXX XXXX XXXX - XXXX Account Name : XXXX XXXX - XXXX Account Name : XXXX XXXX - XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Incorrect Name - XXXX XXXX - PLEASE DELETE THIS ASAP! Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX - PLEASE DELETE THIS ASAP! Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX - PLEASE DELETE THIS ASAP! EMPLOYER - XXXX XXXX - PLEASE DELETE THIS ASAP! EMPLOYER - XXXX XXXX XXXX - PLEASE DELETE THIS ASAP!

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 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am filing a complaint regarding an incorrect debt related to an XXXX XXXX XXXX XXXX account. XXXX XXXX XXXX charged me for unreturned equipment ; however, the equipment was returned using XXXX XXXX XXXX provided instructions and return label and was delivered in XX/XX/year>. I have XXXX proof of delivery confirming that XXXX XXXX XXXX received the equipment. Despite this, XXXX XXXX XXXX failed to properly credit the returned equipment to my account and instead sent the balance to collections. I disputed this with the collection agency, TrueAccord. Their response stated that the equipment was not found in DB or supply chain. This indicates an internal tracking or processing error by XXXX XXXX XXXX, not a failure on my part to return equipment. I have provided proof of delivery and supporting documentation, yet collection activity has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CMG Financial Services, Inc.
State: PA

Complaint narrative:
am disputing the accuracy and consistency of the credit reporting for my mortgage account following a forbearance period. While the servicer states that the account became 180 days past due after the forbearance ended, this does not align with how the account was being reported prior to XX/XX/year>. Up until XX/XX/year>, the account was reporting in a different status and did not reflect a 180-day delinquency. The sudden change in reporting on XX/XX/year>, without any new missed payments or material change in account activity, raises serious concerns regarding the accuracy and consistency of the reporting. Under the Fair Credit Reporting Act, furnishers are required not only to report accurate information, but also to ensure that reporting is complete and consistent over time. A retroactive change that significantly worsens the account status without clear justification may constitute inaccurate or misleading reporting. Additionally, I was actively working toward resolving the outstanding balance and had made recent payments, as well as pursuing a subsequent forbearance/workout option. I am requesting : A full investigation into the reporting changes made on or around XX/XX/year> Documentation showing how the 180-day delinquency was calculated and why it was not reflected earlier Correction of the account to reflect consistent and accurate reporting, specifically returning to a current or active loss mitigation/forbearance status if applicable My goal is correction, not deletion, and I am seeking fair and accurate reporting of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Re : Identity Theft Unauthorized Inquiry / Demand for Block and Removal Under FCRA 605B To Whom It May Concern, I am writing to formally dispute an unauthorized credit inquiry made by Elan Financial Services / Fidelity that appears on my consumer credit report as a result of identity theft. The inquiry details are as follows : Creditor : ELAN FIN XXXX/ FIDELITY Inquiry Date : XX/XX/XXXX Type : Hard Inquiry I did not apply for, authorize, or otherwise permit this inquiry. This access to my credit file was made without my knowledge or consent and does not have a permissible purpose under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b. This letter serves as formal notice that I am a victim of identity theft. I have filed an Identity Theft Report with the Federal Trade Commission, and this correspondence, along with my report, constitutes a valid Identity Theft Report under federal law. Pursuant to the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681c-2 ( FCRA 605B ) and 15 U.S.C. 1681s-2, you are hereby required to : Immediately cease reporting this inquiry to any consumer reporting agency Permanently delete this unauthorized inquiry from all credit files Provide documentation demonstrating the permissible purpose for accessing my credit report Provide any application, authorization, or records bearing my signature related to this inquiry You are further on notice that if you can not provide verifiable proof of authorization, you are required to remove this inquiry. Continued reporting of information you know or have reasonable cause to believe is inaccurate constitutes willful or negligent noncompliance with federal law. Failure to comply with your obligations under the FCRA may result in liability for actual damages, statutory damages, punitive damages, and attorneys fees pursuant to 15 U.S.C. 1681n and 1681o. I demand written confirmation that : This inquiry has been permanently removed This matter has been fully resolved The inquiry will not be reinserted If this matter is not resolved promptly, I will escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and will pursue all available legal remedies. Govern yourselves accordingly. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My mom XXXX sent me XXXX dollars on cash app and all that was deposited was XXXX dollars and some change. I contacted customer service and asked what happened to the XXXX. They then told me I had overdraft and that is were the XXXX went. In fact I was at XXXX balance. I never overdraft, they dont allow me too. I have evidence that they committed fraud by stealing XXXX dollars out of my account. I have the whole conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
The fraud department with citizens bank keep locking my card and not sending alerts to unlock it. In the last 2 weeks they locked my card 3 times. Last week they said I did not get alerts because they sent it to an old phone number, I updated the phone number online a year ago. The representative said XXXX do it again and the problem shouldnt happen no more and I would get alerts. The second time they locked my card, I got an alert but the only option was for me to call them to unlock it. The third time they said they couldnt send me a verification code because my phone number was not on file and they still sent it to the old one. I had to speak to a manager who was arguing with me about unlocking my card. I told her about those 2 other instances and she was still giving me a hard time. I requested for them to take the fraud alerts off my account and they declined. In all my years of my bank account I have never had this problem this frequently. Its been 3 times in the last 2 weeks but over the last month they locked my card a total of 5 times. They are making it hard for me to go grocery shopping because thats what Im mostly doing when Im trying to use my card and ordering things online. I feel its intentional at this point and inconvenient. I want to be removed from the fraud alerts and if thats not possible to have them stop locking my card after other purchase I make. I want them to occur a lot less.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am making a complaint about my auto loan account with Toyota Motor Credit Corporation. I have been making my monthly payments on time, but the payment system is not correctly processing or applying my payments. As a result, my account is being incorrectly marked as late, and I am being charged late fees and penalties. I have already tried to resolve this issue by contacting customer service by phone. I was placed on hold for a long time and then the call was disconnected without any assistance. This situation is causing financial harm and incorrect negative reporting on my account. I request a full review of my payment history, removal of all incorrect fees, and correction of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TN

Complaint narrative:
Fraud claim was not appropriately addressed. No call was received from us bank regarding fraud claim. Company claims I added a number XXXX of XXXX which I show no calls to us bank at that time. I have attached the charges that were questioned and billed to me twice. Once in XXXX to my checking account and once in XXXX to my credit card. Claim was reopened in XXXX because no one contacted me in XXXX or XXXX when an outside number was called that I have proof of since it was my father. He also had/has an account with us bank a the time. Fraudulent charges still exist on account. The rest of the account was payed in full.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In XX/XX/year>, Synchrony Bank approved a fraudulent credit account in my name without proper identity verification and without notifying me. Although the account has been closed and disputes have been submitted to XXXX XXXX XXXX XXXX, I am required to wait up to 45 days for resolution while my credit remains negatively impacted. During this time, I have already experienced a credit denial and reduced ability to secure favorable mortgage terms. This situation raises serious concerns about identity verification and the burden placed on consumers after fraud occurs.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Issue Category : Credit card bill payments XXXX deem to go down Issue Detail : Problem with a company 's investigation into an existing problem Description of what happened : I have been a Capital One customer for approximately 56 years. Despite making consistent, on-time payments, my credit card balance never decreases and often continues to rise. I am legally deaf, which creates a significant communication barrier. Every time I call customer support to understand why my balance is not moving, I am unable to hear or understand the representatives due to their accents and a lack of proper accommodations for my XXXX. I have repeatedly attempted to resolve this, but Capital One has failed to provide effective communication or explain the mechanics of my debt. Under the Americans with XXXX XXXX ( XXXX ), financial institutions are required to provide effective communication for individuals with XXXX, including accessible call center services. I am seeking a clear, written explanation of my account history and a resolution to the lack of progress on my principal balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: FLAGSHIP FINANCIAL GROUP LLC
State: TX

Complaint narrative:
I am filing a complaint regarding the repossession of a vehicle belonging to my child and the conduct of both the lender and the repossession company involved. In the days leading up to the repossession, my child reported being followed and monitored. Based on these circumstances, there is concern that the vehicle may have been tracked or surveilled prior to repossession. I am requesting full disclosure of any such methods used. The vehicle was repossessed without any communication regarding the handling or retrieval of personal belongings. I was forced to initiate contact and was provided a phone number ( XXXX ) and reference number, but could not reach a live representative. The automated system directed me to an online portal that did not recognize the VIN provided, effectively preventing access to information about the vehicle. This lack of access to personal property and failure to provide clear retrieval instructions is unacceptable and may violate consumer protection standards. I am requesting : A full written report of the repossession process Documentation of any tracking or surveillance methods used Chain of custody documentation for the vehicle A complete inventory of personal property removed or held Immediate instructions for retrieval of all personal belongings A full itemized invoice of all repossession-related charges This situation reflects serious communication failures and raises concerns regarding the handling of personal property and potential unlawful practices.

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 2026-04-23 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX I was billed XXXX XXXX = ~ {$2900.00} on my XXXX XXXX Bank XXXX acct # XXXX for an international flight XXXX. These charges are not mine. I spoke with the fraud dept numerous times over several weeks. After an " investigation, '' they refused to adjust as fraud & want me to pay in full.

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 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
I have identified several accounts/or collection items that are unfamiliar to me. One account was Opened back in XXXX, the most recent account that was opened was XX/XX/XXXX. These accounts appear to have been opened without my consent and may include balances of {$680.00}, {$430.00} and other collection amounts I am unaware of. I did not open, authorize, or benefit from any of these accounts, they were fraudulently created using my personal information without my knowledge or consent. I have disputed these collecrtion items multiple times and as a result of this fraudulent activity I have experienced an excessive amount harm including damage to my credit, difficulty obtaining financial services, stress, and concern for security of my personal information. At this time I do not know how my personal information was obtained or used and I am unaware of the individual ( s ) involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
OFFICIAL DIRECT INTERROGATORY FOR SQUARE NOTICE : DO NOT CLOSE THIS COMPLAINT. Square is required to provide a point-by-point, factual response to the following interrogatories. Any response that fails to answer these specific questions or attempts to use a " 60-day extension '' will be flagged as a continuation of documented fraud. SQUARE IS DIRECTED TO RESPOND TO THE FOLLOWING : IDENTIFY the legal basis for continuing to withhold {$2900.00} from my account after sending a formal notice on XX/XX/year> ( attached ) stating that " The hold on your Square account has expired. '' EXPLAIN why Square authorized the removal of {$87.00} as a " Square fee '' from my balance after notifying me that the hold had expired and funds were scheduled for deposit. STATE why the promise made in the XX/XX/year> noticestating funds would be deposited within " one to two business days '' remains unfulfilled four months later. EXPLAIN the contradiction between Squares internal notice ( stating the hold is expired ) and Squares statements to the CFPB ( claiming an active investigation ). Identify which statement is a material misrepresentation. CONFIRM the exact date the {$2900.00} will be deposited into my XXXX account. LEGAL NOTICE TO CFPB : This is a report of UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) and Financial Fraud. Square is in breach of contract and is intentionally misrepresenting account statuses to bypass the 180-day hold limit. I request that the CFPB monitor this case as a high-priority fraud investigation and do not close it until the funds are verified. DEMAND FOR RESOLUTION : Immediate release of {$2900.00} and a full refund of the {$87.00} fee. RELEASE MY MONEY NOW.

Company response to consumer: Closed with explanation