vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
This debt collector " National Credit Systems In the amount of {$8200.00} has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). The account in question was furnished to my credit report without my agreement or authorization. I did not sign any contract or enter into any agreement related to this alleged debt. Additionally, the debt collector failed to follow proper validation procedures after I disputed the account. They have not provided sufficient documentation to verify that this debt is valid or that I am legally obligated to pay it. Because of these violations, my rights under federal law have been disregarded. I am requesting that this account be removed from my credit report immediately and that the matter be investigated thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This debt is invalid, from the information that they sent from XXXX XXXX the company close down, but before they close down, they had issued a full refund and I never received any property from that company. I have the managers number who is no longer employed there, and I also have the employees phone number who was working there and completed the The property contract, which was officially canceled, when the information was filled out XXXX stated they had issued a full refund why theres a debt on this. Im not sure so this is invalid and its falsifying information. I never received any property from this vendor so I shouldnt have to pay for something that was fully refunded and I shouldnt have to pay for property that was never received.

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: PNC Bank N.A.
State: IL

Complaint narrative:
My dispute that I filed got denied. I didnt authorize these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Company is stating I owe a debt they are trying to collect on but never have send any information in regard to the validation letter I have served several months ago, but still continue to harass and order money to be paid. With the validation letter sent they still continue to fail to provide information I requested as well as continue to harass me without providing correct documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
XXXX suspended my account for two weeks before they closed permanently which is unfair. They wanted me to provide my ID which I did and never explained exactly what I did wrong and I never got a warning from them. Please take action as soon as possible.

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 with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: VA

Complaint narrative:
My credit card was stolen on XX/XX/year>. It was used at two different locations. The first location was two transactions of {$100.00}. The second location was one transaction of {$52.00}. I immediately tried to submit disputes the day of but was unable to until the transactions weren't pending. As soon as the transactions weren't pending anymore, I immediately submitted the disputes. The claim ID for the first two transactions is XXXX. The claim ID for the third transaction is XXXX. The first claim was denied. I called and they reopened it with more evidence provided from myself. It was then denied a second time to which I had then reopen it with even more evidence. They denied it a third time. The second claim was denied. I called and they reopened it with more evidence provided from myself. It was then denied a second time. I was told I would receive a document with their reasons for denying my claims two different times. I have yet to receive this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, at XXXX XXXX EST, I initiated a manual wire transfer for {$250000.00} via telephone, as the companys online portal does not support transfers of this size. The call lasted 46 minutes. I confirmed an account balance of {$250000.00} with the representative. The representative explicitly cited the {$30.00} wire transfer fee, which I acknowledged and authorized. I was promised a verification callback within 12 hours. Despite my request for an expedited callback due to time-sensitive investment deadlines, no call was received. When I followed up a t XXXXXXXX XXXX EST, I was told the company was experiencing a " technical error '' and could not access my account details, preventing any progress on the transfer. Upon speaking to the wire department at approximately XXXX XXXX EST, I was informed the wire had been summarily cancelled due to " insufficient funds. '' This i s factually incorrect. The bank 's representatives were aware of the {$250000.00} balance and the {$250000.00} transfer request. The cancellation was a result of the bank 's own clerical error in manually inputting the fee/principal distribution. The bank failed to : Provide the promised verification callback. Provide any notification that the wire had been cancelled. Correct a transparent mathematical error by their own staff before cancelling a high-value transaction. Due to this negligence, I was denied access to my capital and missed a critical funding deadline for a hedge fund investment. The banks only offered resolution was for me to repeat the entire multi-hour process the following day with no guarantee of success or fee waiver. I am seeking compensation for the lost investment opportunity and a formal review of their wire cancellation protocols.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I've received mail correspondence from Rocket Mortgage about an issue I'm having with my mortgage payments Rocket Mortgage bought my existing mortgage from XXXX XXXX, and I've always paid my mortgage on time. I started bi-weekly payments with Rocket on XX/XX/XXXX when the loan was switched over. Correspondence from Rocket said I didn't need to change anything I was doing before with payments or sign any documentation. Before that, Rocket had a forbearance suspense on XX/XX/XXXX of {$820.00}, and Escrow of {$570.00} applied. I made the payments through my financial institution, and at that time, I didn't have any issues. I'm now at the end of XXXX, and there is an issue with my payments being applied to the mortgage. On my end, I've done nothing incorrectly, and I didn't sign any loan documents that stated I needed to make one mortgage payment in advance to set up bi-weekly payments. My payments from my bank have been distributed to my mortgage since Rocket has had the loan on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The payment history can be seen in the attachment. I'm an XXXX XXXX XXXX XXXX ( XXXX XXXX ). I'm in the XXXX XXXX on a single income for a family of 5. I don't earn enough to make the full mortgage payment on the first of the month. I've attempted reaching out to Rocket Mortgage as a customer on XX/XX/XXXX via phone call and email. Customer service couldn't do anything for me other than say pay the company extra money I don't have and I have yet to receive a reply from the company. A letter I received on XX/XX/XXXX was drafted on XX/XX/XXXX, which says my loan is in default because of a payment that was not reportedly paid on XX/XX/XXXX. See the attached payment history from XXXX XXXX XXXX XXXX showing payments to Rocket Mortgage.

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: Closing your account — Can't close your account
Company: Marlette Funding, LLC
State: TN

Complaint narrative:
XXXX mailed me a credit card to replace the one that was expiring, it included a notification that said that if the card was not activated by XX/XX/XXXX, they would close my account & I would be responsible for the amount still owed. I decided to continue to make my payments as usual & expected to see the account closed by THEM, not by me due to the fact that if I request it, it will affect my credit negatively. XX/XX/XXXX, they sent me an email reminding me that the account will be closed if card is not activated. I had no incline to activate the card due to their interest being 33.99 % and the fact they had concocted a {$4.00}. monthly statement fee out of nowhere for months. XX/XX/XXXX I paid the FULL balance owed on the account. They continue to keep the account opened & continued charging fees. XX/XX/XXXX, the account is still ACTIVE and I have NOT activated the credit card which should by now have prompted for them to follow their own procedure and they haven't. At this time there's another fee to the account and I email them with all the details and copies of the closure email they sent to me on XX/XX/XXXX, copies of the payment I made to fully pay the account and payment of this other fee they just charged. I send a very lengthy email and simply said for them to " follow procedure, '' and I specifically said " I AM NOT REQUESTING MY ACCOUNT TO BE CLOSED, I AM DEMANDING YOU FOLLOW THROUG ON YOUR OWN SET POLICIES ... '' XX/XX/XXXX, I receive a response email from the company stating that they have " changed the closure date to tentatively for XXXX XXXX, XXXX '' and adds that if I would like to close it sooner that she can assist me in closing it on my behalf. I responded for them to follow procedure as per the email they had sent me which stated they would be closing the account if the card had not been activated by XX/XX/XXXX. XX/XX/XXXX, I receive another email from the same person telling me that the closure date was tentatively and that my account remains open and again asked me " would you like us to process the closure on your account? '' As you can see this company is not only charging me fees for simply keeping my account open when they should have closed it by their own policies no later than XX/XX/XXXX, but they are REFUSING to follow their procedures while at the same time coercing me into requesting the closure ; I should not have to see another fee on that account. The account was PAID IN FULL on XX/XX/XXXX. They need to follow their own procedure and report the account closed by them, paid in full and never late. It is outrageous the abuse of this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a ANOTHER formal complaint regarding inaccurate credit reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ). I have submitted through the bureaus twice on XX/XX/2026 and XX/XX/2026 Accounts are on my credit report and is being reported as negative despite being paid in full. Reporting a paid account with derogatory history that is not completely accurate and verifiable constitutes inaccurate and misleading reporting. Under federal law, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to conduct a reasonable investigation upon dispute. I have disputed these inaccuracies, yet the negative reporting remains. If the information can not be verified as 100 % accurate, it must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for unlawfully restricting my access to my own credit report. On a recent phone call with TransUnion, I was informed that I am blocked from viewing my credit report for forever on their transunion website due to fraud on my Social. The representative provided no explanation of what this means, no documentation, no verification process, and no instructions for resolving the issue. I was not offered an alternative method to access my legally entitled credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the right to access my full consumer disclosure. While a credit reporting agency may implement security measures, it can not deny me access to my own credit file without providing a clear and reasonable method for identity verification and disclosure. TransUnion has : Blocked my online access Failed to explain the alleged fraud flag Failed to provide a path to verify my identity Failed to offer to mail my consumer disclosure Failed to provide any written notice of this restriction This lack of transparency and failure to provide access appears to be non-compliant with the FCRA. Simply stating fraud on your Social without documentation or a resolution process is not an acceptable or lawful response. I am requesting that TransUnion : 1 Immediately provide my full consumer disclosure. 2 Provide written documentation explaining the specific fraud indicator on my file. 3 Provide clear instructions for identity verification. 4 Confirm that my access rights under the FCRA will not be unlawfully restricted moving forward. If TransUnion believes there is a legitimate fraud concern, they must provide documentation and a formal process for resolution rather than indefinitely blocking access to my own credit information. I expect a timely 4 days and substantive response.i need to buy a house soon n can't see my credit report

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Validation of Debt Request - PORTFOLIO RC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: TekCollect Inc.
State: MO

Complaint narrative:
I signed up with smile direct club years ago and never received my aligners. Then the company went out of business. Not only are they wanting me to pay the loan that was taken out by them. They moved it to collections and say I still owe {$1800.00} for something I NEVER RECEIVED. I have contacted TEK collect and they told me theres nothing they can do about it that I would have to call the healthcarefinancial direct so I did that and they told me it is out of their hands since it is now in collections. This is ruining my XXXX XXXX and is extremely unfair considering I never received the product that the loan was supposedly taken out for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by XXXX XXXX related to an alleged debt from XXXX at the Grid. XXXX XXXX is currently reporting a collection account on my credit report ; however, the balance being reported is inconsistent across the credit reporting agencies. The account is reporting with different balances depending on the bureau : TransUnion reports a balance of {$1100.00} Experian reports a balance of {$1100.00} Equifax reports a balance of {$1100.00} Under the Fair Credit Reporting Act ( FCRA ), companies furnishing information to credit reporting agencies must ensure that the information they report is accurate and consistent. A debt can not simultaneously have multiple different balances. Because the information being furnished is inconsistent and therefore inaccurate, the account does not meet the accuracy standards required under the FCRA. Additionally, I have not received documentation verifying : a copy of the signed lease agreement associated with this account an itemized move-out ledger detailing how the balance was calculated documentation demonstrating that this account was legally assigned to XXXX XXXX for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to co

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Validation of Debt Request - SPRINGOAKCAP - XXXX Validation of Debt Request - SPRINGOAKS - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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