vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection accounts listed as XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXXXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DCI Credit Services, Inc.
State: MT

Complaint narrative:
I am submitting this complaint regarding debt-collection conduct by attorney XXXX XXXX XXXX XXXX XXXX with DCI Credit Services , Inc . A default judgment was entered in XXXX against XXXX XXXX. I did not know about that lawsuit at the time and later challenged service. The XXXX XXXX itself later acknowledged defects in the return of service, but still denied relief. Despite the unresolved identity and service issues, collection activity was later pursued against me. Wage-collection efforts were directed to my employer, and employer communications reflected that money could be taken first and sorted out later if I proved I was not responsible. The levy materials also used the name XXXX XXXX XXXX XXXX, even though the original default judgment itself was against XXXX XXXX. I then obtained a written response from XXXX XXXX XXXX stating that it does not have any medical records for the names and date of birth I provided : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX. The hospitals response listed XXXX XXXX XXXX XXXX XXXXEven after that, collection activity continued to be pursued through counsel. I sent written notice disputing the alleged debt, identifying the identity mismatch, and warning against further wage collection efforts. My complaint is that collection activity has been pursued against me despite serious defects in service, serious defects in identity, and written confirmation from the provider that there are no medical records for my names and date of birth. I am asking CFPB to review whether this debt-collection conduct is misleading, unfair, and improper under applicable debt-collection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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:
Review this entry carefully ; there could be timing and accuracy issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On or around XX/XX/XXXX, I mistakenly transferred approximately {$2000.00} in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my Robinhood Crypto wallet address. Robinhood does not currently support XXXX on the XXXX XXXX, so the funds were received by Robinhood 's wallet infrastructure but are inaccessible to me. I immediately contacted Robinhood support ( XXXX ID : XXXX ). Over the course of XXXX emails with multiple agents ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told repeatedly that Robinhood has no recovery process. I provided evidence that other Robinhood users on XXXX had successfully received recoveries for similar situations. Robinhood acknowledged the issue but took no action. On XX/XX/XXXX, I followed up pointing to Robinhood XXXX XXXX XXXX 's public acknowledgment of this exact problem on social media. No response. On XX/XX/XXXX, I sent a formal escalation email threatening XXXX and CFPB complaints. Robinhood has not responded to this email in over 60 days. The funds exist in Robinhood 's XXXX wallet infrastructure and are technically recoverable. Other exchanges ( XXXX, XXXX ) have established recovery programs for unsupported token deposits. Robinhood 's refusal to return accessible funds constitutes an unfair practice. I am requesting a full refund of approximately {$2000.00} to my Robinhoo d account or to a wallet address of my choosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I began requesting access to funds from a jointly held certificate of deposit ( CD ) with PNC Bank prior to its XX/XX/year> maturity date following the death of the co-owner. I provided all requested documentation within XXXX hours, including the original CD and the death certificate. I was later informed that a XXXX tied to a line of credit needed to be paid before funds could be released. I paid the balance of the debt that was not mine ( less than {$900.00} ) within XXXX hours, and it was confirmed as satisfied. Despite this, the funds were not released. Over the following weeks, I received conflicting information from multiple representatives, experienced repeated delays, and did not always receive promised callbacks. I was also given inconsistent instructions, including being told at XXXX point to mail documents that had already been provided and were confirmed as received. Due to these delays, the XXXX automatically renewed into a new XXXX term without my consent. I have since been told that documents such as the death certificate were not properly routed internally, further delaying resolution. As of now, I have been unable to access my funds, and I continue to be told the issue is under review with additional delays expected. This situation has been ongoing for several weeks and is the result of internal processing failures, not customer inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, the company issued IRS Form 1099-C reporting cancellation of debt related to my auto loan account. On that same date, a principal adjustment was posted to the account. The Form 1099-C does not state that the cancellation was partial. Despite issuing the 1099-C and reducing the principal balance, the company continued to collect payments and maintained the original monthly payment amount of {$450.00}. I did not receive a revised amortization schedule, billing disclosure, or written explanation recalculating the payment amount after the principal reduction. After XX/XX/XXXX, I continued making payments in good faith. The total amount of payments made after the reported cancellation date is {$3400.00}. On XX/XX/XXXX, the company issued a letter stating that it had forgiven part of the balance and that a remaining balance of {$540.00} was still owed. This letter was issued approximately XXXX months after the XXXX effective date. On XX/XX/XXXX, during a recorded call with a representative from the XXXX XXXX XXXX XXXX, I was advised that no prior waiver letter had been sent before XX/XX/XXXX. The company maintains that it had and still has the right to continue collecting under what it describes as a maturity plan. However, my original signed retail installment contract does not contain any maturity plan clause authorizing post-term restructuring or continued collection following debt cancellation reporting. To prevent repossession while this dispute remained unresolved, I scheduled a protective payment of {$540.00} under protest in XX/XX/XXXX. This payment was made without admission of liability and while preserving my rights. My concerns are : The 1099-C was issued without specifying partial cancellation. A principal reduction was applied while the payment amount remained unchanged. No revised amortization schedule was provided after the account was materially modified. Collection activity continued despite cancellation being reported to the IRS. A partial waiver explanation was issued months later. I am requesting that the company reconcile its IRS reporting, servicing actions, and collection position, and refund post-cancellation payments if the cancellation stands as reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a termination from work final check on Friday XX/XX/year> ( employer XXXX XXXX XXXX XXXX ; initially, my bank XXXX Bank of America held the check ; then issued a statement ( in the mobile app and via automated recording ) that the check was delayed due to issuing bank XXXX XXXX XXXX not having funds available. The check was delayed over 10 days. I then received a severance check on XX/XX/year> from same employer ( XXXX XXXX ) and went to the issuing bank ( XXXX ) who said they could not cash the check because it was over the cap placed by the account holder. I asked for documentation stating my inability to obtain the funds from XXXX but they said I had to go to my bank and make the request ( bank XXXX bank ) in order to receive documentation. When I inquired at Bank of America, the Branch Manager ( XXXX XXXX, XXXX, CA ) refused to work with me on my need for documentation ; after telling me to go online she finally agreed to call the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX CA ). XXXX then reiterated her inability to provide written documentation of my inquiry and said the only thing I could do for documentation was to file a complaint with her. I did so, requesting it be logged as an inquiry for documentation. She left then returned in a few minutes and said it was filed. She then refused to provide documentation of said complaint. This all occurred on Thursday XX/XX/year> and all I needed was general documentation to show I was not able to obtain the funds for the XXXX check.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo checking account is negative and to be charging off soon and i added it to my XXXX XXXX bankruptcy and Its taken care of as I don't wont to lose it or anything like that but its taken care of i don't owe them there taken care of so im hope to keep it or opening a new one please remove the owed balance cause its taken care of threw bankruptcy

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 2026-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
This complaint is not about my mortgage or loan servicing. I am filing this complaint because the company continues to contact me by phone calls, text messages, and physical mail after I explicitly revoked consent by email. My phone number is registered on the National Do Not Call Registry, and I already requested that all communication stop. The company also acknowledged receiving my request by answering the email. Despite that, the company continues to contact me. This repeated contact constitutes harassment and may violate the Telephone Consumer Protection Act ( TCPA ). I request that all communication stop immediately and that this complaint be formally addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection accounts listed as 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX NMAC - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding an inaccurate and unverified collection account reported by Portfolio Recovery Associates for {$640.00}, originally from XXXX XXXX XXXX. I dispute the validity of this debt. I have not received proper validation of this account, including a signed agreement, complete payment history, or itemized statement showing how this balance was calculated. This account has been reporting since XX/XX/year>, and continues to be reported monthly without proper verification. Despite disputes, the account has been marked as verified without providing sufficient evidence, which raises concerns about the accuracy and investigation process under the Fair Credit Reporting Act ( FCRA ). Additionally, Portfolio Recovery Associates has failed to demonstrate that they have the legal right to collect this debt or that the account information being reported is complete and accurate. I am requesting : Full validation of the alleged debt, including all supporting documentation Proof of assignment or ownership of the debt Verification of the accuracy of all reported information Immediate removal of this account from all credit bureaus if proper validation can not be provided If this issue is not resolved, I will pursue further action for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
Was notified on XX/XX/year> that they called my estranged father about debt collection. Called back to specifically talk to the representative to communicate. Was denied to be connected w representative and could not wait on hold until representative was available. I let them know that since they can call other people about me I can wait on hold for the representative. I was denied again. Paid the debt off. They blocked my phone number. I want call logs to see who else they have contacted so I can be aware of any other repercussions that may be coming my way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 XXXX XXXX XXXX XXXX XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-04-09 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: 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 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 2026-04-09 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: CL Holdings LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection accounts listed as XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, JEFFCAPSYS XXXX XXXX XXXX JEFFCAPSYS - XXXX, JEFFCAPSYS - XXXX, JEFFERSON CAPITAL SYST - XXXX, JEFFERSON CAPITAL SYST - XXXX, JEFFERSON CAPITAL SYST - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: TX

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