vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Last reported XX/XX/year> {$2000.00}

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 2026-03-11 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: CA

Complaint narrative:
I reviewed my credit report and noticed that a late payment has been reported on my Capital One credit card account. Based on my records, this reporting appears to be inaccurate and does not reflect the true payment history of the account. I contacted the creditor and requested verification of the reported late payment ; however, the information continues to be reported without proper documentation showing how the payment was determined to be late. The account currently shows a paid status with a XXXX balance, which makes the late payment reporting inconsistent with the account history. Under the Truth in Lending Act and applicable consumer protection laws, creditors are required to maintain accurate billing records and properly investigate billing disputes. I believe the creditor has not conducted a reasonable investigation or provided sufficient documentation to support the reported late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing this complaint regarding the sudden closure of my American Express credit card accounts and the forfeiture of my accumulated Membership Rewards points without explanation. My accounts were closed without prior notice following what American Express described as a routine review. When I contacted the company for clarification, I was informed only that American Express reserves the right to close accounts at its discretion under the Cardmember Agreement. No specific reason or evidence of wrongdoing was provided. At the time the accounts were closed, they were in good standing and all balances were paid according to the terms of the account. Over time I had accumulated a substantial number of Membership Rewards points through legitimate spending in accordance with the program rules. Upon closing my accounts, American Express immediately forfeited these earned rewards and informed me that the points could not be redeemed. The loss of rewards earned through legitimate purchases and program participation has caused financial harm and raises concerns regarding fairness and transparency in how American Express administers its Membership Rewards program.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Validation of Debt Request - PORTFOLIO RC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America violated Regulation E in multiple ways. 1. They refused twice to investigate an unauthorized transaction in the amount of {$3400.00}, claiming I authorized the transaction because the company had my card on file when I did not. They did not open a Regulation E dispute for this transaction at all, which is a direct violation of 12 CFR 1005.11. A financial institution can not refuse to investigate an alleged unauthorized electronic fund transfer. 2. For the transactions they did accept, they only requested a signed affidavit through the mobile app that due to my being in the hospital I did not see fo weeks. They did not request or review any of my evidence nor did they send the request to the mailing address on my account. This does not meet the requirement of a reasonable investigation under 12 CFR 1005.11 ( c ) ( 1 ). 3. They issued provisional credits for {$46.00} and {$780.00} and then reversed them without providing any of the required written notices. I did not receive a written explanation, a written notice of reversal, or information about my right to request the documents they relied on. The only notices were silently placed inside the app without alerting me, which does not satisfy Regulation Es written notice requirements under 12 CFR 1005.11 ( d ). 4. When they reversed the provisional credit, they caused my account to go negative. Regulation E requires the bank to honor any resulting overdrafts and not cause financial harm. Their reversal created a negative balance, which violates 12 CFR 1005.11 ( d ) and constitutes an unfair and deceptive practice. I am requesting immediate regulatory review and correction.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding a CareCredit revolving credit account issued by Synchrony Bank. I am attaching a detailed written statement and supporting documentation that explain the circumstances surrounding the agreement associated with this account. In XX/XX/year>, during what I understood to be an initial XXXX XXXX, I was presented with a process that was described as necessary in order for me to receive or schedule care. During this interaction I disclosed multiple times that I have XXXX and that I was having difficulty understanding the information being presented. Despite communicating this, the process continued quickly and I was reassured that everything was fine to proceed. I believed that I was authorizing a financing option that could potentially be used in the future if I chose to continue treatment. I did not fully understand that charges or financial responsibility could be applied immediately. Afterward, the balance associated with this account increased to approximately {$3500.00}. Following disputes, the balance was reduced to approximately {$1600.00}. Bank statements show that I made payments totaling about {$1600.00} toward the account. Despite this reduction, the account activity and associated credit impact remain unresolved. Because of the circumstances described and the communication barriers related to my documented XXXX, I am requesting review of the validity of the authorization for these charges and correction of any related credit reporting if appropriate. For clarity and full context, I have attached the following documentation : Statement Regarding XXXX XXXX and Agreement Signed XX/XX/year> Financial Impact and Requested Resolution Addendum XXXX evaluation documentation Bank statements showing payments made Email correspondence related to the dispute process I respectfully request that this complaint be forwarded to the company for review and response.

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 2026-03-11 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: FL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
BOUNCE AI is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI 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 2026-03-11 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: NY

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 2026-03-11 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: NC

Complaint narrative:
This company is violating my rights Under 15 U.S.C 1681s-2 ( a ), data furnishers are required to report accurate and complete information. Reporting unverifiable or inaccurta data is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX 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 2026-03-11 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: United Revenue Corporation
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 my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I am a XXXX consumer on XXXX residing in XXXX, Indiana. Ally Bank has committed the following violations regarding my XXXX XXXX XXXX, XXXX XXXX, Agreement # XXXX : I have documented XXXX accommodation requests on file requiring written-only communication. Ally repeatedly refused this accommodation responding only with " call us. '' XX/XX/XXXX Ally made unauthorized contact with my father regarding my account without authorization, violating FDCPA 805 ( b ). XXXX through XX/XX/XXXX I attempted to obtain written clarification on unexplained charges totaling {$630.00} labeled only as " Other Charges '' through every available channel including email, chat, fax, portal messages, and certified mail. I received zero substantive responses. XX/XX/XXXX First repossession. Ally 's agents entered a secured private garage without authorization constituting breach of peace under Indiana Code 26-1-9.1-609. No right to cure notice was provided as required under Indiana Code 24-4.5-5-110. I have police reports on this. XX/XX/XXXX I sent a formal demand letter via mail, fax, messaging portals to Ally Bank citing violations of Indiana Code 26-1-9.1-609, Indiana Code 24-4.5-5-110, FDCPA, TILA, XXXX, and GLBA and demanding a full accounting. No response was ever received despite follow ups. XX/XX/XXXX A medical injury impacted my finances and ability to pay. XX/XX/XXXX XXXX repossession occurred while all formal disputes remained completely unresolved and unanswered. Ally has since terminated the loan and is demanding {$21000.00} in full. XX/XX/XXXX As of today I have received no written notice of disposition of the vehicle as required under Indiana Code 26-1-9.1-614 despite the vehicle being scheduled for auction XX/XX/XXXX. This is a violation of my right to proper notice before sale.

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 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
nreasonable delay in refund processing I refinanced my vehicle loan and the previous loan with XXXX XXXX XXXX was paid off. I had purchased XXXX coverage for {$1200.00} as part of my vehicle purchase contract. After refinancing, the XXXX c overage should have been canceled and the unused portion refunded. It has been more than six months since XX/XX/year>, and I have not received the refund. The dealership has repeatedly told me to wait, but the refund still has not been issued. I am requesting a full investigation and immediate refund of the XXXX cancellation amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I do not believe that this is my debt. I have never received any proof that this is my debt from this company. I have reached out without any correspondence multiple times. I sent a formal request to this debt collector for validation of this debt by asking for these 4 things : 1 ). A copy of the original bill or utility agreement, 2. ) Complete payment history and breakdown of charges, 3. ) Written authorization to collect this debt from XXXX, 4. ) The address used to verify service or billing responsibility. This formal request was sent via certified mail and was received by the debt collector on XX/XX/2025. They did not provide any proof of these items and did not respond in any capacity to my request. I have also attempted to notify the collector via online disputes to ask for debt validation. Although they have never shown any validation or any communication to me, they continue to report this factious and incorrect debt as an open collections on my report. Attached for documentation, I have provided - The Certified mail receipt & Tracking #, The tracking results from USPS showing when it was received, A copy of the letter sent, a screenshot of the debt still reporting factiously and incorrectly, and a copy of my XXXX report from today showing it still effecting my report, score and life as a whole. I am willing and able to provide any other documentation, including but not limited to, the reports from all 3 bureaus ( as it is reporting on all 3 bureaus without verification of the debt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: TX

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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation