vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, Capital One posted a bank-initiated Adjustment Debit Adjustment to correct error to my checking account, creating a negative balance and withholding {$10000.00} of my funds. This adjustment was not caused by any action on my part. I contacted Capital One immediately and a case was opened over a week ago. As of today, I have been without access to my funds for 10 days. 

Despite multiple follow-ups, Capital One has failed to correct the ledger or return my funds in a reasonable timeframe. Capital One has stated that they did not receive funds related to a deposited check but has refused to provide any documentation or proof supporting that claim. 

Capital One previously attempted to resolve this issue by sending a wire for {$10000.00} on XX/XX/year>, to an external bank. The receiving bank confirmed that the wire was received and returned the same day because the related case was closed, and the funds were returned to Capital One. Despite this, Capital One continues to withhold my funds.

Capital One further advised that their back-office team would review the issue and respond in approximately XXXX to XXXX additional days, despite the funds being withheld due to a bank-initiated error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I am filing a complaint regarding medical financing through Cherry Technologies. 
My doctors office arranged what was explained to me as a short-term XXXX payment plan. I agreed based on that understanding. However, I later discovered that Cherry processed this as two separate financing plans, structured as XXXX loans with APRs of 35.97 % and 29.99 %. 
I did not knowingly authorize or consent to long-term, high-interest medical loans, and I was not clearly informed that my balance would be split into two separate accounts with different APRs. The repayment terms and interest rates were not properly disclosed in a way that allowed informed consent. 
Even my doctors office has stated they do not understand why Cherry set the plan up for a full year rather than the agreed 4-month arrangement. 
Because these loans carry extremely high APRs, extending the repayment period significantly increases the total cost and appears to be an unfair and deceptive lending practice in a medical setting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am disputing this alleged debt because it is not owed by me. The account appears to be related to an alleged employment-related obligation, not a consumer debt. I previously disputed this account and requested validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including documentation showing that I owe the debt and that the company has the legal right to collect it. 

The company failed to provide any competent evidence or documentation to validate the debt. Despite this failure, the account continues to be reported and/or collection activity continues. This constitutes an attempt to collect an unverified debt and the continued reporting of inaccurate information, in violation of the FDCPA ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ), including the duty to ensure maximum possible accuracy and to correct or delete unverifiable information ( 15 U.S.C. 1681s-2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: IL

Complaint narrative:
Systems & Services Technologies , Inc. ( SST ) continues to furnish a charged-off account to consumer reporting agencies despite admitting it does not own the debt and no longer services the account. 

In SSTs CFPB response dated XX/XX/year>, SST states that servicing of this account was transferred to XXXX XXXX XXXX effective XX/XX/year>, and that SST has no ownership interest in the account. Despite this, SST continues to report and verify the tradeline to XXXX  and XXXX. 

A non-owner, non-servicing entity lacks first-hand knowledge and authority to verify ongoing balances, account status, or reporting accuracy. Continued furnishing under these circumstances violates the Fair Credit Reporting Act requirement to ensure maximum possible accuracy. 

Additionally, this same tradeline has already been deleted by XXXX, demonstrating inconsistent reporting across consumer reporting agencies. 

I am requesting that SST cease furnishing this account entirely and permanently delete it from all consumer reporting agencies, as SST is not the proper furnisher and can not lawfully verify the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/year>, I purchased tickets to the musical XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using my Citibank credit card through XXXX. At the time of purchase, the venue itself had not yet begun selling tickets, making it impossible for me to know the official ticket prices or to compare pricing through authorized channels. The XXXX website presentation, venue imagery, and search placement strongly implied that the site was an authorized or official ticket seller. It did not clearly disclose upfront that it was a third-party resale marketplace charging extreme markups. 
The true inflated total price, including fees, was not made clear until late in the checkout process. The pricing presentation made the tickets appear reasonably priced when they were, in fact, grossly inflated compared to official ticketing channels. 
After completing the purchase, I independently contacted the venue and confirmed that tickets purchased directly through the official box office were available at a much lower, clearly disclosed price. The venues own website warns consumers that it does not authorize or guarantee tickets purchased through third-party resale sites and can not assist with tickets purchased elsewhere. 
I promptly disputed the charge with Citibank, citing deceptive pricing, misleading presentation, and lack of clear disclosure. I provided extensive documentation, including screenshots, timelines, and evidence of the venues ticketing policy. Despite this, Citibank denied the dispute and issued a bill stating that I owe the full amount. 
Citibank did not provide a meaningful explanation of how my evidence was evaluated or how deceptive merchant practices were considered. The dispute process was prolonged, opaque, and required repeated submissions without substantive response. 
XXXX has multiple documented consumer complaints, including XXXX filings, describing the same conduct : misleading presentation, failure to clearly disclose resale status, extreme price inflation, and boilerplate responses without remediation. This demonstrates a pattern of deceptive practices. 
I do not want the tickets. I am seeking rescission of a transaction induced by deceptive practices, not delivery of goods. Citibanks denial forces the consumer to absorb financial harm caused by a known deceptive merchant practice rather than providing the protections expected under fair credit billing standards.

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 2026-01-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. 
Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and 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 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I am submitting this complaint regarding a student loan that was legally discharged and should no longer be reported on my credit file.

This loan was previously discharged and removed from my credit report ; however, it has since reappeared and/or continues to be reported inaccurately, including being marked as active or pay as agreed.

Reporting a discharged student loan is inaccurate and misleading and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires information furnished to consumer reporting agencies to be complete, accurate, and verifiable. Once a loan has been discharged, it no longer constitutes a valid, reportable obligation.

I have disputed this account with the credit reporting agencies and/or the loan servicer, yet the inaccurate reporting has not been corrected. The continued reporting of this discharged loan has negatively impacted my credit profile.

I am requesting that this account be immediately deleted from all consumer reporting agencies and that the furnisher provide confirmation that no further reporting will occur on this discharged obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems for inaccurate and unvalidated debt reporting. 

Jefferson Capital Systems is reporting a collection account with a balance of {$4700.00} and listing XXXX as the original creditor. XXXX is also separately reporting a balance of {$4000.00} on a different account. This suggests XXXX is alleging I owe over {$8800.00} in total, which I have never owed. 

I do not recognize this alleged debt. Jefferson Capital has never provided me with validation of the debt, proof of ownership, or an itemized accounting of how this balance was calculated. I never received a notice giving me the opportunity to dispute the validity of this debt as required by law.

The reporting shows overlapping and contradictory account timelines and no explanation for how the balance was created. I did not consent to any additional services or products that would result in this amount. 

I am requesting that Jefferson Capital Systems : Provide proof they own this debt Provide the original XXXX contract and itemized billing Cease reporting this account unless it can be fully validated Delete this tradeline from all credit bureaus This appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/year>, fifth and third banking locked my card and refused to allow me to make a purchase after 3 attempts of calling and verification. I was not able to make a purchase for repairs done to my vehicle, as a result, my car was left at the shop because they were closing. I had to find a way to get a XXXX. I called at XXXX XXXX  MT. And told to make the transaction in XXXX min. I tried to make the transaction again and it was declined. I called back at XXXX. I re-verified and was told to retry the transaction on XXXX min. The transaction was declined with error XXXX. I called the call center again. And they were closed. I tried to contact through the mobile app with costumer service and told the were working on it. For several hours. And told that it would it work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I made an international wire in the amount of {$35000.00} to my bank account in XXXX. Unbeknownst to me, our account was temporarily blocked in XXXX due to a small clerical error. As soon as I got the account unblocked, I waited to see that the funds would be deposited. When the funds didnt go through into the account, I contacted my bank in the U.S. which is Huntington bank in XXXX Ohio and I requested a wire trace investigation from one of the staff members in wealth management, with whom I have been a customer for 25 years. She stated she was limited in her ability to help and requested assistance from her supervisor who said she was unable to assist since we no longer had over {>= $1,000,000} in assets with Huntington bank. Since then, I have received very little correspondence from Huntington bank about the missing {$35000.00} that I sent to XXXX ( now over six weeks ago ). When I try to call or communicate by email, I receive very little response or I receive an answer that is very vague such as were working on it. No one will return my calls or give me any real status update. Now I feel I am at a place whereby I need to escalate my initiative to locate my missing funds and I am hoping for your help. Please advise me as to what to do next. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Spring Oaks Capital has deleted its tradeline after I disputed and requested validation ; however, XXXX XXXX XXXX of Tennessee, the original creditor, refuses to resolve the matter. The account was furnished without ensuring maximum possible accuracy and without providing a wet-ink signed contract, full chain of assignment, or proof of my authorization. Both parties actions caused credit harm, distress, and financial injury. Deletion alone does not remedy the damages already suffered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive tried to resolve this issue, its really frustrating and its effecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive tried to resolve this issue, its really frustrating and its effecting my life.

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 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Applied for personal loan. To pay off credit cards Turned down. 
I have good credit, pay on time, Im looking for a XXXX loan, which I get offers for, Except when applied, turned down

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 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the account your agency is attempting to collect and to demand that you immediately cease and desist all collection activity related to this matter.

I have no knowledge of, nor have I ever authorized, opened, or benefited from the alleged account you claim is associated with my name. Any attempt to collect on this account is therefore invalid and inaccurate. Your continued reporting of this account is negatively impacting my credit and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Additionally, I find it highly concerning and unacceptable that when I contacted your agency by phone, I was asked to provide my full Social Security number as a means of verification. This practice is unsafe and raises serious concerns regarding identity theft and your agencys compliance with consumer protection and data security standards. It should not be this easy for an unauthorized party to use my name to open an account and cause damage to my credit profile.

Because I have no knowledge of this account, you are hereby directed to : Immediately cease all collection efforts.

Remove this account from all credit reporting agencies to which it has been reported.

Provide written confirmation that the account has been deleted and that no further action will be taken against me.

If you fail to comply, I am prepared to file formal complaints with, the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and to pursue any additional legal remedies available to me.

This letter serves as a formal notice. Any further contact regarding this matter, other than written confirmation of removal, will be documented. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
Have used Affirm previously for XXXXXXXX XXXX XXXX XXXX  in transactions. Used Affirm  to book an airline ticket with XXXX XXXX XXXX. After ticket was booked, I realized a mistake in the software had booked me staying longer than I could. XXXX XXXX XXXX XXXX  and was only offerred a change for an additional exorbinate fee and no offer to cancel and very little refund. I called Affirm to dispute the charge, and ask them not to fund the transaction, less than XXXX minutes after it was made. I was told the transaction was in a " pending status '' and I would have to wait 3 days, but not to worry XXXX  they would refund the money after a dispute. I advised I was not comfortable, and begged them to simply not fund the transaction. XXXX, the transaction was funded, anyway. At the XXXX say, the dispute was started, however, Affirm wanted recordings of the phone call between myself and XXXX XXXX XXXX. ( Who records customer service phone calls? ) None the less, Affirm " investigated ''. They judged on the side of XXXX XXXX XXXX and would not resolve the issue in good faith. They now have been reporting the account as much as 120 days past due to the credit bureaus. They are adamant that I owe XXXX XXXX and reporting it as late

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding a collection account being furnished by Online Information Services ( Online IN SV ) that is appearing on my credit report. 

This account is being reported without lawful authority, competent evidence, or verification, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have disputed this account and requested validation. Despite this, Online Information Services continues to report the account as verified without producing any documentary proof that the alleged debt is accurate, legally owed, or that they have the right to collect or report it. 

To date, Online Information Services has failed to provide : Proof of legal ownership or assignment of the alleged debt A complete chain of title from the original creditor An original signed contract or agreement An itemized accounting of the amount claimed Billing statements or payment history Proof of permissible purpose to report this account Evidence of a reasonable investigation as required by law Verification through automated systems, data matching, or internal account notes does not meet the legal standard for validation or reinvestigation. 

WHY THIS IS A PROBLEM A collection account is a factual assertion, not an opinion. Under federal law, factual assertions must be supported by competent evidence. Reporting unverified collection data violates the requirement of maximum possible accuracy. 

By continuing to furnish this collection account without proper validation, Online Information Services is publishing inaccurate and misleading information, which has caused harm to my credit profile and resulted in financial injury. 

LAWS AND REGULATIONS INVOLVED 15 U.S.C. 1681e ( b ) Maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher duties upon notice of dispute 15 U.S.C. 1681b Permissible purpose 15 U.S.C. 1692g ( b ) FDCPA debt validation requirements

Company response to consumer: Closed with explanation