vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 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: TX

Complaint narrative:
In XX/XX/XXXX, I opened XXXX dispute cases with Capital One totaling {$25000.00} against merchant XXXX XXXX XXXX ( Cases XXXX {$13000.00} on XX/XX/XXXX, and XXXX {$12000.00} on XX/XX/XXXX ). I am a XXXX XXXX service-connected XXXX XXXX XXXX XXXX XXXX property was damaged by a federally declared disaster. These payments were funded entirely by an XXXX disaster home loan under XXXX Major Disaster Declaration XXXX. The merchant deliberately targeted me during disaster recovery, misrepresented himself as the direct service provider, concealed that he subcontracted XXXX XXXX of the work to a third party, collected {$25000.00}, and paid that subcontractor nothing. His own written admissions dated XX/XX/XXXX confirm this. XXXX XXXX XXXX XXXX XXXX opened XXXX # XXXX, now referred to the XXXXXXXX XXXX The project remains unresolved the subcontractor has not been paid and is pursuing a mechanic 's XXXX against my home as a direct consequence of the merchant 's fraud. I have submitted over XXXX pages of documented evidence to Capital One including the merchant 's own written admissions, a signed subcontractor statement, payment records, communications demonstrating the concealment of the subcontract relationship, and the active criminal case number. Both cases were closed against me with the statement that my response " lacks all of the previously requested information. '' Capital One has never specified what is missing, never acknowledged the active criminal case, and has not considered that fraud fundamentally shrouded these transactions from inception. A cancellation framework was applied to a fraud-induced payment claim, preventing XXXX pages of fraud evidence from being evaluated on its merits. A disabled veteran 's federal disaster recovery funds were fraudulently obtained by a merchant who exploited my vulnerability during active disaster recovery. Capital One 's repeated process failure has left me exposed to a home lien I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TX

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 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, a T-Mobile retail store representative told me that adding a third line to my account would reduce my monthly bill from approximately {$120.00} to {$80.00}. I have limited English proficiency and trusted the representatives explanation. Instead, my bill increased to over {$200.00} per month. I contacted XXXX customer support by phone and in writing to dispute the charges but received no resolution. Because the charges resulted from misrepresentation by a XXXX employee, I did not pay the inflated balance. XXXX cancelled my account on XX/XX/XXXX and transferred a balance of {$510.00} to a debt collection agency ( Source Receivables Management , LLC ). My XXXXXXXX invoices confirm that XXXX extra lines ( XXXX ) XXXX and ( XXXX ) XXXX were added without my informed consent and were later marked Removed. The debt of {$510.00} is a direct result of XXXX deceptive sales practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I am submitting this complaint regarding the wrongful closure of my bank account by Valley Bank. A few years ago, I opened and maintained an account in good standing. I deposited a legitimate {$500.00} check and conducted all activity in compliance with the account agreement. I did not engage in any fraudulent, suspicious, or prohibited transactions. Despite this, my account was abruptly closed without clear explanation, justification, or an opportunity to remedy any alleged issue. When I attempted to seek clarification at the branch level, I was met with dismissive and unprofessional treatment. Based on the interaction, I believe I was subjected to discriminatory treatment, including behavior that I perceived as racially biased. Valley Bank failed to : Provide a clear reason for the account closure Offer an opportunity to respond or correct any concerns Treat me with fairness and professionalism during follow-up inquiries Why this is wrong This conduct raises serious concerns regarding : Lack of transparency in adverse account decisions Potential violations of fair banking and consumer protection standards Discriminatory treatment at the branch level Banks have a responsibility to act in good faith and provide clear communication when restricting or terminating customer relationships. The handling of my account closure fell far below these standards. Impact on me The sudden closure of my account caused : Financial disruption Loss of access to banking services Emotional distress due to the way I was treated Additionally, being treated in a discriminatory and dismissive manner has had a lasting negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX and XXXX, I attempted to pay the {$120.00} Global Entry application fee on the official XXXX XXXX and Border Protection ( XXXX ) website using my American Express card to utilize the advertised statement credit benefit. The transaction was immediately reversed/declined. I contacted XXXX XXXX, and they claimed the reversal was initiated by XXXX. However, in the same browser on the same phone, I used a card from a different financial institution and the {$120.00} transaction was processed successfully without issue. By technicality or error, XXXX XXXX blocked this specific transaction, which effectively prevented me from accessing a core benefit of my account. Because I was forced to use a different card due to XXXX failure, I am now unable to receive the {$120.00} credit I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am writing to formally dispute charges and report fraudulent and deceptive practices related to an account opened in my name by XXXX XXXX XXXX. In XX/XX/year>, I attended a sales presentation in XXXXXXXX XXXX for Ascendant Holiday Travel. During the presentation, I clearly informed the representative that due to financial constraints, I could not afford payments exceeding {$200.00} per month. I was assured that, based on my credit, they could accommodate this request. I was then presented with a document that was described to me as an authorization for a monthly payment to be charged to my credit card. At no point was it clearly disclosed to me that I was applying for or authorizing the opening of a new credit card account or incurring a substantial line of credit. Upon returning home, I received a welcome call. During this call, I asked for clarification regarding the travel services I had purchased. I was then informed that the program did not provide actual trips, but instead offered points to be used toward travel. This directly contradicted the representations made during the sales presentation. At that time, I immediately requested cancellation of the account due to being misled. My request was denied. Shortly thereafter, I received a credit card in the mail that I had never activated, showing a balance of approximately {$13000.00}. I contacted Barclays to report this issue, and although they initially investigated, I was ultimately told that I was responsible based on a signed document. After continued disputes they closed the credit card but the balance is still on my credit. However, I maintain that my signature was obtained under deceptive circumstances, without full disclosure of the nature of the agreement or the credit being extended. Despite filing multiple complaints and requesting cancellation on several occasions, the company has refused to cancel the account and continues to report late payments on my credit report, causing ongoing financial harm. I am formally disputing this account and all associated charges on the basis of : Deceptive and misleading sales practices Failure to clearly disclose the opening of a credit account Unauthorized or improperly authorized credit obligations Refusal to honor cancellation requests I am requesting the following : Immediate cancellation of the account Removal of all charges and associated balances Correction and removal of any negative credit reporting related to this account Please confirm receipt of this complaint and provide written documentation of the actions taken to resolve 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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: GA

Complaint narrative:
b'I am filing this complaint against Aspen National Collections regarding an alleged debt related to a XXXX XXXX XXXX account.\nIn XXXX, I contacted XXXX XXXX directly to request financial hardship assistance. I was told no hardship options were available. I received no follow-up, no resolution, and no written response to my hardship request. Shortly after, Aspen National Collections began contacting me to collect on this account.\nOn XXXX XXXX XXXX, I sent Aspen National Collections a formal debt validation request via certified mail (tracking #XXXX XXXX XXXX XXXX XXXX XXXX) demanding the following: a copy of the original contract bearing my signature, proof that Aspen National Collections has legal authority to collect this debt, a complete payment history, an itemized breakdown of all charges and fees, and documentation showing how the amount claimed was calculated.\nAs of today, Aspen National Collections has not responded to my validation request. Under the Fair Debt Collection Practices Act (FDCPA), all collection activity must cease until full validation is provided. Despite this, I have continued to receive collection communications, which constitutes a violation of the FDCPA.\nAdditionally, on XXXX XXXX XXXX an ACH withdrawal of XXXX was processed on my bank account by XXXX without my authorization or consent. I disputed this charge with my financial institution, XXXXXXXX XXXX XXXX XXXX and on XXXX XXXX XXXX XXXX issued a permanent credit in my favor (Dispute ID XXXX), confirming the transaction was unauthorized. This unauthorized charge represents a violation of the Electronic Fund Transfer Act (EFTA).\nI previously filed CFPB complaints against XXXX XXXX in XXXX XXXX (Complaint IDs XXXX and XXXX), both of which were closed and sent to the FTC regulator with no resolution. The underlying hardship situation was never addressed, and collection activity has continued and escalated since those filings.'

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 2026-04-15 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2026-04-15 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC
State: TX

Complaint narrative:
Revco Solutions is representing XXXX XXXX XXXX XXXX XXXX XXXX. They originally claimed I owed {$24000.00} ; which is false. I mailed a letter on XX/XX/XXXX disputing the charge, which I will attach. I sent XXXX checks, check # XXXX on XX/XX/XXXX and check # XXXX on XX/XX/XXXX both for {$150.00}. I would LOVE for someone to explain how this hospital can lose {$300.00}. This seems appears to be fraudent activity and Im concerned was ignored. I always pay promptly and have excellent credit. I dont appreciated being threatened by Revco . When I told XXXX XXXX I mailed them the second check, they never contacted me again. I had no idea there was an issue until last month when Revco contacted me. There was no billing activity. After I sent Revco the attached letter, no one responded to my concerns, instead I was " We confirmed you balances remain the same. '' I dispute these charges. I mailed XXXX checks and XXXX XXXX stopped billing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I sought pre-approval from XXXX XXXX who used Rocket Mortgage for this purpose. We provided them with my social security number and my husband 's, a bank statement proving we have substantial funds for a down payment and closing costs, the most recent paystubs for myself and my husband, my husband 's W2s for the past two years, but for myself I could only provide ones back in XXXX as I took care of my father from XX/XX/XXXX until he passed away XX/XX/XXXX and I got a job in XX/XX/XXXX. We have zero debt having completed a debt resolution program through XXXX XXXX XXXX. We provided them with our landlord 's name, phone number and a statement from our landlord proving our rental payment history for 2 years. Rocket advertises that they accept credit scores of XXXX and above. I have that, but they claim that my husband has no credit score. They denied our pre-approval stating, through XXXX XXXX, that our credit scores ( or lack thereof ) disqualified us. They suggested that we attend credit counciling, and that my husband obtain a credit card or small loan, things we are not willing to do. They also said they want my XXXXredit score to be XXXX, which I feel goes against their advertising. I asked for a written denial, an Adverse Action Notice and they refused, stating that because it wasn't a finished application and not seen by an underwriter that they do not have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I made a deposit with the service XXXXXXXX XXXX I signed up and deposited XXXX XXXX. They then gave me the option to choose picks to play and I chose XXXX player plays but before the play started XXXX of the players were ruled out. The service afforded me no refund and instead made a decision for me to make it a XXXX player play but I did not consent to XXXX picks when a player was marked out. So they forced me to wait it out in which I ended up losing my money. I have quit this service as it hasnt been XXXX hours since the deposit. I had sent the dispute message to NFCU within XXXX hours of this happening and its been XXXX days since and no response from them at all. I would like a full investigation into their service and refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account that was reported on my credit file without prior notice. The account is listed as a rental or leasing collection with an open date reported around XX/XX/XXXX, an original balance of {$21000.00}, and a current balance of approximately {$25000.00}. I was never notified of this alleged debt prior to it being reported to my credit reports. I only became aware of this account after receiving a credit alert from my bank on XX/XX/XXXX. Additionally, I have identified inconsistencies in how this account is being reported across the credit bureaus ( XXXX XXXX XXXX XXXX ), including differing open dates and/or update history. This raises concerns regarding the accuracy and reliability of the information being reported. I have also observed that the balance on this account has increased over time, yet I have not received any documentation explaining or justifying the added charges, interest, or fees. I have not been provided with any evidence that such increases are authorized by contract or permitted by law. I have formally requested validation of this debt from the collection agency sent in XX/XX/XXXX, including a copy of the original lease agreement, a full itemized statement of charges, and proof that the collector has the legal authority to collect this debt. To date, I have not received sufficient documentation to validate this account. Due to the lack of proper notification, inconsistent reporting, and failure to validate the debt, I believe this account may be inaccurately reported in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting that this matter be investigated and that the collection account be removed from my credit reports if it can not be properly verified with complete and accurate documentation. I also request documentation showing when and how I was allegedly notified of this debt prior to it being reported. I also need to clarify that I mailed the debt validation letter in XX/XX/XXXX to XXXX addresses provided on my credit report, and XXXX of the addresses was returned back to me, which is why the information provided on my credit report is inaccurate.

Company response to consumer: Closed with non-monetary relief