vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
To Whom It May Concern, Your recent response states that the XXXX XXXX XXXX attributed to me was verified through XXXX. Accessing XXXX does not constitute verification of identity, nor does it satisfy your statutory obligations under the Fair Credit Reporting Act. XXXX is a database of federal court filings. It does not verify that a bankruptcy record is accurately matched to a specific consumer. Merely locating a record in XXXX does not demonstrate that it belongs to me, nor does it confirm that your matching procedures comply with 15 U.S.C. 1681e ( b ) s requirement to maintain reasonable procedures to assure maximum possible accuracy. You are reporting and furnishing the following item : XXXX XXXX Dismissed Reference number : XXXX Filing date : XX/XX/year> Responsibility : Individual I am demanding competent, documented proof that this record is accurately attributed to me. Provide the following immediately : 1. The exact federal court and division in which this case was filed 2. The complete case number as it appears on the court docket 3. The date and time the XXXX record was accessed 4. The specific identifiers used to match this bankruptcy to my consumer file ( full SSN match, DOB, address history, etc. ) 5. Copies of certified court documentation bearing my full identifying information 6. A detailed description of the procedures used to ensure this record was not inaccurately mixed with another consumer If your verification consisted solely of locating a similar name in XXXX and applying automated matching criteria without certified court confirmation of identifying data, then your procedures are deficient under 1681e ( b ) and your reinvestigation is unreasonable under 1681i. A conclusory statement that the record was verified through XXXX is legally insufficient. If you can not produce competent documentation demonstrating accurate attribution to me, you are required to : Immediately delete the record Notify all consumer reporting agencies to whom you furnished this data Provide written confirmation of deletion Continued reporting without proper verification will result in formal complaints with the Consumer Financial Protection Bureau and escalation for regulatory review of your public records matching procedures. This is a final notice prior to further action. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
XXXX AND ASSOCIATES HAVE PLACED A FRAUDULENT DEBT ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THIS IS THE 6TH TIME I HAVE TO DISPUTE THIS WITH THIS SAME COMPANY WHO HAS CONTINUED TO STATE THAT THEY WILL NOT CONTACT ME ANYMORE OR WILL NOT ADD THIS FRAUDULENT DEBT TO MY CREDIT AS IT HAS BEEN PROVEN TO NOT BE MINE. I WENT TO THE GYM DIRECTLY AND SPOKE WITH THE MANAGER WHO CONFIRMED THAT THEY HAD NO SIGNED CONTACT FOR ME. I CONFIRMED THAT THEY HAD NO COPY OF MY LEGAL ID TYPE AND THE MANAGER ADVISED THAT THEY ARE NOT DOING THIS. I CONTINUE TO DISPUTE THESE FRAUDULENT GYM MEMBERSHIPS. I HAVE CONFIRMED THAT NONE OF MY INFORMATION HAS BEEN VERIFIED AND THE ACCOUNT WAS DONE ONLINE. I HAVE CONTACTED A ATTY WHO HAS ADVISED TO ME THAT I CAN PROCEED WITH SUING ALDOUS AND ASSOCIATES. I ALSO HAVE DOCUMENTS FROM ALDOUS AND ASSOCIATES STATING THAT THEY WOULD LEAVE ME ALONE AND REMOVE THIS, YET THEY CONTINUE TO DO THIS. I ASKED THEIR REPS TO PROVIDE ME SEVERAL TIMES WITH PROOF OF ME SIGNING A CONTRACT, AND THEY COULD NOT. I AM AKSING THIS COMPANY AS A LAST RESORT TO PLEASE STOP BEFORE I PROCEED WITH LEGAL ACTION AGAINST THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Hello I had. Charged off checking account with td bank and few years back and I would like to speak with someone that could help me get more info to settle the debt for less and get a new account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a long-standing banking customer with Capital One. Beginning in XX/XX/XXXX, I began receiving Capital One emails clearly intended for a different individual named XXXX XXXX. These emails included account notifications, payment reminders, and other correspondence related to a Capital One account that is not mine. This indicates that Capital One registered or maintained a second, separate account using my email address without verifying that the email address belonged to the account holder. I have since learned that this other account is delinquent and may be referred to a collections agency. This creates several direct risks to me as a consumer : * Credit bureau mixed-file risk : If Capital Ones internal systems have linked, cross-referenced, or co-mingled my account identity with the other account holders identity in any way, the delinquent accounts negative tradeline could appear on my credit report. Even a shared internal customer identifier or email-based association could cause a mixed file at one or more credit bureaus. * Unauthorized disclosure of my personal information : My email address, which is personally identifiable information, has been associated with another individuals delinquent financial account. If this account is sold or assigned to a debt collector, my email address and potentially other data will be transmitted to third parties without my consent. * Collection harassment risk : Debt collectors working from Capital Ones data may contact me at my email address, and potentially through other channels, seeking to collect a debt that is not mine. On XX/XX/XXXX, I contacted Capital One by phone at XXXX and spoke with several representatives. I explained the situation and requested that Capital One ( 1 ) confirm that my account and the other individuals account are maintained on separate internal customer records with no shared identifiers, ( 2 ) remove my email address from the other individuals account, and ( 3 ) provide written confirmation of these actions. Capital One declined to take action. The representative stated that I should contact the other account holder myself to resolve the issue. This is not a reasonable remedy : I have no relationship with this individual, no means of contacting them, and no obligation to do so. The email address is mine, the error is Capital Ones, and the risk of harm falls on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kovo
State: CA

Complaint narrative:
I opened an account with Kovo about XX/XX/year> but when the account got recognized it made my business score go down so my remedy for this was to pay off this account and in some screen shots they stated that they will report it I just want to make sure they do please this not a complaint because my score went down I just need also they take the balance and it does not go to a savings and the least they can do is report that this account is paid off I am disappointed the fact is that they keep my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
The XXXX dispute investigation team isn't authorizing any of my online payment with XXXX even though the dispute was closed. The documentation you already have from them confirms it, but the reasons they're still investigating are unknown. I was initially told they had no details of an investigation ever taken place. Complaint # XXXX by XXXX XXXX is the complaint I'm referring to. I called it a hold but it's a transaction they won't allow to go through because they're continuing an investigation to prolong me from online shopping with XXXX, for the total amount of time allowed, which is 90-days. I've asked them, several times, to give me details of their investigation and what are they investigating now that the case is closed? I've also asked them, when will their excuse of an investigation be complete, so I can do my online shopping again with XXXX? I've gotten no responses. The date is important because, from their previously unprofessional actions, they will attempt to continue it longer than 90-days. Thank you, in advance, XXXX XXXX '.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to request assistance regarding an inaccurate overdrawn status reported on the XXXX XXXX XXXX ( XXXX ) related to my Wells Fargo account. I previously submitted a dispute to Wells Fargo regarding this matter, and my dispute was resolved in my favor. As a result, my account is no longer overdrawn. Despite this resolution, the overdrawn status is still being reported on the XXXX XXXX XXXX. I respectfully request that Wells Fargo : 1. Update the XXXX to accurately reflect the current status of my account and remove any indication of an overdraft. 2. Erase all account status history and transactions associated with the previous overdraft so that no record of this issue remains. Please consider this a formal request for correction and complete removal of any inaccurate account information. I appreciate your prompt attention to this matter and written confirmation once it has been resolved.

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting a complaint regarding deferred interest applied to my CareCredit account issued by Synchrony Bank. My promotional financing expired on XX/XX/year>. At that time, I had only {$590.00} remaining. I had the account on autopay at {$100.00} per month and maintained a perfect payment history. In XX/XX/year>, {$1500.00} in deferred interest was added to my account because the promotional balance was not fully paid off. I did not realize at the time that the promotional period had expired or that even a small remaining balance would trigger the full deferred interest. I continued making payments through autopay believing I was paying down my remaining balance. I only recently became aware that the deferred interest had been applied. The deferred interest of {$1500.00} is more than twice the {$590.00} balance that remained at expiration, which feels disproportionate given my consistent payment history and good faith efforts to repay the account. I have never been late and have consistently made payments. I contacted customer service and a supervisor to request a goodwill review, but my request was denied due to policy. I am requesting an executive review of the {$1500.00} deferred interest given my payment history, the small remaining balance at expiration, and my ongoing good-faith efforts to resolve the account. I am prepared to resolve the remaining principal immediately if the deferred interest is adjusted. Thank you!

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 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
Loan servicer MOHELA reports delinquency while denying account access and claiming no active account exists

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have had excessive calls into the late night from XXXX and XXXX XXXX to include on the weekends about a debt that has been disputed and removed off of my credit. It is also being illegal illegally collected because this debt was closed off with Navy Federal the original creditor in XXXX and this debt theyre saying is from XXXX, which is false. Ive also have had to to file against XXXX funding the creditor before who tried to take me to court, but when I presented the documents, the court dismissed them because they passed the statue of limitations to collect and also falsified documents to say that this debt originated in XXXX when it did not and was completely closed with Navy Federal in XXXX. All reports of last payments and when credit originated is all falsified to try to collect a debt. I have been constantly harassed for this debt, even though its been removed with the credit bureaus, as well as with the court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I initiated an external bank transfer from XXXX XXXX XXXX to PNC Bank. However, the PNC account was inaccurate and the money was ultimately sent to another consumers account, with no connection to me or my name. When I identified this error on XX/XX/XXXX, I called PNC to initiate a return. However, I was told nothing could be done until the money arrived in the account. After the money was supposed to be in the account, I attempted to again start the process of return, but was told nothing could be done. I reached out to XXXX XXXX to see what they could do, but was told PNC had to initiate this return. From XX/XX/XXXX to present, XX/XX/XXXX, I have called PNC 17 times, with the time accumulating to 4.9 hours, with no resolution. I have been told multiple different, contradicting information, and was led to believe they were working diligently on the issue and would find a solution. However, they have not come back with a solution. I have been pushed down the line, evaded, and have been shown levels of incompetence during every interaction. XXXX XXXX has been more than cooperative : they have called multiple times to initiate cooperation with PNC, they have provided documentation showing when and where the money went to, and was willing to join a 3-way conference call with PnC and myself to find a resolution, but PNC would not agree to any of that nor did they return any of the calls. I have been given different numbers by representatives to contact, but each department stated it was not within their responsibility and therefore could not help. I have spoken with upper management, supervisors, and even employees at a local branch, but to no prevail. I was even told the money was already transferred back, but both XXXX XXXX and I have not been able to verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
My Mortgage was transferred to Selene XXXX In XX/XX/XXXX. I called in XXXX the XXXX to confirm they had gotten my paperwork and to see what I needed to do next. they told me to call back because they Couldn't give me or provide me with any information because I was not the successor. Well they got the paperwork and I assumed they would have all my legal probate information from the court stating that as of XX/XX/XXXX I became legal successor of the property. Regardless, they said I had to send the documentation in and I did : Complete Information for the revision of successor updated was emailed on : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Customer service called on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I assume the validation for Successor was completed when they send me a " Modification Plan payment trial '' that was dated XX/XX/XXXX but I received on XX/XX/XXXX. I send payment overnight because I still did not have access to their portal to pay it and they did not return my calls which, cause payment to ship overnight express to arrive on XX/XX/XXXX because XX/XX/XXXX was a Sunday.. Called : XXXX XXXX ask for call back .. no call back XX/XX/XXXX ask for call back... no call back XX/XX/XXXX- Was told Validation is still not done and can't give me any information on the account and Modification paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
Basically as stated from my complaint XXXX I transferred from XXXX by XXXX to my JPMORGAN Chase bank account only to find out that the account was closed. XXXX was courteous enough to provide me with factual evidence. Chase bank meanwhile has lied on several occasions. I have call recordings and the documentation provided here as proof of those occurrences. Including documentation that on one phone call the story managed to change between the customer service manager and the investigations department. I don't know how the story manages to change that fast, but it did. The sad part is this is over {$140.00}. I didn't realize that JPMORGAN CHASE was that hard up for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I've obtained a copy of my credit report. As I meticulously reviewed my credit report. I noticed some suspicious activity on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
During my tenancy, the landlord installed new AC units, which required drilling through the ceiling/roof into my apartment. This work caused water to seep into my unit, resulting in mold growth, which I reported immediately. Additionally, the apartment had a roach infestation, which the landlord failed to properly address. The lease and the pest/mold addendum make clear that tenants are responsible for reporting issues and cooperating with remediation, but they are not automatically liable for pest or mold problems caused by landlord actions or failure to properly maintain the unit. In this case, the AC installation directly caused water intrusion and mold, and the landlord failed to remediate the roach infestation, constituting a clear breach of these obligations. Because these conditions made the apartment unsafe and uninhabitable, and were caused or left unresolved by the landlord, I am not legally responsible for the XXXX rent. The collection for this amount is therefore invalid. I was never contacted directly by the landlord or property management regarding this debt, either by mail or email, prior to it being sent to collections. This lack of direct notice prevented me from addressing or disputing the charges before they were reported and further demonstrates that the collection account is being reported improperly. I request that the collection account be deleted from all credit and rental reports, that I receive written confirmation of the deletion, and that reporting be corrected so I can secure housing.

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 2026-03-03 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: Chime Financial Inc
State: OR

Complaint narrative:
I transferred {$42.00} to my chime account on XX/XX/XXXX so I can pay for gas because I was left stranded in the middle of nowhere by the side of a freeway. I contacted Chime and told them about the amount that they took out of my account. They started saying that it was about something called my pay, and that the charges were not reversible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I noticed on my consumer report a collection from Credit Collection Services in the amount of XXXX Acct # XXXX. I did not authorize this service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding the reduction of my credit line from {$20000.00} to {$10000.00}. Upon contacting customer service at XXXX, I was informed that the credit line decrease was final and could not be reversed. I was advised to apply for a credit line increase ; however, within minutes of submitting the request, it was denied. I have maintained this account in good standing, consistently making payments on time and not incurring any fees or penalties. Given my responsible payment history, the unilateral reduction of my credit limit appears unjustified and inconsistent with fair lending and customer treatment standards. As a result of this action and the lack of a meaningful resolution, I elected to close the account. I respectfully request that this matter be reviewed and that clarification be provided regarding the criteria used to reduce credit limits for customers who maintain positive account histories. Additionally, I ask that your office examine whether this practice aligns with applicable consumer protection regulations and fair credit practices. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation