vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Complaint Against XXXX XXXX XXXX / Capital One Inaccurate Credit Reporting and Failure to Honor Agreement I am submitting this complaint regarding inaccurate credit reporting and the failure to honor a prior agreement related to my credit card account, originally with XXXX XXXX XXXX and now associated with Capital One. In 2025, my account was reported as 30 days late for XXXX, XXXX, and XXXX. This reporting is inconsistent with my otherwise 100 % on-time payment history and has negatively impacted my credit profile. After identifying this issue, I contacted XXXX XXXX XXXX I was offered a special repayment program and was explicitly told that if I enrolled, the reported delinquencies would be brought current. I agreed to and successfully completed this program in reliance on that representation. Following this, the account was corrected and reflected as current. However, after the account transitioned to Capital One, the previously resolved late payments for XXXX, XXXX, and XX/XX/year> reappeared on my credit report. This contradicts both the agreement I entered into and the corrections that had already been made to my account. I fulfilled my obligations under the repayment program based on Discovers representations. The re-reporting of these delinquencies after they were corrected is inaccurate, misleading, and damaging to my credit. Requested Resolution : Immediate removal of the XXXX late payment notations for XXXX, XXXX, and XX/XX/year> from all credit reporting agencies Correction of my account to reflect current status as previously agreed Written confirmation that the reporting has been permanently corrected A full investigation into why previously corrected information was re-reported after the account transition I entered into the repayment program specifically based on the representation that these delinquencies would be corrected. Reversing that outcome after the fact is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously notified TransUnion that I am a victim of identity theft and submitted supporting documentation, including an FTC Identity Theft Report, government-issued identification, Social Security verification , and proof of address. Despite this, TransUnion continues to report inaccurate personal information and unauthorized credit inquiries that can not be verified as belonging to me. The issues are as follows : 1. Failure to Correct Identity-Theft-Related Information TransUnion continues to report information associated with my file that I have already identified as fraudulent and not authorized by me, despite receiving proper identity theft documentation. 2. Unauthorized Credit Inquiries Without Permissible Purpose The following inquiries were not initiated, authorized, or consented to by me and have no verified permissible purpose : 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 These inquiries were accessed without my authorization and appear to rely on inaccurate or compromised personal information. 3. Continued Reporting of Unverified Information TransUnion has continued to report these inquiries without providing documentation demonstrating a permissible purpose or confirming that the identifying information used was accurate and belongs to me. 4. Failure to Maintain Maximum Possible Accuracy The continued presence of unauthorized inquiries and inaccurate identifying data indicates that TransUnion is not maintaining procedures sufficient to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Put in a dispute with experian was not given any info on dates, what the bill was for. Did research on my own, the company collecting was an emergency room visit on XX/XX/year> for XXXX XXXX XXXX. on XX/XX/year> I was diagnosed with XXXX. Was still feeling the symptoms a month later called my physician she directed me to not go to her office but to go downstairs from her office to the emergency room. I did just that, being XXXX was back then a pandemic. Was fully covered under my insurance company for that medical center. Did not think of asking ER Dr. if he was in my network was sick didnt cross my mind. Turns out this ER Dr. was not in my network. Never received a bill from them, 4 yrs later its on my credit report, in collections. I tried twice in past week to dispute the collection with experian.First attempt did on experian website could only put in 200 words ( not enough ). Results came back in less the 48 hours. Second dispute I called spoke with XXXX he put in my dispute, received an email to add extra did so and again 48 hrs later they updated dispute in favor of debt collector. This collection in clearly under the No Surprises Act Enacted on XX/XX/year>. I put this on the dispute and still have been turned down. I also contacted XXXX XXXX XXXX XXXX for whom this Dr. is associated with and billing me, spoke with a XXXX and she clearly did not care that I told her its in violation of the law above and said no its not. I called my insurance company and they do not have any records for claims put in on the date above from physicians. I put in a complaint with CMS.gov confirmation number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
am submitting a follow-up complaint because Bank of America has failed to properly investigate and validate a disputed account. I have made multiple requests for validation of this account. In response, the company has repeatedly provided only limited information, such as an alleged account opening date and balance, without providing supporting documentation. Specifically, Bank of America has failed to provide : A signed application or agreement A complete transaction history from account opening to present Documentation showing how the balance was calculated Evidence that I authorized or used this account The most recent correspondence dated XX/XX/year> again only includes basic summary information and does not address my request for full account-level documentation. Additionally, I previously informed the company that during the relevant time period I experienced significant hardship and did not have full control over my financial accounts. This raises legitimate concerns about authorization and accuracy, which the company has not meaningfully investigated. Providing only partial or summary information does not constitute a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB require Bank of America to : Provide complete documentation supporting this account, OR Delete the account from all consumer reporting agencies, and Cease reporting until proper verification is completed I am attaching copies of prior correspondence demonstrating the companys repeated failure to provide sufficient documentation.

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting a complaint regarding Resurgent Capital Services and an account they claim to collect, which has also been associated with XXXX XXXX. I have previously requested validation of this account. However, Resurgent has not provided any supporting documentation. ( LVNV directs you to them ) .To date, I have only received a summary of the account, with no underlying records, statements, or documentation establishing the validity of the debt. Additionally, I have made payments toward this account through XXXX XXXX. Despite this, no documentation has been provided showing how those payments were applied, nor has a complete account-level statement history been provided. Without this information, I am unable to verify the accuracy of the current balance. This account has been associated with more than one collection agency, raising concerns regarding the chain of assignment and which entity has the legal authority to collect. It is unclear how payments made to one entity have been transferred, credited, or accounted for by another. Despite the lack of documentation, this account continues to be reported. Without proper validation, the balance, ownership, and payment history of the debt can not be independently confirmed. I am requesting that Resurgent Capital Services provide full validation of this account, including all supporting documentation, complete payment history, and chain of assignment, or cease collection activity and request deletion from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XXXXClosed my Chase account due to monthly fees to keep account open . I also never received remaining funds .'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: OH

Complaint narrative:
I have reviewed the response provided by Possible Financial regarding my account. While Possible confirmed that all required payments were completed, their response does not sufficiently support the negative reporting of this account as charged off. The documentation provided shows that : All scheduled payments were made and completed The loan balance was satisfied in full However, Possible has not provided : A clear explanation of when or why the account was considered delinquent Documentation showing missed or late payments Justification for reporting the account as charged off despite successful repayment If all payments were completed as agreed, the reporting of this account as charged off appears inaccurate or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am submitting a complaint against Capital One regarding an inaccurate 30-day late payment being reported on my account. According to my records, my payment was made on time on XX/XX/year> and XX/XX/year>, or within the required timeframe. However, my account is currently being reported as 30 days late, which is incorrect and negatively impacting my credit. I have disputed this matter multiple times and it has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am a victim of identity theft resulting in a fraudulent mobile service account that was opened without my authorization. This complaint is directed at XXXX and Credence Resource Management for willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding a fraudulent {$350.00} collection account. Timeline of Events : XX/XX/XXXX : I personally reported the identity theft and fraudulent account at the original service provider 's retail location. I also hold an active civil lawsuit and an Order of Protection directly related to this identity theft. XX/XX/XXXX : Despite active court proceedings, the fraudulent account was transferred to a third-party debt collector, Credence Resource Management XXXX I discovered this {$350.00} collection account appearing on my XXXX credit report for the first time. XX/XX/XXXX : I sent certified mail to XXXX and Credence Resource Management. Each package contained my official identity theft report, government-issued photo ID, proof of address, and a formal block/dispute request. XX/XX/XXXX : USPS tracking confirms that both XXXX and Credence received their respective certified mail packages. XX/XX/XXXX : XXXX sent a rejection email falsely claiming I had not provided proof of identity. My identity documents were physically in XXXX XXXX possession when they issued this rejection. Furthermore, XXXX XXXX communication contradictorily claimed my request was procedurally deficient while simultaneously denying it on the merits. XX/XX/XXXX : Due to the continued refusal to comply with federal law, I filed a formal consumer complaint with my state 's Attorney General 's office. Specific Violations : Credence Resource Management received my certified dispute and identity theft documentation but dismissed it without conducting any reasonable investigation. They failed to mark the account as " disputed '' on my credit report as required by law. Their only response to the credit bureau 's reinvestigation inquiry was simply : " PLEASE REFER TO YOUR CREDIT REPORT ''. XXXX willfully ignored my certified identity theft documentation and failed to block the fraudulent tradeline as mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I have an amount from ProCollect Inc. of {$2000.00}. I was falsely shown as being evicted by my apartment complex for not paying charges to fix the apartment ( blinds, molding, etc. ) that I was never made aware of. I have tried to contact the collection agency multiple times to come to an agreement and explain the situation. They will not let me speak to anyone about my account and say I am only able to via email. The emails I have been given all automatically send my email back as they do not exist. They say I can not speak to anyone or ask for a pay-to-delete for the fraudulent charges. This collection agency also uses abusive and disgusting language when speaking to people and say you need to give them a reason as to why they should help you. It is also virtually impossible to even make a payment if you try. I highly recommend reading online reviews because they seem to illegal practices on thousands of people.

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 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I applied for a pay-in-4 installment loan for a handbag at XXXX XXXX. I paid using a pre-paid card from Affirm through XXXX. The item was shipped from XXXX XXXXXXXX XXXX warehouse to my local store location for pickup. I canceled the item once it was ready as I had changed my mind and no longer wanted the item. I reported a return to Affirm but was forced to continue making payments. I contacted Affirm on several occasions and was informed that the merchant needed to verify that the order was canceled. I provided confirmation emails from XXXX XXXX for the canceled/refunded order and provided the name of the customer service representative that I spoke to at XXXX XXXX to Affirm 's customer service portal where I was corresponding with an individual named XXXX. I was told what I provided, despite being exactly what was outlined by Affirm, was not sufficient and that my claim was denied. When I asked for a supervisor 's information or a direct number to call, I lost access to the portal. When I call, it is only an automated system. I need a refund for the item I returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: REGIONS FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I entered into a contract with a contractor to install windows for a total cost of {$16000.00}. Approximately {$10000.00} of this amount was financed through a loan. The windows were installed in XX/XX/XXXX, and issues began immediately, including incorrect sizing, incomplete installation, and defective components. I reported these issues at the time and was still being asked to sign completion documents despite the work not being finished. Over the following months and years, I repeatedly communicated with the contractor and the financing company, submitted required paperwork ( including certified mail ), and attempted to resolve ongoing defects. In XX/XX/XXXX, I filed a warranty claim due to a failed sliding door that created unsafe living conditions in my home. I was repeatedly redirected between the contractor and the manufacturer, each stating they could not validate the product information. On XX/XX/XXXX, the manufacturer denied the claim, stating it was not a manufacturing defect. In XXXX, I provided extensive documentation to the financing company, but experienced delays, including waiting nearly two months to receive required forms. In XX/XX/XXXX, I contacted the company again to dispute the loan. On XX/XX/XXXX, I was asked to provide documentation to reopen the complaint, which I submitted again on XX/XX/XXXX. I received no response for weeks. On XX/XX/XXXX, the complaint was denied based on warranty limitations, despite the unresolved issue that the products could not be validated. I followed up multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and received no timely response. During this time, the company reported a major derogatory mark on my credit, despite the account being actively disputed, causing financial harm.

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 2026-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PNC Bank N.A.
State: IN

Complaint narrative:
First the taxes went very high so PNC added an escrow to our mortgage so the payment went from a $ XXXX payment to a {$3500.00} and this was a rental property that we couldnt overcome the negative monthly income. So we decided to sell the property because the funds we had coming in were not going to be in time to pay the balance in time when we owed $ XXXX on the mortgage but had a $ XXXX monthly payment. We had a buyer and a scheduled date to close, so we requested payoff from PNC 3 times and the title company requested at least 3 times as well and we received 0 copies. After calling the mortgage department they said we could go into the branch and they could print it off but after nearly 2 hours in the branch and roadblock after roadblock they said they would have to send it by mail and it would take 5-7 business days. And we complained and said it didnt make sense because we requested it multiple times and still never received anything. The title company closed accepting the last statement with a balance holding back a large balance in case they needed more for a payoff. And they did which I have asked for a explanation and no one will respond. The statement says {$50000.00} due XX/XX/year> and then they claimed it was short {$1600.00} but only {$390.00} was applied of that. This was drawn out longer and now there is no transparency on where the money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: TN

Complaint narrative:
I applied for a payday loan online for {$700.00} on XX/XX/year> to help with holiday expenses. I was given {$300.00} the next day. Never received any paperwork. I have been paying the loan back bi weekly starting on XXXX in various incriminates. I have payed back a total so far of {$860.00}. I called my quick wallet and they said I still owe {$200.00}. I only received a loan for {$300.00} and they are saying my total pay back is over {$1000.00}. This is fraud. The lady i spoke to told me to email XXXX which i did to have my paperwork emailed to me. I have not had any response from the company. They are overcharging me and not giving me any paperwork to verify the amount.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> CitiBank sent me an email with a Statement Summary, Payment Due Date Saturday, XX/XX/year>, Statement Balance : {$78.00}, Minimum Payment Due : XXXX. I never requested a CitiBank credit card but it was transferred from a XXXX XXXX credit card at by XXXX XXXX. I have not received a new physical card or the new account number. On XX/XX/year> I called CitiBank and asked for my credit card account number so I can create an online and pay my bill. CitiBank refused to give me my account number. They say I may not receive my physical card for 8 weeks. CitiBank claims I owe them money for a credit card but refuse to tell me the credit card account number.

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