vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 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: OK

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-01-02 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: Block, Inc.
State: MO

Complaint narrative:
" I am reporting a formal billing dispute against XXXX. On XX/XX/year>, XXXX cancelled Order # XXXX ( {$390.00} ) and confirmed the funds would reverse by Tuesday, XX/XX/XXXX. As of today, Friday, XX/XX/XXXX, XXXX is still maintaining an illegal authorization hold, which has dropped my available credit to {$290.00}. This is blocking me from purchasing a critical tool for my business. XXXX is in violation of the CFPBs recent ruling that BNPL providers must follow credit card dispute and 'Regulation Z ' billing error rules. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Since XX/XX/2025 planet Home lending has continuously messed up on our monthly loan payments, losing funds miss allegating of funds and alluding me each time Ive contacted them. 
Due to the miss allocation of funds, my credit score has drastically dropped due to their error and after they promised that they would correct the errors and contact the credit bureau in a stated of letter to me, they have yet to do so.

Planet Home lending has continuously stated that I am behind on my monthly home loan payments and each time I make a monthly loan payment its being applied to the month prior. After speaking with planet, Homelending, they requested all front and backs of the checks showing that they received in deposited them along with bank statements, showing that the money was in the account and then they withdrew it the money. After months of working on this, they have yet to resolve this issue now stating Im several months behind and their numbers do not match up to mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
I received an email saying I needed to make a payment by XXXX midnight XXXX XX/XX/year> to avoid my card being charged off. 

I made a payment in excess of what was required and they charged my card XXXX tried talking with their customer service XXXX but they said they could no longer help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OH

Complaint narrative:
The debt collector and its attorney improperly disclosed my full Social Security number unredacted by mailing discovery materials to an incorrect address, despite having my correct address on record with the court. I never received this discovery and only became aware of the disclosure after obtaining a copy directly from the court clerk. 

Mailing unredacted Social Security numbers to an incorrect address constitutes an unauthorized disclosure of nonpublic personal information, a failure to safeguard sensitive consumer data, and an unfair debt collection practice. This conduct exposed me to an unreasonable risk of identity theft and demonstrates negligent handling of protected personal information in connection with a debt collection action. 

The disclosure occurred during active litigation, further compounding the harm by undermining proper discovery procedures and consumer privacy protections. 

I am requesting that the CFPB investigate this matter and require corrective action to ensure compliance with federal privacy, data security, and debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
My wife paid off my capitol 1 XXXX cc from her personal acct., I checked my app.to make sure the payment went through at that time I saw that my card was restricted so I called the fraud dept. to find out why, they asked if my name was on my wifes acct. which I answered no they said they needed to talk to my wife and the bank to make sure the payment wasn't fraudulent ( which had already posted & cleared her bank ) my wife the fraud specialist & her bank verified the payment was made by her so I thought it was all taken care of then the fraud specialist said no we need to call XXXX about the payment I had made 2 weeks earlier to my cap 1 XXXX cc which I have made from this acct for the last 2-3yrs & that acct .is in my name, I told the fraud specialist there is no reason to make me call the credit union for a payment that had cleared 10 days earlier they didn't question it then why would you question it now this is just harassment because I paid my balance in full & that is why I'm filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KOP Collection Services LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from Koppel & Associates, LLC attempting to collect {$240.00} for XXXX XXXX. I dispute this amount entirely. The amount includes invalid fees and fails to account for a pre-existing damage claim. 

The underlying debt stems from a move where XXXX XXXX failed to complete delivery on XX/XX/XXXX ( items were missing ). When they finally redelivered the missing items, they damaged my desktop computer tower. I submitted a formal damage claim, including photos and a signed form, in XX/XX/XXXX. XXXX XXXX acknowledged the claim but never provided a written decision or resolution despite my follow-ups. 

Instead, they added inconsistent fees ( labeled variously as " room service fee, '' " surcharge, '' or " special delivery '' ) for the redelivery that was necessary only because of their original failure. I am now being sent to collections for {$240.00} while my damage claim remains ignored. This attempts to collect an amount that is not owed under the facts of the service failure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Arcon Credit Solutions LLC
State: CT

Complaint narrative:
The company XXXX XXXX XXXX has been texting my mother stating that this is a debt collector for my XXXX XXXX XXXX XXXX with the account number. They have sent it multiple times. I am not a minor. It says acron credit solutions on the text. XXXX on the lawyer letter. Ref # XXXX and their number is XXXX. It is embarrassing as she is very Ill. 
Dates : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
In XXXX of 2025, Cash App restricted and banned my account for gambling. Ive never gambled, or used Cash App to gamble.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I recently obtained a copy of my credit report from your agency and discovered that : XXXX XXXX is reporting late payments on my studentloan account ( Account No. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX XXXX XXXX late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX of XXXX XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account No. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I recently obtained a copy of my credit report from your agency and discovered that : XXXX XXXX is reporting late payments on my studentloan account ( Account No. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX XXXX XXXX late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX of XXXX XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account XXXX. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 
XXXX XXXX is reporting late payments on my studentloan account ( Account No. 
XXXX ). The negative history appears on my report as XXXX late payments on XX/XX/year>- XX/XX/year>. 

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am submitting this complaint to dispute a debt being collected by Jefferson Capital Systems , LLC related to an alleged XXXX XXXX XXXX XXXX account XXXX 

XXXX XXXX alleges an original balance of {$230.00} as of XX/XX/year>, now increased to {$790.00}, including {$550.00} in fees and {$0.00} in interest. XXXX XXXX has failed to provide documentation showing these fees are authorized by contract or permitted under New Jersey or federal law. 

Grounds for Dispute 1. Failure to Validate the Debt FDCPA 15 U.S.C. 1692g Jefferson Capital has not provided : A complete chain of assignment proving ownership from XXXX XXXX XXXX XXXX XXXX 
A bill of sale or purchase agreement identifying my specific account Proof of legal standing to collect Any contract authorizing the excessive fees added 2. Unlawful and Deceptive Fees New Jersey Consumer Fraud Act N.J.S.A. 56:8-1 et seq. 

The addition of {$550.00} in fees, exceeding the alleged principal, constitutes a potentially unconscionable and deceptive commercial practice. Under the NJ Consumer Fraud Act, misrepresenting amounts owed or collecting fees not expressly authorized by contract or law is prohibited and enforceable by the New Jersey Attorney General, Division of Consumer Affairs. 

3. Harassment and Unfair Collection FDCPA 15 U.S.C. 1692d & 1692f This account allegedly dates back to XX/XX/year>. Continued collection without lawful validation constitutes harassment and unfair collection practices. 

4. Credit Reporting Dispute FCRA 15 U.S.C . 1681 Any credit reporting without verified ownership, balance accuracy, and fee authorization violates the Fair Credit Reporting Act. 

Requested Resolution I request Jefferson Capital Systems , LLC : Provide full proof of ownership and chain of assignment Provide lawful justification for all fees Cease collection until validation is produced Correct or delete any credit reporting Cease all harassing communications If validation can not be produced, I request the account be closed and permanently removed, and this matter referred to the New Jersey Attorney General, Division of Consumer Affairs, for enforcement review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
While visiting XXXX XXXX, I was like down by a FNBO universal rewards credit card representative. They entice me to imply for their credit card by offering me free fast passes, unlimited beverages, and access to their member lounge inside of the park, which offered free beverages and snacks. Additionally, they told me if I use the card that day at the park I would receive a {$100.00} credit on my first statement. When I received my firs XXXX statement ( not my first statement ) from FNBO with my balance and payment amount due, I noticed that I was charged a {$99.00} annual fee. At no time during the marketing process did they disclose to me that this was the annual fee credit card. I do not apply or have any credit cards with annual fees. They said the only way to remove the fee was to close my account. However, I am in the process of buying a home and closing any accounts will impact of my credit negatively. I asked them if it was possible to waive the {$99.00} fee as a courtesy since they did not make it known to me that I would be charged this fee. They said the only way to do that was to close the account. Which would impact my credit negatively. Therefore, I was faced with only two options : 1 ) close the account and impact my negative credit negatively or 2 ) keep the account open and continue paying a {$99.00} annual fee for a credit card that I rarely use because I already have other credit cards. I feel extremely misled and deceived by the marketing tactics. I feel this is a terrible thing to do to consumers coming to visit the park. I dont want anyone else to be in the same position that I am in. ultimately I chose to keep the account open at this time because I dont want to impact my credit negatively as I am home searching. This means I will have to pay a {$99.00} fee to a credit card company that I rarely use because I was unaware of the annual fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
I keep receiving treating text and emails everyday that the are selling my information to a third party I have quested no contact. I keep receiving and I am terrified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: CA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Glick Management, LLC
State: OH

Complaint narrative:
I got a lease on a car and the motor mont went out a month after I got it. They fixed it and added XXXX dollars charge on the back end now I cant manage the payments.

Company response to consumer: Untimely response