vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Perpay, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding ongoing identity verification failures and lack of resolution from Perpay despite multiple attempts to correct my information. I have applied for the Perpay Credit Card multiple times and have been denied each time due to identity verification issues. The denial does not appear to be related to my creditworthiness, but rather an inability of Perpays system to properly verify my identity. I recently underwent a legal name change due to marriage and have taken all necessary steps to ensure my information is accurate and consistent with the credit bureau used for verification. Perpay has repeatedly stated that they rely on XXXX for identity verification. In response, I have contacted XXXX multiple times to confirm and correct my information. XXXX has verified that my credit file has been successfully updated to reflect my correct legal name as well as my prior name. Additionally, XXXX suggested that, in cases where identity matching issues occur, lenders may need to account for both prior and current names ( for example, including both my maiden and married name ) to ensure accurate verification. I have already taken steps on my end to ensure my file reflects this appropriately. Despite this, Perpay continues to deny my application without addressing the root cause of the issue. I have clearly communicated that I am willing for my account to reflect my legal name as it appears on my credit file, or to include both my previous and current last name if necessary to resolve the mismatch. However, no action has been taken to update or adjust my information within their system. Furthermore, XXXX has confirmed multiple times that there are no issues on their end and that the information being reported is accurate. This indicates that the verification failure is occurring within Perpays system or processes. My repeated attempts to resolve this issue with Perpay support have not been successful. I continue to receive generic denial responses, and my requests for assistance have been closed without resolution or proper escalation. This situation raises concerns under the Equal Credit Opportunity Act ( ECOA ), as I am being repeatedly denied access to credit due to unresolved identity verification issues despite providing accurate and verified information. At this time, I am requesting : XXXX. A manual review of my application XXXX. Correction or adjustment within Perpays system to properly verify my identity using my legal name 3. A clear and specific explanation of any remaining discrepancies preventing approval I have made every reasonable effort to resolve this issue. The continued inability to verify my identity appears to be a system or process failure on Perpays end, not a deficiency in my information. I am requesting prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
proof of the debt but they want all my personal information. I have excellent credit and I have no outstanding debt CREDENCE RESOURCE MANA has flagged your account as Collections. Today CREDENCE RESOURCE MANA has flagged your account as Collections on XXXX XXXX XXXX. Source : XXXX Company : CREDENCE RESOURCE MANA Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XXXX XXXXXXXX XXXX Balance : {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding the restriction of my accounts and potential termination of my membership, despite my proactive efforts to report suspicious activity and follow all instructions provided. On XX/XX/year>, I received an unexpected XXXX payment from an individual I did not recognize. On XX/XX/year>, I immediately contacted both Navy Federal and XXXX to report the transaction. During those conversations, I was explicitly advised : To be cautious if attempting to return the funds myself That my report via phone was sufficient That if the sender disputed the transaction, the funds would simply be reversed That my account would not be negatively impacted, and any issues could be resolved by referencing the notes from that call I followed all instructions exactly as given. On XX/XX/year>, I received a second XXXX payment from the same unknown sender. Shortly after this second transaction, my accounts were restricted while I was traveling with my family, leaving me unable to use my debit card, access funds, or complete transactions. This caused significant disruption, including being unable to make purchases during a planned family trip. I have since spoken with multiple representatives and a supervisor at Navy Federal. While they acknowledged the existence of my XX/XX/XXXX report and documentation, they were unable to provide a clear explanation as to why my account was restricted despite my prior reporting and full compliance. I was told the restriction may have been triggered by an automated fraud system. However, no one has been able to explain why my previously reported concern and account notes were not considered before restricting my account. This raises serious concerns about : Failure to properly review documented fraud reports Failure to follow internal procedures Improper reliance on automated systems without adequate human review Unjustified restriction of access to my funds despite acting in good faith As a result of this situation, I have experienced : Loss of access to my accounts and funds Inability to complete transactions or pay bills Significant personal and financial disruption I am requesting : XXXX. Immediate review of my account and removal of all restrictions if no wrongdoing is found XXXX. A clear explanation of why my prior fraud report was not considered XXXX. Assurance that my membership will not be terminated due to this issue XXXX. Confirmation that proper procedures will be followed in handling reported fraud situations I acted responsibly, reported suspicious activity promptly, and followed all instructions provided. I should not be penalized due to internal or system failures beyond my control.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This is the only email they XXXX to me, I was waiting on instructions or more information but I have received nothing, this email was sent Monday XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I am filing a complaint regarding misleading and inadequate guidance related to my eligibility for Public Service Loan Forgiveness ( PSLF ). I have been employed full-time since XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX a nonprofit private school. My employment has been certified and approved as qualifying under PSLF. I followed all instructions provided to me and was told that I needed to submit PSLF certification forms and have my employment verified. I did so, and my employment was approved. At no time was I informed that my loan type ( Parent PLUS ) or repayment plan ( Extended Graduated Repayment Plan ) would make my payments ineligible. My federal student loans were transferred to MOHELA as the PSLF servicer. I received official communications indicating that my payments would be tracked for PSLF eligibility. Based on this, I made consistent monthly payments of approximately {$560.00} beginning in XX/XX/XXXX. My payments were reviewed and counted as qualifying through XX/XX/XXXX. I relied on this information and continued making payments. I was never advised to consolidate my loans or switch to a qualifying repayment plan. In XXXX, without prior notice, my qualifying payment count was reversed and I was informed that I am not eligible for PSLF and that none of my payments qualify. This situation reflects : Failure to inform me of critical PSLF eligibility requirements Misrepresentation that my payments were qualifying Lack of timely notification when my status changed Financial harm due to reliance on incorrect or incomplete information Given my long-term qualifying employment and repeated participation in the PSLF program, I reasonably relied on the information provided by my loan servicer. I am requesting : A full review and correction of my PSLF payment count A clear explanation of why my payments were previously marked as qualifying Appropriate remediation for the financial harm caused by this misinformation I acted in good faith at all times and believe I was misled regarding my eligibility.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The local electric company XXXX XXXX taking money out of an account that I never authorized, they violated several different consumer protection laws and refuse to fix the problem. In XXXX of XXXX, my XXXX mother passed away, and I transferred the bill which was on autopay to my name and my checking account. Around the same time I closed another account at a rental building we own in which I included the electric as part of the rent and pay that electric bill via paper billing. I contacted them several times via telephone to ask why I stopped getting paper bills to the rental property address, XXXX XXXX XXXX XXXX. They insisted it was from my mothers old account that was still owed and just transferred over. I know everything was paid and they could not explain why it as added to the bill. They insisted the {$45.00} was an adjustment that carried over from the last bill for XXXX. But it was included in the XX/XX/XXXX to XX/XX/XXXX bill. After over a month of back and fourth emails and phone calls which wasted much of time they admitted that the {$45.00} was from the rental building account and just added it to the autopay for the home bill like they can do whatever they want without my permission and never sending a paper bill as I had been requesting. I realized that it is a small amount that I'm complaining about. However, by taking money out of an account that I never authorized, they violated several different consumer protection laws and refuse to fix the problem. Furthermore, I kept it separate for accounting and tax purposes. Now they have screwed that up. Moreover, such unauthorized withdrawals are considered fraudulent and in violations of consumer protection laws, such as the Electronic Fund Transfer Act ( EFTA ). I am disputing this immediately. Without explicit, documented consent or a court order, a company can not withdraw money. Now I have to waste more time and contact my bank to report the unauthorized transfer. I have the right to dispute these charges and request a refund. I warned them that I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and a file a small claims action if necessary. But they dont seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
So When I WAS HOME ALONE, AND I COULDN'T EAT NOR DRINK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAD TO ORDER OUT XXXX & XXXX STUFF OUT INSTEAD OF BEING ABLE TO EAT STUFF AT HOME & GO OUT TO BUY THE FOOD, DRINKS ( EVEN WATER! ), & SUPPLIES FOR MY BEDROOM & SUCH, AMONGST OTHER SUCH THINGS, BECAUSE I COULD NOT SURVIVE OTHERWISE BECAUSE MY MOM WAS FORCED TO BE IN THE HOSPITAL FOR XXXX MONTHS & XXXX MONTHS IN A MEDICAL REHABILITATION CENTER. I WAS FORCED TO BUY STUFF ONLINE FROM THE FOLLOWING MERCHANTS : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX I DID NOT GET ANY FOOD UNTIL IT WAS ALREADY SPOILED & INEDIBLE, WASTING UP TO XXXX XXXX XXXX XXXX XXXX!!! I COULDN'T GET ANYTHING RIGHT! NOTHING WAS OFFERED UNTO ME THAT WAS CORRECT! I NOW OWE A GRAND TOTAL OF {$1000.00} FOR STUFF THAT I DIDN'T GET, I DIDN'T GET IT TO BE ABLE TO EAT IT, OR ANY SUCH THING!!! I... I ALSO CALLED CAPITAL ONE MULTIPLE TIMES NOW! THEY BASED ME UPON A STEREOTYPE, AND THEY BARELY HAPPENED TO BE OF HELP TO ME AT ALL! ME, THE BENEFICIARY, TO THE TRUSTEES, CAPITAL ONE & IT'S AFFILIATES, THE BENEFICIARY WAS UNJUSTLY & UNRIGHTEOUSLY FORCED INTO A PREDICAMENT TO PAY A BILL UNJUSTLY DUE TO HIM, WHILE THEY, THE TRUSTEES, ABUSED THEIR RIGHTS AFFORDED AND NOT AFFORDED TO THEM, AS PER XXXX XXXX XXXX TO HARM THE CONSUMER. THEREFORE, BY IN RESPECT TO THE LAW OF THE LAND AND THE LAW OF THE SEA, GOVERNING THE UNITED STATES OF AMERICA, THE STATE OF TEXAS, & XXXX XXXX, A SOLE & DOLED PAIN & UNDUE HARDSHIP HANDED UNTO THE BENEFICIARY, THE TRUSTEES ARE ACCUSED OF MALFEASANCE, UNJUSTLY CREDIT REPORTING PRACTICES, & UNJUST & PREDITORY CREDIT PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a {$570.00} collection on my XXXX, XXXX, and XXXX credit files with Comenity Capital Bank as the original creditor. INADEQUATE VERIFICATION : In response to my prior dispute XXXX has not produced any original account statements from Comenity Capital Bank showing the complete history of this account from opening through charge-off. Under the standard established in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) a case in which XXXX XXXX XXXX was the named defendant verification requires documentation from the original creditor confirming the debts existence, amount, and ownership. XXXX has actual notice of this standard as the named defendant in that case yet continues providing inadequate verification in response to consumer disputes. UNVERIFIABLE BALANCE : XXXX is collecting {$570.00} on this alleged account but has not produced original creditor documentation showing how this balance was calculated from opening through charge-off. Without complete account statements the {$570.00} balance can not be independently verified as accurate. STATUTE OF LIMITATIONS : The Texas statute of limitations for civil collection on this account has expired. The Date of XXXX Delinquency on this account was XX/XX/XXXX per XXXX reporting. XXXX has acknowledged in writing they will not sue on this debt yet continues monthly derogatory reporting refreshing a static collection account. CONTINUED REPORTING DESPITE ACTIVE DISPUTE : This account has carried an active consumer dispute flag on all three bureaus for an extended period. Despite this XXXX continues monthly updates refreshing the derogatory status without conducting a meaningful investigation as required under FCRA XXXX ( b ) and XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX. XXXX ). As a direct result of this continued unverified reporting I was forced to accept a subprime auto loan at approximately 20 % APR in XX/XX/XXXX requiring my XXXX daughter as cosigner representing approximately {$14000.00} in excess interest charges. I am requesting deletion of this tradeline from all three bureaus or production of complete original creditor documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I had a contractual agreement with Avant for a credit card. I had some financial problems that came about and I was unable to make any more payments. Avant reached out to me and I explained this to a representative and they said they understood. A year later or so XXXX funding, showed up on my credit report and I never had an ink signed agreement nor any contract with them ever. They sent me harassing letters repeatedly and continuously called my phone for a debt not owed to them. About a month ago a sheriff served my mother a small claims summons and she told the sheriff that she was not me but she just left. My mom called me and said she was served paperwork from the sheriff about XXXX XXXX and she said it was C/O XXXX & XXXX Attorney XXXX XXXX XXXX XXXX I told my mom to disregard the paperwork since it was improperly served. I have no knowledge of how these people stole my information or how my information was bought from Avant but I want the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I can not adequately express how frustrating and distressing this situation has been. To suddenly discover a debt that I do not recognizeone that is unverified and clearly not minehas been both shocking and overwhelming. I have been subjected to repeated communications across multiple platforms, often using aggressive and intimidating tactics, including threats of legal action. This is not only unacceptable, but deeply insulting as a law-abiding consumer whose rights are being disregarded. This situation has taken a serious toll on my mental well-being, causing significant stress and sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding the failure of Experian Information Solutions , Inc. to conduct a reasonable investigation into a disputed account reported by XXXX XXXX XXXX, XXXX. I formally disputed this account and requested full validation and verification, including a verifiable account number, proof of origin, complete chain of title, and confirmation from the alleged original creditor, XXXX. Despite these requests, no competent evidence has been provided to verify the existence or lawful ownership of the alleged debt. The furnisher has only provided generic and contradictory responses that do not include a signed agreement, transaction history, or documentation establishing ownership. I have attached documentation from XXXX ( Exhibits B and C ), confirming that they are unable to identify any account associated with my name and that no verifiable account number exists. This directly contradicts the account being reported. Additionally, I have attached correspondence from the furnisher ( Exhibit A ), in which they labeled my dispute as frivolous or irrelevant without providing any supporting documentation. This appears to be an attempt to avoid conducting a proper investigation. Despite this clear lack of verification and direct contradictions from the alleged original creditor, Experian continues to report this account on my credit file. This indicates that Experian is relying solely on the furnishers unsupported assertions rather than conducting an independent and reasonable investigation as required under the Fair Credit Reporting Act. The furnisher has also stated that they have no control over how credit reporting agencies handle the information they provide, which raises further concerns about the accuracy and reliability of the information being reported. The continued reporting of this unverified and disputed account is misleading, inaccurate, and harmful to my credit profile. It is causing ongoing financial and reputational damage. This matter is also currently the subject of ongoing legal dispute, and Experians continued reporting demonstrates a failure to properly investigate and ensure the accuracy of the information being reported.

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