vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
They are reporting this as the original creditor but they are not.

I am writing to formally dispute inaccurate information appearing on my credit report.

The account listed below is being reported incorrectly : Collection Agency Name : Account Number : Original Creditor ( as listed ) : This account is being reported as an original creditor. However, this company is a collection agency and is not the original creditor. Reporting a collection agency as the original creditor is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
" I am filing this complaint against Comenity Capital Bank ( XXXX ) regarding a charge from XXXX XXXX. I was misled into signing a credit agreement under false pretenses. Most importantly, NO MEDICAL SERVICES OR SURGERIES HAVE BEEN PERFORMED. To this date, I have received zero services. I have contacted the merchant ( XXXX  ) to cancel, but they refuse to refund the funds. I also contacted XXXX to dispute the charge, but they failed to protect my consumer rights. Under the Fair Credit Billing Act, I am not responsible for charges for services not rendered. I request a full chargeback and the immediate removal of this debt. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc.
State: TX

Complaint narrative:
These an account on my credit report that I never opened nor authorized to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had opened an account because of a promotion of {$400.00} upon meeting the requirements of four direct deposits, and I met those requirements. When it was time for BMO Bank to pay the promo of {$400.00}, they closed it instead and are stating the account was closed because money was moved out of the bank after 1 business day, which is a bank. I should be able to take my money out when I need it and should not have to keep it in there because they want. Also, why didnt they close the account sooner instead of when it was time for them to pay their part?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I am a veteran with a XXXX mortgage serviced by XXXX XXXX. 

I am requesting pre-delinquency VA hardship forbearance. XXXX XXXX representatives, including escalated supervisors, have stated that entering forbearance would be reported as a missed or late payment, even if approved before delinquency. 

This conflicts with VA loan servicing guidance allowing accounts to be reported as current during approved hardship forbearance. 

I am requesting CFPB assistance to ensure compliant VA servicing and accurate credit reporting before I enter any hardship plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
In XXXX, my dentist enrolled me in CareCredit for dental work. 
I did not receive any paperwork for this, nor was I aware of any promotion. Just that my charges for the dental work were taken care of. My original limit was {$4000.00}, and the cost of the dental work was {$2200.00} Based on electronic statements, my balance in XXXX of XXXX was XXXX, and in XXXX it jumped to XXXX. I received an email saying I was over my limit, so I immediately contacted CareCredit to inquire. They stated that the promotional interest rate had ended, all discounts had been removed, and the additional interest ( 39.9 % ) had been added to the balance. I offered to pay the previous balance in full to close out the account ( XXXX ) and was told that was not an option. 
This is XXXX in its highest form. The actions of CareCredit are documented by way of the class action lawsuit they are currently involved in and the numerous consumer complaints received about their deceptive credit practices. 
Since XX/XX/XXXX, I have paid {$1700.00} to CareCredit. Which means that I should only have a {$900.00} balance. I would like to pay in full, close the account, and have a positive credit report recorded. This has negatively affected my credit and ability to maintain and acquire credit in my name. 
CareCredit has established a reputation for habitual and ritualistic scamming of consumers and use of deceptive 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 2026-02-05 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I disputed a credit card account reported by XXXX that appears inaccurate. Despite my dispute, the account was verified under an incorrect legal name, XXXX XXXX, who is a different individual ( my brother ). My legal name is XXXX XXXX. 

Verifying an account under another persons name calls into question whether the investigation was conducted on the correct consumer at all and raises concerns of mixed-file reporting. 

I have requested full validation, including the original credit application, identity verification used at account opening, and complete billing records. Indigo has not provided this documentation but continues to report delinquent information. 

I am requesting deletion of this account or full written validation demonstrating that the account belongs to me and was properly investigated under my correct identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am a very long term JJill customer and : I requested a one-time goodwill adjustment of a {$30.00} late fee and scheduled the account to be paid in full today minus the late fee. 

According to the supervisor I spoke with, my XXXX payment was 1 day late although it posted several days later due to being paid on a weekend. 

Frontline representatives stated this was not possible due to account closure. 
Account was closed in line with a recent mailing indicating a 39.99 % interest rate which is unacceptable. 

This inflexibility seemed rather sad and unnecessary given the length of time I was a XXXX customer and felt punitive for closing my account. 

I am requesting review by an authorized team. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year> Repo agents enter my property to check vin number other vehicles and reposses XXXX of them i tried to stop them and explicitly told them to stop they continue any way they told me that they were to take and took all my belongings inside my car and if i dont remove the trailer that i have they will take it too, the bank still took it after i make the payment that they requiere the repo did an ilegal repo and im still without the car and i make all the complaint sent the video of the repo company of there agent trespassing and still they didnt return the vehicle its been XXXX days department after department no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
RENTRECOVERYSOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSOLUTIONS 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: Untimely response
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
ONLINE INFORMATION SER is falsely reporting on my credit. I have never had any accounts with them. Per my research ONLINE INFORMATION SER 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 2026-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I went to go fill out a fasfa. On the student aid website and it says I already have an account made to the XXXX XXXXXXXX XXXX XXXXXXXX XXXX which I have never had a fasfa meaning someone stole my identity

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
I am submitting this response as part of a new CFPB case, as my prior case # XXXX was closed without resolving the underlying dispute. The closure of the prior case does not establish accuracy of the reporting or address my identity theft claim. 

I do not agree that this matter has been resolved. 

SAFCOs response relies on the re-submission of a contract and an internal payment history and further suggests that I must provide a police report. This does not resolve my dispute and does not rebut my identity theft claim. 

I have filed an FTC Identity Theft Report and identity theft affidavit in good faith. The FTC Identity Theft Report is a legally recognized document intended to protect consumers from being held responsible for fraudulent accounts. Requiring an additional police report after receipt of a valid FTC Identity Theft Report improperly shifts the burden to the consumer and delays correction of inaccurate reporting. 

With respect to the documents SAFCO provided : The payment history reflects internal transaction activity but does not establish that I personally opened or authorized the account. 

The contract provided does not establish that I knowingly executed or authorized the agreement. The response does not explain how identity theft was ruled out or how signature authenticity was verified. 

The response letter reiterates SAFCOs position without addressing why my FTC Identity Theft Report was deemed insufficient. 

My dispute is based on lack of ownership. I did not open this account, did not authorize it, and did not knowingly benefit from it. An investigation that relies solely on internal records and repeats prior conclusions does not reasonably resolve an identity theft claim. 

Accordingly, this dispute remains unresolved. I respectfully request continued CFPB review and that SAFCO be required to either : Provide clear and convincing evidence that I personally and knowingly authorized this account despite my FTC Identity Theft Report, or Delete the SAFCO tradeline from all consumer reporting agencies due to identity theft and inability to verify lawful authorization. 

I request written confirmation of the corrective action taken. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I added an authorized user to my account. When the authorized user received and try to utilize the credit card. It would decline or state that he was making a fraudulent purchase by text or email. I have called numerous of times concerning this issue and the problem has not been resolved after the numerous of calls. I also requested to speak to a manager in the fraudulent department and I proceeded to explain that there were no fraudulent charges on this account. I also explained that every time the authorized user tries to make a purchase it declines and submits it as a fraudulent charge. The authorized user has tried a supermarket, XXXX and an online purchase and received the same results. Now my account is totally locked out and they are requesting invasive documentation which I provided and they still was not able to unlock my account or resolve the issue with the authorized userss account because the address on my bank statement dont have a number one ( apartment # ) but has the full correct address. I explained to them the address was an one family house and I was still denied help. I have been fighting this battle for two weeks now and Im still in the same position and no one can not help me. I have gone into a Capital One authorized branch and still receive the same results, no help..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
URGENT FORMAL REBUTTAL AND EVIDENTIARY SUBMISSION Willful Misrepresentation to Federal Regulators, Systemic UDAAP Violations, and Predatory Bait and Switch Practices Targeting Global Card Transfer Clients PLEASE REVIEW THE ATTACHED 69-PAGE PDF DOSSIER ( " XXXX '' ) FOR FORENSIC EVIDENCE OF PERJURY. 

TO THE BUREAU : The Complainant, XXXX XXXX , hereby submits this FORMAL REBUTTAL to the sworn responses provided by American Express dated XX/XX/XXXX, and XX/XX/XXXX. 

This filing is NOT a duplicate complaint. It is a submission of NEW FORENSIC EVIDENCE exposing that American Express knowingly submitted material falsehoods to the CFPB in previous filings to cover up UDAAP violations.

SUMMARY OF VIOLATIONS ( Detailed in Attached Dossier ) : The attached 69-page evidentiary dossier demonstrates that the Respondent has engaged in unlawful, unfair, and fraudulent business acts, including : WILLFUL MISREPRESENTATION ( PERJURY ) : American Express fabricated timelines in sworn responses to the CFPB regarding my Application Date and Contact Dates.

SEE EXHIBIT A vs. EXHIBIT T : Proof that they claimed " XX/XX/XXXX '' application date to the CFPB while reporting " XXXX '' to Credit Bureaus. 

SEE EXHIBIT A vs. EXHIBIT L : Proof that they fabricated a " XX/XX/XXXX '' conversation that never happened ( disproved by XXXX  Call Logs ). 

PREDATORY " BAIT AND SWITCH '' : They lured me as a XXXX XXXX XXXX ( XXXX  ) client but created a " XXXX '' trap by demanding a prior-year US Tax Return, which they knew a new immigrant could not possess, to force constructive cancellation.

RECKLESS ENDANGERMENT : They froze access to funds 72 hours before my travel, stranding me and my elderly mother at hotels booked via XXXX, causing over {$7600.00} in damages and safety risks in high-crime areas. 

WILLFUL BLINDNESS : On XX/XX/XXXX, the Executive Office ( XXXX XXXX ) refused to review this new evidence, falsely claiming " absence of new information '' ( SEE EXHIBIT X ). 

RELIEF REQUESTED : I respectfully request the Bureau to investigate these violations under its authority to protect consumers from abusive practices and enforce the restitution detailed in SECTION 13 of the attached dossier.

PLEASE OPEN THE ATTACHED PDF " XXXX '' TO REVIEW THE FULL EVIDENCE AND EXHIBITS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: HI

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with non-monetary relief