vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
RE : FORMAL DISPUTE OF INACCURATE CREDIT REPORTING Furnisher : XXXX XXXX XXXX XXXX XXXX Account # : XXXX To Whom It XXXX Concern, I am writing to formally dispute the accuracy and completeness of the above-referenced account as it is currently being reported on my consumer credit report. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 
The furnisher, XXXX XXXX XXXX XXXX XXXX, has failed to provide documentation validating this alleged debt or the amount claimed despite prior written requests. As such, the information being reported is inaccurate, incomplete, and can not be verified as required by federal law. 

DISPUTE BASIS : The account has not been properly validated The reported balance is inaccurate and unverified The furnisher failed to provide documentation supporting ownership or amount Continued reporting of this account constitutes false and misleading information Under XXXX U.S.C. XXXX ( b ), once a dispute is received, the furnisher is required to conduct a reasonable investigation and provide competent evidence to verify the accuracy of the information reported. If the information can not be verified, it must be deleted. 

METHOD OF VERIFICATION DEMAND If this account is verified, please provide the method of verification used, including : The name, title, and contact information of the person who verified the information The specific documents relied upon to verify the debt and amount The date the verification was completed How the furnisher verified ownership and accuracy of the account Failure to provide a proper method of verification or continued reporting of unverified information constitutes noncompliance with the FCRA. Continued reporting of unverified or inaccurate information after notice constitutes false reporting and unlawful collection activity. 
Please complete your investigation within the time period required by law and provide written confirmation of the results. If the account can not be verified, it must be promptly deleted from my credit file. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX : I opened dispute XXXX with Citi against XXXX for $ XXXX I had not received an item I ordered and was not getting a response from the merchant. 

XX/XX/XXXX : Received the merchandise from XXXX XX/XX/XXXX : I withdrew my dispute as I received the item and opened the dispute originally for not receiving it and believed that the matter was resolved XX/XX/XXXX - XX/XX/XXXX : Noticed that the item received was not in working order/as described and reached out to the merchant to request a refund and submitted evidence showing the issue which the merchant rejected. 

XX/XX/XXXX : Called Citi to open a new dispute as the item I received was not as described. Was told that Citi would reopen my dispute and change the dispute type XX/XX/XXXX : Called Citi as the dispute did not appear to be reopened and attempted to open a new dispute. Representative that I spoke with stated that they would reopen the original case and would change the type of dispute. I was instructed to submit supporting documents to XXXX and to include the dispute number XX/XX/XXXX : I submitted all the evidence that I had showing the merchandise I received was not in working order and the response I received from the merchant denying my request for refund. 

XX/XX/XXXX : I received a letter from Citi stating that I was not allowed to reopen my dispute and would have to work it out with the merchant. 

The reason why I attempted to open a new dispute ( or reopen the original dispute and change the dispute reason ) because the merchant was refusing to work with me and resolve the issue. I do not see anywhere in my credit card agreement where I was not able to open multiple disputes on a transaction if they are for different reasons. In the agreement it states that I am not responsible for fraudulent transactions ( which I consider this to be since the merchant did not deliver the item as described/in working condition ). I believe that Citi is in violation of their own agreement for refusing to open a new dispute for a different reason on a charge just because I opened a previous dispute. Both disputes are for valid reasons

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I received a CashApp card in the mail thanking me for opening an account. I never opened an account with CashApp. Someone opened a fraudulent account in my name. I called the company immediately to report the fraud. They did not proceed with closing the account. I also filed a complaint with the FTC. 
Today, XX/XX/XXXX, I received a XXXX from CashApp 's parent company, XXXX XXXX XXXX Again, I never had an account with them, reported the fraudulent account almost a year ago, and yet nothing was done. When I called the company about the fraudulent account and now XXXX, they again told me they would " look into it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Inaccurate Late Payment Reporting Following Pre-Delinquency Hardship Agreement and Autopay Failure.

To Whom It May Concern, I am submitting this complaint regarding Discovers reporting of late payments on my personal loan account, which does not accurately reflect the circumstances under which the alleged delinquencies occurred.

Summary of the Issue : In early XXXX, before any payment was late, I proactively contacted Discover to notify them of a temporary financial hardship. During that conversation, a Discover representative and I agreed to an alternative payment arrangement, which lowered my required monthly payment while the hardship continued.

At all relevant times, automatic payments remained enabled on the account. I did not disable or suspend autopay, and I reasonably relied on Discovers systems to draft the agreed-upon payment amount under the modified terms.

Despite this, Discover later reported late payments on the account to consumer reporting agencies.

Why the Reporting Is Inaccurate and Misleading. The reported late payments do not reflect borrower neglect or failure to pay.

Rather, they appear to stem from : By reporting these payments as late without acknowledging the hardship agreement and continued autopay authorization, Discover has materially misattributed fault to the borrower, rendering the reporting misleading even if Discover claims technical accuracy.

Applicable FCRA Obligations : Discovers reporting raises concerns under the Fair Credit Reporting Act, including : A reasonable investigation would require Discover to review : Requested Resolution.

I respectfully request that Discover remove from my credit reported the four late payments in report for XXXX and XX/XX/XXXX, and XXXX and XX/XX/XXXX. 

I appreciate your prompt attention to this matter and request written confirmation once corrections are completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
A debt collector, XXXX XXXX XXXX, is attempting to collect and report a XXXX XXXX XXXX that does not exist. I contacted PayPal directly and they confirmed I have never had any PayPal loan, PayPal Credit, or similar account. Despite this, XXXX XXXX is reporting this to credit bureaus. They can not provide a signed contract, account records, or proof that PayPal assigned this debt to them because the account does not exist. I disputed this with the credit bureau and requested validation from the collector. This is inaccurate reporting under the FCRA and an attempt to collect a debt not owed under the FDCPA. I am requesting immediate deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for and was approved for the Capital One XXXX XXXX Credit Card on XX/XX/year>. I applied specifically through an offer advertising XXXX bonus miles after spending {$500.00} within the first three months. 

I met the spending requirement on my first billing statement ( XXXX ), with over {$1100.00} in eligible purchases. 

When the bonus did not post, I contacted Capital One. A customer service representative and a supervisor both told me my account was not eligible, but they were unable to explain why or verify the acquisition offer tied to my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX contacted LoanCare , LLC regarding a letter received, regarding a shortage in the escrow account. Spoke with a Rep. at customer services which explain reason for the escrow shortage. which stated my property taxes went up. advise that was incorrect. She then stated to send a copy of the property taxes bill online. Received a notice it was received. Called again spoke with XXXX who stated the same. Then asked to speak to a supervisor a XXXX not sure if it was a supervisor. She reviewed my account stated it had nothing to do with my property taxes. It had to do with analyses report. When asked if there was a shortage how did they pay my home insurance. Next thing I was transfer to a survey call. I have been given the run arounds with this company and incorrect information. I had contacted my tax collector was told my taxes decreased and my home insurance. Need help as bad communication and incorrect analysis report. As well my mortgage was transferred to this company.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MA

Complaint narrative:
XX/XX/year> NEW COMPLAINT U.S. XXXX XXXX keep REJECTING ACH TRANSFER ( since XXXX XXXX-to-date ) U.S. XXXX XXXX card to XXXX XXXX XXXX XXXX XXXX ( XXXX ) account. Most recently XX/XX/year>. I called and recorded conversation with U.S. XXXX XXXX representative to ensure step-by-step proper information was being submitted to correct email & U.S. XXXX XXXX STILL DENIED my MA drivers license and signed letterhead from XXXX verification  to email address : XXXX ; I even CC XXXX as well. I am resubmitting my Bank letter and MA Drivers License both side again on XX/XX/year> Monday @ XXXX hrs ET___XXXX. XXXX XXXX screenshot for my records

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RE : FORMAL DISPUTE OF INACCURATE CREDIT REPORTING Furnisher : XXXX XXXX XXXX XXXX XXXX Account # : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the above-referenced account as it is currently being reported on my consumer credit report. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
The furnisher, XXXX XXXX XXXX XXXX XXXX, has failed to provide documentation validating this alleged debt or the amount claimed despite prior written requests. As such, the information being reported is inaccurate, incomplete, and can not be verified as required by federal law. 
DISPUTE BASIS : The account has not been properly validated The reported balance is inaccurate and unverified The furnisher failed to provide documentation supporting ownership or amount Continued reporting of this account constitutes false and misleading information Under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, the furnisher is required to conduct a reasonable investigation and provide competent evidence to verify the accuracy of the information reported. If the information can not be verified, it must be deleted. 
METHOD OF VERIFICATION DEMAND If this account is verified, please provide the method of verification used, including : The name, title, and contact information of the person who verified the information The specific documents relied upon to verify the debt and amount The date the verification was completed How the furnisher verified ownership and accuracy of the account Failure to provide a proper method of verification or continued reporting of unverified information constitutes noncompliance with the FCRA. Continued reporting of unverified or inaccurate information after notice constitutes false reporting and unlawful collection activity. 
Please complete your investigation within the time period required by law and provide written confirmation of the results. If the account can not be verified, it must be promptly deleted from my credit file. 
Sincerely,

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 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint regarding an auto loan originated on XX/XX/2025, through XXXX XXXX ( Seller Number XXXX ) and currently serviced by XXXX. 

Vehicle : XXXX XXXX XXXX XXXX XXXX VIN : XXXX XXXX  Loan Number : XXXX Deal Number : # XXXX Customer Number : # XXXX Summary of Issues This loan was originated through misrepresentation, false limitation, steering, and lack of informed consent. Subsequent servicing failures by XXXX  compounded the harm. 

Origination Misrepresentation and Steering During the sales process, the salesperson, XXXX XXXX, stated that my credit was not sufficient, that I did not qualify for a lease, and that I could only be approved if I accepted financing with specific add-on products. This was justified by claiming my credit depth was insufficient. 

This was false. The dealership knew my XXXX  credit score was XXXX, which is excellent and typically qualifies for both leasing and standard financing. I was intentionally steered away from a lease into an XXXX finance contract. 

Add-On Product Packing Multiple optional products were added without proper explanation and were falsely represented as mandatory for approval : {$4900.00} Vehicle Investment Protection Contract {$1100.00} XXXX  Contract ( EquityProtect ) {$790.00} XXXX XXXX  Agreement {$590.00} XXXX XXXX XXXX Plan Additional insurance-related charges and fees I am a non-native English speaker. These products were not explained, and I was pressured to sign under time constraints, being told the dealership was about to close. 

Financial Harm Vehicle price : {$44000.00} Loan principal : {$54000.00} Term : 84 months Monthly payment : ~ {$970.00} ( approximately triple the normal lease payment of ~ {$300.00} ) Financing vs Lease Overpayment since loan inception : ~ {$6000.00} Optional add-ons Overpayment : ~ {$8000.00} In XX/XX/2025, I made a {$17000.00} principal prepayment. Despite this, my monthly payment remained unchanged at {$970.00}. I was never informed that prepayment would not reduce my payment, nor was re-amortization explained or offered. This caused continued financial harm, as the effective APR is over 30 %.

Dealer Pressure After Sale After requesting an itemized add-on list and asking to communicate only via email, the dealership contacted me by text and phone, adding further pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had been sick in bed for two days and was unable to make my payment on the due date of XXXX. As soon as I was able, I called Comenity on XXXX to inform them I was making the payment, paying the balance in full, that I'd been very sick and was concerned about late fees and interest. The representative stated there were neither late fees or interest on the account. The representative further stated that if there were any late fees and/or interest on my next statement, to call and have them waived. 
When I received the next statement, there was a {$30.00} late fee and da {$2.00} paper statement fee. I called Comenity on XXXX advising of my conversation with the representative on XXXX. The representative stated that only {$15.00} of the late fee could be waived. I told the representative that when I called on XXXX, I was told to call and have the late fee and any interest waived. The representative I spoke with on XXXX never stated there would be a partial credit of the late fee. I told the representative I spoke with on XXXX that I would not pay any portion of the late fee. Additionally, I advised the representative I was not aware of the {$2.00} paper statement fee. When I requested the paper statement, I was not informed there would be a fee for that. I requested the paper statement fee be reversed, change back to paperless statement and the representative stated that fee would be credited back to my account and the statement would be changed to paperless. 

I have emailed them twice and spent numerous hours on the phone and Comenity states " there is no way to reverse the {$15.00} late fee. '' This is not true and I've stated as much. 

My original balance was {$300.00}. I paid the balance in full XXXX. The latest statement dated XXXX has a balance of {$110.00}. This balance reflects the original remaining {$15.00} late fee balance + interest + late fees + paper statement fees. Interestingly, the late fee $ amount increases on every statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my busssinesss account suddenly i couldnt make deposit and transctions, i couldnt run my bussiness as normal in couple days until i open another bank account, and bank of america didnt send me the remaining fund by a Cashier chek no matter howi calll them took couple hours a day to call, thing didnt get solved, they transfer me around and around from this department to another one, and finaly told to wait because internal department is handing which they didnt, and this department doesnt have phone number, idont know if bank of america lie or anything , they just steal the money for no reason.

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I sent two XXXX payments totaling {$3000.00} to an individual/business for credit repair services. The payments were sent from my Navy Federal checking account and were authorized for the purpose of receiving professional services.

I was told at the time of payment that I would begin seeing results within approximately three weeks. Between XXXX and XX/XX/year>, no measurable services were performed and no documentation, filings, or proof of work was provided. 
I repeatedly contacted the merchant requesting status updates, documentation of services rendered, and confirmation of work performed. The merchant admitted delays, cited internal issues and a government shutdown, but still did not provide any evidence of services rendered. 
I formally requested a full refund for services not rendered. The merchant did not issue a refund and later removed me from communication channels, effectively ending contact without resolving the issue. 
I contacted Navy Federal to dispute the transactions for services not rendered. Navy Federal declined to open a dispute, stating that XXXX transactions are treated as cash and can not be disputed, despite the payment being made for paid services that were never delivered. 
I am filing this complaint because I paid for services that were not performed, requested a refund that was refused, and my financial institution declined to investigate or provide a dispute process for this transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I XXXX XXXX, got scammed out of my earned money by a person on XXXX XXXX  on XX/XX/year> for a total amount of {$160.00}. I was promised by the seller that they would be shipping my merchandise after I sent the payment, but instead a few hours after the payment was sent through XXXX, the seller blocked me on both XXXX and XXXX. The item was never sent and the scammer took my money. 

To try to fix this, I thought disputing this scam with both my bank and XXXX would help me get my money back, but no, both of my claims were denied. My bank which is WellsFargo denied my chargeback claim and XXXX denied my scam claim. I have not received any help regarding this incident and I am looking for a solution.

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