vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
Summary of the Issue : I participated in the OPN promotion that advertised a 200 % return. This created the impression of a high short-term profit within 7 days. However, the reality is that the 200 % represents an Annual Percentage Rate ( APR ), not a fixed 7-day return. The actual profit over 7 days is very small. Additionally, the rewards are paid in OPN tokens, whose market price is highly volatile. During my participation, the token price dropped, which caused my overall value to decrease. As a result, instead of making a profit, I experienced a financial loss. This promotion is misleading in presentation, as it can easily give users the wrong expectation of high and quick returns, while the actual outcome depends on market fluctuations and unclear calculations. I have already submitted a formal complaint ( XXXX ) and I am requesting a fair resolution to address the losses caused by this experience

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonXXXX XXXXcompliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX I sent a written Debt Validation and Cease Communication Request by certified mail to the debt collector, disputing an alleged debt and requesting verification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. My letter also requested that all telephone communications cease and that all future correspondence be in writing. Under the FDCPA, the collector was required to provide verification of the debt within five days of their initial communication. I never received any verification or documentation proving the debt. After receiving no response, I called the collector on XX/XX/XXXX. I spoke with representative XXXX XXXX. During that call XXXX XXXX acknowledged that the collector had not sent the validation documentation that they were required to send in response to my XX/XX/XXXX letter. I also spoke with supervisor XXXX XXXX ( or was transferred to XXXX XXXX ) on XX/XX/XXXX regarding the missing validation. Both representatives told me that they would mail the required documentation after my call. They confirmed they were sending information that should have been sent within the five-day period from my original letter, but I did not receive anything at that time. Despite these assurances, I still never received the required verification/documentation. The collector also refused to delete or remove the alleged debt from their records or from credit reporting, stating they could not delete it without the creditors action. I have requested deletion because the collector failed to provide required validation. The collector continued to refuse to delete the debt and has not provided the documentation required by law. Why I believe the company violated the law The collector failed to validate the debt within the timeframe required by the FDCPA after I submitted a written validation request ( 15 U.S.C. 1692g ). The collector continued to attempt collection and refused to delete the debt despite their failure to validate it and my written cease-communication request ( 15 U.S.C. 1692c ( c ) ). The collector refused to provide the identity of the original creditor and then later acknowledged not having sent validation, causing continued harm and uncertainty about the alleged debt. Desired outcome / relief I want

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am filing a complaint against Navient for inaccurate credit reporting. My student loans have been approved for discharge by the XXXX Department of Education under the XXXX v. XXXX borrower defense settlement. Despite this, Navient continues to report these accounts as charged off, past due, and delinquent. This is inaccurate because I have no legal obligation to repay these loans. This reporting is damaging my credit and violates the Fair Credit Reporting Act. I request that Navient : Immediately correct or remove all negative reporting Update the account status to reflect discharge Cease reporting any delinquency I have documentation of my discharge approval and am prepared to provide it. I request prompt investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MO

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 non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

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 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Debt Validation Request To Whom It May Concern, I am writing in response to your communication regarding an alleged debt. I do not recognize this debt and request validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : The name and address of the original creditor The account number and amount owed Documentation showing I am legally obligated to pay this debt A complete payment history, including any interest or fees added Proof that your company is authorized to collect on this debt Until you provide proper validation, I request that you cease all collection activities and reporting to credit bureaus. If this debt can not be validated, please remove it from my credit report and confirm this in writing. I prefer to be contacted in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
I am writing to formally dispute the balance of {$940.00} that your is being reported in connection with a XXXX account. This account went into default due to lack of proper procedure by XXXX, not due to any failure on my part. On XX/XX/year>, I returned my XXXX XXXX to XXXX. The equipment was received and documented on my XXXX account on that same date. Despite this confirmation, XXXX failed to properly process the return and incorrectly assumed the equipment was never received. As a result, the equipment charge was never removed from my account. Due to XXXX error, the account was wrongfully sent to collections and has now been reported for over a year, severely and unjustly damaging my credit. This balance exists solely because of XXXX mistake. I am formally requesting that ALL charges associated with this account be fully removed by both XXXX and Diversified Adjustment Services, as the alleged debt is inaccurate and invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My email, home address, birthday, ssn has been compromised on the internet 47 times and counting. Someone has open up multiple accounts and credits cards in my name and have not paid anything on the bills. I'm Just finding this out when I got of jail and open up my credit report and saw all kinds of negative marks, collections and late payments on my credit report and I have never had any credit cards in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is an Administrative Notice of Statutory Default. Pursuant to 12 U.S.C. 5511, I am invoking the mandatory enforcement duty of the Consumer Financial Protection Bureau to address a systemic and willful violation of Federal consumer financial law. I. THE DOCTRINE OF STATUTORY EXHAUSTION This is my sixth ( 6th ) formal communication. I have exhausted all administrative remedies provided under the Fair Credit Reporting Act ( FCRA ). The Credit Reporting Agency ( CRA ) has been afforded 180+ days of notice to verify the following items. Their failure to produce competent evidentiary matter during this extensive window constitutes a terminal failure of verification. II. ENUMERATED COUNTS OF NON-COMPLIANCE COUNT I : Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( The Mandatory Deletion Rule ). The statute dictates that if an item " can not be verified, '' the CRA " shall '' promptly delete it. The word " shall '' creates a non-discretionary duty. By failing to delete unverified items after six rounds of notice, the CRA is in direct violation of a federal mandate. COUNT II : Violation of 15 U.S.C. 1681e ( b ) ( The Maximum Accuracy Standard ). The CRAs refusal to modify or delete invalidated payment history data is a prima facie failure to maintain " reasonable procedures '' to assure maximum possible accuracy. COUNT III : Violation of 15 U.S.C. 1681n ( Willful Non-Compliance ). The CRA has demonstrated a reckless disregard for the law. This willful persistence in reporting unverified data has caused me severe actual damages, including financial exclusion and documented emotional distress. III. ADMINISTRATIVE DEMAND FOR RELIEF I demand the CFPB exercise its plenary authority under 15 U.S.C. 1681s to compel the immediate DELETION or MODIFICATION of the following items

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 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
I have no knowledge of the debt and the company hasnt validated it. Proper validation includes a full itemized bill statement. The original signed contract. And proof displaying that the debt belongs to you. Amount is {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Good morning, I was scammed XX/XX/XXXX on XX/XX/XXXX I reached out to the fraud department XXXX Bank of America to complete an investigation, and I felt like the urgency was overlooked in regard to the time, I was told they will get back to me in XXXX days. I think in a matter of this it should be sooner rather than XXXX days.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I am a business account holder with Coinbase and have been a customer for over 5 years. Recently, Coinbase froze my business account without prior notice or a specific explanation. This freeze has prevented me from accessing approximately {$1100.00} in business capital, which remains trapped in the account. Furthermore, while my account is frozen and inaccessible, Coinbase has continued to charge my payment method for recurring subscription fees ( Coinbase XXXX ). This constitutes unauthorized billing for a service that Coinbase is actively preventing me from using. I have attempted to resolve this through their standard support channels multiple times without success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Lendgo, Inc.
State: FL

Complaint narrative:
I believe the company Lendgo is engaging in misleading advertising practices. They are promoting interest rates that appear to be nearly 2 % below current market rates, without clearly disclosing any associated discount points or upfront costs. This creates a false impression for consumers, as these advertised rates are not realistically attainable without significant out-of-pocket expenses. After progressing through the sales process, it becomes evident that the initially advertised rates are not even remotely achievable under typical conditions. Leading to consumers having loans increased for buy downs and be unaware of this - very misleading

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Yes I am trying to open a cashapp account. When I try to the account is immediately closed. This is my first time trying to open account with them. Few years ago I had my identity stolen. My social security number and driver 's license was stolen. And my info was used to open account with cashapp but it was done fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MO

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 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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I logged into my account on XX/XX/XXXX and noticed two pending transactions that would be credits. The pending credit said it would be pending for XXXX hours before posting. When I logged in on XX/XX/XXXX and XX/XX/XXXX, it was still pending. Then on XX/XX/XXXX, the pending credit was gone and never posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 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: NY

Complaint narrative:
On XX/XX/year>, an unauthorized charge of {$49.00} was processed through Cash App Pay by a company called XXXX XXXX XXXX ( payment identifier : XXXX ). I did not sign up for or authorize any service from XXXX XXXX XXXX. I filed a dispute with Cash App and it was denied. Cash App provided no explanation for the denial or details of any investigation conducted.

Company response to consumer: Closed with explanation