vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX, I used Capital One miles to book a trip for my XXXX and I to go from XXXX to XXXX via XXXX XXXX. We purchased XXXX XXXX tickets on the first direct flight of the day. On XXXX, XXXX informed us that we have moved to a later connecting flight and it would be economy as they no longer had XXXX XXXX seats left. We decided to stick with a direct flight at a different time of the day and with XXXX. I was told that after we completed our flights, to go to XXXX to request the fare credit. On XXXX after our flights, I went to XXXX to request the credit. On XXXX, I was then sent the emails ( attached below ) ) confirming that the credits for both my XXXX and I had been credited back to my card. I waited XXXX business days but still never saw the credit on my Capital One Card. I have now called Capital One on XXXX ( XXXX minute call ), XXXX ( XXXX minute call ), XXXX ( XXXX minute call ), XXXX ( XXXX minute call ), and XXXX ( XXXX minute call ) to be repeatedly told that Capital one is trying to get ahold of XXXX but are unable via phone/email. It's been XXXX weeks since they have been telling me this. However, when I call XXXX, I can get through to someone is XXXX minutes. When I try to call back to XXXX they are adamant that I need to work direct with Capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have XXXX XXXX American Express card for while using my social security number. I decided to get a personal XXXX card for benifits. They gave me another account for my business card so now I was paying XXXX fees and no personal one. Took nightmare to get it cancel. Than they sent me personal XXXX card which I wanted and XXXX for my XXXX. They run a test charge for {$80000.00} and another for {$400000.00} and rep said she dose not know my limit but both of charges when though. I said I never have charge over {$5000.00} so I was not worried. I pay it off every month. I get message after few months that they needed to check my credit again and bank statements. I have XXXX Credit score so I know it perfect. I sent them the XXXX months of bank statements from the checking and savings. First they said they can not accept the XXXX bank statement as XXXX XXXX I need to send seperate. So I upload them seperate. Next they said my savings account will not work. I explain I carry the majority of money in saving because it get intersed. XXXX day I been dealing with it and all my cards have been locked. This whole time they will only talk on phone no email to have papertial of all this. I ask for XXXX to call back and never got XXXX call. I am on call with American Express and there calling on other line for same thing. Finanily I said I have great credit been with you and never miss payment, provided everything you needed if you dont want me cancel the card which they did, But I am out the {$890.00} and {$190.00} for XXXX card and {$590.00} for XXXX card for membership plus XXXX XXXX inquires on my credit report. No lenth of cards history has drop because this card only had XXXX months and aver is lot lower. I did everything they ask and they approve me but they cancel card, I am out all the membership money and credit is no longer perfect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this complaint because Experian is reporting inaccurate and unverified information on my credit file. Charged-Off Account Reporting Experian is reporting the following account as a charged-off account : XXXX Account Number : XXXX Reported Date : XX/XX/XXXX Balance Reported : {$0.00} XXXX dispute the accuracy and completeness of this account. I have not been provided proper validation that this account belongs to me, nor have I been provided documentation supporting the reported charge-off status and reporting details. Under the Fair Credit Reporting Act, credit bureaus are required to ensure that all reported information is accurate and verifiable. I am requesting Experian to conduct a reasonable reinvestigation and require the furnisher to provide proper documentation verifying the account. If the account can not be fully verified, it must be removed from my credit report. Unauthorized or Unverified Inquiries Experian is also reporting multiple inquiries that I do not recognize and did not authorize : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As I looked to turn in my XXXX lease back in which the financing company of XXXX, XXXX Chase, encouraged me to utilize XXXX to get estimates on excess wear and damages so that I could get any repairs done in advance of turning in the vehicle. Upon receiving the report post-inspection from XXXX. I had a list of Excess Wear items that had the action as Repair and a total of {$0.00}. Because XXXX and JPM Chase is not doing repairs to my vehicle prior to turning in, I was led to believe that these repairs must be made before turning in the car or else I will be charged for each items when the company receives the vehicle after turn-in. I followed instructions and made repairs at a XXXX XXXX XXXX center which totaled around {$2000.00}. A few days before turning in the lease in XX/XX/year>, I called the XXXX XXXX XXXXJPM Chase Car Finance office and asked them how to supply documentation of repairs. They then told me that I did not have to do the repairs because it was indicated as {$0.00} under each item. The report I received which I have attached is extremely misleading and encouraged me to take the Action of repairing items that I was not going to be charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I saw a collection added to my credit reports on XX/XX/XXXX, from Jefferson Capital for the amount of {$250.00}. I never received any other information, nor was I contactacted by the debt collector prior to this. I googled the company and called them on XX/XX/XXXX to see what this debt was or to get any information. They had no current information for me and I did provide my current address as they said they would need that to dispute the debt. I was informed it was for a XXXX XXXX account dating from XXXX which was not mine nor do I have any knowledge of. I have reported this debt to XXXX as well as XXXX XXXX. Because they added this debt to my credit reports with no warning or knowledge to myself my credit level dropped greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit acceptance and XXXX Consumer overcharge me for both of my vehicles

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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I was in a XXXX incident and my car was towed to a tow yard. Upon arrival of the tow yard I was advised I needed " proof of ownership '' of the vehicle to have it released to me. I contacted my leasing company WESTLAKE FINANCIAL SERVICES XX/XX/year> to send title of support and review if the car is totaled, and if so, settlement of remaining balance ( aprox XXXX ) so we do not receive a repossession. The company advised they would call me back in a few days. I called again XX/XX/year> with " no update available '' and advised I am being charged daily and need to resolve the issue. I reiterated my settlement request and company advised they will give update in several more days. My husband XXXX Co owner of vehicle and also on lease ) called and they advised him the car has been repossessed ( to our surprise ). We were not in default of the loan and never missed a payment EVER in three years. When questioning the company they advised they, now, can not settle due to the repossession, although the settlement request was submitted several days PRIOR to them going behind our back and unlawfully taking our vehicle, without notification or reason. This in turn clearly affected our credit. Despite clear concise documentation proving otherwise, as well as recorded phone calls as evidence, the company is refusing to overturn the repossession and demanding we pay them money. UNBELIEVABLE!! We have contacted the company several times over the course of these past 30 days, attempted to rectify the situation, escalated to supervisors and more! They continue to lie about why they ( practically stole ) our vehicle and then gave us a plethora of reasons why : " We were in " default '', " we abandoned the vehicle '', " Per our contract '', and even " We took it as collateral '' which literally doesn't even make sense! A supervisor also advised the car was repossessed the SAME DAY after our SECOND settlement request. They also lied about where they took the car when we asked for the location.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: NC

Complaint narrative:
In response to this situation, I have filed a formal complaint with the FTC and I am attaching the corresponding report ( Report Number : XXXX ). Under Section 605B of the FCRA, once a consumer provides an identity theft report, the bureau is required to block and remove the disputed information within four business days unless it can provide clear documentation proving that I expressly authorized the reporting of that information. I never gave such authorization. No signed application, no authenticated record, and no document exists linking my consent to these accounts. Additionally, Section 1681b establishes that access to a consumer 's credit report requires a permissible purpose, which must be tied to a transaction I initiated. That did not happen here. These accounts are being reported without my consent, which in itself is a violation. But beyond that, the accounts also contain numerous inaccuracies, meaning the information fails to meet the accuracy standards required under Section 607 ( b ). I am requesting a reasonable reinvestigation under Section 611, and if the bureau can not produce concrete evidence that I authorized this reporting or can not correct the inaccuracies present in these accounts, then under Section 1681i ( a ) ( 5 ) ( A ), the accounts must be promptly deleted from my file.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: SC

Complaint narrative:
OLIPHANT USA LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research OLIPHANT USA LLC 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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
My account is being closed, and my funds are being held. I now have no money or no bank. I have done nothing wrong. I am only an online gambler which is perfectly legal and have nothing wrong. I need to speak to the executive resolution team or loss prevention to provide any documentation you need to expedite the release of my {$640.00}. However long it will take, I can not wait. It will cause serious damage to my life, and thats all my money.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NORTHWEST BANCSHARES INC
State: MN

Complaint narrative:
Northwest Bank in Pennsylvania continues to steal money from my account. It's been 3 months. Every month they take an auto payment out of the accounts and I have submitted the paperwork to not have that account debited. I get insufficient funds fines and they dont reverse them. I have emailed and called. They just say someone else is handling it and it never gets corrected. They dont have upper management and everything is online. You cant get to any sort of customer service. There are serious issues with this bank. Even bank employees are stating the bank is over leverage and going under. Who investigates XXXX show banks like this? Is there any regulatory body when peoples bank accounts and mortgages are being affected from a bank stealing money?

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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: PRONTO FINANCE INC.
State: IL

Complaint narrative:
{$6000.00} balance mechanically defective I attempted to resolve the issue The lender refused assistance I surrendered the vehicle Now balance is still showing on my credit report XXXX they wouldnt fix the issue either the car or help an anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I am filing this complaint against CrossCountry Mortgage, LLC ( CCM ), my mortgage servicer for loan # XXXX on my property at XXXX XXXX XXXX XXXX XXXX, FL XXXX. CCM admitted they failed to timely pay my homeowners insurance premium from my escrow account to XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Policy # XXXX, XXXX form, effective XX/XX/XXXX to XX/XX/XXXX ), creating a coverage gap. This led to them improperly force-placing an expensive lender-placed policy ( issued through their vendor XXXX, over {$5000.00} premium ) that I did not authorize and later cancelled. Despite their admission of error and proof of my compliant coverage ( attached declarations page showing {$350000.00} dwelling limit, well above my ~ {$280000.00} loan balance, with CCM as mortgagee ), CCM refuses to refund or absorb the force-placed policy costs. This has resulted in : An improper escrow shortage of {$3700.00} ( from XX/XX/XXXX analysis ). Inflated monthly escrow payment of {$450.00} ( up from ~ {$130.00} {$150.00} based on actual taxes ~ $ XXXX + insurance ~ $ XXXX ). Total monthly mortgage payment ~ {$2200.00}, including a {$25.00} fee. Ongoing financial harm, as the force-placed charges are built into my escrow. This violates RESPA ( 12 U.S.C. 2605 ), Regulation X ( 1024.17 ( k ) for untimely escrow disbursements and XXXX for improper force-placed insurance, failure to cancel within 15 days of proof, and refusal to refund overlapping premiums/fees ). The force-placed policies were cancelled ( XX/XX/XXXX and XX/XX/XXXX, per XXXX ), but refunds havent been applied to escrow. I submitted proof months ago ( including agent coordination in XX/XX/XXXX ), but CCM continues to stonewall. XXXX ( their vendor ) wont deal with me directly and directs me back to CCM. Thank you for investigating. My Contact Info : XXXX XXXX ( and XXXX XXXX XXXX, joint borrower ) ( XXXX ) XXXX XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
COMPLAINT SUMMARY I previously submitted a written dispute and documentation request to Capital One regarding the above-referenced credit card accounts. The purpose of the request was to obtain documentation verifying the alleged balances and account agreements. Capital One responded but did not provide the documentation requested. In their response, Capital One stated that the application was allegedly completed online or by telephone and that they do not possess a signed paper application. They also declined to provide certain account records that were requested. As a result, I am requesting assistance in obtaining the following information : Documentation supporting the balances reported on the accounts Copies of account agreements or terms governing the accounts Transaction-level records supporting the balances Documentation confirming the disclosures required under the Truth in Lending Act These accounts remain disputed, and I am requesting that the Consumer Financial Protection Bureau review the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 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: CA

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went in to withdraw funds from my business account. They told me they needed to verify the funds. They gave me a time period of 7 days, it has now been seven days and they dont have an explanation on when I will receive my money. I have to run payroll and my team is frustrated. They are holding more than {$100000.00} and this is causing extreme distress.

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 2026-03-06 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 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