vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a debt collector 's authority to collect and report an alleged account. The collector has not provided documentation demonstrating ownership of the debt or a valid assignment from the original creditor. Despite lacking proof of legal standing, the collector continues to report the account as owed. Reporting and collection without lawful authority violates FDCPA XXXX and XXXX and constitutes deceptive collections practices. Please remove the following items from my credit report, immediately : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: IL

Complaint narrative:
I receive my payroll check its difficult to use this call to get cash and pay my bill and the freeze my card for week and no one answers the phone for help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found inaccuracies and incomplete information. On XX/XX/XXXX, I sent a letter to Experian requesting an investigation into the completeness and accuracy of my report. However, upon receiving their response, I realized that no corrections had been made, which indicates a potential violation of federal law.According to 15 USC 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy of the information in consumer reports. Despite this legal obligation, the inaccuracies remain unaddressed.Subsequently, I requested a detailed description of the investigation process under 15 USC 1681i ( 7 ), which mandates that credit reporting agencies provide a description of their reinvestigation procedures.Additionally, this account continues to report : XXXX XXXX XXXX - XX/XX/XXXX - I did not enter into any transaction allowing this inquiry, violating FCRA 1681b. - Delete this inquiry because I did not authorize it, per FCRA XXXX XXXX XXXX XXXX - XX/XX/XXXX - I did not enter into any transaction allowing this inquiry, violating FCRA 1681b. - Delete this inquiry because I did not authorize it, per FCRA XXXX XXXX XXXX - XX/XX/XXXX - I did not enter into any transaction allowing this inquiry, violating FCRA 1681b. - Delete this inquiry because I did not authorize it, per FCRA 1681b

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 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
To Whom It May Concern at XXXX : I, XXXX XXXX XXXX, am a federally protected consumer exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the XXXX XXXX Credit Reporting Standards. I have reviewed my XXXX credit report dated XX/XX/year>, and have identified multiple accounts containing inaccurate, unverifiable, and/or non-compliant data that is causing material harm to my credit profile. Under 15 U.S.C. 1681i, XXXX is legally obligated to reinvestigate all disputed items and delete those that can not be verified within the statutory 30-day period. Under 15 U.S.C. 1681e ( b ), XXXX must maintain reasonable procedures to ensure maximum possible accuracy. Non-compliance subjects XXXX to civil liability under 1681n and 1681o.4. XXXX XXXX {$0.00} ( Closed ) Reported : XX/XX/year> Violations : 15 U.S.C. 1681c : Closed accounts with XXXX balance must demonstrate they are within the 7-year reporting window. The original delinquency date and FCRA Compliance Date have not been properly established. XXXX XXXX : Closed date, account condition, and XXXX segment reporting must be accurate and complete for closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and formally request the deletion of the following fraudulent accounts and inquiries from my credit report. I did not authorize these items, nor did I receive any benefit from them. I have no information regarding the suspect or the method of the theft. Please confirm these items have been blocked or specify any additional documentation required. XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$20000.00}, XXXX XXXX XXXX XXXX XXXX BALANCE : {$610.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am the victim of identity theft and I dispute these accounts in their entirety. I did not open or authorize these accounts and I do not owe this debt. Under the Fair Credit Reporting Act, I request that these fraudulent accounts be blocked and removed from my credit report immediately. Please investigate and provide : * Original application or signed agreement * Proof of identity used to open the account * Complete account history * Chain of assignment/ownership * Method used to verify this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
We suffered a total residential fire loss and are actively rebuilding the property. Insurance proceeds related to the loss are being held by the mortgage servicer pending release through the loss draft / hazard insurance process. For approximately the past three weeks, we have repeatedly contacted the servicer for status updates and have promptly provided all requested documentation and information. We have explained that we are rebuilding as owner-builders in order to reduce costs and complete the project within the available funding. We also provided information showing additional financial resources available to support completion of the rebuild, including : * approved SBA disaster loan funds of up to {$500000.00} * additional approved insurance coverage through XXXX XXXX and XXXX XXXX benefits Despite repeated follow-up, the servicer continues to state only that the file is under review and has not identified any specific remaining condition preventing approval, any missing documentation, or any timeline for resolution. The ongoing delay is now interfering with active reconstruction efforts and payment to subcontractors, causing construction disruption, scheduling issues, and increased project costs. We are concerned that the prolonged withholding of insurance proceeds is unnecessarily delaying restoration of the property. We are requesting : 1. Immediate review of the pending disbursement request 2. Clear identification of any remaining conditions preventing approval 3. Expedited release of the insurance proceeds, or alternatively a partial interim disbursement so construction can continue without interruption We have acted in good faith throughout this process and are simply requesting timely servicing, communication, and release of the insurance proceeds needed to continue rebuilding our home after this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
On XXXX XXXX, I tried using my CITI CARD at XXXX XXXX, it was denied. I went to my vehicle and called them. spoke to 2 different people, the last one was XXXX. I was told that it showed I had made a payment of {$2500.00} but they could not verify that they had received it. I got on my bank account, at their request, and told them it went out on XX/XX/year>. I was told I would have to wait until XX/XX/year> to have it applied or give them access to my banking account to verify. I would think that this would be illegal and I refused. How can they have my money for 2 weeks and not give me credit for it or access to my credit card?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Claim # XXXX I purchased items from a company called XXXX XXXX XXXX using XXXX 's services. The items I received were not as described. Due to this issue, I have now filed multiple disputes and attempted to resolve it with all Parties involved, but have been unsuccessful, sadly. XXXX has sent notices to put this transaction on my credit report, forcing me to pay the loan. I would like to formally request the funds back to my account that was provided to XXXX by Capital One. I have been a Capital One Checking account member for over a decade and have not filed many disputes at all. I have requested arbitration verbally and through their case system portal and have been denied the right. I have attempted to contact the merchant, and the merchant has not gotten back to me in a reasonable amount of time. XXXX has denied multiple disputes now regarding these issues. Capital One, if you decide to deny my request, please provide all case evidence to me so I can file a case in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I paid off my auto loan with Ally Financial on XX/XX/XXXX. Ally Financial is reporting a remaining balance of {$420.00} but has not provided any itemized explanation of this amount. On XX/XX/XXXX, I sent a written request via certified mail asking for a breakdown of the balance. I have not received a response. Because this balance remains unexplained, Ally Financial has not released my vehicle title, preventing me from obtaining clear title in Oklahoma. This issue is ongoing and unresolved.

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 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I total loss my XXXX XXXX XXXX last year. I paid for XXXX insurance in case of such situation but they only paid for half of the remaining Balance in oppose to all of it as it was advertised. I was left with a {$2000.00} balance to pay but now on my credit report it is reported as {$3000.00}. I do t think any of this is fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am the victim of identity theft and I dispute these accounts in their entirety. I did not open or authorize these accounts and I do not owe this debt. Under the Fair Credit Reporting Act, I request that these fraudulent accounts be blocked and removed from my credit report immediately. Please investigate and provide : * Original application or signed agreement * Proof of identity used to open the account * Complete account history * Chain of assignment/ownership * Method used to verify this debt

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 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
On approximately XX/XX/XXXX I was sent a notification from Chime that I was already pre approved and able to receive an instant loan of {$200.00}. I tried to collect that loan and was told on the app that my identity couldnt be verified. I brushed it off and was okay with it .. until they emailed me saying i am again pre approved and able to receive this {$200.00} loan. The option was already taken off of my app so I called customer support XX/XX/XXXX to see why my identity couldnt be verified. The chime support member simply just said he was sorry after a long talk then stated and i quote ; he said himself that I would receive a push notification for that loan. I called again a day or so after to see if I was going to receive that loan at any time. He told me that basically he couldnt do anything and again I would sometime receive the loan as a push notification. I emphasized heavily that this loan could help me as I only receive {$820.00} a month from XXXX and with having a XXXX ; my money goes to him. Today XX/XX/XXXX I received a notification that I am able to get a loan up to {$200.00}. They reduced the loan from stating instant {$200.00} to now I can only receive $ XXXX. I went to try to collect that loan because still any money helps. It yet again said my identity couldnt be verified. Ive had to submit my social every time I had to call and I dont see how my identity isnt verified. I feel like this is heavily false advertisement or some sort of sick leading on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
Around XX/XX/year> ordered from XXXX Al XXXX a {$2400.00} new lawnmower. Item arrived around XX/XX/XXXX. Item arrived used, damaged, not working and from a XXXX XXXX and not the XXXX XXXX. I immediately called XXXX XXXX and scheduled a return pick up to send item back for total refund. Return request order # XXXX XX/XX/XXXX. XX/XX/XXXX Affirms sends loan info with cost {$2400.00}. XX/XX/XXXX after pickup delay, XXXX picks up used damaged not working lawn mower that was from Affirm that was delivered by the XXXX XXXX that I did not order from. XX/XX/XXXX Affirms refund processed and XXXX sent {$2300.00}. Affirm needs to dispute with XXXX not I. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my Wells Fargo debit card account and the banks refusal to properly investigate or reopen my fraud claim. I requested a replacement debit card with a new card number. While waiting for the physical card to arrive in the mail, I was able to access the card digitally through my phone wallet. However, the physical debit card was stolen from my mailbox before I ever received it. The individual who stole the card was somehow able to activate the physical card and use it to make unauthorized contactless ( tap ) purchases at a mall near my area. These transactions were not made by me, and I never had possession of the physical card. The unauthorized transactions posted to my account on XX/XX/year> included : {$210.00} {$25.00} {$100.00} There was also an attempted transaction that showed as {$0.00}, which triggered a fraud alert email from the bank, as well as another attempted purchase for {$370.00}. I immediately reported the fraud to Wells Fargo and explained that I never received the physical card. Despite this, my claim was denied. I was later instructed to file a police report in order to have the claim reconsidered. After submitting the police report, I was informed that there was not enough information to reopen the investigation. I believe Wells Fargo failed to conduct a reasonable investigation into this matter. The transactions were clearly unauthorized and occurred after my replacement card was stolen in transit. The fact that the transactions were contactless purchases confirms that someone else had physical possession of the card. I am requesting that Wells Fargo : Reopen and properly investigate this fraud claim Provide documentation explaining how the card was activated and why the claim was denied Reimburse the stolen funds associated with the unauthorized transactions Review any available merchant, activation, or device information connected to the fraudulent activity I am also requesting assistance from the CFPB in ensuring that my rights under the Electronic Fund Transfer Act are properly upheld.

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 monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Affirm Holdings, Inc
State: NM

Complaint narrative:
On XX/XX/year> I obtained a loan from affirm for a purchase at XXXX XXXX, the next day the XXXX at XXXX wrote me an email stating that this item was not eligible for shipping to the XXXX as they are in XXXX. At that time they cancelled my order and I informed Affirm of the return. On XX/XX/XXXX Affirm deducted a {$100.00} payment from my bank account. I filed a dispute and the said I am responsible for this purchase and the loan stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX recieved cash app payment and cash app borrow credit limit goes up XX/XX/XXXX cant transfer funds to apple pay or even send out payments due to closure XX/XX/XXXX - call twice/ first call 4 minutes ( XXXX ) and second call was 5 minutes ( XXXX ) Filed an appeal XXXX XXXX got an email stating they reviewed account and keeping the account closed permanently with no describing issue just terms and agreements XXXX XXXX Called at XXXX XXXX for 13 minutes and the representative ( XXXX ) could not explain why the account was close but still stated that terms and agreements was violated and couldnt transfer me to repayment team. No answer to why account is close, and the reoayment team wants me to mail a check in to repay the money I borrow but then charge late fees cause they process 8-10 days where as if I can add the money straight to my cash app I can repayautomatically and go through same day. My grandmother, father and friends who have androids can only cash app me or XXXX but I like to keep some on cash app and some on XXXX now. Most just keep cash app and not a bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened the Truist business account XX/XX/XXXX using the promotion code XXXX. I made the required direct deposit of {$2000.00} well before the required time of 30 days. The fine print for Truist Offer Eligibility : You must be a new Truist business checking client. To be considered a new business checking client, the business can not have an existing Truist business checking account or have closed a business checking account with Truist within XXXX days prior to the promotion start date ( on or after XX/XX/XXXX ). My last account was in XXXX. It was closed XX/XX/XXXX. Offer Eligibility : You must be a new Truist business checking client. To be considered a new business checking client, the business can not have an existing Truist business checking account or have closed a business checking account with Truist within XXXX days prior to the promotion start date ( on or after XX/XX/XXXX ), Truist is saying now you can't have the bonus if you've received a bonus in your lifetime. There is nothing in the requirements other than what you see above. Nothing in writing states anytime other than what you see above.

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