vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I intended to complete only one balance transfer of approximately {$2300.00} from XXXX XXXX XXXX to my XXXX account, since this is the total amount I owed and only one transfer was needed. However, multiple balance transfer attempts appear to have been processed unintentionally, resulting in duplicate or conflicting transactions between XXXX XXXX XXXXXXXX and XXXX. XXXX confirmed in chat that a balance transfer was posted on XX/XX/year> and sent to the creditor on that date, and I was advised to allow approximately 8 calendar days for processing. However, the final outcome does not match across both institutions. One transfer was canceled, one amount was returned to XXXX XXXX XXXX, and yet anapproximately {$2300.00} balance still appears on my XXXX account. Since XX/XX/year>, I have contacted both XXXX and XXXX XXXX XXXX multiple times by phone and chat to resolve this issue. I was repeatedly told by each institution to contact the other, and the issue has not been resolved. In XX/XX/year>, I also visited a XXXX XXXX XXXX branch in person. A representative assisted me and provided a confirmation/reference number after contacting customer service, but the issue remains unresolved. As of now, I continue to see an approximately {$2300.00} balance on my XXXX account that appears to be incorrect or duplicated due to processing issues, despite only intending to complete a single transfer for the full amount owed to XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
The mortgage company failed to pay taxes for XXXX and my property was sold at tax sale XX/XX/XXXX. I have been trying to remedy this situation ever since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I would like this dispute it and removed off my credit report it is affecting my credit score due to an accurate information I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX. I am refiling my complaint against XXXX originally submitted under Complaint Number XXXX, due to the company 's failure to provide a substantive response to my dispute regarding inaccuracies on my credit report. My date of birth is XX/XX/year>, and my Social Security Number ends in XXXX. The account in question, with the number ending in XXXX, is inaccurately reported as 'Charge-Off ' on my XXXX XXXX XXXX credit reports , despite having a balance of {$0.00}. In my original complaint, I clearly outlined that these inaccuracies have severely impacted my credit scores, which are currently reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This erroneous 'Charge-Off ' status is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reporting agencies and furnishers, such as XXXX, ensure the maximum possible accuracy of the information they report. Furthermore, XXXX 's failure to conduct a reasonable investigation into my dispute is a direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to investigate disputes forwarded by credit reporting agencies. The company 's response to my initial complaint was wholly inadequate, as they provided 'No substantive response. ' This lack of engagement demonstrates a pattern of non-compliance with statutory obligations under the FCRA. The absence of a thorough investigation and the failure to correct the inaccuracies in my credit report constitute negligence under 15 U.S.C. 1681o, and potentially willful non-compliance under 15 U.S.C. 1681n. I am now providing all necessary information, including my full name, address, date of birth, and partial Social Security Number, to address any claims by XXXX that they lacked sufficient information to verify my identity or the account details. I demand that XXXX immediately delete the erroneous 'Charge-Off ' status from my credit reports with XXXX XXXX XXXX XXXX and cease any reporting of this inaccurate information. Given the company 's failure to comply with the FCRA and their inadequate response to my initial complaint, I request the Consumer Financial Protection Bureau ( CFPB ) to initiate enforcement action against XXXX I reserve my rights to seek damages under 15 U.S.C. 1681n for willful violations and 15 U.S.C. 1681o for negligent non-compliance. I also request that the CFPB refer this matter for enforcement action to ensure XXXX adheres to their legal obligations in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: KY

Complaint narrative:
My Citi XXXX XXXX credit card ( current account ending XXXX ) refuses to honor its own written XXXX Fraud Liability policy for my purchase of an allegedly certified refurbished XXXX XXXX. On XX/XX/2024, I paid {$770.00} via my Citi credit card to purchase a used XXXX XXXX from a third party vendor, XXXX XXXX XXXX in Texas. Vendor advertised the mattress was slightly used for XXXX weeks or less and returned to the manufacturer XXXX to be cleaned, inspected, refurbished and certified to be sold again at a discount. Approximately a year later, I contacted XXXX due to problems with the mattress. XXXX stated vendor defrauded me as it does not refurbish or resell used mattresses. XXXX instructed me to file a fraud claim with Citi card which I did. I also attempted to contact the vendor to request a refund and to return the mattress due to fraud. Citi 's dispute department employees said the amount of time since the initial purchase was not a factor in the dispute processing as it is common for customers to learn of fraud and deception months afterwards. Citi employees said the only matter is proving the fraud. Citi mailed me a fraud dispute form and requested documentation and a signed narrative which I returned via email. Subsequently, in a phone call, a Citi dispute employee confirmed Citi received everything it needed to process my fraud claim and it would be resolved in my favor. But, another Citi dispute employee later stated dispute was closed against me as too late. I never received a letter with the dispute outcome. I asked for a copy of Citi 's internal written policies that give fraud claim filing deadlines and/or any other written policy Citi based its final decision upon. Citi 's written XXXX XXXX XXXX written policy that it advertises on the internet and in marketing and advertising to customers does NOT state there is a time limit to file a fraud claim. Again, XXXX Citi dispute employees told me in recorded phone calls that I was not time-barred from filing this claim. Citi simply does not want to honor its own policy and cover this fraud transaction. To date, Citi has not responded to my request for its written policies and it still has not sent me a dispute outcome letter.

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 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: IN

Complaint narrative:
I am filing a complaint against CreditFresh regarding concerns about the accuracy, transparency, and validation of my account balance and fees associated with my account. On or around XX/XX/XXXX I opened an account with CreditFresh. I made {$190.00} payments toward the account totaling approximately {$2300.00} During this time, I noticed a significant portion of my payments appeared to be applied toward fees and finance charges rather than principal reduction. On XX/XX/XXXX, I contacted CreditFresh requesting a full payment history, a breakdown of fees versus principal, validation of the reported balance, a copy of the original signed agreement, and documentation showing proof that I agreed to the fee structure and terms. As of XX/XX/XXXX, I have not received a response/ received incomplete documentation / concerns remain unresolved. My Concerns : I believe the company has failed to adequately validate the balance being reported and has not clearly explained how payments were applied. I am concerned about : Excessive fees and finance charges Lack of transparency regarding payment allocation Failure to provide requested account documentation Potential inaccurate reporting to credit bureaus Lack of clear proof showing my agreement to the fee structure and account terms Resolution Requested : I am requesting that CreditFresh : Provide a complete payment history Provide a detailed breakdown of principal, fees, interest, and all charges Provide a copy of the original signed contract/agreement Provide documentation validating the current balance being reported Correct any inaccurate credit reporting if applicable Conduct a full investigation into the account and provide written findings I am requesting assistance from the CFPB to help ensure this matter is properly investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I opened a Capital One 360 account specifically because I was under the impression that I could open and use the account without a physical ID. The account was successfully opened and my first paycheck was accepted and deposited without any warning that I would later lose access to my funds due to additional identification requirements. I am currently rebuilding my life after experiencing homelessness and do not currently have access to all of my personal documents. This paycheck is extremely important for basic living expenses and stability. I can provide alternative verification methods, including employer verification, my Social Security number, pay information, and other supporting information if needed. Had I been clearly informed beforehand that access to my deposited wages would be restricted without a physical ID, I would have chosen a different banking option before depositing my paycheck. I am requesting that Capital One provide reasonable alternative verification options and work with me to restore access to my payroll funds as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
This information is inaccurate it is affecting my credit score and my credit report I would like it removed due to I was a victim of identity

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Perpay, Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, I purchased an XXXX XXXX XXXX dresser ( ID # XXXX ) through Perpay XXXX. I entered into a payment agreement and was charged for the specific item listed at the time of purchase. Upon delivery, I received a different, lower-quality dresser packaged in an XXXX XXXX box. The item delivered does not match the product description, model, or value of the item I purchased. This constitutes a delivery of goods not as described and a failure to fulfill the terms of the transaction. When I initially reported the issue, Perpay denied my return request without conducting a full investigation of the claim. Only after I indicated that I would escalate the matter and dispute the charges through my payroll department did Perpay request additional information. Following this, Perpay submitted a return claim categorizing the issue as defective, rather than acknowledging that the incorrect item was shipped. The original product listing is no longer available, which prevents verification of the original advertised specifications. Despite the dispute regarding the item delivered, I am still being required to continue making payments while the issue is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: Experian Information Solutions Inc.
State: MD

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 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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was a victim of identity theft this is affecting my credit score I would like this removed off my credit report due to the fact that it is unaccurate please dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XX/XX/year> Lvov funding loc was opened and added to my credit in the amount of XXXX unknown to what or whom this company is disputed several times and nothing. This harming me causing unnecessary stress damaging my mental health at home and work. Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from mycredit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Oquirrh Mountain Law Group, P.C.
State: VA

Complaint narrative:
I havent used my Creidt and theres so much on there

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is a continuation of Complaint XXXX. I am submitting this complaint regarding Barclays Bank Delaware and a fraudulent Gap Barclays credit card account that was opened using my identity. This complaint relates to a prior CFPB complaint I previously submitted, however significant new developments and contradictory determinations have occurred since Barclays earlier response. After months of disputes, Barclays sent me written correspondence dated XX/XX/year> stating that I did not submit or authorize the application associated with this account and that Barclays had instructed the credit bureaus to remove the account from my credit reports. Following that determination : The Barclays account was removed from XXXX and XXXX The account does not appear on XXXX Barclays externally treated the account as unauthorized/fraudulent However, despite this written fraud determination and deletion from the credit bureaus, Barclays later sent me additional letters contradicting their prior findings and claiming the account was valid and authorized. Additionally : Barclays has continued sending billing and payment-related emails claiming missed payments Barclays own security department informed me by phone that the account was closed but had not actually been internally coded as fraud Barclays has repeatedly used inconsistent and incorrect versions of my legal name throughout this process, despite this matter involving identity verification and fraud investigation procedures This situation has now gone on for approximately one year. I am extremely concerned that Barclays internal systems and investigative findings are inconsistent and contradictory. Barclays has simultaneously : acknowledged the account as unauthorized, removed it from my credit reports, continued billing communications, and later reversed its position.

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 2026-05-13 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: U.S. BANCORP
State: OK

Complaint narrative:
I requested a credit service with XXXX to which I was referred to Elan XXXX XXXX. I was given the {$300.00} limit, and I paid for it in full on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was not given any information besides the fact that the credit processes would be placed under a * secured card. Months later, I was sent a letter from Elan XXXX XXXX, stating that I owed money that I already paid for. Firstly, I called the XXXX, and I was directed to Elan ; a voice machine stated that they had no information on the card number that I had provided- let alone, the last 4 digits on the card I had was invalid. I grew suspicious immediately, and I chose to not take any more actions. I called them days later, as I saw the credit score on my account decreased by XXXX of points, indicating that they were using a maddening scheme and a rather demonic tactic at that. When I called them days later, their explanation to why they were charging me on a credit card that I had already paid for was simply because I was supposed to treat the card as if it was an * unsecured card, so they had lied about the advertising process. I was absolutely assured that their tactics were, indeed, demonic and maddening after all. Not only am I sent deceiving and manipulative letters- they are hoping that I am vulnerable enough to partake in their contorted narrative with the help of Fidelity XXXX ; this is truly the era for dark intelligence, and it is very much unfortunate that the world, does, indeed, get darker for them.

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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Posted an ad on XXXX for a XXXX XXXX XXXX. Was contacted by a man & his wife. Used XXXX and a business account to defraud. Following emails were used : Husband was : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Following bank info was provided : Routing # XXXX Account # XXXX Receiver Name : XXXX XXXX XXXX Receiver XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 non-monetary relief