vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Complaint Against TransUnion Failure to Block Identity Theft Account Under FCRA 605B XXXX XXXX I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires credit reporting agencies to block information resulting from identity theft. I have repeatedly notified TransUnion that a fraudulent account appearing on my credit report is the result of identity theft. I submitted an Identity Theft Report through the Federal Trade Commission and provided supporting documentation, including proof of identity and disputes identifying the account as fraudulent. Despite this, TransUnion has continued to report the account as verified after multiple disputes. This response is inappropriate and not compliant with federal law. Under FCRA 605B, once a consumer submits a valid Identity Theft Report and identifies fraudulent information, the credit reporting agency is required to block that information from appearing on the consumers credit file within four business days. TransUnion has failed to : * Properly treat my submission as an identity theft blocking request * Block the fraudulent account as required by law * Conduct a reasonable investigation into my identity theft claim * Prevent the continued reporting of inaccurate information Instead, they have relied on repeated verification from the furnisher without addressing the legal requirement to block identity theft-related information. This ongoing failure has caused harm to my credit standing and has prevented me from resolving the consequences of identity theft. I am requesting that the Consumer Financial Protection Bureau require TransUnion to : 1. Immediately block and permanently remove the fraudulent account from my credit file under FCRA 605B 2. Provide documentation of how this account was verified despite my identity theft report 3. Ensure that this account is not reinserted into my credit file in the future 4. Conduct a proper investigation consistent with identity theft protections under federal law I have attached copies of my FTC Identity Theft Report and prior dispute correspondence as evidence. I expect prompt resolution of this matter and full compliance with 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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I submitted a hardship inquiry on XX/XX/XXXX, before missing any payments, in an effort to proactively address anticipated financial hardship. I returned requested documentation on XX/XX/XXXX. On XX/XX/XXXX, I was informed I did not qualify for a payment plan. On XX/XX/XXXX, I requested information regarding settlement or alternative resolution options and was advised I would receive a response within XXXX business days. I allowed significantly more than that timeframe, including the period through my follow-up on XX/XX/XXXX, which alone exceeded the stated XXXX business day window. No response was provided. On XX/XX/XXXX, I followed up and was advised I would receive a response within XXXX to XXXX business days. That timeframe was also not met. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was repeatedly instructed to allow additional XXXX business day timeframes. Beginning in XXXX, I received further responses extending those timeframes to XXXX XXXX XXXX days. Despite these repeated extensions, no substantive response has been provided. At no point since XX/XX/XXXX has my request for settlement or resolution options been addressed, despite allowing time well in excess of every timeframe provided by the company. I made multiple attempts to resolve this matter proactively before and after my first missed payment. Due to the companys continued delays and lack of response, I have been unable to reach any agreement or resolution. As a result, my account has become increasingly delinquent, has been closed, and is now at risk of being sent to collections. This outcome was preventable had the company responded within the timeframes they provided. I have also repeatedly informed the company that I have a documented hearing impairment and require all communication to be conducted in writing through their secure messaging system. Despite this, the company has continued to direct me to contact them by telephone and has not provided a substantive written response addressing my request. Given the number of communications, the extended timeframes already allowed, and the clarity of my requests, this constitutes a refusal to provide a reasonable accommodation for a documented disability and prevents me from meaningfully engaging in resolving this matter. I am requesting an immediate written response outlining available settlement or resolution options and confirmation that all future communication will be conducted through the secure messaging system in accordance with my accessibility requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc.
State: MI

Complaint narrative:
I was contacted by a company from phone number XXXX claiming I owed a debt. The caller did not clearly identify their company and used vague language. When I spoke with them, the representative was aggressive, raised her voice, and demanded information from me. Before and after contacting me, this company also contacted multiple third parties, including my mother, father, and my boyfriends brother. When they contacted my boyfriends brother, they falsely stated the call was regarding a business opportunity, but when speaking to me they claimed it was about a debt. This is misleading and deceptive. I have already been in contact with this company via email, yet they continue to contact my family members. I requested written verification of the debt and a written agreement stating that payment in full would resolve the debt, but they did not provide this information. I believe this company is engaging in harassment, contacting third parties improperly, and using deceptive practices. I am requesting that they cease contacting anyone other than me and provide proper written verification of the alleged debt. Emails involved from the company : XXXX aarecoverysolutions.com

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I moved out of XXXX XXXX in XX/XX/XXXX and the agreement was that this is a penalty free agreement. I found out yesterday XX/XX/XXXX that I owe money. Today, XX/XX/XXXX, I call the debt collection agency and they said they had no address on file for me so, they sent it to the last known address. They claimed they called me before sending it to collections. Ive checked phone logs and voicemail and havent received calls. Additionally, I received no notice of this debt and they admitted they sent it to the last address.

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 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My account was charged off, but I did not receive a XXXX. If the account was charged, the company took a tax break. I was not able to file as income since I did not receive a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I received multiple calls from Cash net usa.. I had never heard of them, as they sound like a scam site, but recently I received a call from a collection agency ( allign ) referencing them and looked both up. I attempted to call cashnetusa and now they say they can't help because they sold the $ XXXX debt that I never took out to allign.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am formally disputing this alleged debt being reported on my credit file. I requested proper validation of this account, including proof of ownership, payment history, signed agreement, and accuracy of reporting. The company has failed to provide sufficient evidence while continuing to report negative information. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, unverifiable or inaccurate information must be removed. I request immediate investigation and permanent deletion of this collection account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Check Resolution Inc.
State: NY

Complaint narrative:
This company threatened legal action against me and even wage garnishments over the phone. My wage is protected under the Consumer Credit Protection Act. I make under the protected amount each week and each time they have threatened to garnish it if I did not sign up for predatory payment arrangements that they know I can not afford.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 168XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft and request the immediate deletion of the fraudulent items listed below. I did not authorize these accounts, nor did I receive any goods or services from them. I have no knowledge of the perpetrator or the method of the theft. Please advise if further documentation is required to block this information. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7900.00} XX/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 explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my FHA mortgage account while I was on XXXX XXXX and protected under the Servicemembers Civil Relief Act ( SCRA ). I was on XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX, and my account was approved for XXXX benefits. During this time, I understood that my account would be protected, including proper application of interest rate limits and protection from adverse credit reporting tied to my military service. Despite this, the company reported late payments and/or negative account status during my XXXX XXXX period. This reporting is inaccurate and does not reflect the protections provided under XXXX. Additionally, under California XXXX and XXXX XXXX protections, creditors are prohibited from taking adverse credit reporting actions against servicemembers when those issues are related to military service. I made good faith efforts to comply with my obligations and relied on the approved XXXX protections. I also requested clarification and confirmation from the company regarding the application of my XXXX benefits and the negative reporting, but the issue has not been resolved. I am requesting that all negative reporting, including any late payments or delinquency marks from XX/XX/XXXX through XX/XX/XXXX, be removed or corrected immediately. I also request written confirmation that my XXXX benefits were properly applied to my account. Supporting documentation, including my military orders and XXXX approval, is available upon 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 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: AL

Complaint narrative:
I took out a personal line of credit with this company and always made timely auto debited every pay payments. I soon realized I was paying way more than I expected and I was paying XXXX XXXX when most companies charge one monthly bill. I put a stop pay on the debits until I could speak with the company and be provided with the documents proving I agreed to pay this amount. The company has still attempted to debit my account after I revoked authorization and they have made several harrassing phone calls per day using a fake phone id app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding my Destiny credit card application from 2024. I was initially approved and instructed to submit identity verification documents. I followed your instructions exactly and faxed my identification and Social Security information to the number provided. I sent these documents more than once. I was later informed that my documents were never received, and my application was ultimately denied. This is extremely frustrating and unacceptable, as I complied fully with your process and submitted sensitive personal information in good faith. Because of this situation, I have serious concerns about : The handling and security of my personal information The reliability of your document submission process The fairness of denying my application after I followed all instructions I am requesting the following : XXXX A clear explanation of why my documents were not received or processed XXXX Confirmation that my personal information is secure and has not been misused XXXX The opportunity to have my application reconsidered without penalty If this matter is not addressed promptly, I will escalate this complaint to the appropriate consumer protection agencies. Please respond as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : American Express Provided Inaccurate Reason for Credit Decision Based on Authorized User Account I am filing this complaint against American Express regarding an inaccurate and misleading reason provided for denying my request for a credit line increase. American Express stated that I was denied because I am participating or have recently participated in a payment relief or deferral program, receiving modified terms, or credit counseling services. This statement is not accurate as it applies to me. I have never personally enrolled in or participated in any payment relief program, deferral program, credit counseling service, or modified payment arrangement with American Express or any other creditor. However, I was previously listed as an authorized user on a separate account where the primary account holder may have participated in such a program. I am not the primary account holder, I did not request or authorize any such program, and I do not have control over that account. Despite this, American Express appears to have attributed the financial activity or status of another individual to me and used that as a basis for an adverse credit decision. This raises concerns that : - My creditworthiness is being evaluated using inaccurate or improperly attributed information, and- I was provided with a misleading adverse action reason that does not reflect my individual financial behavior. I am requesting that American Express : XXXX. Identify the exact source of the claim that I participated in a payment relief or deferral program. XXXX. Confirm whether this determination was based on an account where I was only an authorized user. 3. Explain why another individuals account activity was attributed to me. 4. Conduct a reinvestigation and reassess my account using only my individual credit profile and behavior. 5. Correct any internal or external records that inaccurately associate me with participation in a hardship or relief program. I am seeking a fair and accurate evaluation of my credit profile and a correction of any misleading or improperly attributed information. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I reported my card lost or misplaced in XX/XX/year>. I was told I would receive a new card within 10 days. I informed the company in XX/XX/year> I did not receive a card. I was told a card had been sent, and it would be cancelled and another card would be sent and I would receive it within 10 days. Again, I never received the replacement card and informed the company of this in XX/XX/year>. Again I was told the card had been sent. Additionally I was told a new card would be sent and I would be receiving a replacement card within 10 days. This scenario repeated 5 times. My last request was on XX/XX/year>, and again I never received a card. I phoned the Company on XX/XX/year> and got the same response- we'll send a new card. I was not satisfied with that answer and asked to speak with a supervisor. I was put on hold and suddenly disconnected within seconds. I verified the company has my correct address. I have a lock on my mailbox. I requested my new card be sent by XXXX and I would sign for it. I was told they only use XXXX. There was no fraudulent activity on my card. I have an excellent payment record with the company. I never missed a payment and pay my balance in full every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
We purchased solar panels from XXXX XXXX XXXX in XXXX. We were promised our electric bill would be {$0.00}. It is {$330.00} a month currently. They went out of business. We paid to have another solar company come out, because the panels were underperforming and they said that there was no way our panel setup could completely cancel out our solar bill. In addition, Mosaic was our loan servicer and they have now filed for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: NJ

Complaint narrative:
Apply for a loan for Siding XXXX for my home at that time i told them that I was NOT satisfied with the work that was done. now many years latter I just found out that they placed a Lien on my home listed it as a Charge off on my credit. Called spoke with XXXX XXXX and asked her for thee letter and the only thing she told me tht she can send me is a Payoff Letter.

Company response to consumer: Closed with explanation