vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am submitting this formal dispute to Experian, Equifax, and TransUnion regarding inaccurate, inconsistent, and potentially unverifiable information currently being reported on my consumer credit files. After reviewing my reports, I identified multiple discrepancies involving personal identifying information and account reporting, which raise serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ), requiring maximum possible accuracy and a reasonable reinvestigation of all disputed information. Specifically, I am disputing the inaccurate name XXXX XXXX, which I do not recognize as belonging to me. I am also disputing multiple inaccurate and inconsistent address entries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX, XXXX, WA XXXX . These addresses appear variably formatted and inconsistent, and I do not recognize or authorize all of them as part of my verified residential history. The presence of these inaccuracies raises concerns of mixed file reporting or improper association of another individuals information with my credit file. Additionally, I am disputing the reporting of a XXXX XXXX XXXX account ( ending in XXXXXXXX XXXX XXXX ) listed as a late closed account with a {$0.00} balance. This account is being reported with inconsistent dates of last activity, including XX/XX/XXXX and XX/XX/XXXX, as well as varying late payment notations, including 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The inconsistencies in reporting raise concerns regarding whether the account has been properly verified and accurately maintained. I am also disputing collection accounts reported by XXXX XXXX ( original creditor : XXXX XXXX XXXX, balance {$540.00} ) and XXXX ( original creditor : XXXX XXXX XXXX, balance {$5400.00} ). These collection accounts appear with inconsistent formatting and repeated variations across my credit files, raising concerns regarding duplication, accuracy, and proper verification. The presence of inaccurate personal information combined with inconsistent account reporting creates a misleading and unreliable representation of my credit profile. These discrepancies indicate that the information being reported may not have been properly verified or maintained in compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, a purchase of {$1200.00} was authorized through XXXX for a XXXX XXXX flight ( XXXX to XXXX XXXX, XX/XX/year> ). The total amount charged was subsequently changed to {$1400.00} an unauthorized increase of {$160.00} that was never agreed to at the time of purchase. Following the purchase, the airline made multiple post-booking modifications to the itinerary without consent including a schedule change and a separate aircraft change due to maintenance requirements, resulting in seat reassignment. These changes collectively altered the service materially from what was originally purchased. A refund was requested through XXXX, which submitted and resubmitted the request to XXXX XXXX. Both attempts were denied, with the airline classifying the changes as " minor. '' A chargeback was then filed with the bank on the basis that the service was materially different from what was purchased and that the amount charged exceeded the authorized amount. The bank denied the chargeback without adequate review. A consumer should not be charged more than the amount they authorized, nor left without remedy when the service purchased is materially altered. A full refund of {$1400.00} is being requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: CT

Complaint narrative:
Someone stole money from my account using XXXX XXXX! I tried disputing this I was given a hard time and they were really rude in the process as if they had no interest in helping! I had yet to recieve my funds back into my account! This is the first time this happened to me and I feel I was treated as a joke or as if I'm fabricating a story! Support is there to help and doesn't feel like they are trying to help this matter at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/year> : an invoice for exactly {$350.00} was created by me and sent by email and SMS to another Pay pal user. XX/XX/year> : aforementioned invoice was successfully payed by Pay pal user. XX/XX/year> : Identity verification and transaction clarification requested via Pay pal recieved and successfully submitted by myself via Pay pal app. XX/XX/year> : Pay pal delivers a notification/message to me stating that, permanantly, no services would be offered to me via Pay pal, in addition to the withholding of ( aforementioned ) funds for up to 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Im writing to file a complaint against Portfolio Recovery Associates , LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: GA

Complaint narrative:
I was a victim of identity fraud. I filed a police report and the person of interest was arrested and charged. We are now awaiting a court date a police report attached as as well as as an FTC report this telephone collection does not belong to me and Ive gotten threatened messages from collection agencies about reporting to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am writing to request an executive review of my dispute claim, which I believe was incorrectly denied despite substantial evidence supporting my position. I am a loyal Chase customer and have consistently maintained my account in good standing. I make my payments on time, responsibly use my credit card, and have utilized many of the benefits associated with my Chase Sapphire card. Because of this relationship, I am extremely disappointed with the way my dispute has been handled. This dispute involves a jacket that I purchased while traveling in XXXX. The jacket became defective the very next day after purchase when the zipper detached. This was not a case of normal wear and tear or damage occurring weeks later. The defect appeared immediately after purchase, indicating that the merchandise was faulty at the time of sale. Upon discovering the defect, I made repeated efforts to contact the merchant directly in order to resolve the issue. I am attaching my phone records, which show multiple calls to the merchants phone number while I was still in XXXX, including while I was in XXXX. These records clearly demonstrate my attempts to communicate with the merchant and resolve the matter in good faith. Despite my efforts, the merchant never provided me with a confirmed return address, return instructions, or written confirmation that a refund would be issued if I returned the item. I do not understand how I could reasonably be expected to return merchandise when the merchant failed to provide the information necessary to do so. What concerns me most is that Chase appears to have accepted the merchants statements without requiring meaningful evidence from them while dismissing the documentation and evidence I have provided. The merchant has not demonstrated that I failed to contact them, whereas I am providing records showing that I repeatedly attempted to reach them and resolve the issue. I am also filing a formal complaint regarding a customer service interaction that occurred on XX/XX/2026. During that call, I felt that the representative was dismissive, disrespectful, and unwilling to properly consider the facts of my case. As a customer, I expect to be treated professionally and respectfully, especially when seeking assistance with a legitimate dispute. As a cardholder who pays an annual fee for premium card benefits, I reasonably expect Chase to conduct a fair and impartial review when a customer presents evidence of defective merchandise and good-faith efforts to resolve the issue. I am not asking for special treatment. I am asking for a thorough review of the facts and evidence that I have submitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this formal dispute to Experian, Equifax, and TransUnion regarding inaccurate, inconsistent, and potentially unverifiable information currently being reported on my consumer credit files. After reviewing my reports, I identified multiple discrepancies involving personal identifying information and account reporting, which raise serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ), requiring maximum possible accuracy and a reasonable reinvestigation of all disputed information. Specifically, I am disputing the inaccurate name XXXX XXXX, which I do not recognize as belonging to me. I am also disputing multiple inaccurate and inconsistent address entries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX, XXXX, WA XXXX . These addresses appear variably formatted and inconsistent, and I do not recognize or authorize all of them as part of my verified residential history. The presence of these inaccuracies raises concerns of mixed file reporting or improper association of another individuals information with my credit file. Additionally, I am disputing the reporting of a XXXX XXXX XXXX account ( ending in XXXXXXXX XXXX XXXX ) listed as a late closed account with a {$0.00} balance. This account is being reported with inconsistent dates of last activity, including XX/XX/XXXX and XX/XX/XXXX, as well as varying late payment notations, including 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The inconsistencies in reporting raise concerns regarding whether the account has been properly verified and accurately maintained. I am also disputing collection accounts reported by XXXX XXXX ( original creditor : XXXX XXXX XXXX, balance {$540.00} ) and XXXX ( original creditor : XXXX XXXX XXXX, balance {$5400.00} ). These collection accounts appear with inconsistent formatting and repeated variations across my credit files, raising concerns regarding duplication, accuracy, and proper verification. The presence of inaccurate personal information combined with inconsistent account reporting creates a misleading and unreliable representation of my credit profile. These discrepancies indicate that the information being reported may not have been properly verified or maintained in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XXXX I was logged my USAA app to refinance my auto loan, and organize bills while preparing to buy a house once I return home from XXXX. Upon completion of my application, USAA logged me out of my account, and locked it so I don't have access to view any of my accounts. I immediately sent pictures of the front and back of my driver 's license as requested in an automated email, and it's now XXXX and I still have no answers about when I'll be able to get back into any of my accounts. If i call USAA and give my SSN, it gives me an automated message and ends the phone call immediately. If i call and select the option of " potential new customer trying to open an account '' and ask a representative to transfer me to the security department ( as i have done multiple times since this happened ) the agent just tells me there is nothing they can do to help. Attempting to refinance my loan over a week ago will already lower my credit score, and not being able to view/handle my bills or accounts doesnt seem productive if there actually was a threat to my account being accessed by someone other than myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: NM

Complaint narrative:
My Upgrade account has been suspended since XX/XX/XXXX following an incoming ACH transfer. I am currently unable to contact the external account holder to provide third-party verification documents. However, I can still log into my portal and verify that I have an undisputed, available balance of {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On, XXXX, 2023, I started receiving messages saying I had some suspicious activity, so I check my account every day, and the only thing I saw was an audible charge for {$16.00}, or {$15.00}. XXXX,, I called BOA, and had them to check it out, we figured out that it was XXXX of those things, where you try something for 30 days for free, and if you dont like it, its no charge. So I didnt like it the first day, so the first day was XX/XX/XXXX, but it didnt show up until XXXX,. Their was no need to order me a new bank card, It wasnt fraud, I didnt request a card, and now this last guy telling me, Im getting XXXX and its nothing nobody can do. I dont want a new card. Im a senior citizen, Im retired, I have did this too many times, its a headache, I have so many things going on with my card. He refused to listen, I been with boa for 23 years, and I feel like Im being bullied. I need my same card. I dont want a new one, I dont need it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am disputing the accuracy of Ally Financial 's credit reporting. I discovered that Ally recently changed multiple historical payment statuses that had previously been reported differently to the credit bureaus. According to a recent account update, several months that were previously reported as " Current '' or reported with a lower level of delinquency were later changed to more severe delinquency statuses. Examples include : XX/XX/XXXX changed from Current to 60 Days Late. XX/XX/XXXX changed from Current to 30 Days Late. XX/XX/XXXX changed from 30 Days Late to 60 Days Late. XX/XX/XXXX changed from 60 Days Late to 90 Days Late. XX/XX/XXXX changed from 30 Days Late to 60 Days Late. XX/XX/XXXX changed from 60 Days Late to 90 Days Late. XX/XX/XXXX changed from 90 Days Late to 120 Days Late. I have requested documentation supporting these changes, including a complete payment history, account ledger, and evidence showing why previously reported information was later modified. I have also requested an explanation for why historical reporting was changed after it had already been furnished to the credit bureaus. To date, I have not received sufficient documentation explaining the discrepancies. The repeated changes to historical payment reporting have caused significant damage to my credit profile and have made it impossible to determine which version of the reporting Ally considers accurate. I am requesting Tradeline deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
There was fraudulant loans open in my name using my Affirm account, and I contacted Affirm about these fraudulent transactions to dispute them, and they denied removing loans that were not created by me without doing a thorough investigation. This is not fair business practice, and something needs to be done about Affirm when it comes to security and false loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WA

Complaint narrative:
Im writing to file a complaint against IC SYSTEM INC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have called the XXXX XXXX company multiple times and have kindly asked for them to help me resolve this issue. When my grandmother passed away I noticed an increase in interest and fees. I called them distraught, they treated me very unkindly and would only accept the money as the response. I then investigated myself because they were very adamant on receiving my money and I saw that the payment was due on the XXXX. The company claims I paid it on the XXXX ( a day later ) but I have sent them messages with the date that I paid it from my email confirmation, the bank, and the processing confirmation. I paid the full amount of {$87.00} on XX/XX/XXXX of this year. I ask that the company kindly look into this issue. I messaged them in XXXX but still have not received a response and my account keeps accumulating interest and fees which is very worrying to me. I really wanted to use my card to continue further purchases but this has been such a sad experience I do not want to add more to the card while this issue is still ongoing. I just want it to get resolved as quickly as possible so my card does not keep accumulating interest and my credit keeps getting affected. I kindly asked the company to put the interest and fees on hold while under investigation but they have denied every solution. I really just want the issue fixed so that I may continue purchasing on the credit card. I love the scents from there. Please if I can get some help on this issue I would really appreciate it because the company keeps calling me rudely in the mornings and telling me they have debt to collect. I explained the issue to them and theyve continued to harass me with calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jacob Law Group, PLLC
State: TN

Complaint narrative:
Debt validation letter A complete itemization of the alleged debt 1692g ( a ) ( 1 ). The full name and address of the original creditor 1692g ( a ) ( 2 ). A copy of the original signed contract or agreement bearing my signature. Proof of ownership or assignment including a complete chain of title from the original creditor to the collection agency 1692 g ( b ). A Full accounting of all accounts purportedly owed, including interest, fees, and additional charges. Proof of the collection agencys authorization and license to collect debts in my state.

Company response to consumer: Closed with explanation