vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Complaint against XXXX ( XXXX ) and XXXX XXXX XXXX I am filing a complaint regarding an inaccurate debt that has been reported to collections and is now negatively impacting my credit report. Approximately XXXX years ago, I cancelled my service with XXXX ( XXXX ). At the time of cancellation, I spoke with XXXX separate representatives who both confirmed that my account had a {$0.00} balance and that no further payment was owed. Despite this, I was later contacted by a collection agency claiming I owed a balance related to this account. This debt is not valid. I relied on the information provided by XXXX representatives at the time of cancellation and was explicitly told the account was fully settled. As a result of this error : A collection account has been placed on my credit reports My credit score has been damaged despite an otherwise spotless credit history

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 2026-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I purchased a product using XXXX and my Capital One XXXXXXXX XXXX credit card in the amount of {$290.00}. The product is called XXXX and was marketed by XXXX. After receiving the product I decided to return it according to the seller 's return policy. The item was returned properly and the seller received the return successfully, according to the XXXX. Despite returning the product, the seller has not refunded my {$290.00}. I have called and also submitted the seller 's online return form and the seller refuses to refund my {$290.00}. I have also contacted both Capital One and XXXX and filed fraud claims. Both company 's have closed my case without issuing the refund. Capital One XXXX 's and XXXX have been sent documentation supporting my refund, but will not reverse the charge and issue me a refund. Please contact XXXX, XXXX, Capital One XXXX XXXX and XXXX and request a refund on my behalf. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I received an American Express Reward Card ( XXXX, exp XX/XX/XXXX ) in XX/XX/XXXX from my employer as a bonus. I tried using it online ( including at XXXX ), but could not use it as there is no name or zip code associated with it. Then it expired shortly after. I was under the impression that gift cards in the US are not legally allowed to expire and that I should be able to access the original amount minus fees. This is a no-fee card so there should still be {$100.00} on it, but I am told by American Express that it is expired and there is nothing I can do. I would really appreciate being able to access this money that I was not able to use due to it having no name attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I am disputing a {$370.00} collection from Aldous & Associates regarding a XXXX XXXX membership. I canceled this membership via telephone in late XXXX. I do not have the exact date of the call as it was over two years ago and the merchant failed to send a confirmation email, which is a common predatory practice reported by many other XXXX members. I only recently discovered this on my credit report and contacted the collector on XX/XX/XXXX. I specifically requested the XXXX XXXX XXXX ' and internal account notes from the original creditor ( XXXX XXXX for late XXXX to verify my verbal cancellation. The representative refused to provide this specific validation. Furthermore, the representative used deceptive tactics by telling me I needed to 'cancel again ' with VASA to stop charges, despite the account already being in default and collections. Since the collector can not or will not provide the internal records I requested to prove the debt 's validity, I am requesting a full deletion of this tradeline from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a credit card with Chase bank that was charged off during the XXXX pandemic. I had to sue chase bank to report my credit card accurately as I was affected by the pandemic. Chase bank settled me on this case with a payment of {$250.00} but did not report this to the credit bureaus. My account still shows " Charged off account '' " Not settled account by creditor due to pandemic ''. Chase credit card bank account ending in XXXX. I have attached the settlement document.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, my elderly parent ( the victim ) received a bill from XXXX XXXX for XXXX XXXX XXXX XXXX account they never opened. The bill reflected two fraudulent transactions on XX/XX/year> at XXXX XXXX XXXX in XXXX, XXXX totaling {$970.00}, with a balance due of {$970.00} by XX/XX/year>. The victim confirmed they had never applied for this account, never visited that store, and never authorized these charges. I contacted XXXX XXXX on their behalf, and they placed a fraud alert on the account. On XX/XX/year>, XXXX sent a letter requesting an FTC Identity Theft Report, which we filed at XXXX. We also placed credit freezes with all three major bureaus. XXXX subsequently closed the account but informed us they resolved the dispute in their favor, citing three reasons : ( XXXX ) the address on the account matched our address, ( XXXX ) the DOB and SSN matched, and ( XXXX ) billing statements were sent to our address. This reasoning is deeply flawed these factors only confirm that the identity thief had access to the victim 's personal information, which is the definition of identity theft. None of these reasons constitute evidence that the victim opened or used the account. Despite this being a documented identity theft case, XXXX is still demanding payment on the fraudulent balance and interest is now accruing due to the missed due date of XX/XX/year>. The victim should not be held responsible for charges they never made, and continuing to pursue payment and assess interest on a fraudulent account is harmful and unjust.

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 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I made a {$1600.00} payment to my Bilt credit card using my XXXX checking account through the Bilt website. The funds were successfully debited and have fully cleared my bank account. However, the payment has not been applied to my credit card balance and does not appear in my payment history. I also did not receive a confirmation number. I have contacted customer support multiple times and opened tickets ( # XXXX and # XXXX ), but have received no meaningful response or resolution. This appears to be an unapplied or unidentified XXXX payment within their system. I am requesting that the company locate the funds via XXXX trace and immediately apply the payment to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to request an urgent review and explanation regarding a {$1800.00} balance that I was never notified about, as well as an unauthorized withdrawal made from my personal checking account. Recently, I contacted Truist to close a personal credit card that I was no longer using. That portion of the call went smoothly. However, during the same conversation, I was informed for the first time that I allegedly have an additional business credit account linked to a side business I briefly operated between XXXX and XXXX. This was unexpected because : I have not used that business credit card in years, Any charges made during that time were paid off immediately, I have never received any statements, notices, replacement cards, billing alerts, or communication regarding any outstanding balance. The first time I ever heard of this alleged balance was only after I called to close a different account. Following that call, Truist sent me a letter stating that I owe {$1800.00} on this business credit account. Without my permission, Truist withdrew {$150.00} from my personal checking account labeled as XXXX PAY. I did not authorize this transfer, and I did not receive any prior notice of the charge or any billing statement for the account in question. Missing Information and Failure to Provide Documentation During my first call, I was told the statement for this account would be mailed to me. I never received anything. I called again today and repeated the request. I was told that Truist can not provide the other records I requested and that they can only send a current statement, which I should receive in XXXX days.

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 2026-03-23 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: FL

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 explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/year>, I discovered unauthorized transactions on my Golden 1 account totaling {$11000.00}. I reported the fraud to Golden 1 on XX/XX/year>, and requested an investigation. Golden 1 later denied my claim on XX/XX/year>, stating the transactions were authorized, but did not explain the factual basis for that conclusion or identify the evidence, records, device/authentication data, or other information it relied on. I then requested clarification and the supporting documentation on XX/XX/year>, including an explanation of why the claim was denied and what evidence Golden 1 reviewed. Golden 1 did not provide a meaningful explanation or the requested information. I dispute that these transactions were authorized and believe Golden 1 applied an unreasonable standard by expecting me to disprove authorization without providing the evidence supporting its denial. I am seeking a fair re-evaluation of my fraud claim, a clear explanation of the basis for the denial, identification of the evidence relied upon, and reimbursement for the unauthorized transactions and any related fees or losses if Golden 1 can not provide a reasonable factual basis for denying my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: MO

Complaint narrative:
Im filing a complaint against " CONTRACT CALLERS INC '' because they are reporting a collection account ( original creditor listed as XXXX XXXX, account # XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of 12 CFR1006.34 ( b ) ( 5 ) of Regulation F, which says collectors must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating 12 CFR1006.34 ( c ) ( 4 ) ( i ). Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which says they cant furnish information to credit bureaus without giving the proper disclosures and the chance to dispute it. They also violated 15U.S.C. 1681b, which says only accounts with a permissible purpose can be included in a consumer report. This account never had my permission or involvement, so theres no valid reason it should be reported under my name. This has caused serious and unnecessary harm to my credit and reputation. Im asking the CFPB to investigate this company and require them to : Stop all credit reporting related to this unverified account. Delete this tradeline from all consumer reporting agencies ; Provide full documentation proving the debt is real, including a contract with my signature, proof of the original creditor, and proof theyre legally authorized to collect it. If this matter is not resolved, Im prepared to pursue legal action under 15 U.S.C.1681n and 1681o for willful and negligent noncompliance with the FCRA . Their refusal to follow federal law should not be ignored. Please help get this account removed from my report and make sure theyre held accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I referred XXXX XXXX to Sofi Checking Account and she did the deposit XXXX weeks ago now. I have yet to receive the {$75.00} bonus that i was due to to receive for the successful referral.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: NC

Complaint narrative:
I am a consumer currently working to correct and improve my credit report. I have identified multiple charged-off accounts and inquiries that appear inaccurate, inconsistent across bureaus, and/or unverifiable. These items are negatively impacting my creditworthiness. Charged-Off Accounts : XXXXXXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$590.00} XXXX XXXX Account # : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account # : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account # : XXXX Date : XX/XX/XXXX Balance : {$7500.00} XXXX XXXX Account # : XXXX Date : XX/XX/XXXX Balance : {$0.00} There are concerns regarding the accuracy and consistency of these accounts. Multiple accounts reflect XXXX balances while still being reported as charged off, which is misleading. Additionally, the XXXX account appears older and should be reviewed for proper reporting timeframe. Inquiries : None listed at this time I am requesting that Equifax : Verify all accounts with proper supporting documentation Confirm the accuracy of balances, dates, and account status Review older accounts for compliance with reporting time limits Remove any accounts that can not be properly verified

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Meritize Financial Inc.
State: FL

Complaint narrative:
I signed up for XXXX XXXX XXXX also known as XXXX, XX/XX/XXXX of XXXX and requested a loan from Meritize to pay for the entire flight training. The current principle was {$66000.00} and it was sent to XXXX in XXXX installmentsXXXX XXXX went into insolvency on XX/XX/XXXX of XXXX. I had told Mertize that i needed my last payment of {$6300.00} delayed initially because i thought the school would reopen. Meritize sent over a document and we both signed it and therefore it should have been delayed. But i later called and asked for it to be cancelled a few weeks later, but they sent the disbursement on the original date instead of the delayed date and therefore i could no longer cancel. This is after i had already signed the documents delaying the payment, so it should have never been sent in the first place. In total XXXX owes me {$17000.00} in unused money that was paid. I also asked for help in this matter from Meritize and they could offer no information or advice. When I asked for information on where the money was sent to they could not help in that matter either. They sent my final payment anyway after I had already requested and signed a delay form and this didn't give me the opportunity to later cancel the disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was a XXXX year cardholder with this organization. I used the card infrequently, every few months, as this was not my primary/daily credit card. I always paid the monthly statement on time and in its entirety. In XX/XX/XXXX, I made a {$20.00} purchase on the card. The company has indicated that I enrolled in paperless billing in XX/XX/XXXX, I do not recall doing so and the company was not able to provide proof that I had done so. I did not see the email for the {$20.00} billing, nor did I see the emails for billings XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX, the company credits by account for the cumulative amount due at the time, cancelled the card and reported the delinquency to the credit bureaus. At the time, there was a {$41.00} amount that was past due greater thanXX/XX/XXXXdays on an account with a XXXX credit limit. The company made no attempt to contact me regarding the amount outstanding and did not inform me that they would be crediting the account for the cumulative amount due at the time ( XXXX ) or that they would be cancelling my card and reporting non-payment to credit bureaus. I found out about the amount due when my credit score decreased significantly. When I contacted the company immediately upon discovering this, they would not accept payment, despite my pleas with several different individuals. They also told me that I had specifically requested in writing in XX/XX/XXXX not to be contacted in the event of a collection issue- they were unable to provide proof of this when I asked for it and this is not something I would have asked for ever. Had I known that I had an outstanding balance, I would have paid it. My payment history with the organization fully supports this.

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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I discovered an unauthorized or fraudulent XXXX transaction from my account. I did not authorize this transaction and did not receive the intended benefit of the funds sent. I also made multiple attempts to contact the recipient of the funds, including the associated law firm, to request a refund and clarification regarding the services tied to this transaction. Despite initial communication, the firm became unresponsive and failed to provide the expected services or return the funds. This lack of communication and failure to fulfill expectations further supports my concern that this transaction was not handled in good faith. I immediately contacted my financial institution to report the issue, request details about the transaction, and request an investigation and reimbursement. During this process, I received conflicting information from multiple representatives and managers. XXXX representative indicated that my claim could be reopened, while another later stated that no further action could be taken. Additionally, I was informed that certain details were noted on my account that do not accurately reflect who I spoke with or the information that was provided to me, which raises concerns about the handling and documentation of my case. Despite my efforts, the company failed to properly investigate the matter, failed to provide sufficient information about the transaction, and denied or closed my claim without a clear or reasonable explanation. I also attempted to obtain assistance through local law enforcement ; however, I was not properly guided or provided the necessary documentation in a timely manner, which impacted my ability to fully support my claim during the initial stages. As a result, I have been left financially impacted without resolution. I am submitting this complaint because the company did not take appropriate action to protect my account or properly address this fraudulent activity.

Company response to consumer: Closed with explanation