vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am submitting this complaint regarding my Bank of America XXXX XXXX credit card account. I have been a Bank of America XXXX XXXX Credit Card customer for many years and have historically maintained a strong payment history. Unfortunately, during XXXX, XXXX, and XX/XX/year>, I experienced severe medical hardships that directly affected my ability to manage my financial affairs. I have been diagnosed with XXXX and XXXX XXXX XXXX XXXX. During this period, I was receiving care from family members and was hospitalized on multiple occasions. Due to my documented XXXX XXXX and ongoing medical treatment, I unintentionally missed payments on my credit card account. As soon as my daughter discovered the issue, the account was immediately brought current and steps were taken to prevent future missed payments, including establishing automatic payments. My daughter contacted Bank of America on my behalf and explained my medical circumstances. We offered to provide supporting medical documentation regarding my XXXX diagnosis, XXXX treatment, and hospitalizations. However, we were informed that Bank of America would not remove the reported late payments. I am respectfully requesting that Bank of America review my situation and consider a goodwill adjustment by removing the late-payments reporting associated with this period. These late payments were not the result of financial irresponsibility or an unwillingness to pay. They occurred solely because of extraordinary medical circumstances beyond my control. The negative reporting has caused my credit score to drop by more than XXXX points and has significantly impacted my ability to qualify for credit. Prior to these events, I maintained a strong credit history and took my financial obligations seriously. I am willing to provide any medical records, physician statements, hospital records, or other supporting documentation necessary to verify my circumstances. I respectfully request that Bank of America reconsider its position and remove the late-payments reporting as a goodwill accommodation due to my documented XXXX, XXXX XXXX XXXX diagnosis, and hospitalization. Thank you for your time and consideration.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account has been closed since XXXX. Due to covid and the economy shutting down, no money coming in unable to speak with a representative due to the pandimic. Once the economy started to open back up I have tried to resolve the debt with the creditor, I have spoken with the creditor and tried to set up a payment schedule with them, they denied my request and started to garnish my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
You never sent me the letter you provided! And your answer to my complaint is total XXXX! Again didn't file bankruptcy!!! And I still made my payments on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/year> I was approved for a Citi Bank credit card. I received an email on XX/XX/year> that it was out for delivery. On XX/XX/year>, I had still not received the card. I called Citi Bank to see if they had any additional information and they asked me to verify my information. Upon verification, they informed me that my address did not match the address they had on file and would need to send a letter with a verification code in order to correct the issue and issue a new card to the correct address. The issue with this is they are sending the verification letter to the address they have on file which we have already determined is incorrect. I gave them all of the information they requested and they still would not assist in verification of my address. Now I have to wait 10 business days for a letter that won't come before I call again to then start this cycle all over again. I don't understand how the solution to verifying my information that we have already determined is incorrect is to mail a letter to the incorrect address? The customer service for this is horrible. Now I have a credit card floating around in the universe and I can't cancel it or fix the address issue because I need to get this verification code first.

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Original debt XXXX XXXX on XX/XX/XXXX and went to a debt collector XX/XX/XXXX. Own about {$320.00} but this account was opened wrongly because my dad open this account under my name. He as well took out a lease under my name from a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was open in XX/XX/XXXX and I was a minor at the time. Now the debit belongs to a company called XXXX XXXX XXXX and own about XXXX XXXX currently havent been living with for about XXXX years without any communication and would be easier for him to open to this accounts due to him sharing the same name and knows my social security number. The address that the account was under was my dads current address. He had open a credit card under my name and I was able to dispute that and has been trying to open more accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Re : Debt Validation Request Account # XXXX Amount Listed : {$1100.00} To Whom It May Concern, This letter is a formal dispute and request for validation of the alleged debt referenced above, pursuant to FDCPA 809 ( b ). I do not acknowledge this debt and require full validation. Until proper validation is provided, you must cease all collection activity and stop reporting or verifying this account with any credit bureau, as required under FDCPA 805 ( c ) and FCRA 623. Please provide : 1. A complete accounting of the alleged balance of {$1100.00} 2. A copy of the original XXXX XXXX XXXX agreement 3. Proof of your legal authority to collect this debt 4. Itemized charges, fees, and interest 5. Proof of assignment or ownership 6. Full payment history 7. Original creditor information 8. Your state collection license I am currently experiencing financial hardship due to reduced income and essential living expenses. This does not waive my rights under federal law. If you can not validate this debt, you must delete it from all credit bureaus under FCRA 611 and 623. I expect your response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX Date : [ Insert Date ] Re : Debt Validation Request Account # XXXX Amount Listed : {$6200.00} To Whom It May Concern, This letter is a formal request for validation of the alleged debt referenced above, as provided under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). I am disputing this debt and requesting full validation. Until you provide complete validation, you must cease all collection activity, including reporting or verifying this account with any credit bureau, as required under FDCPA 805 ( c ) and FCRA 623. Please provide : 1. A complete accounting of the alleged balance of {$6200.00} 2. A copy of the original signed contract or lease with XXXX at XXXX 3. Proof you have legal authority to collect this debt 4. Proof of itemized charges, fees, and interest 5. Proof of assignment or ownership of the debt 6. The date of last payment and full payment history 7. The name and address of the original creditor 8. A copy of your state license to collect in my state I am currently experiencing financial hardship due to reduced income and essential living expenses. This hardship does not waive my rights under the FDCPA or FCRA. If you can not validate this debt, you must delete it from all credit bureaus immediately under FCRA 611 and 623. I expect your response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am the consumer linked to this credit file and am submitting this complaint directly on my own behalf. No third party has been authorized to file this complaint for me. The late payment information shown on my credit report appears to be inaccurate and is negatively impacting my ability to obtain credit. I am requesting a reasonable and thorough investigation into the reported late payments. Please provide all documentation used to substantiate each reported late payment, including account statements, payment records, transaction histories, and any other supporting evidence of the alleged delinquency. If the late payment entries can not be verified as accurate and complete, I request that they be removed and that the account be updated to reflect an accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 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: MI

Complaint narrative:
I am the consumer linked to this credit file and am submitting this complaint directly on my own behalf. No third party has been authorized to file this complaint for me. The late payment information shown on my credit report appears to be inaccurate and is negatively impacting my ability to obtain credit. I am requesting a reasonable and thorough investigation into the reported late payments. Please provide all documentation used to substantiate each reported late payment, including account statements, payment records, transaction histories, and any other supporting evidence of the alleged delinquency. If the late payment entries can not be verified as accurate and complete, I request that they be removed and that the account be updated to reflect an accurate payment history.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems , Inc . ATTN : COMPLIANCE DEPARTMENT XXXX XXXX XXXX XXXX, GA XXXX RE : Final Notice of Violations and Demand for Immediate Deletion To Whom It May Concern : This letter serves as my final written notice regarding the alleged account associated with XXXX at XXXX XXXX Apartments. National Credit Systems , Inc. has failed to properly validate this alleged debt despite my timely written debt validation request. My initial validation request was ignored, and you did not provide a substantive response directly to me as required after I disputed the account. In addition, I have sent multiple cease-and-desist notices via certified mail, including my final cease-and-desist and Notice of Intent to Sue, which was received by your office on XX/XX/year>. To date, you have not acknowledged these notices or indicated that you have complied. Despite these repeated written disputes and demands, National Credit Systems continues collection activity by furnishing and reporting this disputed account to consumer reporting agencies and tenant screening databases. This ongoing reporting has caused significant harm to my credit and rental history and has resulted in multiple housing denials and financial losses. You have also refused to provide documentation demonstrating your authority to collect, stating that your agreement with the original creditor is private and confidential. If you are unwilling to provide proof of your authority when challenged, you have no basis to continue collecting or reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I am a XXXXyearold retired firefighter living on a fixed pension and Social Security income. I have had a Bank of America credit card for many years with a credit limit of {$20000.00}. Recently, due to an abusive website, the card was used the more frequently and unknowingly far exceeded any reasonable amount. Instead of declining transactions that exceeded my credit limit, or otherwise alerting me, Bank of America approved charges that pushed my balance to approximately {$40000.00}, which is double my credit limit. At no point did the bank notify me that : My account was being repetitively charged for repetitive amounts to the same website ( XXXX charges in 13 days totaling {$40000.00} ) My account was being approved far beyond the stated limit My credit limit was effectively being overridden I was being allowed to accumulate a balance I could not reasonably repay on fixed income I did not request an overlimit service, nor did I knowingly opt in to any program that would allow charges beyond my limit. Bank of Americas approval of charges far beyond my credit limit : Violates the spirit of the Credit CARD Acts overlimit protections Exposed me to a level of debt I could not afford Created a severe financial hardship Was inconsistent with responsible lending practices Was done without my consent or optin I believe the banks risk controls failed to protect me as a consumer, especially given my age and fixed income.

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 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Debt collector ( IC Systems ) never contacted me to give me opportunity to dispute debt. When original debtor ( XXXX XXXX XXXX XXXX ) and XXXX could provide NO substantive proof of debt, I contacted IC Systems and they refused to provide me with physical address to where I could submit, via US mail, my dispute of debt and request for proof of validity of same. I wholeheartedly dispute this debt and still request valid, documentary proof of same. Please see attached letter elaborating on history of dispute.

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 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I made regular payments on this secured Amazon/Synchrony account, often above the minimum payment amount. After a rejected payment, the account still showed a minimum payment due of {$27.00}, and Synchrony continued accepting payments from me, including {$27.00} on XX/XX/year> and {$20.00} on XX/XX/year>. After accepting those payments, I was then informed there was a problem with my account and that it was being closed. I was not clearly notified before making these payments that the account was at risk of closure, that a higher amount was required, or that my payment would not prevent closure. I request a full investigation of the payment handling, notices sent, balance calculation, and account closure decision. I also request written documentation explaining why the account was closed after my payments were accepted.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistently reported late payment information currently appearing on my credit file in connection with my Navy Federal Credit Union account. I previously submitted a complaint through the CFPB regarding this account which was assigned complaint ID XXXX and submitted on XX/XX/year>. Navy Federal responded on XX/XX/year> and confirmed the information they are reporting is accurate. However a review of my current credit reports across multiple consumer reporting agencies shows that the same account is not being reported consistently, and the late payment history being reported is not fully supported by the furnisher 's own investigation response. The late payment history reported on this account varies across consumer reporting agencies. The number of late payments and the specific months reported as late are not consistent across all bureaus reporting this account. Because the same account is being reported differently depending on the bureau, the information can not simultaneously be considered accurate and complete across all reporting agencies. Additionally the furnisher 's own CFPB response addresses only a specific payment event without substantiating all of the late payment history currently appearing on my credit file. Late payment reporting that is not supported by the furnisher 's own documented investigation can not be considered fully verified or accurate under the Fair Credit Reporting Act. I am requesting that the credit bureaus conduct a reasonable reinvestigation of the late payment history on this account and require Navy Federal Credit Union to provide complete documentation supporting every late payment notation currently being reported, including the due date, minimum payment amount due, and payment posting history for each disputed month. If the reporting can not be fully substantiated with complete and consistent documentation across all bureaus it must be corrected or deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My father had received an email on XX/XX/year> that someone had been trying to open a credit card for Kohl 's but when he called Capital One they had no information with his credentials. So, I called and they informed me that someone had put in an application for a credit card using my social security number. They went ahead and cancelled the application and reported it as fraudulent.

Company response to consumer: Closed with explanation