vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN

Complaint narrative:
I want remove the debt and credit card report on credit score. It really hurting my credit score and I can't get anything with bad credit. Please remove all debt and cancel the credit information on my account please. I really this help to be able to get back on feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am disputing an apartment collection account reported by Hunter Warfield , Inc. and published by XXXX XXXXXXXX XXXX XXXX XXXX for an alleged balance of {$2400.00}, originally attributed to XXXX XXXX XXXX XXXX XXXXXXXX. 

This account is being reported without the documentation required to establish accuracy, including a signed lease agreement and a final move-out accounting statement itemizing rent, damages, fees, credits, and mitigation of damages. 

I disputed this account with XXXX. Despite this, the account continues to be reported without identification or production of the required documentation. Apartment collections can not be verified without a final accounting. Continued reporting without such documentation violates the Fair Credit Reporting Act. 

Hunter Warfield has failed to conduct a reasonable investigation and continues furnishing unverifiable information in violation of 15 U.S.C. 1681s-2 ( b ). XXXX  has failed to ensure maximum possible accuracy and failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
I reported an accident involving the vehicle and requested written clarification regarding the status of the claim, including whether the vehicle had been deemed a total loss. Despite repeated written communication, the company failed to clearly resolve the claim while continuing to attempt automatic withdrawals from my bank account. 

After I requested that communication occur in writing and asked for clarification of the claim status, the company attempted to withdraw payment twice in XXXX day. These withdrawals are disputed and occurred without resolving the accident claim. 

I was also informed by the repair facility that the company discussed my alleged payment history with them, stating that I had not made payments for XXXX months. This statement is false. I had not owned the vehicle for XXXX months at the time of the accident and was current on payments when the loss occurred. 

Additionally, the company sent an email titled your total loss vehicle but did not confirm total-loss status or outline next steps, while continuing payment activity. This contradiction has created confusion and financial harm. 

I am requesting written confirmation of the vehicles status, cessation of disputed withdrawals during claim review, correction of inaccurate statements made to third parties, and appropriate resolution of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The previous complaint number XXXX. 
Information is not correct. 
Capital Ones response is inaccurate and contradicted by my XXXX  credit report. 

Capital One stated to CFPB that it is no longer reporting information about this account. However, as of XX/XX/year>, XXXX  continues to show Capital One reporting this account with an outstanding balance of {$2000.00}, ongoing monthly charge-off updates, and a past-due balance. 

Additionally, Capital One reported to CFPB that the charged-off balance was {$1300.00} and that the account was sold to Resurgent Acquisitions, LLC on XX/XX/year>. XXXX  instead reflects conflicting balances ( {$1800.00} charge-off amount and {$2000.00} past due ), demonstrating inaccurate and misleading furnishing. 

Under FCRA 623 ( a ) ( 5 ), once an account is sold, the original creditor must report a {$0.00} balance and cease monthly updates. Capital Ones continued reporting after sale, with inconsistent balances, is inaccurate, misleading, and harmful. 

I am requesting immediate correction or deletion of Capital Ones tradeline from all consumer reporting agencies and confirmation of compliance with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, my XXXXXXXX XXXX XXXX  debit card was charged multiple times by unfamiliar merchants without my authorization. These unauthorized transactions occurred on numerous dates and continued over several months. I reported the activity, completed dispute forms, and provided documentation listing all transaction dates and merchants. Despite this, Money Network failed to stop the activity or properly investigate and resolve the issue. 

From different unknown websites such as : XXXX XXXX  ForeclosureHomes.com A total of 21 unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom it May Concern, I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq., regarding the continued reporting of a XXXX XXXXXXXX XXXX, XXXX. ( 'JPMCB '' ) credit card account that is CLOSED yet still appearing on my consumer credit reports. 

XXXX is continuing to furnish information on this closed account in a manner that is inaccurate, misleading, incomplete, and not reflective of the accounts current legal status, in violation of federal law. 

Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information it knows or has reasonable cause to believe is inaccurate. Additionally, FCRA 623 ( a ) ( 2 ) requires furnishers to promptly correct or update information so that it is complete and accurate. 

Further, reporting a closed account in a manner that adversely impacts my creditworthiness without proper qualification or clarity constitutes materially misleading reporting, which courts have repeatedly held to be actionable under the FCRA. 

Failure of Reasonable Procedures Under FCRA 6239 ( b ) once a dispute is received-whether directly or through a consumer reporting agency- the furnisher must conduct a reasonable investigation and verify the accuracy of the information being reported. Continued reporting of this closed account without CORRECTION or DELETION indicates a faliure to maintain reasonable procedure to ensure maximum possible accuracy, as required by FCRA 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
In XX/XX/year>, I was misled into opening a Macys Store Credit Card at a XXXX XXXX  counter in XXXX. The associate represented it as a rewards or discount program, not a credit card. The application was pre-loaded on the XXXX  terminal and I was rushed to enter personal information without informed consent. Purchases totaling about {$280.00} were immediately placed on the account the same day. 

I contacted Citi Retail Services, who opened a formal investigation under Case ID XXXX. I requested that the account be closed, flagged as improperly originated/fraudulent, removed from my credit report, and that my payment of about {$220.00} be refunded. I am submitting this complaint because the account was opened without my knowledge or consent, and I want it corrected and removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
im not sure when i was sued and now im recevinig information that XXXX XXXX XXXX, PC at XXXX has a judgement for a purchased debt to freeze accounts tied to me without proper notice or proper address location All Debts contracted and Engagements entered into, before the Adoption of this Constitution, shall be as valid against the United States under the Constitution, as under the XXXXThe Supreme Court case XXXX XXXX XXXX ( XXXX ) interpreted this, stating, " A law repugnant to the Constitution is void '' and established the judiciary 's role in determining this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for inaccurate consumer reporting related to identity theft and for failing to respond to or properly investigate my disputes, in violation of the Fair Credit Reporting Act ( FCRA ). 
In XX/XX/XXXX, I obtained my XXXX consumer report and identified multiple checking account entries that I did not open, did not authorize, and do not recognize. These accounts are the result of identity theft. 
The report includes, but is not limited to, the following entries : A reported account from Bank of America, closed on XX/XX/XXXX, with an unpaid balance of {$1100.00}, reported for account abuse A reported account from XXXX XXXX XXXX closed on XX/XX/XXXX, with an unpaid balance of {$240.00}, reported for overdrafts A reported account from XXXX XXXX XXXX, closed on XX/XX/XXXX, with an unpaid balance of {$750.00}, reported for account abuse I did not open or authorize these accounts and did not engage in the activity being reported. 
Beginning in approximately XXXX, I submitted disputes to ChexSystems notifying them that these accounts were fraudulent and the result of identity theft. I have continued disputing these items for several months, including follow-up attempts. Despite this, I have not received investigation results, written responses, or confirmation of deletion from ChexSystems. 
The inaccurate information continues to be reported. 
Under 15 U.S.C. 1681i ( a ), ChexSystems is required to conduct a reasonable reinvestigation of disputed information and provide the consumer with the results. Under 15 U.S.C. 1681c-2, once a consumer reports identity theft, a consumer reporting agency must block the reporting of information resulting from that identity theft. ChexSystems has failed to comply with these requirements.

Additionally, under 15 U.S.C. 1681e ( b ), ChexSystems must maintain reasonable procedures to assure maximum possible accuracy of consumer information. Continuing to report accounts that do not belong to me demonstrates a failure to ensure accuracy.

As a result of ChexSystems continued reporting of this inaccurate and fraudulent information, I have experienced harm, including the denial of banking services and financial opportunities.

I am submitting my ChexSystems consumer report in support of this complaint.

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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Unfair 180-day Fund Retention and Arbitrary Account Permanent Suspension ( Case ID : XXXX ) Complaint Description : I am filing this complaint against PayPal for the arbitrary permanent suspension XXXX my business account and the unjustified 180-day hold on my funds until XX/XX/year>. 
I have been a loyal and compliant user of PayPal for over XXXX years ( approximately 540 days ). During this period, my business has maintained a stellar track record with consistent transaction volume and no major disputes. On XX/XX/XXXX, my account was suddenly permanently restricted. 
When I contacted customer support, XXXX was told the decision was based on " multiple violations '' of the User Agreement. However, when I requested specific details, dates, or transaction IDs to understand these alleged violations, PayPal refused to provide any information, citing " internal security. '' My arguments are as follows : XXXX. Lack of Transparency : Claiming " multiple violations '' after 18 months of flawless operation without a single prior warning is logically inconsistent. 
XXXX. Abuse of " XXXX XXXX '' : While the User Agreement allows PayPal to restrict accounts, the 180-day hold must be " reasonably needed '' to protect against liability. Holding my entire balance for 6 months without providing any factual basis for risk is an unfair and predatory business practice. 
XXXX. Financial Hardship : This arbitrary decision causes severe disruption to my business cash flow and operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems ( NCS ) is attempting to collect a {$5800.00} debt that is legally illegitimate and reported in violation of multiple federal consumer protection laws. 

The underlying eviction case in Florida had already been resolved and dismissed, yet the landlord waited over 30 days after that to report this alleged debt. I was never mailed proper written notice, nor given the opportunity to request validation within the time period required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ).

Furthermore : No written notice was mailed or emailed to my known contact methods, even though NCS had reason to know I was displaced and unstably housed due to the eviction.

When I spoke to a representative over the phone, they refused to email the debt validation, claiming it had already been sent which I never received. 
They have provided no proof of this debts legitimacy, nor have they validated how they calculated the amount. 
NCS is reporting this debt to credit bureaus despite it being tied to a court case that does not support their collection activity. 

This violates the following laws : FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Failure to provide debt verification upon request.

FCRA 623 ( b ) Failure to reasonably investigate and update disputed information.

FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting unverifiable or inaccurate data.

FDCPA 807 ( 15 U.S.C. 1692e ) False representation of the legal status of a debt. 

Additionally, this debt is the subject of an open state investigation by the Florida Office of Financial Regulation ( OFR Complaint # XXXX ) for negligent and inaccurate reporting. 

I request that the CFPB take action against NCS, including investigation, enforcement, and removal of this tradeline from all consumer credit reports. Also its been 30 plus days since I disputed and no update another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Citi Card Disputes Department, I am writing to formally dispute several unauthorized transactions that appeared on my Best Buy Citi Card account ending in XXXX. These charges occurred in XX/XX/year> and include the following XXXX XXXX XXXX XXXX XXXX  {$310.00} on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} on XX/XX/year>XXXX XXXX XXXX XXXX XXXX  {$190.00} on XX/XX/year> I did not authorize these transactions, nor have I made any purchases or ticket-related payments with these merchants. I reported these fraudulent charges previously, but I have not received a refund, and I have been charged interest on these disputed amounts, which is unacceptable and contrary to the Fair Credit Billing Act protections.

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 2026-01-03 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I provided police report number and pictures to seller. Macys refused to refund for XXXX orders not received and XXXX ordes that the liquid spilled in transit and I asked macys to cancel the XXXX and XXXX order when the first XXXX spilled in transit and they did not Orders were placed from XXXX 2024. Police dept in XXXX pa do not provide police report they provide police report number and ask that the company reach out to them if they want a copy of police report. I provided phone number to the XXXX pa police department and address to macys.

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
VALIDATION REQUEST AND NOTICE OF DISPUTE Re : XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX, CA XXXX Account # : XXXX Dear ( Debt Collector ) I am writing in response to a debt collection notice I recently received from your office. I dispute the validity of this alleged debt and request written verification to confirm this debt. 

I am also a victim of a data breach in which my personal identifying information was compromised, further supporting that this account and related activity are the result of identity theft. The unauthorized use of my personal identifying information constitutes identity theft under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Until such verification is provided, you must cease all collection activity related to this account, as required by law. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
There is an erroneous amount that I'm not responsible for. It was taken to the XXXX XXXX XXXX and I Won! It was dismissed without Prejudice. There was an incident in my Apt where the water was overrunning and soaked the entire floor. I was told that If I Leave the Apartment Complex that I would not be responsible for this bill of {$3900.00} which I not responsible for the restoration that would be through there Home Insurance that they needed to submit the incident to get it covered insurance. Instead, this unprofessional executive decided to send it to a collection Agency- National Credit System Account # XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Although this complaint is categorized as problem getting a credit card or credit limit, the actual issue is Wells Fargos failure to conduct a reasonable investigation and failure to respond to the dispute raised, despite multiple CFPB complaints.

I am not disputing the original credit card application. However, Wells Fargo continues to respond by repeatedly providing the original application and asserting that income was not entered incorrectly, which does not address the dispute raised.My dispute concerns the improper use and/or combination of income relied upon by Wells Fargo in connection with credit approval and/or credit limit determination, including income that was not mine and was entered or relied upon at the instruction of a bank employee.

Despite multiple opportunities to investigate, Wells Fargo has failed to address the substance of this dispute and has instead limited its response to restating the original application.

Specific Failures by Wells Fargo Wells Fargo has failed to : Address whether income not earned by me was relied upon for underwriting Explain how any income was verified Identify the policy permitting income to be combined in this manner Produce employee notes, internal records, or underwriting documentation related to this credit decision Conduct or demonstrate a reasonable investigation into the dispute raised Providing the original application alone does not constitute a reasonable investigation or a valid response.This is a repeat CFPB complaint because prior responses did not address the actual issue. Wells Fargo continues to answer a question I am not asking, while ignoring the underwriting and income-use concerns that are the basis of the dispute.

This constitutes a failure to comply with CFPB dispute-handling requirements.

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