vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of a XXXX credit card account. This account has been reported with conflicting balances. XXXX previously provided documentation showing a balance of approximately {$1800.00}, while the account is currently being reported to credit bureaus with a balance of approximately {$6800.00}. Both balances can not be accurate. Despite this clear discrepancy, XXXX has continued to report the higher balance and has verified the account as accurate to the credit bureaus. Additionally, this account was previously removed from my credit report and later reinserted after XXXX re-verified it, without resolving the conflicting balance information. I have also submitted an FTC Identity Theft Report and filed a police report regarding this account. Despite this, XXXX has continued to report the account with late payments, charge-off status, and an inflated balance without adequately addressing the discrepancies or the fraud claim. I have disputed this with all three credit bureaus, and each has relied on XXXX verification without addressing the inconsistency. Under the Fair Credit Reporting Act, furnishers of information are required to report information accurately and to conduct reasonable investigations when disputes are raised. Reporting conflicting balances and continuing to verify inaccurate information does not meet this obligation. I am requesting that XXXX conduct a proper investigation into this account, including both the inaccurate balance and the fraud documentation provided, and either correct the reporting or remove the account entirely if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: KEYCORP
State: CT

Complaint narrative:
XX/XX/XXXX My wife and I opened XXXXXXXX XXXX accounts at Key Bank on XXXX XXXX in XXXXXXXX XXXX on XX/XX/XXXX, at the urging of the branch XXXX who promised XXXX XXXX and rates than our money was earning at XXXX XXXX. We agreed to transfer our funds to Key Bank based on the assurances that we would always receive the same rate or better when the XXXX month term expired. At the first expiration we did indeed receive the market rate when our accounts rolled over. However, the second time the XXXX failed to uphold his obligation and without informing us in any way, the bank lowered our rate to .05 % ( from 4.35 % ). Only after receiving our year-end statements did we recognize that the bank had neglected to pay us the proper interest rate for XXXX months on the {$380000.00} that were in the XXXX accounts. The interest that we should have received comes to approximately {$6900.00}. When I went personally to the bank and asked for an explanation for the mishap, the XXXX insisted that they had notified us by mail that our rate had expired and we had ignored the notification. I requested that the XXXX show me a copy of this letter, but after half an hour he admitted that no such letter had ever been mailed. I demanded compensation from the bank, so the XXXX appealed my case to higher authorities at Key Bank. On XX/XX/XXXX, I received a letter from the office of the president of the bank admitting to an error on the part of the XXXX XXXX XXXX in submitting paperwork on my behalf. He apologised for the oversight but offered no compensation. Therefore, we expect a full refund of our lost interest ( {$6900.00} ) plus an additional {$300.00} for the loss of use of funds, time and hassle and the admittance of error by the bank. The total of our claim comes to {$9900.00}. Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — VA 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: Rocket Mortgage, LLC
State: LA

Complaint narrative:
When the government had shut down, most of the United States XXXX XXXX were not getting paid my wife XXXX XXXX had reached out to the financial institution in charge of our mortgage for a simple answer to ease tension. They advised us to apply for a loan modification during this process, we were told not to pay until the paperwork and documents were sent. The documents were sent, but we were still reported as missing payments, although we were in the process of the loan modification with the company on XX/XX/year> the modification finally processed and we received a letter in the mail with a congratulations but yet our XXXX XXXX was still affected with it stating we missed almost XXXX months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IN

Complaint narrative:
I received a call at work and I thought it was spam, I hung up Then they called my employer which is harrassment and contacting a third party about a debt I was unaware of. When I got the call back on my cell i made the XXXX XXXX aware that i hadnt received a bill AND I was disputing the charges with the rental company. I told him that I was not okay with the charges an that they never shouldve paid the rental company for normal wear and tear so at this time i was not paying him and he said all I needed was refusal sorry for what happens next so I called XXXX flex bond to go over some things and they transferred me back to him and XXXX told me if I wasnt making a payment then there was no need to talk and they know my employer so things should be easy to get their money and that he would not let me speak to a XXXX or waste anyone elses time and I let him know i dont appreciate the nonsense of disrespect and rudeness and he told me he doesnt care what i appreciate XXXX handle it how it needs to be handled for their client. The company is XXXX XXXX international. Happened on XX/XX/year> from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PATRICK A. CAREY, P.A.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX, XXXX. for attempting to collect a credit card debt without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). On or about XX/XX/year>, I formally disputed this alleged debt and requested validation, including a signed agreement, a complete itemized accounting of the alleged balance, full payment history, and proof of legal enforceability. On XX/XX/year>, XXXX XXXX, XXXX. sent a collection letter asserting a balance of approximately {$9300.00} related to a XXXX XXXX XXXX account. However, no supporting documentation was provided to substantiate the amount or my legal obligation. Despite my prior dispute and validation request, XXXX XXXX, XXXX. has failed to provide the requested documentation. No signed agreement, no complete accounting, and no evidence establishing my legal obligation have been provided. Instead, they have continued collection efforts based on unverified information. The amount they are attempting to collect has not been properly substantiated, which raises concerns that they are attempting to collect an amount that can not be validated. This conduct constitutes false, deceptive, and unfair collection practices under 15 U.S.C. 1692e and 1692f, as well as a failure to provide proper validation under 15 U.S.C. 1692g. I request that all responses be provided in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, an unauthorized transaction in the amount of {$2900.00} was processed through my XXXX account and charged to my bank account with Wells Fargo. The payment was issued to a company identified as XXXX XXXX XXXX for an item I did not purchase and have no knowledge of. I did not authorize this transaction, did not receive any goods or services, and did not provide my login or payment information to this merchant. Upon discovering the charge, I immediately contacted XXXX to report the unauthorized transaction and initiate a dispute. I was then instructed to contact my bank, Wells Fargo, to file a claim. Despite promptly reporting the issue, the matter has remained unresolved since XX/XX/year>. I have now been informed that the dispute was decided in favor of the seller, and I am being held responsible for the {$2900.00} charge. I was not provided with sufficient evidence demonstrating that this transaction was authorized by me. This situation has caused significant financial hardship for my household, as I am responsible for supporting my family who are directly affected by this loss. I strongly dispute this outcome. I did not authorize this transaction, did not receive any goods or services, and have no knowledge of the merchant. The handling of this matter raises serious concerns regarding consumer protection and compliance with the Electronic Fund Transfer Act ( Regulation E ), which provides protections for unauthorized electronic transactions. Both XXXX and Wells Fargo advised that they are unable to help me as a consumer, even after speaking to fraud managers. I am formally disputing this determination and requesting an immediate refund of the full amount of {$2900.00}. I also request that both XXXX and Wells Fargo provide documentation demonstrating how this transaction was verified as authorized, including any authentication records, IP logs, device information, or other supporting evidence used in their decision.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hello, I sent a letter on XX/XX/year> and havent heard back. Please take a moment to review it as it explains everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Company : Toyota Financial Services Product : Auto Loan Issue : Incorrect information on credit report / Failure to investigate dispute Complaint : I am filing this complaint against Toyota Financial Services regarding its repeated refusal to conduct a reasonable investigation into disputed credit reporting information. I am listed as a cosigner on the account at issue. I submitted direct disputes to Toyota explaining that the reporting associated with this account is materially misleading and harmful to my credit profile. Despite receiving my identifying information, account information, and the basis for my dispute, Toyota repeatedly responded with generic form letters claiming insufficient information and refused to conduct a substantive investigation. Toyota has failed to : * Conduct a reasonable investigation * Provide a method of verification * Explain how the reporting was verified * Provide supporting documentation * Address the inaccurate and misleading nature of the reporting The reporting continues to cause significant financial harm, including damage to my creditworthiness and adverse impacts to housing opportunities. Toyotas repeated use of boilerplate responses instead of conducting a meaningful review appears to constitute unreasonable dispute procedures and avoidance of its obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-04-28 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-04-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year> I was charged for {$220.00} by XXXX * XXXX. I used this Capital One card while traveling in XXXX as a safety measure. I wrote down every charge I made while there. Once I got home I checked my account to see the charge for {$220.00}. I did not make a purchase of this amount. All of my other transactions were correct. I also noticed that the gas I charged earlier that day was not included on the statement as it was {$64.00}. I filed a fraudulent charge with the company and they denied it saying my physical card was used. I call them and tell them about the gas station and they say they cant help me unless I get a receipt from the gas station, which isnt possible at this point. Gas station scams are very prevalent Ive read since dealing with this matter. I specifically used this card thinking they would protect me but they didnt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/year> I was notified by the courts that this case was dismissed after I was unlawfully evicted after funds had already been distributed to the complex ( XXXX XXXX XXXX XXXX. All of this happened after the funds were no longer on the premises ; it was already at the corporate office in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried several banks to open an account for both personal and business but can't. How do I fix this issue.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. I am writing to file a complaint against NAVY FEDERAL CR UNION regarding an account with the number ending in XXXX, which currently shows a balance of {$1100.00} and is reported as charged-off on my credit reports with XXXX and XXXX. I have repeatedly tried to resolve this issue, having filed previous disputes with both credit bureaus on XX/XX/XXXX, and again on XX/XX/XXXX, regarding the incorrect details reported by NAVY FEDERAL CR UNION. Despite these efforts, the inaccuracies remain uncorrected. The account status and balance reflected on my credit reports are incorrect and negatively impact my credit scores, which are currently XXXX XXXX, XXXX XXXX, and XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to expect that the information furnished on my credit reports is accurate and complete. NAVY FEDERAL CR UNION has failed to meet these obligations, as the account information continues to be reported incorrectly, causing significant harm to my creditworthiness and financial well-being. The misreported charge-off status of this account has impaired my ability to obtain credit at reasonable terms, affecting my financial stability and limiting my access to necessary financial products. I am requesting the complete removal of this account from all three credit bureausXXXX XXXX and XXXX it is inaccurately reported and continues to cause undue harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Im being forced to use paperless mortgage payments by chase bank of which I never authorized. XXXX different times I had to call them that I never received a statement. Both times they responded that a request to go paperless was made. I asked them who made the request and I didnt get a response. I am the only person paying the mortgage within my household. Chase bank even though they stated that I was on paperless didnt send me an email statement either. They are extorting me to go paperless and putting my credit rating in peril. I currently have a score of XXXX. They have lied to me on XXXX different occasions. Please compel them to stop messing with my account and lying to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I. Introduction & The FTC Holder Rule This is a formal dispute regarding a retail installment contract for a XXXX XXXX XXXX, VIN : XXXX, originally executed with XXXX, XXXX in XXXX XXXX Bridgecrest Acceptance Corp ( the " Respondent '' ) is the current holder of this contract and is therefore subject to all claims and defenses I could assert against the seller, pursuant to the FTC Holder Rule ( 16 C.F.R. 433.2 ), as explicitly stated in the contract. II. Tender and Acceptance of Payment On or about XX/XX/XXXX, I tendered a United States Postal Money Order ( Serial No. XXXX ) for the purpose of account satisfaction. As evidenced by the attached XXXX Verification of Negotiation, the Respondent successfully cashed and negotiated this instrument. Per UCC 3-311 and UCC 3-603 , the cashing of this instrument constitutes an acceptance of the terms and a discharge of the underlying obligation. III. Bad Faith and Unfair/Deceptive Practices Despite cashing the aforementioned payment, the Respondent has willfully failed to update my account balance to zero or provide a detailed accounting of the funds. Furthermore, in a " final decision email '' from XXXX dated XX/XX/XXXX, the Respondent claimed they " will not be proceeding with a sale in my name ''. This statement is not only cryptic and confusing, but also a legal absurdity, as the sale was finalized in XX/XX/XXXX, and the Respondent has already accepted and retained the proceeds of the transaction. IV. Failure to Release Lien/Title By retaining the cashed funds while simultaneously refusing to release the title or acknowledge the satisfaction of the debt, the Respondent is engaged in Unjust Enrichment and is in violation of XXXX XXXX state law regarding the release of security interests upon payment. V. Misappropriation of GAP Insurance Refund " On or about XX/XX/XXXX, I formally notified XXXX that I received confirmation from the insurance provider that my GAP insurance was canceled and the refund was issued directly to XXXX. Despite this refund being routed to the seller, XXXX has failed to provide a contractual or accounting basis for why these funds were not credited to my balance or returned to me. Instead, on XX/XX/XXXX, XXXX issued a cryptic and contradictory response claiming the 'sale is not proceeding, ' despite the fact that they are currently in possession of both my negotiated payment and the insurance refund. ''

Company response to consumer: Closed with explanation