vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: MD

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am disputing a repossession account currently being reported under XXXX as inaccurate and unlawful. The creditor failed to provide me with the legally required Right to Redeem notice before selling or disposing of the vehicle, as mandated under UCC 9-611 and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX Citibank complaint they mentioned that they included an attachment in their response. Their is none. Someone stole access of the Citibank checking and savings account linked to my social security number ending XXXX, XXXX XXXX, XXXX XXXX and Citibank at this point is aiding and abetting identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
The institution did not provide the evidence relied upon in its decision, and therefore I dispute that a reasonable investigation was completed. I am submitting a complaint regarding my financial institutions handling of an electronic fund transfer dispute and their failure to comply with federal consumer protection requirements. In XXXX, I disputed a transaction on my account that I believe was unauthorized and/or improperly charged. The financial institution conducted an investigation and ultimately denied my dispute, stating they sided with the merchant. However, I was not provided with sufficient documentation or evidence supporting their decision, despite my explicit request for the materials used in their determination, including any signed authorization, proof of purchase, or equivalent verification. I submitted a timely dispute for an electronic transaction on my account. The bank denied the dispute and upheld the merchants claim. I requested documentation supporting their investigation and decision. The bank failed to provide adequate evidence or a clear explanation of their findings. This appears to be a failure to comply with : 12 CFR 1005.11 Electronic Fund Transfer Act Under Regulation E, financial institutions are required to : Conduct a reasonable and timely investigation of disputed transactions Provide a written explanation of their findings Retain and rely on documentation supporting their determination Correct errors or provide substantiated justification for denial

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XX/XX/2025 I did a balance transfer with Jet Blue Barclays card and they have made it nearly impossible to pay off the balance because they say the bank chooses where funds get allocated - current balance or balance transfer balance. It's not consumer friendly and I have called numerous times to complain. I have followed their suggestions by overpaying the current month balance to pay it down and most months the funds got allocated to my current balance instead of the transfer. They say this is all computer automated, but I think it's an attempt to make it so difficult to pay the balance that you have to pay a fee. They also will not be forthcoming about whether the balance i just paid will close out the transfer. I feel this is unfair to consumers and dishonest. Their online portal is not transparent and their customer service reps are usually wrong. Each time I call they say something different.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is a follow up to complaint complaint ID XXXX -Subject : Response to Portfolio Recovery Associates Inadequate Debt Validation I am writing in response to Portfolio Recovery Associates , LLCs reply to my complaint. After reviewing the documentation they provided, I dispute their conclusion that this debt has been properly validated. Portfolio Recovery Associates claims the account is valid ; however, the documents submitted do not meet the requirements for proper debt validation under federal law. The materials provided consist primarily of a billing statement and a notice of account transfer. These documents do not establish that I am legally obligated to pay this debt. Specifically, Portfolio Recovery Associates failed to provide : A signed agreement or application bearing my signature demonstrating that I entered into a contractual obligation Complete account statements from the accounts inception through the alleged default Documentation showing a full and unbroken chain of assignment from the original creditor to Portfolio Recovery Associates, specifically tied to me and this account Evidence that Portfolio Recovery Associates has the legal authority to collect on this account A billing statement alone does not constitute sufficient proof of liability, nor does a general transfer letter establish ownership of a specific, enforceable debt. Because the debt has not been properly validated, I request the following : 1. Immediate deletion of this account from all consumer reporting agencies 2. Cessation of all collection activity until proper validation is provided 3. Verification that Portfolio Recovery Associates has notified all credit bureaus to remove this account If Portfolio Recovery Associates is unable to provide adequate documentation demonstrating my legal obligation for this debt, continued reporting and collection efforts may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I expect this matter to be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I received a letter from resurgent capital on XX/XX/year>. The account number on the letter is XXXX for {$1100.00} original creditor is LVNV Funding. On XX/XX/year> I received a letter from XXXX trying to collect a debt ; account number on the letter is XXXX for {$1100.00} original creditor is LVNV Funding. I want to stop XXXX different companies from collecting on the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I cancelled a XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX order # XXXX ) before it shipped. XXXX confirmed the cancellation via email on XX/XX/XXXX. Despite this, Acima Leasing continued to include the item in my lease ( # XXXX ) and charge me for it. I contacted Acima no fewer than five times over approximately one month, providing the XXXX cancellation confirmation each time, without resolution. I filed CFPB complaint # XXXX. Acima responded claiming a {$860.00} adjustment on XX/XX/XXXX resolved my complaint. This is incorrect. That adjustment was made to a separate lease ( # XXXX ) and related to a different item a XXXX XXXX XXXX XXXX not the XXXX XXXX. The XXXX XXXX remains listed as active merchandise on lease # XXXX to this day, and I continue to be charged for an item I cancelled and never received. Acimas response to my prior complaint conflated two separate leases and two separate items. The issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX and XXXX. XX/XX/XXXX on both accounts. I purchased a new XXXX and all of my apps transferred except my XXXX account. I called them to reconnect the account and was told I would have to deposit {$10.00} to my account and that it would be refunded the next day. I reviewed my bank account and saw that {$1000.00} dollars was gone and shown in XXXX as a purchase. There are 6 transactions on XX/XX/XXXX that were purchased and sold. My {$1000.00} dollars are not reflected in my assets. The money basically disappeared. I finally got a hold of a XXXX employee ( maybe ) and was told someone had breached my account. She told me she would investigate and call me back. She did but I missed her call. I have since tried that same number but all I get is a busy signal. The same day I contacted my bank and opened a claim but was denied because it was crypto and they don't deal with that. Once i received their decline letter I called them and spoke to a supervisor. I asked that another claim be reopened per Regulation E. I was denied again and was told to visit the branch manager. I asked them to reopen another fraud claim and give me a new transaction number. I was told no and was handed a posted note with the Federal Trade Commission and Reportfraud.ftc.gov. I asked that my {$1000.00} to be reinstated back to my account and was told no. The transactions were not authorized electronic transfers. This is a fraud case. I was lied to and taken advantage of and neither party is willing to help. The bank asked me why I gave them my debit card number of which I did not. I origanally opened the account in XXXX and still have the same checking account. My bank treated me as if I purchased crypto and lost the money and now I'm trying to get it back from them. They told me to talk to XXXX, see you later. I was cheated out of my money by someone that represented coinbase but it turns out that they were not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
It seems no one can explain why things are advertised " free '' or " 75 % '' off and on refund receipt it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage is holding {$44000.00} in XXXX XXXX insurance proceeds deposited XXXX XXXX XXXX, with {$37000.00} remaining after the first draw. These funds were sufficient to cure the delinquency, and I provided written authorization on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX to apply up to {$15000.00} toward curing the loan. Freedom has not released the funds, not applied the authorized amount, and has provided no written approval, denial, or explanation. Indexed Issues : * Failure to Apply Funds : Freedom refused to apply authorized insurance proceeds to cure the delinquency. " DEED MANDATES APPLIED USE & Homeowner specifically specified '' * Failure to Release Insurance Proceeds : Funds for a detached structure were withheld despite HUD rules allowing release ; I provided HUD guidance in XX/XX/XXXX. * DualTracking : Freedom continued foreclosure activity while holding sufficient funds to cure. * No Written Determinations : No written response regarding release or application of funds as of XXXX XXXX, XXXX. * Misrepresentation of HUD/FHA Rules : Freedom provided incorrect information even after receiving correct HUD guidance . * Resulting Harm : Ongoing property damage during storms, daily financial loss, and severe stress due to withheld funds and continued foreclosure activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I discovered that my ex whom I shared a title/loan on a vehicle with refinanced the vehicle with his credit union . On XX/XX/year> a representative named XXXX confirmed they had a XXXX on file allegedly bearing my name on it. I requested a copy of it, as it's owed to me under many statutory laws in Texas and they are refusing to give it to me without a subpoena as I am not a member, even though it's allegedly completed by me. I spoke with multiple parties on XX/XX/XXXX and they again are refusing to provide me with the documents that they used to secure the vehicle, bearing my name. I have informed them they are in possession of goods, stolen from me, based on a fraud/forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX - XXXX and XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX - XXXX and XXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Branch Messenger, Inc.
State: AZ

Complaint narrative:
I used a XXXX ATM at a local XXXX XXXX ATM # XXXX. I attempted to withdrawl {$40.00}. The ATM acted like it was trying to dispense the money. However it then went to a screen I never seen before then a reciept came out and no money came out. The reciept days it was dispensed. I tried to call allpoint and my card holder. XXXX said they cant do anything to call my bank and file a dispute. I filed a dispute and they denied it saying they dont cover ATM issues. It took them 3 days to decline it. Now at this point I dont know what to do and need help. My bank or card holder is called Branch. They are the XXXX card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I opened a credit builder account with BMO bank in XXXX of XXXX. The account hurt my credit and only gave like XXXX points back. I chose to close the account XX/XX/XXXX since I am the one funding the account and was told that I couldnt. I would like the account closed because its just a bill that is taking my money along with fees and falsely reporting to the credit bureau that they gave me a loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
They promised early payday, first I would get paid on Wednesday, then it would show up on Thursday. Now it shows up on Friday. When Ive talked to Wells Fargo they say its how the company deposits my pay but nothing has changed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
Since XX/XX/year>, I have been actively attempting to complete a loan assumption with Lakeview Loan Servicing. Despite nearly a year having passed, my request remains unresolved. Lakeview has repeatedly failed to provide timely updates, clear communication, or a defined resolution timeline, constituting what I believe to be negligent servicing practices. FINANCIAL HARM INCURRED : As a direct result of Lakeview 's delays, I have been forced to pay the following out-of-pocket costs that would not have been necessary had my request been processed in a reasonable timeframe : Deed Transfer Fees Attorney Fees Additional costs related to extended processing time RELEVANT DETAILS : Servicer : Lakeview Loan Servicing , LLC Assumption Request # : XXXX Date of Initial Request : XX/XX/year> Nature of Issue : Unreasonable delay in processing, lack of communication, and additional fees incurred due to servicer negligence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Account No. XXXX Cease and Desist Communication ( FDCPA 15 U.S.C. 1692c ( c ) ) To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding the above-referenced account, pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). You are hereby instructed to stop contacting me by phone, mail, email, or any other means, effective immediately. Any further communication from your organization, except as permitted by law, will be considered a violation of the FDCPA. Please be advised that I am documenting all contact attempts. Any violations may result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, as well as possible legal action. This letter is not an acknowledgment of any debt, nor does it constitute acceptance of liability. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am writing in reference to the alleged balance of {$430.00} reported by XXXX XXXX and your office, Credit Collection Services. I am formally disputing this debt because it is not accurate. I contacted XXXX XXXX by phone and requested that my policy be canceled effective for XXXX and XXXX. I was told the policy would be canceled. Despite this request, the policy was not properly canceled, and charges continued to be added. I also followed up after receiving notice of the balance and explained the situation again. This issue is the result of Progressives failure to process my cancellation request correctly, not my responsibility. my phone call and cancellation request in XX/XX/year>. A billing statement or balance notice alone is not sufficient proof that I owe this debt. I do not accept a payment statement as verification of a valid financial obligation. Because of this, I do not owe the {$430.00} being claimed, and I will not be making any payment on this account. I am requesting that this account be corrected and removed immediately. This account is formally disputed, and I expect a full investigation along with written confirmation once this matter is resolved. removed from all three credit bureaus immediately. If this account can not be verified as accurate, it must be 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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
When they called I had no knowledge of this account and ask for the original documents. Nothing was sent. I also research company the represent as attorney on my credit, which have lawsuits for intimidation.

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