vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: IL

Complaint narrative:
TRUEACCORD C is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD C 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 explanation
Consumer complaint received 2026-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
RE : FORMAL DISPUTE INACCURATE & UNVERIFIABLE INFORMATION To Whom It May Concern, I am disputing inaccurate and unverifiable information on my TransUnion credit report dated XX/XX/year>. Your reporting contains multiple inconsistencies when compared with other credit bureaus, which is a violation of the Fair Credit Reporting Act. PERSONAL INFORMATION : The following addresses are inaccurate and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These inconsistencies indicate a mixed file. NEGATIVE ACCOUNTS : XXXX. XXXX XXXX XXXX Inconsistent late payment reporting and marked in dispute while still damaging my credit. Demand : DELETE. XXXXXXXX XXXX XXXX XXXX Reporting charge-off with balance and inconsistent payment history. Demand : DELETE. XXXX. XXXX XXXX XXXX negative status despite zero balance. Demand : DELETE or correct. FCRA VIOLATIONS : 1681e ( b ) : Maximum possible accuracy 1681i : Reasonable reinvestigation 1681s-2 : Furnisher accuracy obligations UNAUTHORIZED INQUIRIES : Several inquiries were made without my consent. Under FCRA 1681b, these must be removed unless you can provide proof of permissible purpose. DATA BREACH NOTICE : I have reason to believe my personal information may have been compromised. Any unverifiable account must be blocked under FCRA 1681c-2.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: CA

Complaint narrative:
A Notice of Default was recorded on XX/XX/year>. Since that time, I have made multiple good faith efforts to resolve the default and avoid foreclosure, including requesting loan modification review and submitting a RESPA Notice of Error/Qualified Written RequestXXXX XXXX XXXX has repeatedly provided the same or substantially similar modification terms without addressing affordability concerns or providing a meaningful evaluation of my financial situation. The offers presented are not viable and do not appear to reflect a proper loss mitigation review. I requested a complete and accurate accounting of my loan, including escrow history and any HUD partial claim balance, as well as documentation supporting their modification decisions. These requests have not been adequately addressed. Despite active efforts to resolve the matter and ongoing requests for information, the loan continues to progress toward foreclosure without proper investigation or resolution of the issues raised. I am seeking a full review of my loan, correction of any servicing errors, and a good faith evaluation of all available options to avoid foreclosure.

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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint against Capital One regarding the improper restriction of my credit card account despite full compliance with all verification requirements. Capital One requested identity verification documents and bank statements, which I provided in full. I also made substantial payments toward my account from my personal bank account, totaling over {$3800.00}, which clearly establishes account ownership and legitimacy. Despite receiving these documents and payments, Capital One has stated they are unable to verify my identity and has refused to remove the account restriction. Instead, I was instructed to apply for a new credit card, which does not resolve the issue and raises concerns about improper account handling and lack of transparency. I have made good faith efforts to comply with all requests, yet I am being denied access to my account without a clear or specific explanation. This situation has impacted my ability to use my account and manage my finances, despite maintaining payment responsibility. I am requesting the following : 1. A detailed explanation of why my identity verification failed despite submitted documentation 2. Immediate review and removal of the account restriction OR proper closure of the account in good standing 3. Assurance that my credit profile will not be negatively impacted due to this issue 4. Confirmation that my payments and account history have been properly applied and recorded I expect a prompt and thorough investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
CRIMINAL CASE XXXX XXXX XXXX XXXX XXXXXXXX XXXX Statement of Forgery and Unauthorized Account opening : I have been a Citizens Bank customer since XXXX with only XXXX authorized credit card. On XX/XX/XXXX, I discovered a second unauthorized XXXX was opened in my name on XX/XX/XXXX. 1. Evidence of Forgery : Today, XX/XX/XXXX, I visited the branch and reviewed the application with the manager. I discovered the signature field contains only handwritten " initials '' that are NOT in my handwriting. I never authorized anyone to sign for me. This is a clear case of internal forgery. 2. Failure to Resolve : Despite my phone calls yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ), and my in-person visit to the branch, the bank manager confirmed that the card was cancelled. Around XXXX I called the Customer Service XXXX, and the attendent named XXXX ( Ref # XXXX ) confirmed that I have XXXX credit cards under my name but refused to provide the full account number. 3. Police Involvement : Upon discovery of the forgery, I filed a criminal report with the XXXX Police Department. After the visit to the Police station I was informed that an officer would visite the branch today to investigate. Desired Resolution : I demand the immediate closure of this fraudulent account, a formal letter confirming the forgery, and a guarantee that this will not affect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Denial letter statement says my account has unusual activity. I do not have an account with that bank / company. Capital One. I called different departments, I was sent to recovery/ lost cards. I was told the system shows I have an account. I was told I have to fix their internal system errors myself. I have to send manual written paperwork to another department explaining their system errors and hopefully they get letter, and either fix the problem or reply back. This is not my job to pay and work for their company to correct their system mistakes and misinformation just to try to apply for their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In XX/XX/year>, I paid a merchant called XXXX approximately {$4500.00} for services that were never provided. After my payment, the business changed ownership and then permanently closed. I have screenshots of the payment and emails confirming the ownership change and closure. They were supposed to guarantee me XXXX clients and guide me on marketing and growing my business which did not happen. I contacted Chase to dispute the charge. I explained that this was a nonreceipt of services situation and that the original merchant no longer exists. Chase refused to open a dispute for the credit card charge because they said it was outside the normal timeframe. I explained that I only recently learned the business had closed and that I could not receive the services. I also referenced my rights under the Fair Credit Billing Act. Chase still refused to open the dispute. I am requesting that Chase be required to open and investigate this dispute, review my documentation, and issue a refund for services I paid for but never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I made a payment of {$300.00} to a merchant using XXXX, funded by my Cash App card. The merchant issued a full refund on XX/XX/year>. XXXX processed the refund and marked it as completed on XX/XX/year>, including a reversal of the transaction fee. Despite the refund being completed, I have not received the {$300.00} back to my Cash App account as of XX/XX/year>. I contacted both XXXX and Cash App multiple times. XXXX initially advised that the funds would be returned between XX/XX/year>, then later changed the timeframe to XX/XX/year>. Cash App stated that refunds could take XXXX days, which is inconsistent with XXXX timeline. On XX/XX/year>, a Cash App representative confirmed that the refund was visible as pending and would be available in my account by the end of the day. The funds were not posted, and as of today, I still do not have access to my money.XXXX has since stated they will initiate a trace investigation, which will take an additional XXXX business days. However, the refund has already been marked as completed, and I have not received any confirmation of where the funds are currently located.I am unable to access my refunded funds, and both companies have failed to provide clear, consistent, or accurate information regarding the status of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting and potential servicing errors by MOHELA related to my federal student loan accounts. My credit report currently reflects multiple late payments and past due balances that I do not believe are accurate. I have reason to believe that payments may have been misapplied, improperly processed, or not correctly credited to my account. I have identified inconsistencies in my reported payment history and balances. I have not been provided with sufficient documentation to verify how payments were applied or how the reported delinquencies were calculated. On XX/XX/year>, I submitted a formal complaint through XXXX XXXX XXXX ( XXXX # XXXX ) requesting a full investigation. However, the inaccurate reporting continues to negatively impact my credit. Given MOHELAs documented history of servicing issues, including misapplication of payments and inaccurate account handling, I am requesting a thorough and manual investigation into my account. I am requesting : A complete and accurate payment history Documentation showing how all payments were applied Verification of all reported late payments and balances Correction or removal of any inaccurate reporting This matter is significantly impacting my credit and financial stability, and I am requesting prompt resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Lueder Law Firm, LLC
State: GA

Complaint narrative:
I am a homeowner at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Lueder, Larkin & Hunter, LLC ( matter no. XXXX ) is collecting on behalf of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have XXXX specific complaints : 1. DEBT AMOUNT DISCREPANCY : On XX/XX/XXXX, the firm sent me a Verification of Debt stating I owed {$1500.00}. Their own internal Account Transaction Report, also dated XX/XX/XXXX, shows my balance as {$1000.00}. This is a {$440.00} overstatement of the debt in the verification document compared to their own records on the same date. 2. UNAUTHORIZED FEES MISLABELED : The firm charges {$27.00} per month labeled " Misc. Charges '' in documents sent to me, but their internal records call these " Collection Fee. '' The XXXX XXXX governing documents ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and Deed Book XXXX, Pages XXXX ) do not authorize any recurring monthly collection fee. These unauthorized charges total {$580.00} and were added to my lien balance. 3. INCONSISTENT FEE DESCRIPTIONS : A single charge is described XXXX different ways across XXXX documents : " Referral Fee '' ( {$220.00} ) internally, " {$120.00} monitoring fee '' in the payment plan letter, and " Misc. Charges '' in my account ledger. The amounts do not even match across documents. 4. FEES CHARGED FOR DEFECTIVE NOTICE : The firm charged me {$250.00} in attorney fees for a default notice that their own XX/XX/XXXX email admitted contained a factual error. The notice incorrectly cited a payment installment as unpaid when it had been received. 5. THREATENED FEES FOR DOCUMENT REQUEST : When I requested the XXXXXXXX XXXX governing documents, the firm responded with a threatening letter stating attorney fees would be charged simply for responding to my inquiry. Under Georgia law ( O.C.G.A. 44-3-232 ), XXXX are required to provide governing documents upon request. I mailed a formal FDCPA debt validation and dispute letter to the firm on XX/XX/XXXX via certified mail. I am requesting that the CFPB require the firm to provide an accurate, verified accounting of my debt and explain the {$440.00} discrepancy between their own records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filing a complaint regarding funds being held in my Cash App account that I am unable to access due to repeated identity verification failures. I have contacted Cash App support multiple times and have submitted all requested documentation, including a valid government-issued drivers license. Despite this, I continue to receive the same response stating that the system can not verify my information. I have not been provided with any clear explanation of what information is failing verification, nor have I been given a meaningful opportunity to complete a manual review. This has resulted in my funds being effectively inaccessible. I am requesting the following : A manual review of my identity verification documents A clear explanation of any discrepancies preventing verification Immediate access to my account OR disbursement of my remaining funds via check or another secure method If Cash App is unable to verify my identity through automated systems, I expect a reasonable alternative process, as withholding access to my funds indefinitely is unacceptable. I am requesting a prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is attempting to collect an alleged gym membership balance on Account/Agreement XXXX. XXXX after I canceled my membership, withdrew consent to future charges, and lost all physical access to the club. They debited approximately {$74.00} after cancellation, refused to refund it, and have continued to threaten collections and demand additional money even though they have never produced a signed written contract authorizing the charges or their claimed cancellation policy. I served a Notice of Intent to Litigate and Cease Communication Demand on XXXX XXXX, revoking consent to electronic communications and invoking my rights under the FDCPA, 15 U.S.C. 1692c ( c ), Regulation F, 12 C.F.R. 1006.6, and the XXXX Fair Debt Collection Practices Act. I formally disputed the alleged debt. Despite this, XXXX continued sending emails threatening collections in violation of my ceasecommunication demand. I attempted to serve that notice by certified mail to XXXXXXXX XXXX California registered agent as listed with the California Secretary of State : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX returned the letter to sender, indicating they are not accepting mail for XXXX XXXX at that address. If XXXX XXXX is not reachable through its designated California registered agent while still collecting consumer debts in California, that is a separate violation of California law. I dispute this alleged debt in full and demand validation under 15 U.S.C. 1692g. Until proper validation is provided, all collection must cease. I have given notice of my intent to pursue damages under California Civil Code 1788.30 and the FDCPA if XXXX continues collection attempts without validation or continues to violate my ceasecommunication demand. I ask CFPB to require XXXX XXXX to validate the alleged debt or cease all collection permanently, confirm in writing that my account will not be sent to any collection agency or reported negatively on my credit, and investigate XXXX XXXX for noncompliance with federal debtcollection law and California registeredagent requirements. Please ensure XXXX responds through the CFPB portal only and not directly to me by phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Called TD BANK XX/XX/XXXX to dispute the information and tell them the account was fraudulently opened, representative asked me all the details I gathered, said they found the account & it was opened XX/XX/XXXX, provided the address and also transactions with the account, all transactions were in XXXX XXXXXXXX XXXX where I do not live. This account was opened fraudulently and they are trying to make me liable for something I did not open. I want written communication, not system computer investigation to prove that I was the one who opened this account. I DID NOT OPEN THIS ACCOUNT OR GAVE ANYBODY AUTHORIZATION TO OPEN IT, THIS IS FRAUDULENT AND I SHOULD NOT BE LIABLE FOR THIS ACCOUNT, PLEASE REMOVE THIS FROM MY CREDIT FILE I Also disputed this information and they still haven't shown proof of how I was liable for this account because they can't.

Company response to consumer: Closed with explanation