vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I am filing this complaint regarding OneMain Financials inaccurate and inconsistent reporting of a consumer credit account, as well as failure to provide proper validation or documentation despite multiple requests and disputes. I have made repeated attempts to resolve this matter in good faith. Direct requests to OneMain Financial : XX/XX/XXXX Notice of validation sent via certified mail ( receipt attached ) XX/XX/XXXX Notice of validation dated; sent via email on XX/XX/XXXX XX/XX/XXXX Notice of verification sent via certified mail ( postmarked XX/XX/XXXX ; receipt attached ) Despite these requests, OneMain Financial has not provided : Original signed loan agreement Security agreement Lien documentation Complete transaction or payment history Dispute history with credit reporting agencies : I have submitted multiple disputes regarding this account : XX/XX/XXXX XXXX and CFPB XX/XX/XXXX XXXX and CFPB XX/XX/XXXX XXXX and CFPB XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX In total, I have made XXXX dispute attempts. Each time, the account was reported as verified, but no documentation or explanation of the investigation was provided. I also requested the method of verification from the credit reporting agency multiple times. No meaningful details were provided regarding how the account was verified. Inaccurate and inconsistent reporting : The account ( ending XXXX ) is being reported inconsistently across consumer reporting agencies. XXXX credit report reflects the account as an installment/secured auto loan, while another reflects it as an unsecured charged-off debt. This account was originally a secured auto loan backed by my vehicle ( XXXX XXXX XXXX XXXX XXXX ), which I still possess. No documentation has been provided showing : Repossession of the vehicle Sale or disposition of collateral Release of the lien or security interest This creates a material inconsistency in reporting. OneMain Financial has not provided any explanation or documentation supporting the change in account type from secured to unsecured.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested Transunion XX/XX/year> to verify the bankruptcy reporting on my account and asked for a reinvestigation and documented proof and verification with the original public record source. they responded back with the letter attached stating the bankruptcy was verified with the court listed and the court does not give out information to credit agencies. I then followed up with a XXXX of verification on XX/XX/year> and received a letter on XX/XX/year> stated the same things and that a investigation couldn't be looked at again because it was accurate. Transunion did not state where the information came from exactly, they didn't give a time stamp or provide the information to be right, they didn't give a name of the person who verified the information, or any documents providing it to be right. court rooms do not give information directly to credit agencies.

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 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Subject : Request for Removal of Incorrect Collection Account To Whom It May Concern, I am submitting this complaint regarding an inaccurate collection account being reported on my credit report by Pro Collect , Inc. The account in question relates to a debt originally owed to my former apartment complex. However, this debt was paid directly to the apartment complex, not through Pro Collect, Inc. I made multiple attempts to contact Pro Collect prior to making the payment, but they failed to respond or provide any way for me to resolve the balance through them. Because Pro Collect did not facilitate or process this payment, they did not collect on this account. Despite this, they continue to report the account on my credit report as a collection, which is misleading and inaccurate. I am requesting the complete removal of this collection account from my credit report. Reporting this account as paid is not appropriate, as I did not pay Pro Collect, and they should not be receiving credit for a payment they did not handle. This reporting is negatively impacting my credit and does not accurately reflect the resolution of the debt. I have attached proof of payment made directly to the apartment complex. I request that this matter be investigated and corrected promptly. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx 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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Bank of America executed a garnishment in the wrong name, with XXXX writs all altered but still handed my money over immediately within XXXX hrs. and closed the case even though an XXXX XXXX challenge was submitted to the courts and pending. BOA was sent XXXX certified return receipt letters, and I have the return XXXX XXXX they are in receipt of what was filed with the court, and I also have proof @ of their employees XXXX XXXX and XXXX XXXX committed fraud on a legal document as well. Possibly why they have blocked my husband and i from any contact and refuse to provide all legal documents or even a complete trace number. This has caused serious financial harm and has put us behind in our bills and caused damage to our credit. I made a complaint beforehand about this issue and all they did was request XXXX more days to avoid any type of accountability. I do not accept this answer as THEY ARE UNADER LEGAL OBLIGATION to provide legal documents before and after said garnishment. It is VERY CLEAR Bank of America, PAYS their way out of illegal activity and then continues to do the very same practices the CPFB is supposed to protect consumers from. Bank of America needs severe consequences and CPFB needs to actually enforce their oversite.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I opened a dispute against XXXX on XXXX the merchant received the merchandise however refused to provide me with a refund. The ring that was sent was super small and was returned. I opened a dispute with my bank SoFi along with proof. Tracking numbers and email threads. I wasnt given a provisional credit. I was denied and told that I do not qualify. This process has has been handled horribly. I spoke to a supervisor named XXXX. XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I am filing a complaint against Citibank regarding a credit card account that was closed with a {$21000.00} credit limit but now reflects a balance of approximately {$31000.00}. I do not understand how the balance increased by nearly {$10000.00}, especially after the account was closed. Some of this increase appears to be related to disputed charges from an authorized user that were later added back, but Citibank has not provided a clear explanation or documentation validating these charges. Additionally, I was presented with an extremely high minimum payment of approximately {$10000.00} due to the over-limit balance. I felt pressured into agreeing to a payment arrangement under these circumstances without fully understanding or agreeing with the balance. I have made several attempts to resolve this issue by contacting Citibank via telephone multiple times. However, I have not received any clear answers, documentation, or meaningful assistance .I am requesting : A full accounting of how the balance reached {$31000.00} ; Verification of all charges, including previously disputed items ; An explanation for allowing the account to exceed its credit limit ; A review of the payment arrangement I felt pressured into agreeing to. I believe this situation involves a lack of transparency and potentially unfair billing practices. I am seeking a clear explanation, correction of any inaccuracies, and a fair resolution.

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 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Category : Credit card or prepaid card -> Problem with rewards or hotlines Company : American Express Subject : Failure to Honor Advertised Benefit via Detrimental Reliance I have been an American Express customer since 2000. As a holder of the Hilton Honors Aspire Card, I am entitled to a {$200.00} semi-annual Resort Credit. Chronology of Service Failure : Initial Verification ( Pre-Booking ) : I contacted the Hilton XXXX XXXX ( XXXX co-brand partner ) via phone on the day of booking. The agent placed me on hold, verified with the property ( The XXXX XXXX XXXX XXXX - XXXX ), and confirmed the property was eligible for the {$200.00} credit. Secondary Verification ( XXXX ) : I called a second time prior to my XX/XX/XXXX stay. A second agent consulted with " experienced colleagues '' and re-confirmed eligibility. The Spend : Relying on these XXXX professional confirmations, I spent {$190.00} at the property. Admission of Error : On XX/XX/XXXX, the Hotel General Manager ( XXXX XXXX XXXX admitted in writing : " I apologize for whomever gave you the incorrect information but this promotion unfortunately does not apply to us. '' Bad Faith Resolution : After a XXXX " Back Office '' wait, a Hilton XXXX XXXX " XXXX '' attempted to ignore the verification timeline and offered a {$50.00} " nuisance settlement, '' which I refused. Regulatory Violation : > Amex is failing to honor an advertised benefit ( {$200.00} credit ) despite their authorized representatives providing specific verbal approval for the spend. As a XXXX XXXX of the mortgage industry, I cite Detrimental Reliance . I took financial action based on the bank 's professional guidance. Desired Resolution : Manual Statement Credit of {$190.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Collection Agency Name LVNV FUNDING LLC Collection Agency Address ( XXXX ) XXXX City, State ZIP Code XXXX XXXX XXXX XXXX, XXXX, SC XXXX Re : Account Number LAST XXXX XXXX Reference number XXXX Dear Sir or Madam, I am writing to dispute the validity of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide verification of this debt, including documentation that shows I am legally obligated to pay it. Until you provide verification of the debt, you must cease all collection activities, including reporting this debt to any credit reporting agency. If this debt has already been reported, please notify all credit bureaus that the debt is disputed, as required by the Fair Credit Reporting Act. Additionally, under 15 U.S.C. 1692c ( c ), I request that you cease all further communication with me regarding this debt, except as permitted by law specifically, to advise that your collection efforts are being terminated, to notify me of any specific remedies you intend to pursue, or to inform me that you or the creditor may invoke such remedies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
LVNV Funding LLC is attempting to collect a debt that has not been properly validated and is reporting inconsistent and inaccurate information. They filed a lawsuit against me in Iowa claiming I owed {$1800.00}, but my credit report shows a different balance of {$1700.00} for the same account. This inconsistency raises concerns about the accuracy of the debt. LVNV is a debt buyer and has not provided documentation proving ownership of the account or a complete chain of assignment from the original creditor, XXXX XXXX XXXX. I have disputed this account, and it is marked as disputed on my credit report. Despite this, LVNV continues collection activity and has taken legal action without properly validating the debt. I believe this is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a software product called XXXX ( operated by XXXX XXXX, XXXX ) via a XXXX advertisement. I selected the {$49.00} XXXX XXXX ' tier at checkout. The merchant 's own confirmation email confirms the product name as XXXX XXXX XXXX XXXX ' the {$49.00} tier. However, I was charged {$190.00}, which is the merchant 's Lifetime tier that I did not select. I contacted the merchant directly by email and received no response. I filed a dispute with Chase on XX/XX/year>, citing overcharge. Chase closed the dispute in the merchant 's favor on or around XX/XX/year>, stating the merchant found no evidence of billing error. However, the merchant 's own confirmation email proves the billing error : it names the {$49.00} product while reflecting a {$190.00} charge. I resubmitted documentation to Chase on XX/XX/year>. Chase 's decision to side with the merchant despite documentary evidence from the merchant 's own records is the basis of this complaint. I am requesting that Chase reopen and properly review this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX, XXXX. A buyer, XXXX XXXX, purchased custom music production services from me for {$3900.00} ( Transaction ID : XXXX ). All services were fully delivered via text message on the agreed delivery date. The buyer filed a dispute under " Item Not Received '' ( Case ID : XXXX ). I provided PayPal with substantial evidence including screenshots of the buyer confirming receipt of the audio files, expressing satisfaction with the work, and continuing normal communication after delivery. Despite this clear documentation, PayPal reversed the decision and closed the case in the buyer 's favor on XX/XX/year>, charging me {$3700.00} plus a {$30.00} dispute fee. The buyer 's claim that services were not received is demonstrably false and contradicted by written evidence I submitted. PayPal ignored this evidence entirely. My account has since been closed with a negative balance of {$3900.00} that I am being held responsible for despite fulfilling my obligations as a seller. I am requesting a full re-review of Case ID XXXX and reversal of the chargeback.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: WA

Complaint narrative:
I had a debt with Credit Control settled by XXXX XXXX in XXXX of XXXX. All payments had been made on time, XXXX out of XXXX. I received a debt collection Notice from Credit Control dated XXXX stating I owed {$920.00} when in the fact the actual debt owing is {$200.00}. I sent then email to the email provided with copies of the notice, payment agreement and even their last email showing the remaining payment schedule. The XXXX payment had already been made. They did not respond so I asked my legal shield attorney to send them a letter showing the debt should only be {$200.00}. I contacted them by phone and was told by XXXX XXXX that they had made a mistake and she saw the agreement but I needed to have the attorney send them another letter removing the challenge which we did. XXXX XXXX uses Credit Control as a third party. They responded to my attorneys letter. I called them to try and resolve this and pay the remaining {$200.00} that is owing. I was told since I contested the amount owed they had recalled the account and I owed {$900.00}. My agreement was with Credit Control, not them and they were not required to honor agreement even though payments have been up to date. They refused to take the payment of {$200.00} stating it didn't meet their payment plans.

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 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a Qualified Written Request ( QWR ) / Notice of Error to Carrington Mortgage Services regarding the servicing and credit reporting of my mortgage loan. The company acknowledged receipt of my request and indicated that a resolution would be provided by XX/XX/year>. However, no written response, investigation results, or supporting documentation were provided by that date or afterward. My concern relates to how my mortgage payments were handled and reported during a loan modification/payment plan. I contacted Carrington by phone to clarify how payments would be reported while following the plan. During that call, I was told by a representative on a recorded line that if I followed the payment plan as instructed, my payments would not be reported as late. I relied on this information and made payments accordingly. Despite this, my credit reports reflect multiple delinquent statuses, including 30, 60, and 90-day late payments ( 30, 60, 90, 90, 90, ND ). On XX/XX/year>, I sent a follow-up written letter requesting investigation results, documentation supporting the account status, and correction of any inaccurate credit reporting. This letter was delivered via certified mail on XX/XX/year>. I have not received any response. I previously also disputed the information with the credit reporting agencies, but the reporting was verified as accurate without correction. I am requesting that the company review my account, including servicing records and recorded phone calls, and correct any inaccurate credit reporting related to this issue.

Company response to consumer: Closed with explanation