vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I bought tickets to a concert and the concert was rescheduled and then canceled. I disputed the charges, totaling around {$5000.00} with the credit card company and provided documentation that I paid the amount as well as the site with no information and an email stating they were processing refunds. I have asked for this to be reviewed three different times and I response i received stated " After considering all information you provided, we're unable to change the outcome of the dispute. Your dispute is resolved, and the transaction is valid. '' Each time I disputed I contacted the company and asked for a specific reason and I was never provided a clear answer. I even asked if they contacted the merchant which I believe they said they had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
applied for a loan with Digital Federal Credit Union ( DCU ) ( Application XXXX XXXXXXXX ) and was denied. The adverse action reasons provided were vague and non-specific, including statements such as affordability risk, income deviation risk, and vehicle not consistent with income. These explanations do not meet the requirements under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ( d ) ) and Regulation B ( 12 CFR 1002.9 ), which require specific and clear reasons for denial. The creditor also referenced a DecisionScore : 483, which appears to be a proprietary internal scoring system, but failed to explain how this score was calculated or what specific factors led to the denial. Additionally, the creditor cited income pattern risk, which suggests the use of third-party or algorithmic data that may be inaccurate or unverifiable, raising concerns under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). I was not provided sufficient information to understand, verify, or correct the alleged issues, which is a violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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:
To Whom It XXXX Concern, I am submitting this complaint against LVNV Funding LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. LVNV Funding LLC has been reporting an account on my credit report with inconsistent and inaccurate information. Specifically, I have observed the following issues : 1. The balance of the account has been repeatedly changed without proper explanation or validation. 2. The account appears to have been re-aged, which is a serious violation, as it improperly extends the reporting period and negatively impacts my credit profile. 3. The information being reported does not remain consistent across credit bureaus and reporting periods, raising concerns about the accuracy and integrity of their reporting practices. I have not received adequate documentation or validation to justify these changes despite my efforts to address this matter. These actions are misleading and potentially unlawful under the FCRA, which requires that all information furnished to credit reporting agencies be accurate and verifiable. I am requesting the following actions : * A full investigation into LVNV Funding LLCs reporting practices regarding this account. * Immediate correction or removal of any inaccurate, unverifiable, or improperly re-aged information from my credit reports. * Verification of the original date of delinquency and assurance that it has not been unlawfully altered. * Documentation supporting the current balance and any changes made to the account. This situation has caused harm to my creditworthiness and financial standing, and I expect a prompt and thorough resolution. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please remove fraudulent accounts from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
Ok, I got this load I needed for a XXXX back in XXXX. I do not mind paying, but what I do mind is this. They take out money every week and only put XXXX toward the loan. I have paid them the amount. I spoke to the agent, and she said yes, we only take out XXXX and the rest is fees. What fees? I will send the a copy of this. On the site its like ok let me go ahead. I can work with this company, and I was so glad. But when I saw this XXXX, if I knew that, I would not have signed for the loan. And I told her you all are loan sharks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/year>, I was the victim of an XXXX XXXX involving callers falsely claiming to be with the XXXX XXXX XXXX XXXX regarding my son. The callers used fear, urgency, and deception to pressure me into sending {$1400.00} through a digital wallet / money transfer service. The caller specifically instructed me not to tell my bank who I was speaking with and falsely stated that the funds would be refunded once my son was released. Because I believed my son was in danger, I sent the payment under deception and coercion. I immediately contacted Wells Fargo and filed claim number XXXX. The claim was initially denied because Wells Fargo stated the transaction was authorized and that there was nothing further the bank could do. Following the initial denial, on XX/XX/year>, I formally submitted a dispute / reconsideration request regarding the denial and provided supporting documentation, including screenshots, call logs, text message evidence, and FTC report confirmation number XXXX. Despite submitting this documentation, I was still advised that there was nothing further the bank could do and that the transaction remained classified as authorized. This was not a voluntary payment in the normal sense. The payment was authorized only because I was intentionally deceived by criminals impersonating law enforcement and exploiting fear for my sons safety. I am requesting reimbursement of the {$1400.00}, supervisory review of the denied claim, and a written explanation of why a scam-induced transfer was denied despite supporting documentation and a formal reconsideration request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding multiple suspicious and potentially unlawful debt collection calls related to an alleged account originally with Acima. I have received repeated calls from an unknown phone number. I was left a voicemail to call XXXX, from individuals claiming to be part of an XXXX team. These callers used threatening and misleading language, including statements that I was being sued for XXXX, that my rights would be forfeited, and that I would be located at my home or place of employment. I was told I would need to get a lawyer if I could not make payment in full and when I go to court, I would have attempt to defraud a business placed on my credit history. The callers refused to provide written validation of the debt when requested and instead redirected me to multiple other phone numbers, creating confusion about who actually owns or services the account. They also contacted my XXXX regarding my alleged debt, using the same threatening language and aggressive behavior, which I believe is a violation of my privacy rights. I contacted Acima directly and was told the account had been charged off and placed with a third-party collection agency, XXXX XXXX XXXX XXXX . However, the behavior and phone numbers used by the callers do not match what was provided by Acima. I was provided with this phone number XXXX for XXXX XXXX XXXX XXXX by Acima. When I contacted that number, I was told my case was sealed and that I needed to contact their corporate offices at XXXX. When I contacted the corporate offices at that number and requested written debt verification, I was told that XXXX, a different collection agency or their verification team now has my account at the number XXXX. I believe these calls involve deceptive, abusive, and potentially fraudulent collection practices, including : - Misrepresentation of legal status ( false claims of lawsuits and fraud ) - Harassment and intimidation - Refusal to provide written debt validation - Improper third-party contact I am requesting an investigation into these entities and their practices, and that they be required to cease all unlawful communication. I am also requesting confirmation of the legitimate entity, if any, authorized to collect this debt so I can resolve it safely. It should be noted that the original Debt is under my maiden name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I am being reported for a debt from XXXX XXXX that I never opened. I have never had an insurance policy with XXXX at any time. My only interaction was requesting a quote, which does not create a financial obligation. The collection agency claims the account was verified, but they have failed to provide any documentation such as policy start or end dates, a signed agreement, proof of coverage, or billing statements. I have requested verification multiple times and they have not provided any evidence that a policy ever existed. This account is inaccurate and should be removed immediately. Caine & Weiner - Collection agency {$240.00} - amount owed Below is attached files of screenshots showing I only inquired about a quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I NOTICED THAT SOMEONE TRIED TO MESS WITH MY ACCOUNT. I SEE THAT I HAVE FRAUDULENT INQUIRIES WHICH I DIDNT APPLIED OR GAVE ANY CONSENT. PLEASE REMOVE IT FROM MY ACCOUNT BECAUSE ITS FRAUDULENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding unverified debt collection activity by Midland Credit Management. Midland Credit Management is currently reporting a collection account on my consumer credit file. I dispute this account in its entirety. I have not been provided with sufficient documentation to establish that I have a legal obligation to pay this alleged debt, nor has Midland Credit Management demonstrated that they have the legal authority to collect on this account. To date, Midland Credit Management has failed to provide : A complete chain of title documenting how this alleged debt was transferred from the original creditor to their company Documentation demonstrating that this specific account was included in any assignment or transfer A copy of the original agreement establishing the alleged obligation A full accounting of the alleged debt as calculated by Midland Credit Management Despite the lack of proper validation, Midland Credit Management continues to report this account to consumer reporting agencies. Under the Fair Debt Collection Practices Act, I have the right to request validation of any alleged debt. Additionally, under the Fair Credit Reporting Act, any information reported must be accurate and verifiable. Reporting a collection account without providing sufficient documentation to validate the debt raises serious concerns regarding the accuracy and legality of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank provided conflicting and inaccurate information regarding a voluntary repossession and is attempting to collect a deficiency based on false statements. I previously filed a CFPB complaint, and Huntington responded with XXXX different written letters that contradict each other on major facts. In their XX/XX/XXXX letter, Huntington stated that the voluntary repossession was reopened in XX/XX/XXXX, that the hold was removed, and that I confirmed pickup on XX/XX/XXXX. This letter shows active communication and no mention of a total loss. In their XX/XX/XXXX letter, Huntington changed the loan number, changed the timeline, and claimed the vehicle was declared a total loss, which is false. I never reported a total loss, and their earlier letter contradicts this claim. They also stated they could not reach me for months, even though their XXXX letter confirms communication and completion of the pickup. * * These conflicting statements can not both be true. Huntington has not provided accurate information, has changed key facts, and is attempting to collect a deficiency based on inconsistent and incorrect records. I have also attached a XXXX letter from Huntington that contains yet another conflicting version of events, showing a long-term pattern of inconsistent and inaccurate statements regarding this same vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I utilized a service known as XXXX to match me with someone who was looking to deposit money to a XXXX site that would pay me a withdrawal as a form of their deposit. This person sent the {$1500.00} that was agreed upon via PayPal and then immediately filed a chargeback saying they were hacked with their financial institution. Within days Paypal debited my account for the disputed amount thinking that I had scammed this person. I filed a dispute, uploaded all the evidence I had including screenshots of our conversation on matchpay with time stamps, and waited for XXXX months and heard nothing back. XXXX Days ago I was informed that the case closed in the buyers favor and there was nothing I could do. I have had multiple correspondences with them reaching out for updates and requested that they send me proof that they actually passed along the info i provided to the XXXX XXXX financial institution and they did not provide it. I have them on a recorded line saying they did but they were unable to provide me any proof that they actually attempted to resolve this case at all. So not only was I scammed by someone but PayPal did absolutely nothing to help me recover the funds they debited from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SECURITY FINANCE CORP
State: FL

Complaint narrative:
On multiple occasions, I contacted my auto loan provider, XXXX, regarding my account due to financial hardship and my inability to make payments. I requested information about my options, including voluntary surrender of the vehicle and next steps. Beginning on XX/XX/XXXX at approximately XXXX XXXX, I spoke with the XXXX assigned to my account. During this call, I explained that I could not provide a payment date because I am currently unable to afford the payments. The XXXX responded in a rude and unprofessional manner, speaking to me in an inappropriate tone and repeatedly pressuring me to provide a payment date despite my explanation. The XXXX stated that he would continue to call me daily until I provided a payment date. While I understand account follow-up is part of the process, the manner in which I was spoken to was disrespectful and felt harassing. On XX/XX/XXXX at approximately XXXX XXXX, the same XXXX called again and continued with the same behavior, speaking in an unprofessional tone and again pressuring me for a payment date after I clearly explained my financial situation. I also missed a call from this representative on XX/XX/XXXX. Most recently, I spoke with him again, and this interaction was the most concerning. His tone was even more aggressive and disrespectful, and I felt I was being spoken to in a way that was inappropriate and not acceptable for a professional setting. I requested to be reassigned to another XXXX due to this behavior. I was transferred to a XXXX ; however, my concerns did not appear to be taken seriously. I am submitting this complaint because I made multiple good-faith attempts to communicate and seek assistance, but was met with repeated unprofessional and disrespectful treatment. I am requesting that this conduct be reviewed and that I be treated with professionalism and respect in all future communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The claimed they sent an email stating they would close my account but they did not. I received regular emails form the bank regarding other transactions so my email is correct and they have no excuse for not sending info. They are holding my funds and cause ing financial hardship as this is my only bank account and all of my money. I will starve until they release these funds. I spoke on the phone with then with a XXXX on the management team for customer service and she was no help. The escalation number is XXXX. I need access to these funds now I will collect the funds form a branch and close the account today but I need this done now so I can pay bills and not starve. I have {$1800.00} in my account now that is not pending. Please help the bank industry big corporations can not be allowed to terrorize a small consumer like me in this way

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: Zions Debt Holdings
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: AL

Complaint narrative:
I am disputing an account that was opened through identity theft. I never applied for or authorized this account. I have already disputed this matter with the credit bureaus and provided proof of identity theft, yet the account remains on my report without proper validation. This is a violation of the Fair Credit Reporting Act.

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