vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> I deposited a check via ATM on Tuesday XXXX XXXX per my online banking app it showed deposit was deposited and posted on XXXX XXXX and {$270.00} of it was released a little after XXXX am. I contacted the bank to inquire when funds would be available multiple times to be precise I had XXXX now XXXX different interactions with their CSRS and I was told XXXX different answers. The last representative I spoke to gave me the availability date as of XX/XX/year>, the first representative stated the XXXX business day after posted unless notified then the XXXX business being the latest, the XXXX one stated that it could be XXXX to XXXX business days and provided a different available date and the XXXX XXXX seen no issues or holds on it and explained could be XXXX business day but the latest XXXX one with the available date of XXXX XXXX but XXXX of the XXXX stated if delayed then you will be notified within the XXXX and XXXX business day of a delay via mail or email. The XXXX one stated its always a XXXX business day hold. Ive read the guidelines and stated certain instances for a longer delay than the normal XXXX business day are as follows : XXXX ) suspected of the check not being paid, XXXX ) newer account within the first 30 days, XXXX ) the checks deposited total over {$6700.00} XXXX ) you redeposit a check that hasnt been paid XXXX ) you have continuously overdrawn your account within the last 6 months and/or there is an emergency, such as natural disaster or failure of communications equipment. In the case of one of these occurring a longer hold will be placed on the availability date and notification of a delay in funds will be sent by postal mail or email informing of such an incident. Since this hasnt occurred and I have an emergency which I submitted proof of why XXXX in dire need of the funds as soon as possible. Plus proof of me generating money in to this account that will total more than 3 times the check amount by haveing my tax return deposited to this account in about 2 weeks and my paycheck and as well as my child support payments. In case there was an issue or concern with what if the check was to be returned or stopped. Theyd be able to recoup the amount from my deposits funding it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WA

Complaint narrative:
I am writing to formally dispute the " XXXX XXXX '' status reported on my credit file for the period of XX/XX/XXXX through XX/XX/XXXX. This negative mark is the result of a systemic billing error regarding an expired payment method on a dormant account. 

The Facts of the Dispute : Dormant Account & Expired Credentials : I ceased using this Discover account in XXXX. As shown in the attached screenshot ( Exhibit A ), the merchant ( XXXX ) had my payment method listed as Discover Card ending in XXXX, which expired in XX/XX/XXXX. Because this card expired, I reasonably assumed no further charges could be processed. 
Authorization of Expired Credential : Despite the card being expired for over XXXX years, Discovers system erroneously authorized these charges directly on the expired card ending in XXXX, as shown in the transaction record ( Exhibit B ). This contradicts standard security protocols which should decline transactions on long-expired credentials. 
Established Precedent of Waivers : For years during this dormancy, Discover appears to have automatically applied " Small Balance Credits '' to offset these unauthorized charges, maintaining a net {$0.00} balance ( Exhibit C ). The sudden cessation of this waiver practice without effective notice caused the alleged delinquency. 
Lack of Effective Notice : Because the account was dormant and I relied on the expired status of the card, I received no effective notification of this change in billing practice. 
Final Disposition : When I contacted Discover in XX/XX/XXXX, the agent confirmed I owed nothing. Based on this confirmation, I reasonably understood the matter was resolved as an error with no adverse impact. The account was closed with a net payout check sent to me. 

Intent & History : I maintain an otherwise perfect payment history across all my financial accounts over the last decade. This isolated irregularity occurred solely because of the notification failure regarding this expired credential, not a lack of funds or intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this follow-up complaint to report that inaccurate reporting on my XXXXXXXX XXXX XXXX account ending in XXXX continues across Experian, Equifax, and TransUnion. The account is being reported as Late Open, which does not reflect how the account was opened or managed and is inconsistent with my actual payment history and account statements. Despite prior requests for investigation under FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ), the inaccurate designation has not been corrected or verified. This misleading reporting has negatively impacted my credit profile, financial opportunities, and ability to access fair lending, demonstrating a continued failure by both the credit bureaus and XXXX to maintain accurate reporting as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, against Credence Resource Management for willful and negligent violations of my consumer rights. I have already submitted disputes to XXXX, XXXX XXXX XXXX  in accordance with 1681i, yet the following inaccurate and unverifiable account remains on my credit reports without proper validation or correction : Account # XXXX Original Creditor : XXXX XXXX XXXX Amount : XXXX. No valid contract, signed agreement, or other proof of my liability has been provided in compliance with XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deer Creek Lending
State: CA

Complaint narrative:
I am requesting that the company cease all ACH and electronic fund transfers immediately and confirm in writing that my bank authorization has been revoked. 

I request that the company acknowledge that the loan is disputed and review the legality of the interest rate and fees under California law. 

I further request that the company cease collection activity while this matter is under dispute, communicate only in writing, and provide written confirmation of the current account status. 

I am seeking a resolution that complies with applicable federal and California consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Transworld Systems Inc which is a debt collection company sent me a letter in XX/XX/XXXX stating I owed some money to XXXX. Although I knew I owed XXXX money to XXXX, I was never expecting that XXXX will send the bill to a debt collector. I was with them for over XXXX XXXX. Long story short, I wanted to be done with this. I called the collector and I made the payment over the phone. I have included a XXXX of the payment. 
XXXX XXXX later, XX/XX/XXXX the same debt collector sent me a letter stating that I owe another XXXX $ that needs to be paid. On my first interaction with the collector, after the payment was made, I asked the representative if I owe any other amount and they said the debt was cleared. I asked for XXXXXXXX phone XXXX number to confirm that the acount is current and closed. I was on the phone for over XXXX minutes then I hang up because they never answered the call. Now, XXXX XXXX later I am called to pay another amount and I am not sure what it is?? Also, since I was with XXXX for XXXX XXXX, why they never sent a bill to my address and they sent it to a debt collector?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XX/XX/year>, I contacted Discover XXXX XXXX to request complete information about my private XXXX XXXX  account, including historical servicing records, a breakdown of charges and interest, and an investigation into discrepancies in my loan history. I submitted my inquiry using my XXXX  email address. 
XXXX XXXX XXXX acknowledged receipt of my request but did not provide any of the information I asked for. They stated only that an investigation was in process and did not give a timeline, next steps, or any substantive response. I have not received the required account records, explanations, or documentation needed to understand or verify the servicing of my loan. 
I attempted to resolve this directly with Discover, but the company has not provided the information I requested and has not completed an investigation. Because I can not obtain accurate records or a clear explanation from the lender, I am filing this complaint for regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD 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 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am disputing Hyundai Motor Finances inaccurate reporting of my auto loan account as a charge-off. 

The vehicle was involved in a not-at-fault total-loss accident in XX/XX/year>. Both parties were insured by the same XXXX. Following the loss, insurance proceeds and XXXX coverage were applied, and the account was paid in full on XX/XX/year>. The account now reflects a {$0.00} balance. 

Despite full satisfaction of the debt, Hyundai Motor Finance has reported the account as a charge-off, which is misleading and inaccurate. The account was never abandoned, refused, or unpaid. Any delay in payoff resulted solely from insurance and XXXX claim processing, which was outside of my control. 

Under the Fair Credit Reporting Act, furnishers are required to report information that is accurate and not misleading. Reporting a fully paid auto loan resulting from an insured total loss as a charge-off does not fairly represent the account and has caused ongoing credit harm. 

I am requesting that Hyundai Motor Finance remove the charge-off designation and correct the account to Closed Paid in Full, or delete the tradeline entirely due to inaccurate reporting. I have supporting documentation showing insurance payment, XXXX settlement, and full satisfaction of the account.

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 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX, I was involved into car accident so I went to XXXX XXXX on the same day to get check up. They did a CT and XR on me for total amount of {$9300.00} on XXXX because I have no health insurance. But couple months later they changed the bill to {$23000.00} which is why I'm shocked and I have no money to cover such bill and I'm only earning {$30000.00} below annually for food delivery and I'm XXXX percent below of the poverty line. On XX/XX/XXXX, this time they hired another third party which is AAGRON Collection Agency to try to collect the wrong amount of debt after 60 days. I need this to be dispute because XXXX XXXX kept sending me a wrong bill amount.

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliphant United, Inc.
State: PA

Complaint narrative:
NOTICE OF NON-ENFORCEABILITY, DEMAND FOR COMPLIANCE, AND CEASE CONTACT This correspondence is provided for compliance and redress purposes. 

You are hereby placed on notice that the alleged account referenced in your communication is the direct result of identity theft and is legally unenforceable. I have previously and repeatedly documented this fact and submitted a sworn FTC Identity Theft Report executed under penalty of perjury, which constitutes legally sufficient proof under 15 U.S.C. 1681c-2.

Despite this, the account was transferred to Accelerated Inventory Management , LLC and subsequently assigned to your office. Once identity theft has been established and notice provided, federal law prohibits any further collection activity, reporting, assignment, or attempted enforcement of the account. Any attempt to collect such an account after notice constitutes violations of applicable federal consumer protection statutes. 

Your contact regarding this matter therefore represents an attempt to collect a debt that is not owed and not legally enforceable. 

NOTICE OF RIGHTS AND REDRESS Please be advised that I am fully aware of my rights under federal law. Any additional contact, attempt to collect, or further violation after receipt of this notice will be documented and addressed through all appropriate channels available to me, including regulatory and legal remedies. 

Nothing in this correspondence shall be construed as an admission of liability, nor a waiver of any rights or protections afforded to me under state or federal law. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with Truist bank online. I provided all information accurately, including uploading my drivers license and using facial recognition to verify my identity. I transferred {$250.00} to the new account from my XXXX XXXX XXXX  account ( that is solely in my name ). Truist sent an email asking me to fund my account. I then transferred another {$200.00} from XXXX XXXX to Truist. I received yet another email from Truist to fund my account. I called Truist and asked them specifically when my debit card will be delivered because I intended to transfer ALL my money to Truist and wanted to make sure I would have access to the money. The representative said the debit card will be delivered on XXXX. I was ok with that an transferred EVERYTHING I had ( {$1500.00} ) to Truist. Truist accepted the transfer and transferred ALL my money into the Truist account. On XXXX they then froze my account due to potential fraud. I called Truist and offered every possible solution to verify that I am who I say I am. I advised them that I will now not be able to pick up my prescription medications!! I will be without food. They said that there is nothing they can do. The account will be assigned to a specialist in 10 business days!!! I told them I need my money immediately for medical reasons and for food. They refused to help and refused to allow me access to MY money. I need your help!

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 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This emotional toll has been very overwhelming. I have lost sleep, felt an abundance of stress and humiliation. Being turned away by landlords for something I believe should not be on my record. This has impacted me in so many ways and has affected my ability to provide safe and stable housing for my children. 
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account which we ever agreed upon, and I never signed an agreement on. A legal Contract is signed by two parties and I was never a participant of such. Also they didnt follow the 5 step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly they have violated my rights and abused my privileges. I demand this account to be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells Fargo started charging inactivity fees to my account, so I deposited the minimum amount ( {$500.00} ) to avoid fees. A few months later they tripled the amount ( {$1500.00} ). 

Ive tried to call them numerous times to close the account, but I have never reached a human being. Every time I state that I am looking to close the account to the robot assistant it tells me that no one is available and to try again later then hangs up on me. I have tried calling at all hours of the day. 

Last week I visited a branch and requested to close the account. I was told I would have to make an appointment with the banker and they didnt know when the earliest appointment is. They did not have any appointments available while I was in the country so I have resorted back to calling and cant get through to anyone. 

There is no option for me to send any kind of email or message to a real person, it just keeps taking me back to ai chatbots that inevitably say there is no way to help. I am just trying to close my account, they dont even have an email address I can reach out to.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
This complaint concerns inaccurate credit reporting, improper post-closure fees, and failure to provide required disclosures regarding a credit card account issued by XXXX and serviced by Imagine. 

The company has confirmed verbally that the account was closed in XX/XX/XXXX. However, there is no written notice, statement, or message confirming closure provided to me at that time. Despite this, the company continued to assess fees and report the account as delinquent after the closure date. 

The account has been reported inconsistently across credit bureaus, including being reported as both closed and late during overlapping periods, and in some instances treated as an open account after the closure date. The company later reported the account as closed again in XX/XX/XXXX, further contradicting prior reporting. 

I disputed these inaccuracies with the credit reporting agencies multiple times and submitted written disputes and reinvestigation requests. The responses did not correct the inconsistencies or address the improper post-closure fees. Credit reporting continued to reflect late payments and balances despite the account being closed and no amount past due. 

I requested written confirmation of the closure date, an itemization and explanation of all fees assessed after closure, copies of any notices allegedly sent to me, and an explanation for the contradictory credit reporting. The company did not provide this information. 

I am requesting that the company correct all inaccurate credit reporting, remove all derogatory information associated with post-closure activity, refund any fees assessed after the account was closed, and provide proper written documentation supporting any charges or reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief