vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and Oliphant USA LLC regarding a fraudulent collection account reported by Oliphant USA LLC with XXXX listed as the original creditor. I have never opened or authorized any account with XXXX. This account does not belong to me. I previously submitted certified mail disputes to all three credit bureaus and to Oliphant USA LLC. Despite this, the bureaus continue to report the account as verified, and Oliphant continues to furnish the account without providing any validation, contract, application, or proof of identity. This violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information FCRA 611 Failure to conduct a reasonable reinvestigation FDCPA 809 ( b ) Continuing collection activity without validation FCRA 605 Reporting unverifiable or fraudulent accounts I am requesting : 1. A full investigation by the CFPB. 2. Immediate deletion of the fraudulent XXXXOliphant account from all credit bureaus. 3. Written confirmation from Oliphant USA LLC that they will cease reporting this account. 4. Documentation showing how the bureaus verified the account despite no validation being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received an alert on my credit report regarding a collection account from Pro Collect, with the original creditor listed as XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX for the amount of {$370.00}. I dispute this debt in its entirety. I have never resided in the state of XXXX, nor have I attended college or applied for housing in the United States that would result in such a charge. In XX/XX/XXXX, I received a phone call from the collection agency attempting to collect this debt. In XX/XX/XXXX, they contacted my daughter regarding the same matter. During these communications, the agency demanded payment but failed and refused to provide any documentation verifying the validity of the debt or proving that I was ever a tenant or applicant. I have documentation to support my actual residence during the time in question and can confirm that this account does not belong to me. Additionally, I previously disputed this account with the credit bureaus, and no response or validation was provided within the required timeframe. Despite this, the account remains on my credit report. This is a violation of my rights under the Fair Credit Reporting Act.

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 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding a collection account reported by Credence Resource Management related to an XXXX XXXX XXXX account. I disputed this account, but it has not been properly validated with complete documentation, including proof of ownership, account history, and balance accuracy. Additionally, the information being reported appears inaccurate and inconsistent. I request full validation of this debt, and if it can not be properly verified or corrected, it should be removed from my credit report in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I am submitting this complaint because XXXX failed to conduct a reasonable reinvestigation of multiple disputed collection accounts and failed to provide the legally required method of verification. I disputed the following collection accounts as not belonging to me/ not properly verified : 1 IQ Data International , Inc. Balance : {$1600.00} Account ending in XXXX XXXX XXXX XXXX XXXX Adjust Balance : {$120.00} Account ending in XXXX XXXX responded with boilerplate form letters stating only that they contacted the furnishers and that the furnishers verified the accounts. XXXX then continued reporting these accounts without providing any substantive evidence showing how either account was verified. XXXX has failed to provide for either account : The specific method of verification used in its reinvestigation The name, address, and telephone number of the party who verified the accounts The documents, contracts, leases, statements, account-level records, or other evidence reviewed Any explanation of how XXXX determined these accounts belong to me Merely repeating the furnishers allegations or relying on automated electronic confirmation does not constitute a reasonable reinvestigation. XXXX responses strongly suggest that no independent or meaningful investigation was performed. Under the Fair Credit Reporting Act, XXXX is required to conduct a reasonable reinvestigation of disputed information and disclose the method of verification upon request. XXXX has failed to meet these obligations. I demand that XXXX do one of the following immediately : 1 Provide complete documentary evidence and the full method of verification demonstrating how each disputed account was verified as mine ; or 2 Permanently delete both disputed collection accounts from my consumer report. Continued reporting of unverified information without proper verification constitutes negligent and/or willful noncompliance with the Fair Credit Reporting Act. I request CFPB intervention to ensure XXXX complies with its legal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I was charged for XXXX XXXX XXXX at XXXX XXXX in XXXX in XX/XX/year>. Before the procedure, I was told a much lower total price. I was asked to sign documents, but the full total amount was not clearly disclosed at the time of signing. After the procedure, I discovered multiple large charges totaling over {$6000.00}, which is significantly higher than what was discussed. I did not agree to or understand these charges, and I did not consent to additional procedures or amounts beyond the initial discussion. I attempted to dispute the charges with my credit card company, but the dispute was denied based on documents provided by the merchant. However, these documents do not clearly show that the full pricing was disclosed to me prior to the transaction or that I knowingly agreed to the total amount charged. I requested an itemized breakdown, clear pricing, and proof of informed consent for the full charges, but this was not properly provided. The charges are excessive compared to standard pricing for similar services and appear to be misleading and not transparent. I am requesting that this case be reopened and fully reviewed, as I believe I was overcharged and did not give informed consent to the total amount billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: WA

Complaint narrative:
I was the victim of a loan scam and was deceived into sending multiple payments through XXXX for supposed XXXX XXXX, reconfirmation fee as per standard protocol, new verification fee of valid bank account and new file fee, these payments were made under false pretenses and I never received any loan funds. I have already reported this issue directly to XXXX XXXX XXXX but no response I follow up XXXX XXXX they told me that they dont received all the evidence that I send, that day I submitted all supporting evidence, including transaction records, screenshots of communications and fraudulent documents. XXXX acknowledged receipt of my complaint but has not provided any resolution or refund. These transactions were induced by fraud and should not be treated as authorized in the normal sense. I believe XXXX failed to detect or prevent suspicious repeated transactions and failed to properly resolve my fraud claim. I am requesting s full refund of XXXX $ and a proper investigation into these fraudulent transactions. I attached evidence : XXXX transaction receipts Screenshot of scam messages Fake loan documents Email from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Im filing this complaint because there are collection accounts showing up on my credit report that are not mine. I keep a close eye on my credit, and these accounts suddenly appeared without my knowledge or permission. I never approved or had anything to do with them, and its frustrating and unacceptable to see wrong information reported under my name. This needs to be investigated and fixed right away.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX, made a transaction deposit of {$3700.00} that was suppose to be deposited into my checking account. This constitutes my XXXX XXXX XXXX XXXX. It was slated to be deposited into my checking account but was credited to a different account.. I contacted Chase branch and they did verify that the deposit was placed into an account held by another customer. The error in the deposit was explained to the Branch Officer and they were not able to assist me. They gave me the account number that the deposit went to and verified that the deposit of {$370000.00} did go into the wrong account. They gave me no other avenue to rectify this issue. Contact was also made with XXXX XXXX XXXX, and they verified that the amount of {$3700.00} was sent to Chase Bank. I have exhausted all avenues to resolve this matter and currently getting a run around. I need your assistance to correct this incident so I can receive my XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/year>, I reported fraudulent transactions on my XXXXOneMain Financial credit card immediately after receiving fraud alerts. I did not authorize these transactions. OneMain acknowledged the fraud and credited the original charges. However, they failed to properly resolve the account. Instead, they applied late fees and interest charges tied to those fraudulent transactions. For XXXX/OneMain : - Fraudulent charges : {$100.00}, {$41.00}, and two {$10.00} charges - XXXX : {$25.00} late fee plus interest - XXXX : {$26.00} late fee plus {$0.00} interest - XXXX : {$40.00} late fee plus {$1.00} interest - Current balance : {$94.00} ( fees and interest only ) I attempted to resolve this multiple times : - Responded to fraud alerts on XX/XX/year> - Contacted customer service and fraud departments- Submitted written disputes on XX/XX/year> As of XX/XX/year> : - No resolution or corrected statements have been provided - Account still shows balance made up of fees and interest - Collection activity continues, including calls and notices - Late payments have been reported to the credit bureaus This has caused significant harm : - Decrease in my credit score - Reduction of my available credit - Credit limit reduction on another account from {$1400.00} to {$250.00} I reported fraud immediately and acted in good faith. The company has failed to resolve the disputes and continue reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I informed Wells Fargo that my credit card is expired and they never sent me a renewed XXXX credit card. Well Fargo stated they sent the card and I never received it. Well Fargo customer service cancelled my credit card and reported the card was stolen or my identity was stolen. For that, the issued me another visa credit card but with entirely new credit card number. XXXX weeks after I received my Well Fargo new XXXX credit card, I applied for XXXX XXXX XXXX card. XXXX XXXX rejected my application and stated that on my record shows that my credit card was stolen and identity theft reported on my name. Also my XXXX XXXX dropped dramatically. I checked my XXXX XXXX and is showing XXXX. Prior to this incidence, my XXXX XXXX was XXXX. I have called Wells Fargo XXXX times and each time they state someone from complaint department will call you. It has been XXXX weeks no one called me. However, I called them numerous time complained about their process. I am applying for job that required XXXX clearnace. The poor credit report will for sure jeopordize my employment. I want Wells Fargo to fix the mess they created. Additionally I told them that I found the missing credit card in my closet drawer. So the credit card was never stolen and abused. I need help from you to fix this issue. Thanks, 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 explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
On XXXX XXXX I switched to a private loan servicer ( XXXX ). This servicer payed for the full amount of the loan + XXXX of interest ( totalling {$5400.00} as per my previous loan servicer, Mohela ) that were to be refunded. I had to call Mohela on XX/XX/year> because I had not received news about the refund. They mentioned refund was not automatic and I had to request it, it would take XXXX days for refund to be processed. On XX/XX/XXXX I called Mohela again. They told me they sent the refund to the wrong address, and it would take XXXX days from XX/XX/XXXX for the refund to arrive ( date of the correction ). Today I called my current lender, still no refund.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I am writing to file a complaint against XXXX ( issuing bank ) and XXXX ( program XXXX ) regarding the XXXX XXXX XXXX account ending XXXX, related to XXXX formal requests for XXXX reduction and hardship review ( Ticket ID : XXXX ). Background : I am the cardholder of record on the above account. I am current on all payments and have been since opening the account. I am a medical resident in training with limited income during this period. On XX/XX/year>, I submitted a written request to XXXX XXXX XXXX Support asking for either ( a ) an XXXX reduction or ( b ) information about hardship assistance available through the issuing bank. First response ( deficient ) : The initial response from XXXX XXXX XXXX XXXXXXXX stated that no hardship program was available. Critically, the response contained unfilled template placeholders, including the verbatim text We are not able to reduce your Annual Percentage Rate ( APR ) to <REQUESTED APR % > and Your current APR is <FILL IN CURRENT APR % >. This indicates that no individualized review of my account occurred before the response was issued and a template was sent without the basic step of populating my actual account information. Second request ( escalation ) : I sent a formal escalation on XX/XX/year>, with XXXX specific numbered requests : XXXX. Confirmation of whether my original request was substantively reviewed XXXX. Escalation to the issuing bank ( XXXX ) for direct review XXXX. The issuing banks direct contact information XXXX. Contact information for XXXX customer service or escalations Second response ( non-responsive ) : The response to my escalation was substantively identical to the first response. None of the XXXX numbered requests were addressed. The unfilled template error was not acknowledged. No issuing bank contact was provided. No escalation path was offered. Requested resolution : XXXX. Substantive review of my account by XXXX as the issuing bank XXXX. Consideration of an XXXX reduction or hardship accommodation appropriate to my circumstances as a current cardholder in good standing experiencing temporary income constraints XXXX. A direct contact at XXXX for any future hardship or account-related concerns XXXX. Acknowledgment of the deficient initial response ( unfilled template ) and confirmation of process XXXX I am asking for what is standard accommodation across major card issuers. The refusal to even substantively review my request, combined with the template error in the first response, suggests inadequate consumer-facing process at XXXX and inadequate consumer protection oversight by XXXX as XXXX issuing bank. Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: FL

Complaint narrative:
Hello, I am here to dispute an debt attempt that was placed on my credit XX/XX/XXXX. I have been battling with this issue since XXXX. The debt was placed on my credit XX/XX/XXXX. I moved from this property XX/XX/XXXX. My ex-husband remained at the property and I received documentation from the then XXXX XXXX of removal off the lease. I have provided more than enough evidence to contest that this debt does not belong to me. I have completed several disputes with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing this complaint regarding a Synchrony Bank promotional financing account opened through XXXX XXXX via a telephone application. At the time of the application, I was not clearly or properly informed that the promotional offer included deferred interest terms requiring full repayment within a specified period, or that interest would be retroactively applied from the original purchase date if the balance was not paid in full within the promotional period. My complaint is that deferred interest charges have been applied without sufficient proof that all required material terms were clearly disclosed and affirmatively accepted prior to account approval, as required under the Truth in Lending Act and XXXX XXXX disclosure requirements. I specifically dispute the validity of these charges because I do not recall being properly or clearly informed of the deferred interest structure or the retroactive interest provision at the time of the telephone application. Accordingly, I am requesting that Synchrony Bank provide verifiable documentation demonstrating full compliance with disclosure and acceptance requirements, including : XXXX. A complete and unedited recording of the telephone application or enrollment call XXXX. Proof that the full deferred interest promotional terms were clearly disclosed prior to account approval XXXX. Proof that I affirmatively acknowledged and agreed to the specific promotional financing terms XXXX. A copy of the exact promotional offer terms applied to my XXXX XXXX transaction XXXX. Any written or electronic disclosures provided prior to account activation If Synchrony Bank can not produce clear and verifiable evidence that the deferred interest terms were properly disclosed and accepted prior to account opening, then the charges are unsupported and should be removed. In that event, I request : * Removal of all deferred interest charges * Recalculation of my account balance excluding retroactive interest * Correction of any inaccurate reporting to XXXX XXXX XXXX XXXX I am submitting this complaint for full investigation and resolution in accordance with the Truth in Lending Act and Regulation Z requirements for clear, conspicuous, and provable disclosure of credit terms prior to account consummation.

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