vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am seeking the implementation of my rights as outlined in FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As someone who has been affected by identity theft and EQUIFAX DATA BREACH, I have the right to request that any fraudulent information be removed from my credit report. This law mandates that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please delete within 4 business days. This has caused me to be so sad and depressed, and this is taking a toll on my mental health. I strongly ask you to promptly take the proper steps to ensure that these protections are fully enforced. Noncompliance undermines the integrity of the credit reporting system and exacerbates the harm inflicted on victims like myself. I look forward to the assistance.

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 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am seeking the implementation of my rights as outlined in FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As someone who has been affected by identity theft and EQUIFAX DATA BREACH, I have the right to request that any fraudulent information be removed from my credit report. This law mandates that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please delete within 4 business days. This has caused me to be so sad and depressed, and this is taking a toll on my mental health. I strongly ask you to promptly take the proper steps to ensure that these protections are fully enforced. Noncompliance undermines the integrity of the credit reporting system and exacerbates the harm inflicted on victims like myself. I look forward to the assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: VA

Complaint narrative:
This complaint arises from the continued reporting of inaccurate and internally inconsistent account information on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) and 1681i. Upon reviewing my credit report, I identified material contradictions in key reporting fields associated with the account in question, including but not limited to the Date of First Delinquency, account status/payment history, and reported balance. These discrepancies exist either across multiple consumer reporting agencies or within the same file, demonstrating a failure to ensure the maximum possible accuracy required under federal law. Despite these inconsistencies, the information continues to be reported without evidence of a lawful and reasonable investigation. The presence of contradictory data points strongly indicates that the information has not been properly verified with the original source and may be the result of unreliable or automated furnishing practices. The continued reporting of such unverifiable and inconsistent information is misleading, prejudicial, and noncompliant with the FCRAs requirement that consumer reporting agencies maintain accurate and complete data. Any information that can not be consistently validated across all reporting fields can not, by definition, meet the legal threshold for accuracy.

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 2026-04-13 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: NV

Complaint narrative:
This is related to the Citi Card XXXX XXXXXXXX XXXX card. I tried to register my account on the website. The payment was past due and the registration did not work even though the data was correct. I went to the website to make a one-time non-login payment. This required me to get either a phone call or text message to confirm. This text and phone call was never sent depsite retrying 5 times including in incognito. I called the company to ask them to assist. They refused to assist because I was traveling out of the country and despite having the information in front of me through my father, they said because I didn't have the card physically they couldn't help me and attempted to collect payment over the phone. I told them I did not feel secure doing this and they made me do it through a touch tone service which failed 3 times to find my account and eventually succeeded. I believe they are making it intentionally difficult to register and pay the balance so they can collect interest on the account. I believe this is financial fraud.

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 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: NC

Complaint narrative:
I am submitting a complaint regarding a clear violation of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by XXXX XXXX XXXXXXXX, who has unfairly sent a hidden penalty fee to Hillcrest Davidson & Associates, LLC. I initially notified XXXX XXXX of my forced relocation in XX/XX/year>. As XXXX XXXX has acknowledged in writing, this cancellation was processed by XX/XX/year>. During my follow-up communications in XXXX and XX/XX/year>, I was verbally assured this matter was settled. Concurrently, XXXX XXXX zeroed out my account online. I recently discovered that XXXX XXXX sent an Early Termination Fee to collections without ever sending me a final bill. XXXX XXXX explicitly admitted to the collection agency in writing that they masked this fee, stating : " The payment portal would indicate a zero balance as the account was cancelled and billing for monitoring stopped ... '' Presenting a consumer with a {$0.00} balance ledger, failing to issue a final statement for an alleged penalty, and then sending that hidden penalty directly to a collection agency is a textbook deceptive billing practice. It deprives the consumer of the right to dispute the charge with the original creditor before it damages their financial standing. I am requesting that the CFPB intervene to require XXXX XXXX XXXXXXXX to immediately recall this invalid debt from Hillcrest Davidson & Associates, LLC, cease all collection activities, and permanently close the account with a zero balance as originally presented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank failed to conduct a reasonable investigation under Regulation E regarding an ATM transaction where funds were debited but not received. The bank denied my claim based solely on information provided by the ATM owner, without providing any supporting documentation. They did not supply ATM electronic journal logs, cash balancing records, audit trail data, or confirmation of surveillance review. When I requested documentation, Citibank refused, stating that such information is proprietary and could only be obtained through a subpoena. This improperly shifts the burden to the consumer and does not meet the requirements of a reasonable investigation under federal law. To date, Citibank has not provided any proof that cash was dispensed to me. Despite this, they finalized their denial and closed the claim. I am requesting regulatory review of Citibanks handling of this dispute and assistance in obtaining a proper investigation or reversal of the transaction.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
On XX/XX/2025, I was the victim of an impersonation scam while attempting to sell an item online. The individual I interacted with directed me to a fraudulent website posing as XXXX ( XXXX ), which falsely displayed that a buyer had completed payment. Based on this false payment confirmation, I was led to believe the transaction was legitimate. I was then contacted through a fake customer support chat that requested SMS verification codes as part of a payment verification process. As a result of this deception, funds totaling {$1600.00} were withdrawn from my checking account. At no point did I actually receive any payment for the item, and I did not knowingly authorize any XXXX purchases or transfers. Any actions taken were performed under false pretenses created by the fraudulent website and impersonation. I reported the issue to my bank ( XXXX XXXX by SoFi ) immediately. The bank initially provided a provisional credit but later reversed it and denied my claim, classifying the transaction as authorized. I have contacted the bank multiple times, submitted evidence including screenshots of the fake website and fraudulent communication, and requested clarification and documentation regarding their decision. Despite providing clear evidence of impersonation, fraudulent misrepresentation, and social engineering, the bank has continued to deny my claim and has not properly addressed the fact that I did not knowingly authorize these transactions. I am requesting that this matter be reviewed under the Electronic Fund Transfer Act ( Regulation XXXX ), as this involves unauthorized transfers induced by fraud and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the inaccurate reporting of a XXXX XXXX account on my consumer credit reports. The account is currently being reported as a charged-off account with a balance of {$100.00}. I have submitted a dispute regarding this account due to concerns about its accuracy, completeness, and compliance with reporting standards. Despite my dispute, the account continues to be reported with inconsistent and ambiguous information, including unclear account comments such as profit and loss writeoff, and incomplete payment history. Additionally, I have not been provided with sufficient documentation demonstrating how this account was verified, nor how the reported balance and delinquency status were determined. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure maximum possible accuracy and conduct a reasonable reinvestigation of disputed information. In this case, that standard has not been met.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account reported by Rent Recovery Solutions on my credit report. I have never entered into any signed agreement with this company, nor have I provided consent for them to report any account under my name. Despite this, they are currently reporting a collection account that is damaging my credit profile. I formally requested validation of this debt, and no proper documentation was provided. There is no signed contract, no original agreement, and no evidence proving that this debt is legally mine. Additionally, this account continues to be reported monthly without proper verification, which is causing ongoing harm to my creditworthiness. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act, I am requesting : XXXX. Full validation of this alleged debt, including a signed contract. XXXX. Proof of their legal authority to collect and report this account. XXXX. Immediate deletion of this account if verification can not be provided. If this matter is not resolved, I am prepared to escalate further. I request immediate investigation and removal of this account from all credit reporting agencies.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In 2023 I contact Navy Federal via phone regarding applying for a credit card. The agent took my information over the phone and the call was concluded. The following day, after a change of mind, I went into a branch regarding canceling the application request and the agent stated that the application was already processed, although it was less than 24 hours. I then went home and called customer service regarding cancelling the card since I was told that the application was approved although I was initially told that the application process took several days for a decision for approval. I informed the agent that regardless to their claim of an approval so promptly that I no longer wanted the card. The agent then informed me in what I considered to be a threatening way that if I cancelled the card that was approved it would listed as a " closed '' account on my credit report, which anyone who is credit savvy know that it would be a negative action to take because it decreases your score. Angry I replied, " Ma'am whatever, keep the card. I don't send me anything because I don't want it and now its like I'm being strong armed into this card. '' I never did receive a card, so I thought that they honored my request but then some time later I saw the account on my credit file. I called Navey Federal and told them of my initial request to cancel the application and that I stated that I did not want a card and didn't have one anyway but there's a card present on my credit file. In turn Navy Federal reported, yet an additional card separately on my credit file instead of simply honoring my original grievance. I called them to complain about how I ask to not receive a card at all from the beginning and now their reporting on my credit report as if I now have two separate cards. The agents begin hanging up on me and thus far I've had no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXXXXXX ( CBE ) regarding their attempt to collect an alleged debt on behalf of Charter Communications ( XXXX ). The alleged balance is over XXXX years old and relates to a XXXX account that was closed when I moved residences. At the time of closing the account, all outstanding balances were paid in full. Since then, I have not received any billing statements, final account notices, or documentation from Charter Communications indicating that any balance remained due. CBE has contacted me regarding this alleged debt but has failed to provide proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically : I have not received a written validation notice from CBE. I have not received any documentation from Charter Communications substantiating the debt. There has been no itemization of charges, dates, or proof that the debt is legitimate and owed by me. Additionally, CBE has been contacting me via text message, which I consider to be improper and unwanted communication. I am formally requesting that all such communication cease. I dispute this debt in its entirety. I am requesting that CBE : Provide full validation of the alleged debt, including : Original creditor documentation from Charter Communications ( XXXX ) Account statements and payment history Proof of my obligation to pay Cease all communication with me via text message immediately. Cease all collection activity until proper validation is provided. Remove any reporting to credit bureaus if they can not validate the debt. If CBE can not provide proper validation, they must immediately cease collection efforts and confirm that the account has been closed and no longer pursued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I placed an order through XXXX for sushi that arrived completely rotten and inedible. I immediately contacted XXXX for resolution and was denied any remedy. I then filed a dispute with Capital One to recover funds for goods that were never delivered in acceptable condition. Throughout the dispute process, Capital One failed to allow me to submit supporting evidence on multiple occasions despite my repeated attempts. The claim was then denied and closed without explanation, and I was given no information regarding the outcome or basis for the decision. Capital One XXXX handling of this dispute left me with no recourse, no explanation, and no ability to defend my claim. As a consumer I feel completely unprotected and failed by a bank I trusted to act in good faith. The process was opaque, one-sided, and prevented me from exercising my basic rights as a cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In late XXXX both me and my wife with whom i have neen seperated from 6 months ago couldnt access our online accounts with Bank XXXX XXXX. Upon calling we learned that my wifes account which she just opened 6 months, ago was hacked. On XX/XX/XXXX we wete told soneobe withdrew {$500.00} from her account from the Bank XXXX XXXX. Neither of us ever used or heard of that bank. My wife said she never saw any XXXX withdrawal and was not made by her. Her accoubt and our joint checking accounts were closed and we were told it would bevreported to XXXX XXXX and some other place and we woyldbt be able to open an account else where. We both called Bank of America seperately and complained becsuse no one would even listen to our side nor provide us statements showing the {$500.00} withdrawal. We were the victems of fraud and instead of providing us help, BoA basically put the blame on us. We demand to see in writing the transaction althat occorred on XXXX XXXX and XXXX demand to be heard fairly. We were with BoA over 26 years!

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclays has failed to completely resolve the issue reported to the CFPB under XXXX # XXXX on XXXX. Barclays has not credited my account for the compound interest accrued on the fraudulent charges over XXXX days in the amount of {$3100.00}. Therefore, I am submitting a new complaint about the actions Barclays formally acknowledged in writing ( in their later dated XX/XX/year> ) that they would take to resolve this matter but have failed to do so. I have called the President 's " direct number '' provided XXXX times between XX/XX/XXXX and XX/XX/XXXX, on XXXX different days, and at various times of the day -- -same result -- -no one answers the phone nor returns calls -- -and most importantly, no interest credit to my account. Please see the attached document that includes dates of contact and details of what occurred during each contact as well as Barclay 's formal letter stating that they would credit my account for this interest.

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