vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company : Capital One Product : Credit Card Issue : Identity theft / Fraudulent account and charges I am filing this complaint regarding a fraudulent credit card account opened in my name with Capital One and charges totaling of {$390.00} that I did not authorize. I did not open this account, did not activate it, and did not make any transactions associated with it. This is a case of identity theft. Upon receiving a bill, I immediately contacted Capital One by phone to report the fraud. The first interaction was abruptly disconnected. I called back and spoke with another representative who stated that the matter would be investigated. I requested a confirmation number but was told none would be provided. Today XX/XX/year>, I received written notice from Capital One stating that their investigation concluded that I " opened and interacted with the account, '' and that the charges will remain and appear on my next billing statement. I strongly dispute this conclusion. Capital One has not provided any evidence supporting this determination, such as application details, IP logs, device information, or transaction verification. Their response suggests that a reasonable investigation was not conducted. I have taken the following actions : 1. Placed a credit freeze with all three credit bureaus 2. File an identity theft report with the federal Trade Commission via IdentityTheft.gov 3. Prepared and submitted a formal written dispute with supporting documentation I am requesting that Capital One : 1. Immediately close the fraudulent account 2. Remove all associated charges and fees 3. Cease reporting this account to any credit reporting agencies 4. Provide written confirmation that I have no financial responsibility 5. Provide documentation supporting their claim that I opened and used this account This situation is causing unnecessary stress and potential harm to my credit due to a failure by Capital One to properly investigate a clear case of identity theft. I request that the CFPB review this matter and require Capital One to comply with applicable identity theft and billing dispute protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for attempting to collect and report a debt that is not mine as a personal obligation. This account originated as a commercial account associated with a business entity. I did not execute any personal guaranty or agreement establishing personal liability for this account. Despite this, XXXX XXXX XXXX is reporting and attempting to collect this account as a personal debt. I formally disputed this account and requested full validation pursuant to the Fair Debt Collection Practices Act, including a signed agreement, proof of personal liability, complete payment history, full chain of assignment, and documentation supporting the reported balance. The response I received consisted only of internally generated account summaries and did not include any of the requested documentary evidence. At no point has XXXX XXXX XXXX provided : * A signed agreement establishing personal liability * Any personal guaranty * Complete chain of assignment * A full accounting of the balance Additionally, the reported balance has shown inconsistencies and has increased without any explanation of fees or interest. Despite these issues, XXXX XXXX XXXX continues to report this account to credit bureaus and attempt collection as a personal debt. This constitutes an attempt to collect a debt that is not owed and a misrepresentation of the legal status of the alleged obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing multiple fraudulent accounts on my credit report that were opened without my knowledge or authorization. I am a victim of identity theft. The following accounts are not mine : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened on XX/XX/XXXX, balance of {$2000.00} This account shows a balance and delinquency that I do not recognize. I did not open or authorize this account. XXXX XXXX XXXX ( Account opened XX/XX/XXXX ) in the amount of {$18.00} Although this account shows a long history, I did not open or authorize it. I have no knowledge of this account and did not benefit from any activity associated with it. Additional XXXX account opened on XX/XX/XXXX. I request the immediate blocking and removal of these accounts under Section 605B of the Fair Credit Reporting Act ( FCRA ). Please also remove all associated inquiries, payment history, and balances.

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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint regarding a XXXX transaction of {$200.00} that I sent while being deceived in a scam on XX/XX/year>. The recipient misrepresented themselves and pressured me into sending money under false pretenses. I reported this to Capital One as fraud, but my claim was denied. I do not agree with this decision, as I did not knowingly or willingly send money for a legitimate purpose. I was misled and manipulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing a collection account reported by Midland Credit Management for approximately {$2500.00}, allegedly from XXXX XXXX. On XX/XX/year>, I sent Midland Credit Management a formal debt validation request asking for documentation to verify the debt, including a signed agreement, full payment history, and proof of their legal authority to collect. As of today, they have failed to provide any response or validation. Despite this, the account continues to be reported on my credit reports, which I believe is inaccurate and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I also disputed this account with the credit bureaus, but the account remains without proper verification being provided to me. Midland Credit Management has not provided : A signed contract or agreement A complete payment history Proof of assignment or ownership of the debt I am requesting that this account be removed from my credit reports immediately due to failure to validate the debt and continued reporting of unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported by Synchrony Bank on my credit report. Synchrony Bank initiated legal action related to this alleged account ; however, court records show that service of process was never completed. As a result, the case was placed in inactive status and subject to dismissal. Because proper service was not completed, the matter was never adjudicated and no judgment was obtained. Therefore, the alleged debt was never legally validated or proven in a court of law. Despite this, Synchrony Bank continues to report this account as a valid and enforceable obligation on my credit report. I have requested documentation supporting this account, including a signed agreement, full account history, and proof of enforceability. No competent documentary evidence has been provided. At no point has Synchrony Bank demonstrated that this account has been legally validated, properly verified, or supported by sufficient documentation. Reporting this account as accurate and enforceable under these circumstances is misleading and constitutes inaccurate reporting. This reflects a failure to ensure maximum possible accuracy and a failure to conduct a reasonable investigation.

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 2026-04-29 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: Lendmark Financial Services
State: WA

Complaint narrative:
XX/XX/XXXX of XXXX I put about XXXX XXXX XXXX down on a XXXX purchase through XXXX XXXX and the remainder of approximately XXXX dollars was financed through Lendmark Financial Services LLC. I signed the original loan documents that day and have been paying it everysince then. Recently I have been trying to get it paid off and get my affairs in order. On XX/XX/XXXX I sent an email off to XXXX XXXX the branch manager over at their XXXX branch. I requested-Complete transaction history from the start of the loan -All deferment agreements -Original loan agreement from XX/XX/XXXX -Any documentation showing changes, refinancing, or new loan issuance ( including the XXXX loan referenced ) I got a phone call from lendmark that day calling about my payment that was past due. I asked them for my payment history and also asked why my loan shows it originated in XXXX and not XX/XX/XXXX of XXXX which was the date that i brought the bike home after filling out paperwork in their office. The guy on the other end of the line, which was not XXXX, said that he couldnt see a loan originating in XXXX and only in XXXX. They also informed me that they could not send this sensitive information via email or communicate via email either which i have told them multiple times that i prefer that. Despite saying this multiple times, they have called me over and over again sometime two times back to back while at work. I have also signed a few deferrals that were not very well explained and instead labeled A way to bring your account completely current by XXXX. XXXX I didnt know that no payments would be applied to the principal until payment of interest accrued was paid in full. This has dramatically increased the cost of my loan and not clearly stated or told to me. I am also very confused at how a new loan originated for more then the original amount after two years. that amount is still the same principal today almost after atleast {$13000.00} dollars in payments from XXXX current. I have still not recieved the payments from that original loan and also no payoff has been provided. NO explanation of the loan being reconstructed to my knowledge and or cautions of the deferments and what the outcome would be. I have not received answers to any of these things despite multiple attempts starting XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
On XX/XX/year> between approximately XXXX XXXX and XXXX XXXX, I spoke with a representative from Sunrise Credit Services regarding an account I do not recognize. I clearly stated that this account is not mine and is the result of identity theft. During the call, I requested full debt validation and a fraud/identity theft packet. The representative initially refused to provide this and stated he would not complete a fraud packet on a recorded line. He also instructed me to contact XXXX XXXX XXXX and implied that my refusal to do so meant the account was mine, which is false and misleading. I explained that I have never had an account with XXXX XXXX XXXX and that I was disputing the account directly with Sunrise Credit Services. The representative continued to dismiss my dispute and attempted to pressure me to contact a third party instead of properly handling the dispute. Only after I cited my rights under federal law did the representative reverse course and complete the fraud/identity theft packet. This demonstrates an initial refusal to follow proper procedures and the use of coercive and misleading statements prior to compliance. I have filed an official identity theft report with the Federal Trade Commission and previously filed a police report earlier this year due to multiple fraudulent items appearing on my credit report. This establishes an ongoing pattern of identity theft. This account is fraudulent and must be removed from my credit report immediately. I am requesting deletion of this account, cessation of all collection activity, and preservation and review of the recorded call from this interaction.

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: PA

Complaint narrative:
I am filing a formal complaint regarding a debt collection account being reported by NRA Group , LLC on my credit report.The account in question is a credit card debt allegedly from XXXX. I dispute the accuracy, validity, and completeness of this account. I do not recall entering into any agreement with NRA Group, and I have not been provided with sufficient verification that this debt is mine or that the amount is correct.Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that NRA Group provide proper validation of this debt. This includes : * Documentation showing I am legally obligated to pay this debt * A full accounting of the amount claimed, including any fees or interest * Proof that NRA Group has the legal right to collect this debt * Verification that the debt is being reported accurately to all credit bureaus To date, this account continues to be reported on my credit report without adequate verification. I am requesting the following resolution : * Immediate investigation of this account * Removal of the account from my credit report if it can not be fully verified * Correction of any inaccurate or incomplete information being reported This inaccurate reporting is negatively impacting my credit profile and financial standing. Please provide a timely response and ensure that this matter is handled in accordance with federal consumer protection laws. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am disputing multiple fraudulent accounts on my credit report that were opened without my knowledge or authorization. I am a victim of identity theft. The following accounts are not mine : XXXX XXXX / XXXX ( XXXX XXXX ) opened on XX/XX/XXXX, balance of {$2000.00} This account shows a balance and delinquency that I do not recognize. I did not open or authorize this account. XXXX Credit Card ( Account opened XX/XX/XXXX ) in the amount of {$18.00} Although this account shows a long history, I did not open or authorize it. I have no knowledge of this account and did not benefit from any activity associated with it. Additional XXXX account opened on XX/XX/XXXX. I request the immediate blocking and removal of these accounts under Section 605B of the Fair Credit Reporting Act ( FCRA ). Please also remove all associated inquiries, payment history, and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I purchased a XXXX XXXX from XXXX trails it advertised it had many locations and pools and amenities included. I went to book but the locations I needed were never available the whole year then I booked a location out of the way just to use it when I arrived there was no pool or activity or any of those things. They then kept blocking me from booking when I had to cancel and didn't let me cancel a location I didn't use. Then I tried using it again and it was same no kitchen no pool nothing at the location then later I booked trying to get a better room location it was not available except a couple of days I finally got that I had to cancel I couldn't make it those days it was available which wasn't even the amount of time I was suppose to get and then it blocked me again for cancel. Then I asked for refund and or credits to try this year they didn't provide it and when XXXX XXXX arrived everything was closed until next season when my pass expires now I can't even use it at desired location if it ever does open.

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 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CB1, Inc.
State: MT

Complaint narrative:
XXXX XXXX has been reporting a collection account originating from XXXX XXXX XXXX, opened XX/XX/XXXX, with an original balance of {$560.00}. The current reported balance is {$560.00} reflecting an unauthorized increase with no itemized explanation provided. I previously disputed this account with all three major credit bureaus. Both XXXX and XXXX investigated and deleted the account, determining it could not be verified. XXXX returned a result on XX/XX/XXXX stating the account was verified as accurate and would remain on my report. XXXX XXXX has failed to provide proof of a valid chain of assignment from the original creditor, has added fees without authorization or disclosure, and is selectively maintaining this account on XXXX despite being unable to sustain it on two other bureaus. The same debt, from the same creditor, with the same account number, was found unverifiable by XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Grow Credit Inc
State: PA

Complaint narrative:
I am submitting this follow-up dispute regarding Grow Credits response and the continued inaccurate and misleading reporting of my account. After reviewing my account records, I acknowledge that there were temporary failed payments due to insufficient funds in late XXXX. However, these payments were subsequently resolved, and the account was brought to a {$0.00} balance and closed in good standing. Despite this, Grow Credit continues to report the account with historical late payments in a manner that is misleading and not reflective of the true nature of the account. Key Issues : 1. The account is currently reported as : * Paid * Closed * Current * {$0.00} Balance Yet it continues to reflect delinquency history, which creates an inconsistent and misleading representation. 2. The account is not a traditional loan product : * No late fees were assessed * No penalty fees were charged * The agreement explicitly states late payments may be reported, not that they must be 3. The payment issues were temporary and corrected : * Payment records show failed ACH transactions followed by successful payments * The account remained active and continued processing subscription payments during this time 4. The reporting does not meet the standard of maximum possible accuracy under the Fair Credit Reporting Act ( FCRA 623 ), as it fails to provide a complete and fair representation of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation