vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
i purchase a ticke thhough XXXX  XXXX  on XX/XX/year> and when I checked the booking reservation, theres a Ticket Class Discrepancy for XXXX  : XXXX. This reservation have 1 stop over in XXXX. I purchase for premium Economy but after reviewing my ticket reservation, it was Premium economy - economy class. Meaning, when I change plane after stop over, my ticket was change to economy. The agent did not explain the details. I complain to XXXX XXXX who handle this situation but did NOT resolve the issue. I complain to AFFIRM ( credit/loan company ) and tried to dispute this but they did not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
This account was paid in full on XX/XX/year> through the assigned collection agency ( XXXX XXXX XXXX ), and the collection tradeline has already been removed from my credit report. 

Despite the balance being XXXX and the debt being resolved, Comenity Capital Bank continues reporting this account as a charge-off with derogatory payment history. 

I disputed this account with the credit bureau and the company only partially updated the account instead of removing the inaccurate negative reporting. 

This reporting is misleading and unfair because the debt has been resolved. I am requesting full removal of this tradeline from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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 to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Told them cease and desist im never going to pay it was fraud involved and its not my obligation

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 2026-01-26 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My name is XXXX XXXX and XXXX XXXX XXXX was an agency referred to me as a highly recommended company to work with as XXXX did a new coverage on them. Since working with them I have had a TON of issues. I went through the counseling process back in XXXX providing them with the creditors I have accounts with and was advised that my first payment will be taking from my account on XX/XX/XXXX. Every time I contact XXXX XXXX XXXX ; I am being told new information. Such as, once the money is deducted from the account, the money will be disbursed on the XXXX of each month to the creditors. The reason I found this out was because I noticed my accounts were never paid. When I contacted XXXX XXXX XXXX about this, I was told that the payments were sent to XXXX XXXX electronically, but Navy Federal Credit Union monies are sent via check. Since then, every month my account is past due, and the money sent isnt received on time. When XX/XX/XXXX came around, I noticed that the money was sent out on XX/XX/XXXX. I contacted the company to inquire as to why the payment was sent on the XXXX instead of the XXXX how I was previously informed. I was told that the payments are sent out to creditors 7 days AFTER the money is deducted withdrew from my account. Again, this is new information provided as well. This also made me late AND past due with my creditor and now, XX/XX/XXXX the payment has still not posted. I contact Navy Federal directly and they informed me that the check still has not been received. I am COMPLETELY dissatisfied with not only XXXX XXXX XXXX but Navy Federal Credit Union. 

When contacting NFCU, I keep being told that there is nothing they could do until my account is past due, now that my account is past due they said they can not do anything for me until my account is up to date. NFCU does nothing to help those who are needing assistance. I was also told by managers that mail was sent to me dated XX/XX/XXXX regarding my accounts. I did not receive these documents until XX/XX/XXXX! Each time I call to ask about additional information they tell me that they can not assist me or that they can not provide information regarding MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB
State: OH

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing unauthorized debit card transactions associated with identity theft. I provided Bank of America with an FTC Identity Theft Report and two police reports documenting the fraud. 

When I initially contacted Bank of America, I was informed that a temporary ( provisional ) credit was due to post while the debit card fraud investigation was ongoing. However, upon subsequent calls, Bank of America representatives stated they could not see any pending temporary credit and could not explain whether a decision had been made. 

Bank of America representatives have advised that the matter is handled by a debit card fraud team that operates separately, and that customer service and fraud representatives do not have visibility into that teams investigation or provisional credit decisions. As a result, I have received conflicting information and no written explanation regarding the status of provisional credit or the investigation. 

I am requesting that Bank of America : Provide a written determination explaining whether provisional credit was considered, approved, or denied, and the reason for that decision ; Clarify which department is responsible for the debit card fraud investigation and provisional credit decisions ; Confirm that my FTC Identity Theft Report and police reports were reviewed as part of the investigation ; Ensure compliance with Regulation E error-resolution requirements, including timely notice and explanation of findings.

I am filing this complaint because I have been unable to obtain consistent or transparent information through Bank of Americas customer service channels.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Associates, for years, billed me and refused to remove an account that was fraudulently opened in my name and with my SSN. Due to the negative impact on my credit report, I paid the debt so that issue could finally be resolved. At time of payment, I requested a pay to delete option, to put the entire issue behind me and move forward. My request was not granted. I have since disputed and submitted documentation of the paid account from Portfolio Recovery with my dispute. XXXX has removed the item, HoweverXXXX XXXX  reports the item as updated with no changes nor has the item been removed. I am once again writing to you with the request that the item be removed, as the account was never mine. Thank you so much with all of your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
CITIZENS BANK HEADQUARTERS IN XXXX RHODE ISLAND CLOSE MY BANK ACCOUNT WITHOUT EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a written cease-and-desist notice to the company pursuant to 15 U.S.C. 1692c ( c ), stating that this phone number is not associated with any debtor, that I have no business relationship with the company, and directing them to cease all communications. 

Despite this notice, the company continued sending automated collection text messages, including messages containing payment links. 

On or about XX/XX/XXXX, the company acknowledged in writing that this is a wrong-party number and that I am not associated with any active account. However, the automated collection texts continued after this confirmation. 

These communications occurred after both a written cease-and-desist and written confirmation that the number does not belong to the debtor, and therefore constitute continued unlawful contact and harassment in violation of the Fair Debt Collection Practices Act, including 15 U.S.C. 1692c ( c ) and 1692d. 

I have retained screenshots of the post-cease-and-desist text messages, including messages containing payment links and balance review demands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On our about XX/XX/XXXX, I contacted the bank to advise that my ATM card was used without my authorization. I closed my ATM card and I closed my checking account. After several telephonic calls to the bank customer service department, bank branch and demand letter requesting a full investigation, the bank has refused to returned my money/credit claiming that I was present " in person ''. I have disputed that I did not use my ATM for the transactions disputed. XXXX of the transactions were made out of state and I have never left the state. I also reported a police deport. On XX/XX/XXXX, I mailed a Demand for a full Investigation to TD bank. I requested a full investigation of their erroneous conclusions. The bank has never made an investigation. I believe that these frauds are beign done internationally. I demand my money be credited to my new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My account was closed without any warning and now I can't access my funds. This is causing me to be late on my bills

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 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dispute Cases In the XX/XX/year> I applied for and paid an application fee and a deposit for an apartment community that I didn't move into. The leasing office texted me and indicated they wanted to confirm my then address so that they could mail me my refund check. I immediately replied with confirmation however months passed with no further contact from their organization. I made repeated efforts to reach out to them via email, phone and text messages to resolve. The corporate, leasing and reginal managers offices never responded back. Thereafter I filed cases for the transactions, submitted screen shots and emails of the communication with XXXX XXXX to Navy Federal and they denied the dispute. NFCU claims that the money was non-refundable and that this was disclosed to me when I paid the funds. NFCU has now debited my account for the provisional credit for a claim that they should have approved in the first place. They have a history of not applying logic and making decisions that don't make sense and only benefit them and not the consumer. I feel taken advantage of by XXXX XXXX and NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
I received a email on XXXX from Discover Bank that I would be receiving a replacing card as mine would be expiring soon, on XXXX I received the new card and XXXX so I activated the card so that I could use it that day for a small purchase and it was declined. I called Discover Bank, and was advised that on XXXX that Discover Bank had a " THIRD PARTY VERIIFICATION COMPANY '' email me and call me leaving me a voice mail to confirm my income, That they only reached out and tried to contact me " ONCE '' that I failed to response by XXXX. That Discover themselves never attempted to contacted or reached out to me themselves. So I was than told that Discover Bank is now in the process of closing my account, and that regrettably there is nothing that can be done at this point. So asked why Discover Bank never reached out, and was advised they contract that work out to the third party company. I find this disturbing and very confusing for several reasons In this day of scammers, and people trying to steal your financial, personal, phishing and identity theft that Discover Bank would think the customers would feel safe sharing with information a third party company. We see that so many of these companies are hacked Secondly, I find it interesting as I have a Discover checking account and receive a large amount of income though this account as direct deposits and pay this pay this credit with my Discover Bank checking..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Subject : Complaint Against BMO for Misapplication of Principal-Only Payments on My Loan Complainant : XXXX XXXX I am filing a formal complaint against BMO Bank regarding the servicing of my loan and the repeated misapplication of my payments.

I have a simple interest loan with BMO ( boat loan ). I regularly make my required monthly payment and, in addition, I make extra payments that are explicitly designated in BMOs system as Principal Only payments.

Despite clearly selecting and confirming Principal Only when submitting these additional payments, BMO is still applying a significant portion of these payments to interest instead of principal.

This is not an isolated incident. I have multiple statements and transaction records showing that : Payments marked as Principal Only were not applied fully to principal Interest was charged and/or paid from these payments anyway This directly contradicts both the payment instructions I selected and the purpose of a principal-only payment There is nothing in my loan contract that prohibits principal-only payments. This is a simple interest loan, and the banks own system allows principal-only designations.

This appears to be a loan servicing error and possibly a systemic issue in how BMO processes or allocates extra payments.

I am requesting : 1. A full audit of my loan payment history 2. Reapplication of all misapplied principal-only payments 3. A refund or credit of any interest that was improperly charged or paid 4. Written confirmation that future principal-only payments will be applied correctly I am attaching documentation showing the payment designations and how the funds were actually applied.

I am asking the CFPB to investigate BMOs servicing practices and require them to correct this issue. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX {$2600.00} Charge off still on my credit report LVNV Funding LLC {$9200.00} LVNV Funding LLC {$2300.00} Cavalry Portfolio services {$1900.00} All went to collections never got validation on accuracy amounts were wrong and debt got paid/ charged offs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CT

Complaint narrative:
Yesterday morning ( XX/XX/year> ), I woke up to my account being restricted. I recieved a notification that there was unusual activity on my account and to contact E * Trade ( Morgan Stanley ) to fix the issue. The agent that answered transferred me to an agent he reported can better assist. The agent that I was transferred to stated I had some deposits from my XXXX account and now the bank is requiring an account statement from XXXX XXXX. I explained that its an app and they did not provide that. I was a bit confused because I did not know why my casino plays was any of E * trades business. As I confirmed the transactions were me that should suffice. Either way I sent a copy of my transactions with XXXX XXXX, a bit later in the day I contacted E * trade again as my account was restricted and we were in the middle of a major snow storm and I needed access to my money. The rep that answered stated the department that handles restrictions is closed and they will not be in until Monday as they only work XXXX. I called Monday morning and was told I had to call back later in the morning as the department that handles was not open as yet. I called back an hour later and was told the bank needed a screen shot of my profile information foXXXX XXXX XXXX. I submitted the information as requested, however still do not have access to my funds and I run the risk now of having items returned on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I WAS ROBBED AND JUMPED AND THEY TOOK MY MONEY OUT MY BANK. I submitted dispute and they denied me. GIVE ME MY MONEY. Ive submitted evidence and everything. Chime bank give me my money!!!!

Company response to consumer: Closed with explanation