vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My Truist bank account had {$60000.00} taken out of it in fraudulent charges in XX/XX/year>. I diligently worked to try to get this resolved and the bank denied to give me any form of my funds back although it was clear the charges occurred in XXXX different states and in another country. Truist denied to give back the fraudulent charges, never gave me a temporary payment of the funds, and refused to talk to me after they said the money wouldnt be given back. I called the company number on the letter, it is the number they say to call if you believe they made a mistake by denying your claims. They said they couldnt verify I was who I said I was, although, they had spoken to me SEVERAL times prior to this event and I have always used the same info to verify myself. I responded the email they gave on the letter and the bank has never responded back to me. This event sent my account into the negative and they have certainly made sure to send me letters saying I OWE THEM MONEY though!! I am aware now that there was a class action lawsuit against this bank because they were literally selling peoples information. I am 100 % certain the bank proceeded this way because they did not want to pay back {$60000.00} as legally obligated. When these charges occurred and it was XXXX XXXX dollar charges made back to back, the bank failed to notify me that my account may be hacked or pick up the charges were clearly fraudulent, this is another way the bank has failed to perform its required duties.

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 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I made the payment on time, yet these entries inaccurately reflect my payment history. I demand immediate correction and will not accept any false reporting that harms 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 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I made the payment on time, yet these entries inaccurately reflect my payment history. I demand immediate correction and will not accept any false reporting that harms 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 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/XXXX - I called Ally told them about upcoming issues due to Bank issues with my account as I needs to re enroll with auto pay - over the phone they helped me set up autopay- they never set up auto pay and the payments have been removed from my acct. from XXXX I thought my auto pay was set up and removed from my account each month and I paid a extra couple of XXXX a month to help with payments. XX/XX/XXXX - XXXX received a letter in the mail telling me I have missed XXXX payments - I have called and set up payment plans to catch up. I am NOT SURE IF I NEED TO PAY MY MONTHLY PAYMENT AND CATCH UP AT THE SAME TIME - ALLY customer service was not able to tell me yes or no over the phone- I have called 3 times and nobody is able to give a proper answer - they keep pushing me to pay my full loan ASAP instead of helping me. I AM SO MAD AND FRUSTRATED

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Multiple inquiries on credit from credit card companies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: OH

Complaint narrative:
I am a former tenant of XXXX XXXX XXXX ( Unit XXXX ), managed by XXXX. XXXX XXXX. After moving out on XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$670.00}. This amount did not match my Final Account Statement from the creditor, which showed a balance of {$340.00}. The amount was later corrected to {$340.00} after the property manager called XXXX XXXX, which she characterized as a " one time courtesy. '' The {$340.00} balance itself is inaccurate for two reasons : 1. It includes a {$330.00} carpet cleaning charge that the property manager ( XXXX XXXX XXXX explicitly waived in a written email on XX/XX/XXXX, stating : " We did not charge you a carpet cleaning fee because your carpet was older than XXXX years. '' I relied on this and did not arrange my own carpet cleaning. They charged me anyway. 2. During my tenancy, I was overcharged for water every quarter ( XXXX XXXX through XXXX XXXX ) because the property manager confirmed by phone on XX/XX/XXXX that my water account was swapped with a neighbor 's for my entire tenancy. These overcharges totaled {$320.00} ( per the creditor 's own Final Account Statement ) and caused my monthly bills to exceed my {$2500.00} autopay limit, generating {$490.00} in late fees that would not have occurred with correct billing. I filed a formal FDCPA dispute on XX/XX/XXXX. XXXX XXXX corrected the amount to {$340.00} but has now stated they have fulfilled their validation duty and will not respond to any further requests. The creditor ( XXXX XXXXXXXX XXXX ) has refused to respond to any of my written communications and cut off direct contact. I am requesting removal of the {$330.00} carpet cleaning charge ( waived in writing ), refund of {$490.00} in late fees caused by the creditor 's billing errors, and withdrawal of the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX reporting a collection account on my credit report in the amount of {$660.00}. I do not recognize this debt and have not been provided proper validation. I am requesting full verification of this account, including the original signed agreement, complete account history, and documentation proving XXXX XXXX XXXX has legal authority to collect this debt. I also request verification of the accuracy of all reported information, including balance, dates, and ownership. This account was previously removed from my credit report and has since been reinserted. I did not receive proper notice of reinsertion as required under the Fair Credit Reporting Act. I am requesting documentation showing compliance with reinsertion requirements, including proof of notification and verification used to reinsert the account. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if this account can not be fully verified and accurately reported, it must be removed from my credit report immediately. I am requesting that this matter be investigated and resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I received an image of a prepaid debit card valued at {$50.00}, from an out-of-state relative. The card image was sent via text msg. I attempted to load the card image received to XXXX XXXX. I was unsuccessful in loading the {$50.00}, utilizing the card number, expiration date, and security code from the card image. I immediately made contact with the relative who submitted the card image to me. I informed this relative I would follow-up with her the following day, as I was unable to load the funds to XXXX XXXX XXXX After continuously following up over the next four days ( via numerous texts and calls ), the relative refused to respond. Something appeared out of sync.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a U.S. Bank credit card holder enrolled in an unlimited rewards program that required maintaining a {$100000.00} qualifying balance. In or around XX/XX/year>, U.S. Bank required me to move that balance from a savings account to a checking account in order to continue qualifying for the rewards program. I complied, despite the checking account paying significantly less interest than my savings account representing a direct financial cost to me. What I was not told at the time and only discovered within the past month is that U.S. Bank simultaneously made two additional changes to the rewards program : ( 1 ) the unlimited 4 % cash back rate was reduced to 2 %, and ( 2 ) the additional 2 % bonus was capped at a maximum spend of {$10000.00} per year, effectively making the program a standard 2 % card. These changes were never communicated to me. I was not notified by email, mail, or any other channel before or after the changes took effect. This is a compounded harm : I was first required to restructure a significant deposit relationship at a personal financial cost, under the premise of maintaining an existing rewards benefit only to have that benefit quietly and materially degraded at the same time. Had I been informed of the rewards changes, I would not have agreed to move my funds to the lower-yield checking account. When I contacted U.S. Bank, I was told the changes were permitted under the card 's terms and conditions. However, the failure to provide advance notice of changes this significant particularly alongside a requirement to restructure a {$100000.00} account is deceptive and inconsistent with fair consumer practices. I am requesting that the CFPB investigate and require U.S. Bank to : ( 1 ) provide documentation of when and how these changes were communicated to cardholders, ( 2 ) restore the original 4 % unlimited rewards rate or provide retroactive compensation for the difference, ( 3 ) compensate for interest lost as a result of the forced account migration, and ( 4 ) commit to proper advance notice for any future material changes to rewards terms.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX my clients give me a check ( {$9000.00} dollars ), the check was clear the next day at my account. Apparently someone ( stole or found the company check ) and deposit again on XX/XX/XXXX. The bank of my client view that and informed that, and said they will cancel the second deposit ( they did and return the money to my client on XX/XX/XXXX ). On XX/XX/XXXX ( CHASE my bank ) took the {$9000.00} dollars from my account and after that NO BUDDY NOW WHERE IS MY MONEY. Is so frustrating that I deposit and trust on my bank and they can't tell my where and who has my money, we has a lot of problem and fee paying cause we count with that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: MA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX. I received a collection bill of {$1800.00} from UNIFIN, Inc from XXXXXXXX XXXX XXXX XXXXXXXX dated XXXX. The UNIFIN reference # is XXXX. The original account # ends in XXXX. The bill is under XXXX XXXX. That's not me. I also checked my credit report and they attached part of the name to my report, XXXX XXXX. I would like for that name that's not mine to be taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting by OneMain Financial on my credit report. This account is being reported with conflicting information. It is reflected as a charge-off/closed account, yet it also shows as open in some instances and continues to report ongoing monthly delinquencies after the charge-off date. This is misleading and not an accurate representation of the account status. Additionally, the payment history appears to show continuous late payments even after the account was charged off and closed, which is not consistent with proper credit reporting standards. A charged-off account should not continue to report as newly delinquent each month in a manner that misrepresents the status of the debt. These inconsistencies raise serious concerns about the accuracy and reliability of the information being furnished. Under the Fair Credit Reporting Act, all reported information must be complete and accurate. I am requesting that OneMain Financial conduct a proper investigation and either correct the reporting to accurately reflect the true status of the account or remove the account entirely if it can not be properly verified. Failure to correct this inaccurate reporting is causing ongoing harm to my credit profile. Please provide documentation supporting the current reporting, including the charge-off date, account status classification, and method of verification used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year> I was a victim of an unauthorized phone ESIM swap through XXXX XXXX which allowed the hacker to gain full access to my phone. They were receiving all of my text messages due to me losing immediate cell phone service. They were able to access all of my apps and emails and were able to change passwords to the apps and for my email since they were receiving the one time authentication codes. Within minutes the hacker was able to gain access to XXXX different applications placing unauthorized transactions and causing financial distress. Those XXXX applications were Cash App, XXXX and XXXX. The hacker was able to login into my Cash App account and under the borrow feature which is essentially a loan, and send themselves a {$600.00} payment with an added {$30.00} fee totaling {$630.00}. They also tried to request an additional {$600.00} but I was able to deny that request as they were requesting it, making their second attempt unsuccessful. I will attach a screenshot from cash app that will show XXXX different names which is not associated with my account and it also shows a new device login since it was an unrecognized login/location. The XXXX names that you will see are XXXX XXXX and XXXX XXXX. Those are the XXXX fraudulent transactions. For XXXX and XXXX these XXXX apps were also fraudulently accessed again by changing the login information since they received the XXXX time codes. They made several purchases on these XXXX apps purchasing several different gift cards. XXXX XXXX XXXX XXXX apps are apps that you can either make these purchases and pay them in full or you can pay them off in monthly installments. The XXXX app all the purchases that were made were paid for in full, there were no leftover installments. For the XXXX app the hacker made several purchases but with all those purchases they only paid the first installments of the purchases leaving the remaining installments still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
Debit collection on credit report need to be removed due to... 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized transactions from XXXX that were charged to my credit card without my authorization. I reviewed my XXXX account and confirmed that the payment methods saved do not match the card used for the disputed transactions. The charges include multiple XXXX transactions and related amounts that I did not authorize. I contacted XXXX to dispute these charges and requested an investigation. However, they denied my claim and held me liable without addressing the clear mismatch between the payment method used and the cards saved in my account. Due to concerns of possible card compromise, my credit card has since been cancelled. This further supports that the transactions were not authorized by me. I am requesting assistance to : * Remove all unauthorized charges * Correct the determination that I am responsible * Require a proper investigation into how these charges were processed I am prepared to provide documentation including account screenshots, transaction records, and correspondence with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: RI

Complaint narrative:
AFFIDAVIT OF TRUTH & NOTICE OF DISPUTE I, XXXX XXXX, a natural person, hereby declare under penalty of perjury that the following statements are true, correct, and made in good faith : 1. I am disputing the following accounts reported on my consumer report as inaccurate, unverified, and/or misleading : XXXX XXXX XXXX {$27.00} charged off account 2. These accounts contain inconsistencies including, but not limited to : - Multiple reporting entities for the same alleged debt - Conflicting account statuses and dates - Lack of verified contractual obligation - Incomplete or missing original creditor documentation 3. I have not been provided with any verified contract, signed agreement, or lawful evidence proving I am obligated to pay these alleged debts as currently reported. 4. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I formally demand : - A copy of the original signed contract or application - Full accounting of the alleged debts - Proof of chain of title and lawful assignment for any debt buyers - Documentation validating the accuracy of all reported information 5. Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information. 6. Under 15 U.S.C. 1692g ( FDCPA ), I request full validation of these debts. Until validation is provided, all collection activity must cease. 7. I invoke my rights under XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which requires furnishers to conduct a meaningful investigation. XXXX. Additionally, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms that credit bureaus must go beyond superficial verification. 9. The reporting of duplicate or misleading accounts ( original creditor + debt buyer ) without proper validation may constitute inaccurate reporting under the FCRA. 10. Failure to provide proper verification within 30 days requires immediate deletion of the disputed accounts. 11. Continued reporting of unverified or inaccurate information constitutes willful noncompliance under 15 U.S.C. 1681n, making you liable for damages. 12. This affidavit serves as formal legal notice. Any failure to comply will result in escalation, including complaints filed with the Consumer Financial Protection Bureau and legal action if necessary. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Executed on this XXXX day of XXXX, XXXX. __________________________ XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX

Company response to consumer: Closed with explanation