vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 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: MS

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 non-monetary relief
Consumer complaint received 2026-05-06 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: MS

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 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit A*R, Inc.
State: WA

Complaint narrative:
I am filing a complaint against this collection agency for failing to properly validate an alleged debt. After being contacted, I sent an email asking them to provide verification and proof of the debt. Instead of providing documentation, they simply responded by they the debt is yours and its been about XXXX months and they stopped replying to my email and this is hurting my life cause they destroyed my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, states that a consumer reporting agency is required to block and remove any information identified as resulting from identity theft within XXXX business days of receiving proper documentation. As I am a victim of identity theft and have no knowledge of the accounts in question, this law requires that all such fraudulent accounts be blocked and removed expeditiously from my consumer report. Please note that these same fraudulent items have already been deleted from my file with XXXX due to confirmed identity theft. In light of this, I expect Early Warning Services to take immediate and consistent action to block and remove these accounts without delay. -- -- Contributor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Principal Loss : {$470.00} Fee Reversal : {$40.00} Combined Loss & Fee Reversal : {$0.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse / Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Account Status : Closed For Cause-Purged Date of Last Status Change : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Current Account Status : Closed For Cause-Purged Date of Last Status Change : XX/XX/XXXX / Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Account Status : Closed For Cause-Purged Date of Last Status Change : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Present Date of Last Status Change : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND HAS BEEN INCORRECTLY PLACED ON MY CREDIT REPORT. I HAVE NEVER INITIATED, HELD, OR PERMITTED THIS ACCOUNT AND HAVE NO INVOLVEMENT WITH IT WHATSOEVER. ITS INCLUSION ON MY REPORT IS ERRONEOUS, DECEPTIVE, AND DOES NOT ACCURATELY REPRESENT MY CREDIT PROFILE. I AM FORMALLY CHALLENGING THIS ENTRY AND REQUEST A COMPREHENSIVE REVIEW AND PROPER AUTHENTICATION. IF YOU ARE UNABLE TO PROVIDE VALID AND COMPLETE EVIDENCE CONNECTING THIS ACCOUNT TO ME, IT MUST BE DELETED FROM MY CREDIT REPORT WITHOUT DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase finally after a CFPB complaint closed my account after 4 months. Then they sent me an email stating I had a recurring automatic charge and to log on to pay it. I can not log onto the app or into my account. I immediately went to the " Chase Executive '' XXXX and asked about this. Who is the payee, and is this real so I can pay it? She never responded. I sent this to another " Chase XXXX " and got no response. I want to know if this exists and who to pay, so this does not show up on my credit. NO ONE responds. Again I can not log in to handle this payment or find out who to pay.. My chase account is linked to another bank account, but it shows as unpaid. Please handle Chase about this. The email from Chase is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
i applied for a personal loan through a dental office lending point is what the office used. i was given a higher interest rate. i would have never imagined after XXXX XXXX XXXX XXXX XXXX loan for {$4900.00} would only have gone down to {$4100.00}. i have negotiated with them. They kick back payments as if the werent authorized or received. I i was paying extra and it XXXX down to {$2000.00} now im back at my principal rate. with XXXX principal applied. I have tried so many times to pay this down and the balance doesnt move.I also noticed the agreement has been removed from the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: GA

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 2026-05-06 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: AR

Complaint narrative:
On XX/XX/XXXX, National Credit Systems received my certified direct dispute regarding a rental collection account. The dispute specifically challenged rent charged through XX/XX/XXXX despite lease expiration on XX/XX/XXXX, an incorrect reported move-out date of XX/XX/XXXX, and late fees assessed without identification of a contractual basis. I requested documentation supporting the balance, including a prorated rent calculation, the lease provision authorizing rent through XX/XX/XXXX, the basis for late fees, and documentation supporting the reported move-out date. As of XX/XX/XXXX, I have received no response. The account continues to be reported to consumer reporting agencies without correction. I am requesting that National Credit Systems either provide documentation substantiating the reported balance or correct/delete the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I filed a complaint with you previously, because I lost access ( username and password ) to my Truist Bank mortgage account. To complicate matters, I also retired in XXXX, no longer maintaining a US phone. Truist finally called me on my Italian number XXXX ( XXXX ) XXXX, immediately insisting I verify my identity by providing information from the Truist app and/or website! It is as if they did not even read my complaint, that I could not access the app or website! Also, remember, They called Me! They then spent an hour going in circles, first insisting on verifying me, even though THEY CALLED ME! Worse, the verification required me to PROVIDE INFORMATION FROM THE WEBSITE! Recall, this complaint began because I could not get access to the website! They then said I must register for internet banking, which also first requires me to access the website first. It goes around and around endlessly. Their rules require I provide information from the we site or app, to verify or register, so that they can help me regain access to the same we site and app, which was and is my problem to begin with. I need Truist Bank to call or email me, verifying me with information NOT FROM THE APP OR WEBSITE TO WHICH I AM REQUESTING ACCESS! I AM THE ONLY HUMAN ON EARTH WHO EVER ANSWERS THE PHONE NUMBER PROVIDED!!!! I AUTHORIZE TRUIST TO CONSIDER ANSWERING THIS NUMBER AND VERIFYING MY FULL NAME AND SSN AS ADEQUATE VERIFICATION OF MY IDENTITY! These people have created internal rules which have locked me out of my own account. It is disgusting how they are treating a XXXX XXXX XXXXXXXX American Veteran! I will also be submitting this complaint to the VA, who allows this disgusting institution to participate in the VA guaranteed mortgage program. Maybe Truist should not be allowed ti hold VA mortgages ; as, they treat veterans like XXXX and refuse us access to our own accounts, going in endless circles created by their own ignorance and refusal to display even an iota of sympathy, empathy, or compassion. They should be barred from holding VA loans!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I cant use my account since I made it I cant use virtual card I cant change my phone number to my new phone i just received I cant do nothing they wont allow me I try to upload identity it keep saying not enough contrast I cant fix it nothing can do its there system then they mailed me a card and somebody received it XXXX days later and activated I told them Im pretty sure that was somebody in they company cuz the card never got to me now today they will wont let me use my account cant upload id still cuz it keep saying not enough contrast even wen I take the picture outside then I cant edit my phone number my phone is XXXX XXXX XXXX they not allowing me to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a collection account related to my previous apartment lease at ThXXXX XXXX XXXX The apartment had serious habitability and safety issues, including a severe water leak from a broken pipe in the ceiling that caused flooding and unsafe living conditions for my family. I submitted multiple repair requests beginning in XX/XX/year>, sent emails, mailed certified notices, and filed complaints with government agencies like the Attorney General 's office and XXXX Despite repeated notices, management failed to resolve the issue promptly. Due to these unsafe conditions, I formally notified management of my intent to terminate the lease under Texas tenant rights laws. Even after providing documentation and evidence supporting my dispute, the debt/account continues to be reported against me and is damaging my credit report and financial standing. I believe the reporting is inaccurate and unfair because the lease termination resulted from unsafe living conditions and managements failure to maintain the property. On XX/XX/XXXX XXXX XXXX XXXX XXXX Reported balance of {$2300.00} to all credit Beaurus Negatively for me and my wife XXXX XXXX credit files in all three major bureaus, XXXX XXXX XXXX without properly serving as the debt they claimed I immediately disputed it but with in 30 days the collection agency updated as an accurate reporting I sent them the certified letter ( receipt attached ) asking to validate the debt and sent them all the supporting documents but they did not replied nor deleted the debt, they ruin me and my wife credit and violated multiple violations of CFBP I request collection : * Conduct a full investigation of this account * Review all supporting evidence and communications * Validate the alleged debt with proper documentation * Remove any inaccurate or unverifiable reporting from all credit bureaus I have attached supporting evidence, including emails, complaints, and records related to the unsafe living conditions and lease termination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND HAS BEEN INCORRECTLY PLACED ON MY CREDIT REPORT. I HAVE NEVER INITIATED, HELD, OR PERMITTED THIS ACCOUNT AND HAVE NO INVOLVEMENT WITH IT WHATSOEVER. ITS INCLUSION ON MY REPORT IS ERRONEOUS, DECEPTIVE, AND DOES NOT ACCURATELY REPRESENT MY CREDIT PROFILE. I AM FORMALLY CHALLENGING THIS ENTRY AND REQUEST A COMPREHENSIVE REVIEW AND PROPER AUTHENTICATION. IF YOU ARE UNABLE TO PROVIDE VALID AND COMPLETE EVIDENCE CONNECTING THIS ACCOUNT TO ME, IT MUST BE DELETED FROM MY CREDIT REPORT WITHOUT DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This collection was paid. I disputed it and Equifax returned a letter basically lying as if they verified the debit was still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Lnvn funding states on my credit report that I have a new account with them that started XXXX XXXX That's untrue. They sold the account and resubmitted the same account stating it was new. I write them and XXXX XXXX XXXX XXXXnd asked them to take that off my account. XXXX had already done do. They forbid too. Told them you are not allowed to collections to someone else. Asked them to prove it was mine. Then asked them to remove it. They have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
From XXXX XX/XX/2026 through XXXX XX/XX/2026 USAA conducted behind the scenes work to its online bill payment system. On XXXX XXXX the system went live with no prior notification to customers of what the impacts or changes would be. Into order to access a customers bill payment screen, the customer is required to accept updated terms and conditions. Additionally the company changed the process of paying bills, withdrawing funds from the customer account several days prior to the bill due date- this is a significant change in the process and the company gave no prior notification. The company furthermore informed its customer service representatives to expect complaints to come in due to early withdrawal policy change, as I was informed by the representative I spoke with. USAA falsely advertises that it takes care of its primarily military members but predatory practices such as this has become more of the norm for this company as it takes advantage of a military community too busy fighting wars to pay attention or too far away to address these 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 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am writing to formally dispute a debt from XXXX XXXX XXXX XXXX which has been garnishing my wages since XXXX. The original judgment occurred in XXXX but I never received proper notice or documentation about the stat transfer. I filed a motion on XX/XX/XXXX and a court date was set for XX/XX/XXXX but the judge continued the hearing I have since appealed this case I requested all Collection efforts, including wage garnishment, be paused until the appeal is resolved please provide all documentation of the debt transfer and the basis for garnishment, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Chime Financial Inc
State: MO

Complaint narrative:
I was meeting with a guy that I was texting and him and XXXX other men pulled guns on me and FORCED me to give them my phone and unlock it. While they were going through my phone I ran off but they ended up transferring all of my money to XXXX of their Chime accounts and I disputed it and they told me there were no errors. This is the SECOND time they've refused to reimburse me money when I was robbed. I have a police report for the situation and everything and I uploaded the information to them and they still haven't done anything. I even have text messages from the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Research Inc
State: OH

Complaint narrative:
Found a student loan debt on my credit report in XX/XX/XXXX, that was opened in XX/XX/XXXX. Loan appears to have been for XXXXXXXX XXXX XXXXXXXX, that is now past due and negatively reported on my credit. I am not nor have I ever been a student at the XXXX XXXX XXXXXXXX, nor do I know anyone who has. I have never applied or received student loan monies from any school. I contacted the collection agency Central Research Inc ( as shown on credit report ) on XX/XX/XXXX, they referred me to the XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX, filed a ID Theft Affidavit, filed a police report with the XXXX XXXX ( OH ) XXXX XXXX on XX/XX/XXXX, and a filed a report of identity theft with the FTC on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint regarding LVNV Fundings inaccurate reporting of an alleged debt on my XXXX credit report. This account was previously disputed and LVNV Funding failed to provide competent documentation verifying the accuracy and ownership of the alleged debt. The only documentation previously provided was a generic XXXX XXXX XXXX agreement, which does not establish LVNV Fundings legal ownership of this specific account nor a complete chain of assignment from the original creditor. Additionally, this same account has already been removed from XXXX XXXX XXXX after failing verification, yet it continues to be reported by XXXX This creates inconsistent credit reporting and raises serious concerns regarding compliance with the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies and furnishers of information are required to ensure maximum possible accuracy of reported information. Furthermore, under 15 U.S.C. 1681i ( a ), unverifiable information must be deleted from a consumers credit file. LVNV Funding has failed to provide : - competent proof of ownership of the account - a complete chain of assignment - account-level documentation validating the reported balance - complete payment history The reporting remains inaccurate, incomplete, and inconsistent across credit bureaus. I am requesting the immediate deletion of this account from my TransUnion credit report.

Company response to consumer: Closed with explanation