vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 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: FL

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2026-01-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: KY

Complaint narrative:
LOST BANK DEPOSIT On XX/XX/XXXXXXXX  I called the PNC location at : XXXX XXXX XXXX, XXXX, FL to inquire about three money orders dropped in the night deposit that had yet to be deposited. They did not have record of the deposit. 

On XX/XX/XXXX, I called again to speak with the branch manager and emailed her. After a negative experience with branch personnel the corporate office was contacted. 

Over the next few days I continued to receive poor customer service from the corporate level. 

On XX/XX/XXXX, the concern was escalatedto a supervisor to which I was told the video had been viewed for the wrong day. It is unclear what else they may have done in error as there was no written acknowledgement and if the video was reviewed to include all PNC cameras even those internal the day after the drop. 

On XX/XX/XXXX, I was then informed that PNCs position was there was not a night deposit and it was implied that I was lying as the car and person making the deposit was not seen on camera. 

Unfortunately, the driver who is also a PNC customer fell ill and was unable to immediatelycomplete a notarized statement documenting that the money orders were indeed deposited. 

On XX/XX/XXXX a notarized statementwas submitted to PNC by the driver who used the night depository. 

On XX/XX/XXXX PNC followed up via phone to inform me that the money orders were not accounted for and the video did not show the depositor.When asked to have the details of the drop clarified he denied. 

PNC never once acknowledged the complaint formerly by mail or otherwise in a way which confirms the details of the case. Every step of the way I have emailed PNC the specifics to include summary of the two telephone calls that I received. Even the date of the drop has always been in writing therefor for them to be confused on the day of drop is absolutely negligent. There is no reasonable explanation provided or confirming they have all the details in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2026-01-09 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an official confirmation from Discover Bank stating that a " Stop Pay '' was initiated for the merchant XXXX XXXX XXXX XXXX XXXX. The letter explicitly stated : " We'll prevent authorizations between {$0.00} and {$290.00} from XXXX XXXX XXXX XXXX until XX/XX/XXXX. '' Despite this written guarantee, an unauthorized transaction within this amount range was processed by Discover after the block was supposed to be active. 

I contacted Discover support multiple times to resolve this. During a chat on XX/XX/XXXX, the bank representative admitted that there was an internal system error. The representative stated that the amount saved in Discover 's internal system did not match the amount I was advised of in the official confirmation letter. 

Even after admitting this internal technical failure, Discover refused to issue an immediate reversal or credit adjustment. Instead, they are trying to force me into a lengthy 60-90 day merchant dispute process. This is not a dispute with a merchant ; it is a documented failure of the bank to follow a Stop Payment order under Regulation EXXXX Discover failed to protect my account according to their own written commitment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: VA

Complaint narrative:
On XX/XX/year>, I sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

I have not received any validation of this alleged debt, including proof of obligation, a contract, or an itemized accounting. 

Despite failing to provide validation, the company continued to report this account to the credit bureaus after my request. 

Continued credit reporting without first providing validation constitutes ongoing collection activity in violation of the FDCPA. 

I am requesting deletion of this account from my credit report due to failure to validate and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX a.m., XXXX XXXX XXXX XXXX, acting as an agent for Navy Federal Credit Union, unlawfully entered my private driveway and garage to repossess my vehicle, a XXXX XXXX XXXX ( XXXX : XXXX ). 

During the repossession, the recovery agents committed multiple acts constituting a breach of the peace in violation of South Carolina XXXX XXXX, including but not limited to : Entering my closed garage without consent Attempting to repossess the vehicle while I was inside the car Physically lifting the vehicle with me inside, causing injury to my back Ignoring my clear and repeated verbal objections, including stating, Do not take my car Threatening my safety by revving a vehicle engine inside the garage and stating I would die from carbon monoxide poisoning if I did not exit the vehicle Stealing my personal property, including my phone, preventing me from calling XXXX enforcement or Navy Federal Credit Union, and attempting to coerce me into trading my phone for my car keys Damaging my property, including breaking the garage door opener while lifting the vehicle inside the garage As a result of these actions, the repossession agent was charged with Larceny for stealing my personal property in an attempt to force me to surrender the vehicle. The agent also committed assault during the incident. However, because the agent contacted law enforcement first, I was wrongfully arrested in an apparent effort to facilitate the unlawful repossession of my vehicle.I have witnesses and my neighbors camera footage of the incident. 

Navy Federal Credit Union is responsible for the actions of its repossession agent and failed to ensure that the repossession was conducted lawfully, safely, and without a breach of the peace, resulting in physical injury, property damage, emotional distress, and violations of my legal rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
on XX/XX/XXXX, the collection company called while i was at work, harassed me, forced to speak a louder to over talk him, my employer reprimanded me for spending XXXX minutes listening to him to discuss this account, after i told him i was at work. He continued to discuss saying this is the last time i will be calling to talk to you. i've told him i've sent several documentations to dispute the balance and was told we are not going to honor your dispute because the account was bought by us and we are going to get the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I paid {$240.00} through Cash App for an XXXX order that was never delivered. I contacted the merchant multiple times and escalated to a supervisor. XXXX refused a refund or redelivery. Cash App denied my dispute without providing evidence of delivery. I am requesting a proper investigation and reversal for non-delivery of goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist from any and all communication with me regarding the alleged debt identified below. 
Creditor : JEFFERSON CAPITAL SYSTEMS Account Number : XXXX Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they wish the collector to cease further communication, the collector must stop all communications except as expressly permitted by law. 
Accordingly, you are hereby directed to immediately cease all forms of communication with me, including but not limited to phone calls, letters, emails, text messages, or contact through third parties. Any future contact from your organization, other than those allowed under 1692c ( c ), will be documented as a violation of federal law.

This letter is not an acknowledgment of any debt, nor is it a waiver of any rights, claims, or defenses I may have under federal or state law. 
Please govern yourselves accordingly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank closed my credit card ending in XXXX without proper notification or notice. I have had this account open for more than 20 years and the closure affected my credit history and score. 

Upon contacting the bank, they confirmed that they did not send a regular mail notification but did send email ( which I did not receive ). 

I want this credit card re-instated in its original standing.

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 2026-01-09 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Company name : XXXX XXXX XXXX  Account number : XXXX Amount : {$1100.00} Type : Debt Buyer / Collection Account I am filing this complaint regarding a collection account being reported by XXXXXXXX XXXX XXXX that is inaccurate, incomplete, and unsupported by required documentation, letter was sent a month ago asking for this information, no response. 

XXXXXXXX XXXX XXXX is reporting a {$1100.00} collection account as past due despite the account reflecting a 0 % paid balance. Additionally, this company is a third-party debt buyer and has not provided any proof that it has the legal right to collect or report this debt to me prior to reporting on all the credit bureaus. 

I am formally requesting that XXXX XXXX XXXX provide the following documentation : The original signed contract or agreement bearing my signature that created the alleged debt A complete and unredacted bill of sale showing lawful transfer of the debt to XXXXXXXX XXXX XXXX  XXXX chain-of-title documentation demonstrating ownership from the original creditor to the current debt buyer A detailed accounting of how the balance was calculated In the absence of this documentation, XXXX XXXX XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by reporting unverified information and the Fair Debt Collection Practices Act by attempting to collect without proper validation. 

I am requesting immediate deletion of this tradeline from all consumer reporting agencies if XXXXXXXX XXXX XXXX can not substantiate this account with the required documentation. Please provide written confirmation of the investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am submitting this complaint against Hyundai Motor Finance and Genesis Finance regarding improper handling of my lease and inaccurate credit reporting. In XX/XX/year>, my leased Genesis vehicle became disabled. Genesis Roadside Assistance authorized a tow approximately XXXX miles away, despite a suitable repair facility being available within approximately XXXX miles. Representatives promised reimbursement of expenses and return of the vehicle. These promises were not honored. I continued making lease payments while deprived of possession of the vehicle for more than XXXX weeks. Genesis refused to reunite me with my vehicle, leaving me no reasonable alternative but to ground the lease solely to mitigate further damages. Despite this, Hyundai Motor Finance is reporting early termination and asserting a remaining balance, contradicting prior reporting that showed a XXXX balance..

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America took XXXX from my works compensation direct deposit using a right of set off to pay a closed account. XXXX compensation benefits are exempt under XXXX XXXX XXXXXXXXThe bank refused to reverse it after I escalated it.

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 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
I am submitting this complaint to dispute an inaccurate collection account being reported on my credit report by Fair Collections and Outsourcing ( FCO ) on behalf of XXXX XXXX XXXX XXXX, New Jersey. 

I was a co-signer on an original residential lease in 2015 for my parents. That lease expired at the end of its original term. I did not sign any renewal, extension, or new lease agreement. 

After the original lease expired, my father entered into a month-to-month tenancy. I was not a party to that arrangement and did not provide written or verbal consent to assume any ongoing financial responsibility beyond the original lease term. 

Despite this, FCO has reported a collection account in my name for charges allegedly incurred after the lease expiration. I dispute this debt in full, as I have no legal obligation for a month-to-month tenancy that I did not agree to or sign. 

The reporting of this account is inaccurate and misleading and does not reflect my true legal responsibility. I am requesting that : FCO and XXXX XXXX XXXX XXXX provide written proof that I agreed to any lease renewal or month-to-month obligation, or The collection account be removed from my credit report immediately If no such documentation exists, continued reporting violates the Fair Credit Reporting Act. 

I respectfully request that the CFPB investigate this matter and require correction of my credit report. 

Sincerely, XXXX

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: TN

Complaint narrative:
A collection account is being reported by a debt buyer despite the account having been paid and settled. The original balance was {$5100.00}, and the account was settled for less than the full balance. The account now reflects a {$0.00} balance and a status of paid in settlement. 

Despite the account being resolved, the debt buyer continues to report ongoing monthly collection history and negative status markers across the credit reporting agencies. This reporting does not accurately reflect the current status of the account and continues to cause harm even though there is no outstanding obligation. A fair resolution is deletion of this collection account because the continued reporting of monthly collection status after the account was paid constitutes ongoing harm and improper re-aging of the debt. 

Once the account was settled and the balance reduced to XXXX, there was no longer a delinquent obligation. Continued monthly reporting of collection activity gives the appearance of ongoing delinquency and unfairly suppresses my credit profile beyond what is permitted under the Fair Credit Reporting Act. 

Additionally, the account has been disputed, and the furnisher has not provided documentation demonstrating why continued reporting of historical collection activity is accurate, complete, and compliant with the Fair Credit Reporting Act to me prior to the ongoing reporting. 

I am requesting a deletion of this tradeline to ensure my credit report accurately reflects the current, settled status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
I am providing additional information to my complaint. 

The ACH debit appearing on my bank account is labeled " XXXX XXXX XXXX XXXX XXXX This indicates the payment is being processed through XXXX 's federal student loan payment system. 

Despite this, XXXX and related servicers have been unable to identify a valid loan, borrower account, or ACH authorization associated with these recurring withdrawals. 

Funds continue to be debited without the servicer being able to verify the debt or authorization. This represents an unauthorized electronic fund transfer and a federal student loan servicing failure. 

I am requesting a full ACH trace by Company ID, written proof of the debt and authorization, immediate cessation of all debits, and a refund of payments collected without verified authorization.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I filed a Claim on XX/XX/year> # XXXX and the mortgage lender has yet to respond. 

There has been fraud on this mortgage as loan modifications were approved and granted without all parties included. 

Mortgage company stopped taking loan payments- forcing a foreclosure. 

Was told I could not get a loan modification because I previously had one except for the fact I never signed for a loan modification previously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: FL

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