vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate, incomplete, and unverifiable credit reporting by consumer reporting agencies and data furnishers in violation of federal law. 

I disputed multiple accounts appearing on my credit report as charge-offs, collections, and bankruptcy-related accounts. These items are being reported without lawful verification, proper documentation, or accurate post-bankruptcy status. Despite my formal disputes, the credit reporting agencies and furnishers continue to report this information without providing competent proof of accuracy. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to conduct a reasonable investigation and ensure maximum possible accuracy. Reporting information that is inaccurate, misleading, incomplete, or incapable of being verified is prohibited. No proper investigation has occurred.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), debt collectors may not collect or report alleged debts without proper validation and legal authority. Several collection accounts are being reported without proof of ownership, standing, or contractual obligation.

Further, under the Truth in Lending Act ( 15 U.S.C. 1637 ), creditors must maintain and disclose accurate account terms and billing information. Accounts reported without evidence of valid disclosures or signed agreements are invalid. 

I have also reserved my rights pursuant to the Uniform Commercial Code ( UCC 1-308 ). Any party asserting a financial claim bears the burden of producing competent evidence of the obligation. To date, no such evidence has been provided. 

Despite my disputes, the credit reporting agencies continue to report these accounts, and furnishers continue to verify information without producing documentation. This constitutes a failure to investigate, improper verification, and continued reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation
State: NV

Complaint narrative:
I have asked them to validate twice and they have not sent full validation. They continue to send multiple text messages

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Innovative Collections, LLC
State: TX

Complaint narrative:
I am submitting this complaint because the debt collector verified an alleged debt with consumer reporting agencies without providing documentation or validation. 

I previously disputed this account and requested documentation proving my legal obligation for the alleged debt, including the original signed agreement, complete chain of assignment, proof of the companys authority to collect and report, the date of first delinquency, and an explanation of the amount claimed. 

Despite my request, the company verified the account with consumer reporting agencies without providing any of the requested documentation to me. No signed contract, judgment, or other admissible evidence establishing that I owe this debt or that the company has authority to report it has been produced. 

Verification through automated systems or generic creditor confirmation does not constitute reasonable investigation or validation under the Fair Credit Reporting Act. Until proper documentation is provided, the debt remains unsubstantiated. 

I am requesting that the company either provide the documentation required by law or cease reporting and collecting this alleged debt and instruct all consumer reporting agencies to delete it.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally complain about misleading information provided by Bank of America representatives regarding my checking accounts and to demand corrective action. 

I opened XXXX XXXX Checking account # XXXX more than XXXX years ago based on representations made by a Bank of America representative that this account would allow overdraft capability. Despite maintaining the account for over XXXX years, I have never been granted overdraft access, directly contradicting what was promised at the time the account was opened. 

During this entire period, Bank of America has charged me {$25.00} per month in maintenance fees for a product that does not provide the features that were represented to me. I consider this a classic bait-and-switch situation : a service was promised to induce me to open and maintain the account, yet that service was never delivered. 

I am experiencing the same issue with my XXXX XXXX account # XXXX, which was also opened based on similar representations that have proven to be false. 

I anticipate that Bank of America may attempt to rely on standard disclosures. However, disclosures do not override direct representations made by bank representatives when inducing customers to open accounts. Charging ongoing monthly fees for accounts that do not provide the promised benefits is unacceptable. 

Accordingly, I demand the following : 1. A full refund of all monthly maintenance fees ( {$25.00} per month ) charged on both accounts since opening.

2. Immediate conversion of both accounts to free checking accounts, with no monthly maintenance fees going forward.

3. Written confirmation of these changes.

I am not willing to continue paying Bank of America my hard-earned money for services that were promised but never delivered. If this matter is not resolved promptly, I am prepared to escalate my complaint to the appropriate regulatory agencies and consumer protection authorities. 

Please treat this matter with the seriousness it deserves. I expect a written response within 14 days of receipt of this letter. 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I state that I have tried correcting information on my credit report with no success. The agency has failed to provide any information regarding my disputes and do not fully investigate and does not provide method of verification for the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: PA

Complaint narrative:
I paid the amount owed to XXXX services in full, its still showing on all 3of my credit reports. I would like it UPDATED AND REMOVED PROMPTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnets response is insufficient and does not satisfy its obligations under the Fair Credit Reporting Act. 

Nelnets reply consists solely of conclusory statements that it is reporting accurately without providing any documentation, transactional history, reporting codes, or explanation addressing the specific inaccuracies and unexplained gaps in my credit reporting history that were raised in my complaint. 

My dispute is not whether the loan is currently in good standing. My dispute concerns inaccurate and incomplete historical reporting, including unexplained gaps in payment and deferment status being furnished to consumer reporting agencies. Nelnet did not address these gaps, did not identify what data was furnished for the disputed periods, and did not explain how such reporting complies with accuracy and completeness requirements. 

Under FCRA 623, Nelnet is required to conduct a reasonable investigation and correct or delete information that is inaccurate or incomplete. Simply stating that the account is current and directing me back to the credit bureaus does not satisfy this obligation.

Nelnet failed to provide A complete payment history A complete deferment and forbearance history The Metro 2 reporting codes used for each disputed period Any evidence supporting its assertion that the reporting is accurate and complete This response appears to be boilerplate and does not demonstrate that a reasonable investigation was conducted. 

I am requesting that the CFPB require Nelnet to remove their tradeline from my credit reports. 

Produce documentary evidence substantiating the accuracy and completeness of the disputed reporting, including historical data furnished to the CRAs, or Delete the inaccurate and incomplete information being reported Absent such action, Nelnet remains in violation of its duties under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On or about XXXX I filed a complaint with XXXX  XXXX XXXX XXXX XXXX ), Experian , and the CFPB XXXX explaining : XXXX ) .The Debt is not owed because XXXX  XXXX " Discharged '' the debt after I disputed it through Experian. Additionally, long before this debt was sold to XXXX I disputed the debt directly with XXXX XXXX in addition to the Experian dispute ; XXXX ). I want the false reporting of this debt to the credit bureaus to stop ; 3 ) .And I demanded Deletion.

In response Experian " deleted '' the debt from my credit report and my credit score went up XXXX points. As of XXXX Experian is once again reporting that I owe the debt and my credit score has gone down XXXX points. 

Therefore, I am demanding that Experian delete this debt from their reports and that my credit score go back up XXXX points. Additionally, I am demanding that XXXX XXXX provide a copy of the letter sent to me by them stating that the debt has been discharged. I am also demanding that Experian review their records, which show additional proof the debt was discharged by XXXX XXXX before being sold to XXXX. 

Why would Experian delete this debt then start reporting it again?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Product : Bank account Issue : Deposits and withdrawals Sub-issue : Funds not returned after account closure. 

I am the named payee on a settlement check in the amount of {$77000.00} deposited into a Chase Bank account on XX/XX/year>. XXXX confirmed that the check cleared and was finally paid on XX/XX/year>. 

Chase placed a hold pending identity verification. The settlement issuer attempted verification directly with Chase. Despite the item being finally settled, Chase closed the account in XX/XX/year>. 

Since the account closure, Chase has failed to provide any written notice of the disposition of these finally-settled funds. Chase has not confirmed whether the funds were : Returned to the settlement issuer via a formal warranty return ( with trace/reference number ), or Converted into an official check payable to me as the named payee.

Chase has not mailed me any notice, has not issued payment, and has not confirmed return of funds to the issuer. The issuer has also stated they have not received returned funds. 

Spoke with XXXX XXXX : On XXXX, I went to the bank and she refused to send the documents showing proof that check was legit. She wouldnt provide any way to send the documents to the department that closed the account and is holding the funds at bay. 

Because this item was finally paid, Chase assumed responsibility for proper disposition. Closing the account without completing disposition or providing notice is improper and inconsistent with UCC Articles 3 and 4 and Regulation CC.

I am requesting immediate written confirmation of the final disposition of finally-settled funds, including the disposition date and any trace or reference numbers.

This matter has remained unresolved for several months and involves a substantial settlement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: IL

Complaint narrative:
I have collections account for Meridian Financial Service for a Timeshare they say I owe. 
I do not owe this debt ; I have never owned a timeshare. I am not liable for this debt with Meridian Financial Services. I did not sign any paperwork, nor do I have a contract with them. I contacted Meridian Financial Service, but they have not provided me with original letter of the debt. I demand this be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding a debt collection account that is being reported and/or collected without proper legal validation. 
I previously disputed this alleged debt and requested full validation, including documentation proving ownership of the debt, the original creditor relationship, and the accuracy of the balance being reported. Despite my disputes, the debt collector failed to provide adequate verification as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ).

The company continues to report and/or attempt to collect this debt without providing evidence that the debt is owed by me or that they have the legal right to collect it. No signed agreement, billing statements, or chain of title documentation has been provided to substantiate the claim.

Additionally, the continued reporting of this unverified debt has caused harm by inaccurately affecting my credit profile. This conduct constitutes an attempt to collect a debt not owed and reporting information that can not be verified, in violation of federal consumer protection laws, including the FDCPA and the Fair Credit Reporting Act ( FCRA ).

I am requesting that the company cease collection activity, remove any credit reporting related to this unverified account, and provide written confirmation of deletion. If the company is unable to properly validate the debt, it must not continue reporting or collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: CA

Complaint narrative:
At the end of XX/XX/XXXX, my Bank of America business checking account experienced multiple unauthorized ACH transactions totaling approximately {$13000.00}.

I discovered the fraud promptly and contacted Bank of Americas ACH fraud department to report the unauthorized transactions. At the time of my report, some of the fraudulent ACH items were still pending/processing. Bank of America instructed me that I would need to resubmit the fraud claim once the transactions fully posted. 
No provisional claim was opened, no written notice was provided, and no warning was given that failure to resubmit immediately would jeopardize recovery rights. My banker did not follow up with me regarding the pending fraud or claim status. 
In XX/XX/XXXX, after receiving no communication from Bank of America, I contacted the bank again to inquire about the fraud. I was then informed that no fraud claim existed at all, despite my initial report in XX/XX/XXXX. I was required to resubmit the fraud claim months after the original unauthorized transactions. 
In XX/XX/XXXX, Bank of America issued an investigation result stating that it could not refund the stolen funds because the receiving bank did not respond to Bank of Americas inquiry.

I believe Bank of America failed to exercise ordinary care and mishandled this ACH fraud by : Failing to open or document a fraud claim upon receiving notice Failing to track pending fraudulent transactions or follow up after they posted Failing to warn me of deadlines or loss of ACH recovery rights Allowing months of delay that prejudiced recovery Shifting responsibility to the receiving bank after Bank of Americas own procedural failures The loss appears to have resulted not only from the fraud itself, but from Bank of Americas failure to timely process and investigate a reported ACH fraud claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting a complaint regarding a denied XXXX scam claim involving {$300.00} sent for tutoring services that were never provided. Reasons of the denial was false, I never had any other transactions with this person other than the one for {$300.00}. Capital one stated I had various transactions with this person and that was very untrue On ( insert date ), I sent {$300.00} via XXXX through my Capital One account to an individual for tutoring services. The payment was made based on representations that tutoring sessions would be provided. After receiving the payment, the individual failed to deliver any tutoring services and became unresponsive to calls and messages. 
This transaction was not a voluntary payment for services received. It was induced under false pretenses, and the service was never rendered. This meets the definition of non-delivery and misrepresentation. 
Capital One denied my claim without providing me the opportunity to submit a full statement or supporting documentation prior to denial. I am requesting a proper investigation, reconsideration of the claim, and application of XXXX scam review guidelines. 
I have documentation including proof of payment, communication attempts, and evidence showing the service was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
NOTICE OF ERROR Incorrect Escrow Projection Mortgage Account : XXXX Date : XX/XX/XXXX To : Newrez LLC XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, SC XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : RESPA Notice of Error XXXX Property Tax Projection Discrepancy To whom it may concern, I am formally submitting this Notice of Error regarding the escrow account analysis performed on my account on XX/XX/XXXX. 
Newrez is currently utilizing a property tax projection of {$18000.00} for the year XXXX. This figure is incorrect and lacks documentary basis, resulting in an unjustified increase of my monthly mortgage payment to {$5500.00} effective XX/XX/XXXX. 
Attached to this notice is the official statement from the XXXX of XXXX issued on XX/XX/XXXX, which provides the actual tax breakdown : XXXX XXXX XXXX : The total taxes billed for the year XXXX were {$12000.00}. 
Confirmed XXXX Charges : The confirmed charges for the first and second quarters of XXXX are {$3000.00} each, totaling {$6100.00} for the first half of the year. 
Actual Annual Projection : Based on the current municipal billing, the estimated annual total is {$12000.00}. 
The {$18000.00} projection imposed by Newrez represents an overcharge of approximately {$6100.00} per year above the actual tax liability. Under the Real Estate Settlement Procedures Act ( RESPA ), I demand : 1. An immediate escrow re-analysis based on the actual figure of approximately {$12000.00}.

2. The reduction of my monthly payment to align with the confirmed tax obligation provided by the municipality.

3. A detailed written explanation regarding the origin of the {$18000.00} figure used in your previous analysis. 
I look forward to your prompt response and the correction of my account before my next payment is due. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made XXXX payments, XX/XX/XXXX totaling the amount of {$380.00}, which was the remaining of my balance transfer that was due to expire on XX/XX/XXXX. Under the CARD ACT ( Regulation Z ), specifically the XXXX last XXXX billing cycles ' rule, these payments should have been allocated to my expiring XXXX XXXX balance transfer. It was incorrectly applied to purchases/other balances. I called XXXX separate times on XXXX XXXX and asked them to correct this error. They did not and told me ( Supervisor XXXX # ID XXXX ) that I am incorrect, and they abide by citicbank rules. 

My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, FL XXXX SS # XXXX Citibank account number XXXX XXXX XXXX XXXX Since XXXX Account number ending in : 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 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I recently obtained a copy of my credit report and this company is currently reporting debt on my report that has never been verified or validated. Additionally HIPAA law protects all my medical records from third parties such as this company. I NEVER GAVE XXXX XXXX XXXX XXXX  PERMISSION TO RELEASE ANY MEDICAL INFORMATION. this is A TRUE VIOLATION OF MY RIGHTS.

Company response to consumer: Closed with non-monetary relief