vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Consumer Financial Protection Bureau Complaint I am filing this complaint regarding OneMain Financials ' continued reporting of a deficiency balance arising from a repossessed vehicle and its failure to provide documentation supporting that balance. I financed a XXXX XXXX XXXX through OneMain Financial. The vehicle was repossessed and later sold. On XX/XX/XXXX, OneMain notified me that a deficiency balance remained after the sale of the vehicle. On XX/XX/XXXX, I sent a written request to OneMain 's XXXX XXXX XXXX department requesting a copy of the bill of sale for the vehicle. My request was simple and direct : " Please send the bill of sale. '' Despite that request, OneMain did not provide the bill of sale or documentation supporting the sale and deficiency calculation. As of today, OneMain continues to report a balance of approximately {$7300.00} to consumer reporting agencies, including Experian. I have been unable to verify the accuracy of this balance because OneMain has not provided the records supporting : The sale of the repossessed vehicle. The sale price received. The application of sale proceeds. Fees and expenses charged. Credits applied to the account. The calculation of the deficiency balance being reported. I am requesting that OneMain : 1. Provide the bill of sale and records related to the disposition of the repossessed vehicle. 2. Provide documentation supporting the deficiency balance and current reported balance. 3. Conduct a reasonable investigation regarding the accuracy of the information being furnished to consumer reporting agencies. 4. Correct any inaccurate information being reported if the balance can not be substantiated. I am attaching evidence showing my XX/XX/XXXX, request for the bill of sale and documentation showing the balance currently being reported. I respectfully request CFPB assistance in obtaining the documentation supporting the reported deficiency balance and ensuring the accuracy of the information being furnished to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I lived here for about a year ( XXXX ) and moved out due to serious mold issues. There was mold in my sons room, coming through the exterior wall, and under the sink. I reported it immediately and stayed on top of all work orders, but managements response was, You signed documents acknowledging mold. Despite repeated notifications, they never fixed the problem, which is why I ultimately moved out. To make matters worse, they later tried to bill me for damages totaling {$2500.00}. Its now been three years, and even the current tenant says the mold issue is still ongoing and has not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: NY

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lentegrity Management, LLC
State: PA

Complaint narrative:
Lentegrity XXXX XXXX is reporting an inaccurate late mark for XXXX causing a XXXX point credit drop. The past due flag started before my XX/XX/XXXX automatic payment. When I called the phone, Agent said nothing was wrong and that they saw no past due markings. On XX/XX/XXXX, I paid an extra {$110.00} to completely wipe out the {$110.00} balance. My app now reads a XXXX balance but the system still list me past due with a XXXX balance phone reps are completely XXXX to this back and computer error please force integrity to clear this late flag and update my history to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: NY

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
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am submitting this complaint because I have made numerous attempts to resolve this matter directly with CBNA Best Buy, but I have been unable to obtain a satisfactory resolution. I have contacted Customer Service several times and, on each occasion, I was transferred to the recovery department. I was repeatedly informed that the account had been canceled due to a fraud-related issue and that the debt had been disregarded for that reason. However, I have never reported fraud on this account, nor have I ever requested that the account be closed for fraud-related reasons. As a result of the actions taken by the creditor, the account was closed, leaving me without the ability to make payments or otherwise resolve the matter. Despite this, the account continues to be reported on my credit reports, causing ongoing harm to my credit profile. I have made good-faith efforts to obtain clarification and a resolution. Unfortunately, each time I contact the company, I receive the same explanation but no meaningful assistance, correction, or path toward resolving the reporting issue. I am effectively left in a situation where the creditor will not allow me to address the account, yet continues to report information that is negatively affecting my creditworthiness. This reporting has significantly impacted my efforts to improve my credit and has caused ongoing financial hardship. I believe the reporting is inaccurate, incomplete, or, at a minimum, unsupported by the information being provided to me by the creditor 's representatives. I respectfully request that CBNA Best Buy conduct a thorough investigation of this matter, provide documentation supporting the continued reporting of this account, and remove any inaccurate, unverifiable, or misleading information from my credit reports. If the creditor can not substantiate the reporting, I request that the account and any associated negative information be deleted from all consumer reporting agencies immediately. Thank you for your assistance in helping resolve this matter fairly and accurately.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

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 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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

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 non-monetary relief
Consumer complaint received 2026-06-10 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My wallet was stolen and my card was used I open up a police investigation and I have proof of everything and navy federal keeps denying my claims I need help this is my next attempt if not I will be getting an attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On or about XX/XX/year>. My account access was stopped, I couldnt use my funds. I was able to call and ask the reason, the reply from Bank of America was that they were conducting a review of the account and I needed to wait, I continued to call several times and I was forward to another department ( risk management ) on approximately XX/XX/year>. They did not provide any further explanation just to continue to wait. It has been more than 35 days, I still have no information, I continue to call and Im not able to properly communicate with someone to get detailed information and for the last, they are charging me XXXX $ monthly and my funds are still being froze.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX I applied for a heavily advertised CapitalOne XXXX XXXX XXXX card that had a promotional 0 % interest rate for 15 months. My application was approved and the credit card was sent to me. However, after two months of using the card, I received the statement showing a large interest charge ( 28 % ) had been applied. When I called to discuss this with customer service ( on XX/XX/XXXX agent XXXX ID # XXXX ), they informed me that although I had been approved for the card, I was not approved for the interest rate, despite having an excellent credit score and credit history. They further explained that the highly advertised 0 % introductory interest rate for this card really meant the card was only ELIGIBLE for a 0 % interest rate, and that not everyone who is issued the card gets the introductory rate. This is despite the fact that on Capital One 's own website it shows this card as a " low interest rate intro card '' ( XXXX XXXX XXXX XXXX When I informed customer service that I was not told that my application for the 0 % card was not approved, nor was I informed that an alternative card arrangement was substituted, the agent responded by stating that " well, when we sent you the information and terms of the card, it didn't include the introductory interest rate. '' I believe this is deceptive advertising and bait and switch on behalf of Capital One. When I requested that they refund the first month 's interest charge so that I can payoff the card balance without being responsible for exorbitant fees that were not understood, they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I dispute the collection Equifax put on my credit report. I ask them to remove it because it's not mine. XXXX XXXX XXXX withdrawn this collection on XX/XX/year> and their records show credit Bureaus were updated. XXXX and XXXX removed the collection but Equifax still reporting the collection on my credit report. I ask Equifax why they haven't removed it, they said they didn't receive anything from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: SC

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