vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 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:
I am submitting this complaint to formally dispute a charge in the amount of {$47.00} that was billed to my account on XX/XX/XXXX, through XXXX for an oil change service at XXXX. On XX/XX/XXXX, I attempted to redeem the voucher at XXXX and was informed that it could not be used for an oil change. I was instructed to contact XXXX for a refund ; however, my attempts to reach XXXX through the app were unsuccessful, and I have not received any resolution from the merchant. I promptly filed a dispute with XXXX. On XX/XX/XXXX, I received an email stating that a letter was available on my account. I did not receive this letter, and upon request, XXXX was unable to provide a copy. I was instructed to access the letter through paperless statements online ; however, there is no paperless option available on my account. Additionally, I spoke with three separate representatives, none of whom were able to explain how to locate or access this letter. Despite the lack of documentation or proper notice, the disputed charge was reversed and reapplied to my account. I have since been informed that this matter is being classified as a billing dispute rather than fraud because the transaction was authorized. While I acknowledge authorizing the purchase, I did not receive the services paid for. This constitutes a valid billing dispute under the Fair Credit Billing Act ( FCBA ), which protects consumers from charges for goods or services not delivered as agreed. The core issue remains unresolved : I was charged for a service that was never provided, despite multiple good-faith efforts to resolve this matter with both the merchant and my financial institution. I am formally requesting the following : A complete and documented review of this dispute, including all findings and supporting evidence Copies of all correspondence, notices, and determination letters related to my account, including any documents referenced but not previously provided A permanent credit to my account in the amount of {$47.00} for services not rendered I respectfully request a prompt and fair resolution to 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 monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Newport Intermediate Inc.

Complaint narrative:
I am submitting a new complaint regarding an unresolved blocked transfer in the amount of {$2300.00} from XX/XX/XXXX. In response to my previous complaint, North Lane Technologies stated that the transfer documentation provided to me in XX/XX/XXXX belonged to my own account and was linked to my PUID. I do not accept this explanation. The document provided referenced a different transaction dated XX/XX/XXXX, in the amount of {$3100.00}, which does not correspond to my blocked transfer. Additionally, the document contained identifying details, including a different address and country, that do not match my personal information. This raises serious concerns about the accuracy of the documentation provided and contradicts the claim that the transaction belongs to my account. Regardless of their internal classification, the fact remains that I was provided with documentation unrelated to my inquiry, which caused confusion and contributed to significant delays in resolving this matter. More importantly, the company has failed to address critical issues : I was instructed to apply for an XXXX license before the funds were reported to the XXXX XXXX XXXX XXXX XXXX The funds were reportedly blocked in XX/XX/XXXX but not reported to XXXX until XX/XX/XXXX As a result, my initial XXXX application could not be properly processed The case has now remained unresolved for over three years with repeated delays and inconsistent communication Despite multiple complaints, the core issue remains unresolved, and I continue to receive generic responses requiring an XXXX license without addressing the procedural failures that contributed to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: NC

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 2026-03-23 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: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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
Consumer complaint received 2026-03-23 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: IL

Complaint narrative:
PORTFOLIO CAPIT is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO CAPIT 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
Consumer complaint received 2026-03-23 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: NY

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 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
Consumer complaint received 2026-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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 non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: LAKE MICHIGAN CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I received a text message from Lake Michigan Credit Union about potential fraud and I went to review my account and saw XXXX withdrawals made at target in XXXX which I was not at. My card was in my possession. I immediately called the dispute management of the credit union and was told to file a dispute form online which I did all within XXXX hour. They discontinued the card and mailed me a new card. I gave it time and called in today XX/XX/XXXX for an update. I was then told it was denied and there is nothing I can do about this. As I would like to be reimbursed for a transaction I didnt make.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I am filing this complaint against Credit Acceptance Corporation regarding a predatory auto loan that resulted in repossession and ongoing credit reporting harm. I obtained this loan because I had limited financial options and needed transportation. The lender approved me for a high-interest loan with payments that were not reasonably affordable based on my income. The structure of the loan, including the interest rate and payment amount, made it highly likely that I would fall behind. I believe the lender failed to properly assess my ability to repay and instead approved a loan that set me up for default. As a result, I experienced financial hardship and the vehicle was repossessed. This repossession was not simply due to missed payments, but due to being placed in an unsustainable and abusive loan. This account is now being reported on my credit report and continues to negatively impact my financial stability. I am requesting that this situation be reviewed as a case of unfair and abusive lending practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: LA

Complaint narrative:
My son went to the hospital XX/XX/XXXX. His date of birth is XX/XX/XXXX. At this time he was XXXX years of age. Somehow this bill showed up on my credit report. I talked to the debt collection company and they said that I can't be removed of this debt because I was listed as the guarantor. I went to the hospital and collected documentation showing how I was not listed as the guarantor at the time of visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My business mailed me a check ( from a Chase account ). The check was stolen from the mail and deposited at XXXX XXXX. Chase communicated that they would recover my funds from XXXX XXXX. I visited the Chase XXXX 3 times, called XXXX XXXX twice, filed a police report and notified XXXX. After XXXX weeks, Chase sent a letter stating that they " tried to contact the bank that accepted the check claimed as fraudulent, but they have not responded to us. '' And that they will close the case after XXXX days. XXXX XXXX will not give me any information on the deposit ( location, date, time, if an investigation has occurred ). When pressed, Chase has communicated that they emailed XXXX XXXX. I am not confident that either institution is taking the appropriate steps to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX, Thank you for your email and attention to my claim XXXX. Per your request here is my response to Bank Of Americas formal response. Im unsatisfied with the repeated/ regurgitated response from Bank of America . BofA says they resolved this matter with me which is untrue. There has been no real resolve. This claim is layered. I will try my best to consolidate The events that led to this claim. I have attached a few of the documents to kind of summarize what happened, if required I can furnish more for added clarity. The documents BOfA submitted only reflects the many appointment times I arranged to get my money back. I have these documents already. I went to two separate branches to resolve the matter and have received no resolve. I also learned thru XXXX And I can provide those stories as well that Bof A has a history of stealing from their customers using their unsecured/secured credit card line. there is no proof that they increased my credit line to {$4000.00}. That is because I increased my credit line using their banking app. and as advanced as they are their banking app does not keep or provide transaction history. Which i didnt realize. Until it was too late. BofA encourage their customers to use their online banking. Which I did. In the documents attached you will see, There was a BofA Promotion for an unsecured credit card. I gave them {$500.00} for a {$1000.00} unsecured credit card. That was in XXXX. As seen in the screenshot below. With the red marking. You will see that over the course of XXXX years I increased my credit limit using their app ( please see the screen shot ) I transferred {$3000.00} ( in increments of {$500.00} to {$1000.00} ) from my checking account to my credit card account see ( screenshot shot. ) bringing my credit card limit to {$4000.00}. I did the transfer in increments to see if the app would allow me to do it since my credit wasnt good. I was employed at the time and was trying to be smart with my money and build my credit using my credit card. At the time I had {$14000.00} in checking 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 explanation
Consumer complaint received 2026-03-23 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: NV

Complaint narrative:
I am a VERIFIED victim of identity theft and have fully complied with all federal requirements by submitting an FTC Identity Theft Affidavit, government-issued identification, and proof of address. Despite this, the credit bureau has FAILED to delete the fraudulent account ( s ) from my credit report within the MANDATED XXXX ( XXXX ) business days as required under FCRA 605B. This is a clear violation of my consumer rights. Additionally, the bureau has FAILED to provide any lawful verification of these account ( s ) as required under FCRA 611. These continued violations have caused significant damage to my credit profile and are directly impacting my ability to obtain credit, housing, and other essential services. The ongoing reporting of fraudulent information demonstrates a blatant disregard for federal law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Company where I bought my product falsified measurement. Bank did not look or accept my overwhelming proof. I opened case multiple times and was rejected multiple times. Charge-back happened without even informing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I used Chase Bank online card acceptance for business XXXX XXXX to process a credit card transaction in the amount of {$17000.00} for an invoice my customer owed me. I used his XXXX XXXX that I have used on XXXX other occasions. The transaction was held for pending review. After contacting Chase merchant services over the span of XXXX working days I finally received an email on XX/XX/year> saying my account was closed and the funds were being held for XXXX days. I called merchant services back and they advised me to appeal the decision. I emailed the appeals department explaining what had happened along with attaching the invoice, the customers signed credit card processing form and also a history with my client to show that he has paid numerous invoices over the course of a year. I received an email today XX/XX/year> stating the account is closed as of XXXX/XXXX/XXXX ( their typo ) with no explanation and that the funds will be reviewed for " potential '' release in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am submitting this complaint regarding the reporting and handling of an account furnished by LVNV Funding LLC. LVNV Funding is reporting an account as a debt buyer from an original creditor. I previously disputed this account through the credit reporting agencies, and it was marked as verified. However, I was not provided with any documentation demonstrating how this account was verified or what records were used to support the accuracy of the reporting. Because LVNV Funding is not the original creditor, I requested validation of the account directly from the company. Specifically, I requested documentation showing the origin of the account, the complete account history, and proof that LVNV Funding has the legal authority to collect and report this account. To date, I have not received sufficient documentation establishing that LVNV Funding owns this account or that the account is being reported accurately. The responses provided have not included account-level documentation, proof of assignment, or records demonstrating how the account was linked to me. My concern is that the account continues to be reported based on incomplete or unsupported information, and that the verification process relied on automated responses rather than a review of actual documentation. Given that this account has been reported and verified without providing supporting records, I am requesting that this matter be reviewed to ensure that proper validation and investigation procedures were followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed a strange ATM withdrawal from my account of {$53.00} while I was babysitting. After investigating, I realized these suspicious ATM charges dated all the way back to XX/XX/XXXX. A majority of the charges were made during the holidays, which explains why I missed XXXX as I was already making a lot of transactions. I only noticed after the holidays when I was no longer spending copious amounts of money on gifts. There was a total of XXXX transactions totaling to {$400.00}, not including the ATM fees. My claim was initially denied, to which I then provided over XXXX pages of my own research, dissecting each withdrawal and where I was at the time of the withdrawal. The bank then denied it again, stating that someone with authorization to use my account made the withdrawals, but I am the only person with access to my account. I have never shared any card information, including my PIN with anyone else, which I stated in my research.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
The XXXX XXXX XXXX credit card account is being reported inaccurately. I made payments in good faith and attempted to keep the account current, however the balance and payment status being reported do not reflect the actual payment activity on the account. On or around [ month/year ], I made a payment of approximately [ $ amount ]. Additional payments were made on or about [ month/year ] in the amount of approximately [ $ amount ]. Despite these payments, the account was reported as late/derogatory. I also contacted the creditor to address the issue and requested confirmation that payments were received and applied correctly. I took action by submitting payments as agreed and attempting to resolve the matter directly with the company. The negative reporting appears to be the result of inaccurate payment application and/or failure to properly update the account status after payments were made. I am requesting that the payment history be reviewed and corrected to accurately reflect the payments that were made and to remove any inaccurate late or derogatory reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
In response, I promptly provided supporting documentation to XXXX XXXX. Following a formal investigation, XXXX XXXX issued an official report concluding that both transactions in question were not fraudulent ( see attached report ). Despite this finding, my Zelle account continues to be restricted. XXXX XXXX has confirmed to me in writing that : They are not responsible for the restriction of my Zelle account, and The restriction was imposed by Zelle directly I must contact Zelle to have the restriction removed ( see attached email correspondence ) At this point, there is clear documentation from my financial institution verifying that no fraud occurred, yet Zelle has not lifted the restriction or provided a clear path to resolution.

Company response to consumer: Closed with explanation