vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 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: TX

Complaint narrative:
Experian responded to my prior CFPB complaint but failed to correct or delete the disputed information and did not provide any documentary proof that a lawful, reasonable reinvestigation was conducted. 

As stated in my original written dispute to Experian , I challenged multiple categories of information including incorrect personal identifiers ( names, addresses, employer, and date of birth ), an unauthorized inquiry, and several accounts reporting inconsistent, incomplete, and non-Metro-2-compliant data. Experians response did not address these issues substantively and relied on generic verification language without evidence. 

Experian did not provide : Copies of documents relied upon to verify accuracy Proof of ownership or responsibility for the disputed accounts Proof of permissible purpose for the disputed inquiry Proof that data was reported in certified Metro 2 format Proof of a manual, reasonable reinvestigation as required by 15 U.S.C. 1681i Several accounts continue to report differently across the credit bureaus, which alone establishes inaccuracy and incompleteness under the FCRA. Experians continued reporting of this data despite notice constitutes a violation of 15 U.S.C. 1681e ( b ) and 1681i.

Experians response failed to rebut the specific defects identified in my dispute, including : Inconsistent account numbers Missing required data fields Conflicting reporting between bureaus Reporting personal identifiers I expressly denied and corrected

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation
State: TX

Complaint narrative:
I am filing this second complaint because Pacific Credit Exchange reported this collection account to my credit report without ever providing me with the legally required written notice before reporting. I never received an initial collection notice, notice of my right to dispute, or any written communication from Pacific Credit Exchange prior to this account appearing on my credit report. That failure alone is a clear violation of federal law. Only after I filed a CFPB complaint did the company attempt to justify its reporting by attaching documents. Retroactively producing paperwork does not cure the fact that the account was reported first and explained later. I have already filed complaints with the Federal Trade Commission and the Attorney XXXX XXXX regarding this conduct. At this point, it is clear that Pacific Credit Exchange chose to ignore its legal obligations and relied on me not enforcing my rights.

Pacific Credit Exchange violated FDCPA 809 ( a ) by failing to provide the required written notice within five ( 5 ) days of initial collection activity. Credit reporting is collection activity. Failing to provide written notice before reporting is a standalone FDCPA violation, and I will be pursuing statutory damages of {$1000.00} for this violation alone. The law does not allow a debt collector to report first and notify later. 

Even after the initial violation, Pacific Credit Exchange continues to report this account without addressing whether the information furnished is accurate, complete, and compliant with the Fair Credit Reporting Act. Their response failed to address whether the reported balance reflects a lawful post-repossession deficiency, whether the resale was properly credited, whether all Metro 2 fields are being reported correctly, and whether the account was reported before validation was ever provided. Collection agencies do not win by simply asserting a balance they must prove accuracy at every stage, and Pacific Credit Exchange has not done so.

Pacific Credit Exchanges conduct constitutes violations of : FDCPA 809 ( a ) Failure to provide required written notice FDCPA 809 ( b ) Continuing collection activity without compliance FDCPA 807 Misrepresentation by omission of required disclosures FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information that can not be verified as accurate FCRA 611 Failure to reasonably investigate disputed information Metro 2 reporting standards Requiring accuracy, completeness, and verifiability

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: 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:
My Capital One credit card was charged with an unauthorized purchase of {$420.00} on XX/XX/year>, by a third-party company called XXXX XXXX XXXX also affiliated with XXXX and this charge is fraudulant in that the hotel I was booking for did not even have the accomodations available for the room in which I thought I was booking on the hotel 's website. Once I received the email confirmation, I called the 3rd party immediately to cancel and they refused due to their " no cancellation '' policy of which I was not informed of until after making the purchase. I tried to dispute this with Capital One, and I submitted a letter of proof from the XXXX and they credit card company stated that was not enough information to dispute. I would like to file a complaint against both XXXXXXXX XXXX ( XXXX XXXX ) and Capital One. Also, I would like to get this resolved and taken off my credit card so it does not affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
XXXX is harassing me on a nearly XXXX XXXX XXXX debt from XXXX. They have sent this to an attorney trying to harass me zarzau and Schwartz pc. Now XXXX has made up a letter saying they mailed me about my dispute rights on XX/XX/XXXX. This is elder abuse which Im XXXX XXXX XXXX with XXXX I am unemployed and having financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/year> a certified request was submitted the LVNV FUNDING LLC under 15 USC 1692 ( g ) to validate the alleged debt of {$2100.00}. It's been over XXXX  days and no response and has still continued to report this debt as mine.

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: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
I opened a checking/savings account with Chime. During the process of opening the account, they discuss a Chime Card, which I understood to be the debit card associated with the account. It was not clear to me that a credit card was being opened for me and I do not feel that Chime received adequate consent from me. I did not click a button that said I was applying, nor did I be made aware that this would reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I did not authorize these transactions also after going over all bank statements and another incident occurred my husband is a joint owner, he is in the early XXXX XXXX XXXXXXXX and did not have the XXXX  capacity to authorize these transactions and appealy they could have been made by him. 2.My card was lost 3. I noticed my card was missing around XX/XX/XXXX. I have no merchandise in my prosession. I am asking for a re investigation on this case

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I qualified for a line of credit of {$850.00} when I moved into XXXX. I used the line of credit to help transition into an occupation that would help me pay it off upfront. Unfortunately Ive been unable to find employment and rely on a fixed XXXX income. After the principal went down to {$550.00} I prequalified for {$300.00} that I could use for food and paying bills. After making payment for XXXX  months I figured Id have enough to pay off the loan amount. Which in total is only {$1100.00} of credit borrowed. They say that Ive borrowed {$2900.00} and that my principal is {$2200.00}. Ive asked for clarity and provide me a daily ledger but they refuse to give me a ledger to show how money is being borrowed. Im good faith to what I believe I should pay. Is only {$350.00} from the XXXX and XXXX I borrowed and be done. I have paid well over the principal I originally borrowed. And because I have not been given clarity that their ledger is even correct. I believe this company should be thoroughly investigated or audited.

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: CA

Complaint narrative:
I made a purchase XXXX for amount of {$190.00}. The item was not as described and was shipped back to merchant as requested. I sent in documents for my dispute on XXXX to citi and also XXXX more times after that. 
They stated they made a mistake and did not see my documents sent in so the time frame for the dispute past and I lost my money and no item. It is not my fault citi did not take care of this matter as I did my part on time and before documents were asked for.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One charged an old bank account that I removed from my payment options. Somehow the system charged my bank, XXXX XXXX, which I removed over XXXX XXXX ago. 

I contacted them and am very unsatisfied with their so called investigation. 
They did not investigate the IP address where the charge came from. All they said is " it was made on the website ''. 

I received overdraft latter 's from the old bank and my payment was late. 
I was also charged late fee which they did remove. 

I would like a full investigation of this fraudulent and unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I apply for a credit card with XXXX commenty bank  first time approved and closed account 2nd time reopened account got approved then I called to ask how I can receive the QR code to make my first purchase before getting my card two weeks later, received a letter in the mail saying that I voluntarily closed my account with no consent no confirmation nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: TX

Complaint narrative:
Please inspect the provided documents ; these inquiries were submitted without warning and may be unauthorized.

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: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Reliant Capital Solutions, LLC
State: AR

Complaint narrative:
I have been receiving repeated unsolicited text messages from Reliant Capital Solutions on XX/XX/XXXX and XX/XX/XXXX ( Exhibit A ). Public records list their address as XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, but XXXX Maps shows this address belongs to XXXX XXXX XXXX XXXX ( Exhibit B ) not Reliant Capital Solutions , LLC. 

No one in my household has received any written notice of any alleged debt. Reliant Capital Solutions has not mailed a required written validation notice, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

During the same period, I also received multiple phone calls from a woman falsely claiming to be an XXXX of the court, stating that a process server had attempted to serve me twice. I have XXXX recordings of these calls available upon request. 

I reviewed and printed a PDF from the XXXX XXXX XXXX  profile for Reliant Capital Solutions ( Exhibits C ). Numerous consumers report that XXXX representatives falsely claim to be from government agencies, including the Attorney XXXX XXXX. 

Last year, I filed XXXX CFPB complaints against XXXX XXXX for myself and XXXX for an elderly relative at my address ( Exhibits E ). XXXX XXXX, also based in the XXXX, XXXX  area, sent similar unsolicited text messages. They responded to the CFPB on XX/XX/XXXX.

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 making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I updated my XXXX phone number. Citibank placed a security alert my my account to prevent me from receiving any XXXX payments. I called in to see why and how long this is going to last. Theyre unable to provide me information on how long this will last. I wanted to file a formal complaint with Citibank. They told me this is a process that they do not offer. She said she could file a complaint over the phone, but could not provide me proof that I called in the complaint or that a complaint was submitted. I believe my account was unfairly targeted even after verifying my information and identity. My account does not state there are any limits for how many people can XXXX me in a day only how much I can receive. Citibank stated they are unable to tell me how to resolve the security alert on my account or how long the security alert will be on my account.

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: 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of unauthorized credit card charges on an account that was issued in my name but never received.

A credit card was mailed to me by Bank of America ; however, I did not receive the card, did not activate it, and was never issued a PIN. I did not authorize any transactions on this account. I specifically disputed only the unauthorized transactions dated XX/XX/XXXX and XX/XX/XXXX. 
Despite my clear and limited dispute, Bank of America improperly included additional transactions dated XX/XX/XXXX ( {$34.00} ) and XX/XX/XXXX ( {$350.00} ), which I did not dispute. I explicitly clarified this and requested the record be corrected. The total, and correct dispute is for {$2300.00}. 
Bank of America denied my fraud claim based on alleged chip, signature and PIN usage. This determination is factually incorrect. This is a credit card account, no PIN was issued to me, and I did not conduct or authorize these transactions. Reliance on PIN/chip usage does not establish cardholder authorization in this case. 
I have a sworn Identity Theft Report through XXXX affirming non-receipt of the card, lack of activation, and lack of authorization. Bank of America continues to deny my dispute without providing proof of card delivery, activation, PIN issuance, or valid signature verification. 
Additionally, Bank of America has reported this disputed and fraudulent balance to credit reporting agencies, thereby tarnishing my credit while the charges remain under active dispute. Reporting disputed, unauthorized charges as valid debt is improper and has caused harm to my credit profile.

I am submitting this complaint in good faith and am requesting regulatory review of Bank of Americas handling of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCEis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
A close family member sent me {$1400.00} through XXXX  using the Friends & Family payment option to help me pay immediate bills and personal expenses. This was not a business transaction, there was no sale of goods or services, and there has been no dispute, chargeback, or fraud claim associated with the payment. 

Shortly after receiving the funds, XXXX  froze and permanently deactivated my account. XXXX  then sent me a generic email stating that my account is not eligible for reactivation due to several concerns but refused to explain what those concerns are, what policy was violated, or how the {$1400.00} is connected to any alleged issue. 

XXXX  further stated that- My funds will be held for up to 180 days Future inquiries will not be answered The matter is considered closed XXXX  is effectively holding my money while refusing to communicate, explain, or provide any due process. 

The {$1400.00} belongs to me and was sent by a family member The transaction was clearly marked Friends & Family There is no dispute, no fraud allegation, and no investigation outcome shared XXXX  has not identified any reason why the funds themselves are unsafe XXXX is holding essential bill money, causing immediate financial hardship XXXX  has refused further communication, leaving me without any reasonable recourse Holding consumer funds for 180 days without explanation or dispute is excessive, punitive, and unreasonable. XXXX  has not demonstrated that retaining my money protects against loss, fraud, or risk. 

XXXX  has : Failed to explain what rule or policy was violated Failed to explain how my family members payment is connected to any concern Failed to provide an appeal or resolution process for the funds Failed to provide a timeline or justification beyond a blanket 180 days This lack of transparency and refusal to engage is unfair to consumers and inconsistent with reasonable financial practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: CA

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 explanation