vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing this complaint because Capital One XXXX utilizes deceptive user interface designscommonly known as " dark patterns '' and intentionally confusing tracking mechanisms to manipulate consumers and deny promised cashback bonuses. I attempted to utilize a promotional bonus offer for multiple purchases on XXXX at different times. The app prominently advertised the incentive but buried highly restrictive terms ( such as forcing the checkout into a single transaction and requiring complex cookie tracking sessions that easily break ) deep within the fine print. When I needed to alter my transaction to get a better price elsewhere, the app completely locked me out of the bonus and refused to roll it over to the next transaction, despite my fulfilling the spirit of the promotion. The app is engineered to collect my valuable shopping data and drive sales for the retailer, while utilizing technical loopholes to avoid paying out the reward to the consumer. I feel intentionally misled and manipulated by these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I started receiving phone calls constantly from a debt collector I had no knowledge of i advised the company of that but they refused. They are very aggressive. They never sent a letter my mail or anything because i had stated if this debt apparently belong to me send it to the address on file I never received anything a few months later a collection was on my credit reporting. I knew it was not accurate. I have documentation where i have disputed the collection twice but Caine and Weiner and the credit bureaus refuse to remove inaccurate information which is not FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Trafficking Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 1. Violation of 15 USC 1681s-2 for disseminating inaccurate information. At the time of entering into this agreement I was an uninformed consumer as the terms and conditions were not presented clearly. A conspicuous option on how to opt out of credit reporti XXXX XXXX XXXX XXXX Account Number : XXXX Block and Delete this unauthorized item from my consumer file immediately! 2. Violation of 15 USC 1681s-2 for disseminating inaccurate information. At the time of entering into this agreement I was an uninformed consumer as the terms and conditions were not presented clearly. A conspicuous option on how to opt out of credit reporting CENTRAL PORTFOLIO CONTROL Account Number : XXXX Block and Delete this unauthorized item from my consumer file immediately! 3. This item was furnished hard inquiries without permissible purpose and without having my written authorization. Creditors and date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Block and Delete this unauthorized item from my consumer file immediately! 4. This item was furnished without permissible purpose and without having my written authorization. XXXX XXXX Date of inquiry : XX/XX/XXXX Block and Delete this unauthorized item from my consumer file immediately! 5. Violation of 15 USC 1681s-2 for disseminating inaccurate information. At the time of entering into this agreement I was an uninformed consumer as the terms and conditions were not presented clearly. A conspicuous option on how to opt out of credit reporting SBNA Account Number : Block and Delete this unauthorized item from my consumer file immediately! 6. Violation of 15 USC 1681s-2 for disseminating inaccurate information. At the time of entering into this agreement I was an uninformed consumer as the terms and conditions were not presented clearly. A conspicuous option on how to opt out of credit reporting XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. Sincerely, Enclosures Proof of identity Trafficking documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX a payment was submitted to XXXX XXXX for the amount of {$530.00}. The payment was sent back due to insufficient funds. On XX/XX/XXXX I made the payment again via debit card for the amount of {$530.00} to cover the payment that was returned to prevent my electronic to shut off. Well that same day XXXX resubmitted the first payment AGAIN and it was taken from my account so there was a double payment. Which I have called Chase 3 times and have been told that I will see a credit on my account until they investigate I guess. Although Its been confirmed by XXXX of the representatives that they can see the double charge and that nothing else was needed. Well then I get an email that I need to upload some proof ( not sure what when everything is showing in my bank account ) I upload a screenshot of email confirmation from XXXX that the payment went through with my debit card also. I then called after uploading it and the person I spoke to then said nothing was needed to disregard the email and that my credit will be in my account and its not still. I did not get anyones names because it was difficult to understand their names due to strong language barriers. I want my {$530.00} back as XXXX has received double payment. Lets remember ALL CALLS ARE RECORDED!!! Please have them listen to their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: MI

Complaint narrative:
XXXX XXXX customer service has been extremely disappointing and unprofessional throughout my experience. In addition to being strung along for months with no meaningful resolution regarding issues with my checking account, the level of professionalism displayed by their staff has been unacceptable. During XXXX call with a supervisor, he mistakenly failed to place me on hold while speaking to a coworker about my situation. I clearly overheard him say, This is going to XXXX, he wont be happy, in reference to informing me that XXXX would not be able to recover my funds. Hearing a supervisor discuss a customers financial hardship in such a careless and dismissive manner was both inappropriate and deeply concerning. At every stage of this process, I have felt ignored, misled, and treated as though my situation was an inconvenience rather than a serious matter requiring urgency and professionalism. As a customer trusting XXXX with my finances, I expected significantly better communication, accountability, and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

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 2026-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
b'Transworld System Inc. (TSI) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not provided proof of assignment/chain of title for a debt in which they are attempting to collect and misrepresentation: falsely claiming ownership or status of a debt. I am a victim of identity theft and of numerous data security breaches where my personal identifying information has been repetitively compromised. XXXX XXXX XXXX as mentioned on the letter from Transworld Systems Inc. being one of the entities that mishandled my personal identifying information. Call placed to TSI on XXXX requesting proof of assignment/chain of title for a debt.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX (XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not provided proof of assignment/chain of title for a debt in which they are attempting to collect and misrepresentation: falsely claiming ownership or status of a debt. I am a victim of identity theft and of numerous data security breaches where my personal identifying information has been repetitively compromised. Ally Financial Inc. as mentioned on the letter from XXXX XXXX XXXX being one of the entities that mishandled my personal identifying information. Call placed to XXXX on XXXX requesting proof of assignment/chain of title for a debt.'

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 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Back in XXXX of XXXX I made a purchase from XXXX and took a loan out with affirm to pay for it. In that order there were several items but specifically I purchased 4 sets of speakers that were advertised as XXXX XXXX XXXX XXXX XXXX and also advertised for use on boats atv .. etc. I had them installed in my boat and took the boat out with some friends. While out on the water I noticed that one of the speakers ink from the XXXX logo had bled off of the speaker and stained the white interior of my boat. Immediately after pulling the boat off the water, I notified XXXX of the damage and was told to take the speakers to XXXX XXXX in XXXX Ca. and I would receive a full refund. I did exactly as I was told and took them back however I did not receive a full refund. After several failed attempts to resolve the issue with XXXX I discovered their 3rd party seller returns policy. This policy which my order falls under states I am supposed to be given 2 options 1. receiving prepaid postage to a place within the us to send the merchandise back to or 2. Im able to keep the merchandise and given a full refund backed by XXXX XXXX Guarantee. To qualify for this policy the order was to be sold and shipped by a 3rd party seller, which it was. XXXX never mentioned this policy or gave me either of the 2 options. I then decided to dispute it through affirm since I wasnt getting anywhere with XXXX. Once again I have had several failed attempts to dispute with affirm deciding against me. I have submitted all the evidence I have that shows the damage to my boat, voice recordings with the different representatives I have spoken with, proof of the returns being received by XXXX and proof of the less than full refund. Affirm has all of it as well and still has failed me. There remaining portion of the refund is still being charged to me and interest is adding up for merchandise I do not have possession of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am a Citi credit card holder. Someone obtained my credit card number without my knowledge or authorization and made fraudulent purchases totaling over $ XXXX. I still have my physical card in my possession and did not authorize these charges. At no point did Citi notify me of any suspicious or unusual activity on my account. I only discovered the fraud when my credit score dropped significantly - from XXXX to XXXX, a dropp of XXXX points. I have filed an Identity Theft Report with the FTC and disputes with all three credit bureaus. Citi has opened an investigation but has provided no timeline for resolution and has not applied a provisional credit to my account. They also have not notified my the credit beareau. Citi 's failure to alert me to suspicious activity caused dignifiant damage to my credit score and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am responding to information that your company has reported to the credit reporting agencies and/or is attempting to collect from me regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor. 2. The account number associated with the alleged debt. 3. Documentation showing I am legally obligated to pay this debt. 4. A complete payment history, including the amount claimed to be owed. 5. Documentation showing your authority to collect on this debt. 6. Proof that the debt amount is accurate and legally enforceable. Until such validation is provided, I request that all collection activity cease and that any reporting of this account to consumer reporting agencies be marked as disputed. This letter is not an acknowledgment of liability, nor is it a promise to pay. I am exercising my rights under federal law to request validation of the alleged debt. Please respond in writing to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Subject : Immediate Refund Demand : Shellpoint Overcharged Shared Appreciation Payoff Using Phantom Sale Price Complaint Narrative : I am a XXXX senior citizen in California. I am filing this complaint to recover an explicit, clear-cut mathematical overcharge collected by Shellpoint Mortgage Servicing during my escrow closing on XX/XX/year> ( Loan ID : XXXX ) ( p. 1 ) .Shellpoint committed a severe calculation error on my 25 % Shared Appreciation rider. My home legally sold for {$410000.00}, which is explicitly verified on my final, certified Closing Disclosure. However, Shellpoint calculated my equity payoff using a phantom, unexecuted contract price of {$420000.00} to demand a payoff of $ XXXX exact math of their overcharge is as follows : Shellpoint 's Stated Demand : {$54000.00} ( which mathematically assumes a sale price of {$420000.00} ) .The Actual Legal Calculation : {$410000.00} ( Actual Legal Sale Price ) minus {$200000.00} ( Contract Beginning Price ) = {$200000.00} in true appreciation. 25 % of this amount equals $ XXXX.The Total Overcharge Amount : {$54000.00} minus {$50000.00} = $ XXXX.Shellpoint has unlawfully retained {$4300.00} of my home equity by using data from an unexecuted contract rather than the final, legally binding settlement statement. I demand that Shellpoint audit the attached certified Closing Disclosure, admit this blatant calculation error, and immediately issue a refund check to me for exactly {$4300.00} NOTE : This is my third complaint against Shellpoint resulting in two blatant overcharges on the same loan.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: HUNTINGTON NATIONAL BANK, THE
State: AL

Complaint narrative:
My account was hacked and the bank did not let me know that it occurred. The bank allowed 18 transactions from XXXX XXXX in the amount of XXXX on XX/XX/XXXX - each to clear and depleted both my savings and checking account. The bank has denied my first claim. I have sent copies of my communication with XXXX to validate the transactions were not made by me via my XXXX account. I filed a police report and sent that to the bank as well. I have spoken with Managers and Supervisors in the Dispute Department of XXXX XXXX XXXX in XXXX - all stated it was clearly fraudulent activity due to the transactions happening within seconds of each other. I still do not have my money back for 13 of the transactions. I have 2 active open claims that had to be resubmitted due to errors made by employee on XX/XX/XXXX. The bank has not provided me with a provisional credit. I did not make these transactions and I need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, fraudsters opened a Checking Plus Line of Credit without my consent in the amount of {$3700.00}. I didn't know this occurred because Citibank froze my accounts on that date and I didn't have any access to know what was going on. Yesterday I received my banking statement in the mail and that is when I saw that this was also done by someone without my knowledge even though my credit report has had a fraud alert on it since XXXX due to a breach at my husband 's company that clearly states that no credit lines can be open without further verification by phone that I have to provide. It also has my correct telephone number listed on the report of XXXX. I never received a phone call from Citibank.

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 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Try XXXX get Experian to stop selling my credit report to XXXX party vendors but can not get a response

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 2026-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation