vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
Account opened fraudulently and now my information is reporting as a risk in Check systems

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 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Property Receivables, Corp
State: AZ

Complaint narrative:
I am disputing a rental collection account being reported by Property Receivables Corp on my credit report. I previously disputed this account with XXXX because I believe the balance and charges may be inaccurate. The account was verified without sufficient supporting documentation being provided to me. I am requesting proper validation of this alleged debt, including : - An itemized breakdown of all charges - A copy of the signed lease agreement - Move-out inspection documentation - Proof of damages or fees assessed - Proof of notice sent regarding the balance - Documentation showing how the reported amount was calculated I have concerns regarding the accuracy of the reported balance and whether the collection account has been properly validated before being reported to the credit bureaus. This collection account has negatively impacted my ability to obtain housing. I am requesting that the furnisher provide complete validation and investigate the accuracy of this account and the information being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: CA

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT REFLECT MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MAINTAINED MY ACCOUNT AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I.C. SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM 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 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 2026-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
A check with the amount of {$5900.00} which had XXXX parties name was deposited in Huntington bank in a single savings account on XXXX/XXXX/3026. On Wednesday XX/XX/year>, we went to a Huntington branch in XXXX XXXX XXXX, XXXX, Ohio and an endorsement form was signed by the other party which is not a customer of Huntington bank but has her name on the check. The check was notarized and we were told within XXXX hours the check would have been processed and reflected in my account. I called the issuer and we were told the money had already been deducted from their account. Today is XX/XX/year> and the money has not been reflected in my account. I have been calling the bank to tell them whats going on but I couldnt get a straight answer. This has never happened to me before. The delay of payment had caused so much financial damage to me and my family. My bills are overdue so I need to get my money as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I am disputing approximately {$500.00} in deferred interest charges added to my XXXX retail financing account after the promotional period ended. I was making payments in good faith with the intention of paying off the balance. However, I was not fully aware that failing to pay the full balance by the exact promotional deadline would result in retroactive interest being applied to the entire original amount. I am requesting a review of these charges and an adjustment or removal of the deferred interest so I can resolve and close the account in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding a disputed collection account appearing on my XXXX report dated XX/XX/XXXX. LVNV Funding LLC is reporting a {$370.00} collection account allegedly from XXXX XXXX XXXX. I dispute the account, the balance, the claimed ownership, the authority to collect, the past-due status, the reporting dates, the reporting history, and the completeness of the information furnished to XXXX and possibly transunion and XXXX. The XXXX report lists LVNV Funding LLC as a debt buyer, reports the account as opened on XX/XX/XXXX, status updated XX/XX/XXXX, balance updated XX/XX/XXXX, original balance {$370.00}, current balance {$370.00}, past due amount {$370.00}, and Terms : 1 Month. The report does not identify any company sold/assignment chain and does not show the date of first delinquency, charge-off date, last payment date, itemization date, or records supporting the claimed amount. I am not admitting that I owe this debt. I am formally disputing the debt and requesting complete validation and verification. Under Regulation V, a furnisher must reasonably investigate direct disputes involving liability, account terms, balance, payment status, account dates, and other information bearing on creditworthiness. A furnisher must also maintain reasonable written policies and procedures regarding the accuracy and integrity of information furnished to consumer reporting agencies. Under FCRA 1681s-2, furnishers may not report information they know or have reasonable cause to believe is inaccurate, must correct and update incomplete or inaccurate information, and must report a consumer dispute when continuing to furnish disputed information. If a furnisher receives a CRA dispute, it must investigate, review the relevant information, report results, and modify, delete, or block information that is inaccurate, incomplete, or unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
ECOA VIOLATION : There was an explicit and direct discrimination in the form of Disparate Impact which has caused substantial harm to the protected group I identify with, without a valid business necessity. FAIR LENDING VIOLATION : Inadequate risk based notices available leading to inconsistent treatment and disparities without providing me the opportunity to assist in remediation of an adverse credit decision. CREDIT DISCRIMINATION : Per American Express own website, they claim exemptions exist if I can provide proof of regular income ... yet gave no option for doing so at time of credit application which resulted in unfair denial of credit BANKING AND SERVICE DISCRIMINATION : The unequal treatment provided to me is a clear cut example of this violation. POTENTIAL ALGORITHMIC BIAS : With the ever growing utilization of AI models within the automation of credit decisions, there exists a high probability of this type of violations. SEVERE EMOTIONAL DISTRESS : This process with American Express has impacted me significantly and has given me severe emotional and mental stress which will in all likelihood need long term treatment for resolution. I no longer feel confident in the financial realm and my self worth is extensively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing yet another complaint against SoFi because this has become a documented pattern of threatening communications, disregard for my communication directives, and failure to provide meaningful assistance despite repeated prior complaints and documented financial hardship. I have already filed several formal complaints specifically to document this pattern of conduct, and if this behavior continues, I will also proceed with filing with the California Department XXXX XXXX XXXX and XXXX ( XXXX ). Most recently, SoFi sent a delinquency communication demanding {$900.00} immediately while my account is approximately XXXX days past due, despite being fully aware of my documented financial hardship and prior attempts to seek assistance. Let me be clear : I am not an uninformed consumer. I was able to maintain payments on this account through approximately XXXX, which clearly demonstrates willingness to pay before my financial circumstances materially changed. The issue is hardship, not refusal. That makes SoFis continued reliance on threatening collection communications instead of meaningful written solutions even more concerning. I have repeatedly instructed that communications remain in writing. I have also repeatedly provided my designated mailing address, which is my XXXX XXXXXXXX, for correspondence due to privacy concerns. This has been communicated multiple times. If SoFi once again disregards that directive and sends physical mail elsewhere, you can guarantee that additional formal complaints will immediately follow. Instead of honoring these clearly stated directives or meaningfully responding, SoFi continues sending pressure-based communications while ignoring the substance of what has been raised. As a consumer, I have rights under federal consumer protection laws, including protection from unfair, deceptive, or abusive acts or practices ( XXXX ) and the right to meaningful review of hardship concerns and account treatment. Repeated disregard of documented communication directives, failure to provide meaningful written options, and continued escalation through collection threats raises serious compliance concerns. I previously sought hardship assistance, and the so-called assistance offered was not meaningful relief. Now, instead of constructively engaging, SoFi is demanding an immediate lump sum that is clearly not financially feasible. This is precisely why multiple complaints have already been filedto document a clear pattern where SoFi ignores prior communications, disregards directives, and defaults to pressure tactics rather than resolution. Regulatory review is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: AR

Complaint narrative:
I am filing this CFPB complaint regarding inaccurate credit reporting across all three bureausTransUnion, Experian, and Equifaxconcerning the account reported by XXXX XXXX XXXX XXXX XXXX / XXXXXXXX XXXX XXXX, which is currently showing a {$13000.00} balance, Last Activity Date variations ( XXXX / XXXX ), and repeated negative payment statuses including LATE 30 DAYS ( XXXX, XXXX, XXXX, XX/XX/year> ) and LATE 60 DAYS ( XX/XX/year> and XX/XX/year> ). Under FCRA 609 ( 15 U.S.C. 1681g ) I am requesting full disclosure of all verification records, payment history, and first delinquency date used to report this account ; under FCRA 611 ( 15 U.S.C. 1681i ) I am requesting a proper reinvestigation of all disputed data ; under FCRA 623 ( a ) ( 2 ) I am requesting that all furnishers ensure accurate and updated reporting ; and under FCRA 623 ( b ) I am requesting complete validation from the furnisher confirming how each late status and balance was calculated and reported. I am also raising concerns under FCRA 15 U.S. Code 1666 and 1666a regarding potential billing errors and restrictions during dispute periods that may have contributed to inaccurate delinquency reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
XX/XX/XXXX XXXX payment was allowed to be completed to an account with a fraud hold. The hold was from a dispute I initiated on XX/XX/XXXX. I was unaware the dispute remained open I had requested it be closed in support chat multiple times. I was told I could not close a dispute I initiated but they would update the information. I never received an email or phone call. Then I submit this payment to find out that there is a block on his account. He told me to request a refund I attempted to do that and received an error that he could not accept requests. If he can not accept requests why would a transaction post to the account. I have repeatedly asked for fraud department to resolve this and reverse my transaction. I continue to request fraud and corporates numbers. I have yet to be told anything outer than my complaint is being closed. Im attaching screenshots and PDFs confirming my conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
In XXXX I applied for a mortgage loan modification due to a natural disaster. ( XXXX XXXX ) it was approved for the modification at {$1000.00} for XXXX trial payments. And i completed those payments using my home assistance funding provided to me by a third party organization that was included in the terms and conditions of my home loan when i first signed the loan documents. I was able to complete the trial payments successfully. I signed and notarized the documents required and I was denied at the very end because a unknown document was not received although all the documents were provided by a notary that was sent to me by cross country mortgage and returned by the notary agent the company provided. I had to redo the loan modification process again in XXXX when the modification was rejected with very short notice. I reached out to cross country mortgage and I was informed that I was being discriminated against because of my housing assistance payments. I was also told that the terms and conditions of my mortgage loan had changed and I would no longer be able to use the money alloted to me by the XXXX XXXX towards my mortgage payments although the assistance is what makes my mortgage affordable to me. I explained this to the representative and I also reached out to several branch managers who helped me set up my mortgage loan that was originally offered to me through the housing agency. I was informed I would be able to use new payments towards my trial period payments but I could not use any past payments. I continued to form a new loan modification with acceptance of my housing payments that I made including my portion along with my housing assistance payments. I was informed last week that my payments weren't made correctly although I have proof that they were and the terms were met. Now my home is in foreclosure. I need help. I am XXXX and I have XXXX children. XXXX child is 2 months old. This has been a consistent devastation to me and my children. I dont want this to happen to someone else. I have done everything asked of me under the guidance of cross country mortgage management and they are not longer accepting my payments although I have been paying as guided and I was approved for a loan modification trial period for a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: CA

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT REFLECT MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MAINTAINED MY ACCOUNT AS AGREED.

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I obtained my official credit report from TransUnion ( XXXX XXXX XXXX ). The report contains multiple errors that violate the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( accuracy ) and 1681i ( investigation ). Specific inaccurate items : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX days late for XXXX consecutive months ( XXXX ) Last payment : XX/XX/XXXX over XXXX years ago Balance : {$29000.00} The reporting agency continues to update this as " 120 days late '' monthly instead of reporting a charge-off with a XXXX balance. This is improper account styling and violates FCRA accuracy requirements. XXXX. XXXX XXXX XXXX Secured credit builder account XXXX a balance of {$29000.00} as " 120 days late '' XXXX is a small secured credit builder product a {$29000.00} balance is factually impossible This appears to be a data furnisher error that the credit bureau failed to identify XXXX. Collection accounts three items XXXX XXXX XXXX ( {$220.00}, original creditor XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( {$500.00}, original creditor XXXX XXXX XXXX Radius Global Solutions LLC ( {$1600.00}, original creditor XXXX XXXX XXXX XXXX XXXXone of these have been properly validated. There is no signed contract or itemized accounting attached to my file. XXXX. Personal information XXXX outdated addresses and XXXX unknown phone numbers remain on my file These are not my current address and can cause inaccurate identity matching My rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt, including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express partially resolved my dispute by crediting 4 of 10 unauthorized charges from merchant XXXX * XXXXXXXX XXXX XXXX XXXX XXXXXXXX denying the remaining XXXX charges totaling {$96.00} ( Reference Numbers XXXX through XXXX ). The credited and denied charges are legally identical : same merchant, same expired card, same absent re-authorization, same documented non-use of facility ( last visit XX/XX/XXXX 18 months ago ). Key facts : The merchant 's own written notice dated XX/XX/XXXX confirmed the card was expiring and that continued billing required my affirmative action. I took no action deliberately. The signed authorization form on file explicitly limits authorization to one specific card only. It expired XX/XX/XXXX. No new authorization was ever executed. The merchant 's own portal displayed the card as expired in red while charges continued processing. XXXX XXXX 's Account Updater feature transmitted updated card credentials to the merchant without my knowledge or consent. On XX/XX/XXXX, AMEX closed four formal written disputes on the same day they were received without investigation, citing " CM Agreement and/or merchant policies '' which does not satisfy the reasonable investigation requirement under 15 U.S.C. 1666 ( a ). AMEX crediting recent charges while denying identical earlier ones is selective damage control, not FCBA compliance. I am requesting CFPB compel American Express to apply the same standard to all charges and refund the remaining {$96.00}. Additionally, XXXX XXXX XXXX XXXX XXXX ( billing operator for XXXX XXXX XXXX ) continued processing charges after their own written notice dated XX/XX/XXXX confirmed that authorization was expiring and that continued billing required my affirmative action. I did not respond and did not provide updated payment information. They charged me XXXX consecutive months totaling {$160.00} on an expired card, for a facility I had not visited in over 18 months, without any re-authorization. When formally notified in writing on XX/XX/XXXX and XX/XX/XXXX with full documentation, they responded with form letters addressing XXXX substantive points. This constitutes an unconscionable act under the Texas Deceptive Trade Practices Act, Tex. Bus. & Com. Code 17.46 ( b ), and unauthorized recurring billing under Regulation Z, 12 C.F.R. 1026.13.

Company response to consumer: Closed with explanation