vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding an alleged debt they are attempting to collect on behalf of Citizens Bank NA, amounting to {$1100.00}. I am not the debtor of this account and have not authorized or incurred this debt. I believe that XXXX XXXX XXXX has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires debt collectors to provide proper validation of the debt. XXXX XXXX XXXX has failed to provide adequate documentation proving the legitimacy of this debt. I am requesting the CFPB 's intervention to compel XXXX XXXX XXXX to provide a full accounting of the debt, including all transactions, fees, payments, credits, and interest ; a copy of the assignment of purchase showing their legal right to collect ; a detailed breakdown of charges and how the total owed was calculated ; the full chain of assignments from the original charge-off to the present ; proof of ownership with clear title ; and documentation of my wet signature on the original contract. These violations have harmed my credit and financial standing, and I request that XXXX XXXX XXXX cease all collection activities until the debt is properly validated. If they fail to validate the debt as required by law, I demand that it be removed from all of my records and that all collection efforts cease immediately. I ask for the CFPB 's assistance in investigating this matter and ensuring that my rights under the FDCPA and FCRA are fully upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I took out a {$3000.00} installment loan from Willow Lake Lending on XX/XX/year>. I later discovered that the loan requires XXXX payments of approximately {$1400.00} each, for a total repayment exceeding {$23000.00}, with an APR of approximately 580 %. At the time I entered into this agreement, I was recovering from a XXXX which significantly impaired my ability to read and understand complex documents. I continue to have difficulty reading and writing and rely on assistive tools such as text-to-speech and other XXXX. I did not fully understand or knowingly agree to these repayment terms. I have made XXXX payments totaling {$4300.00}, which exceeds the original loan amount. I believe this loan is predatory and unconscionable. The lender states the loan is governed by tribal law and includes provisions limiting legal action and requiring arbitration, which I believe restricts my ability to access normal legal protections. I am requesting that the loan be considered paid in full and closed, and that no further collection activity or negative credit reporting occur.

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 2026-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Improper Dispute Handling Reliance on Incorrect Terms and Unsupported Merchant Claims I am filing a complaint regarding the handling of a billing dispute by Capital One. I disputed a charge of {$3400.00} from XXXX XXXX after cancelling my order in accordance with the merchants policy at the time of purchase. The dispute was denied after the merchant asserted that the order was non-cancellable. No product invpice has been provided no product has ever been delivered, and no tracking information exists nor any delivery window. I have since provided independent, time-stamped evidence showing that at the time of purchase, the merchants policy stated that manufacturing begins XXXX hours after purchase and that orders become final only once production begins. This establishes that cancellation restrictions apply only after that point. I cancelled prior to that timeframe. Despite this, the dispute was denied without applying the terms in effect at the time of purchase. Additionally : The merchant claims I failed to respond to an email, which I never received. I have verified this by searching all inboxes, including spam and archived folders, and no proof of delivery of such email has been provided. The merchant asserts that cancellation occurred outside the allowable window but provides no evidence of when manufacturing began or when the cancellation window expired. The merchant claims I can log in to view order status, but no such access has been provided or demonstrated. The decision appears to rely entirely on unsupported merchant assertions rather than verifiable evidence. I was also informed that the dispute window may expire before the product is delivered, despite acknowledgment that no delivery has occurred and no delivery timeline exists. I am requesting a formal review of whether : The correct policy at the time of purchase was applied Appropriate evidentiary standards were used Unsupported merchant claims were improperly relied upon I request that this matter be reviewed and corrected. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Complaint Against TransUnion Failure to Block Identity Theft Account Under FCRA 605B XXXX XXXX I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires credit reporting agencies to block information resulting from identity theft. I have repeatedly notified TransUnion that a fraudulent account appearing on my credit report is the result of identity theft. I submitted an Identity Theft Report through the Federal Trade Commission and provided supporting documentation, including proof of identity and disputes identifying the account as fraudulent. Despite this, TransUnion has continued to report the account as verified after multiple disputes. This response is inappropriate and not compliant with federal law. Under FCRA 605B, once a consumer submits a valid Identity Theft Report and identifies fraudulent information, the credit reporting agency is required to block that information from appearing on the consumers credit file within four business days. TransUnion has failed to : * Properly treat my submission as an identity theft blocking request * Block the fraudulent account as required by law * Conduct a reasonable investigation into my identity theft claim * Prevent the continued reporting of inaccurate information Instead, they have relied on repeated verification from the furnisher without addressing the legal requirement to block identity theft-related information. This ongoing failure has caused harm to my credit standing and has prevented me from resolving the consequences of identity theft. I am requesting that the Consumer Financial Protection Bureau require TransUnion to : 1. Immediately block and permanently remove the fraudulent account from my credit file under FCRA 605B 2. Provide documentation of how this account was verified despite my identity theft report 3. Ensure that this account is not reinserted into my credit file in the future 4. Conduct a proper investigation consistent with identity theft protections under federal law I have attached copies of my FTC Identity Theft Report and prior dispute correspondence as evidence. I expect prompt resolution of this matter and full compliance with federal law.

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 2026-04-22 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: Possible Financial Inc
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as POSSIBLEFINA XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: VA

Complaint narrative:
I have received XXXX calls.already this month from global lending. On XX/XX/year> and today ( XXXX ) asking me to tell my neighbor to call them about a debt. I called them today, told them it was illegal to call me and that i would sue if they continued. They said they took my number off the list.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' AMERICAN CREDIT ACCE - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
I am filing a complaint regarding a credit card account opened with Total Visa. The account required an upfront payment of {$99.00} to open, which was paid. However, the physical credit card has never been received. Despite this, the company has issued a bill stating that {$41.00} is past due. I have attempted to resolve this issue by contacting the company, but I am unable to access the account through their automated system because I do not have a card number. Their phone system requires an account number to proceed, and I have been unable to reach a live representative. I also attempted to set up online account access, but this was not possible without the card information. I have contacted the company via email requesting cancellation of the account and assistance, but have not received a resolution. It is unreasonable for the company to charge fees and report a past-due balance on an account where the card was never delivered and access to the account has been effectively blocked.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened a CareCredit credit card with an {$8000.00} credit limit under a 0 % interest promotion for 24 months. The promotion required minimum monthly payments but stated that if the full promotional balance was not paid by the end of 24 months, deferred interest would be charged from the original purchase date. Over the next two years, I made consistent payments totaling over {$5000.00}. I believed I was responsibly reducing the principal balance. When the 24-month promotional period ended. On my next statement, the balance jumped from approximately {$3000.00} ( remaining principal ) to {$7400.00} more than double what I expected. My required monthly payment also doubled. I contacted CareCredit ( issued by Synchrony Bank ) to dispute the new balance. A representative explained that because I had not paid the full original {$8000.00} by the end of the promo period, deferred interest was added retroactively from the start of the promotion at a high APR ( approximately 27 % ). This resulted in over {$4000.00} in retroactive interest, even though I had paid more than half of the original principal. I was struggling to afford the new higher payments. The company offered a Customer Assistance Plan ( CAP ). Under this plan, the account would be closed, but I would still owe the full {$7400.00} balance at a reduced interest rate. I reluctantly agreed to the CAP because I could not afford the original deferred interest payments. I later requested a detailed breakdown of how the {$7400.00} balance was calculated, including the deferred interest formula, the APR applied, and the dates used. The company did not provide a clear or itemized explanation. I believe the {$7400.00} balance is unfair and misleading. I paid over {$5000.00} on an {$8000.00} purchase. A reasonable consumer would expect the remaining balance to be roughly {$3000.00} plus some reasonable interest not {$7400.00}.

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 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please look over this entryit may not be correct and its late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this statement to file a formal complaint regarding the collection activities of Halsted Financial, a debt collector. Halsted Financial contacted me on XX/XX/year>, attempting to collect a debt allegedly associated with my XXXX XXXX XXXX credit card account. However, this account remains active, and I am currently making payments directly to the original creditor, XXXX XXXX. Based on this, I dispute the validity of Halsted Financials claim that this debt is owed to them. Given that the account is not charged off, sold, or transferred, and remains in good standing with the original creditor, Halsted Financial does not appear to have a legitimate basis to collect on this account. Their actions raise serious concerns about inaccurate reporting and improper collection practices. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Any furnisher of information is required to ensure that the data they report is accurate and verifiable. Reporting a debt that is not owed, duplicated, or still being paid to the original creditor may constitute a violation of the FCRA. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from attempting to collect debts that are not valid or that they can not substantiate. Continued contact regarding a disputed and potentially invalid debt may also violate federal law. Therefore, I am formally requesting the following : That Halsted Financial immediately cease all communication with me regarding this matter. That Halsted Financial provide proper validation of the alleged debt, including proof of ownership and transfer, if they claim it is valid. That Halsted Financial permanently remove and delete any negative or inaccurate reporting related to this account from all three major credit reporting agencies if they can not validate the debt. Please consider this a formal dispute and request for investigation. I expect that this matter will be handled in accordance with all applicable federal laws and consumer protection regulations. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
I am submitting this complaint regarding the handling of my FHA mortgage and loss mitigation review by PennyMac. My loan is currently in active foreclosure status with no sale date set, and I have made multiple attempts to obtain assistance to avoid foreclosure. I was previously approved for an FHA XXXX modification trial payment plan ; however, I was unable to complete the trial payments due to a documented mental health XXXX and hospitalization during that time period. Since then, I have repeatedly requested a re-evaluation of my loss mitigation options, clearly explaining that my trial plan failure was directly related to a medical and disability-related hardship. Despite this, PennyMac has continued to deny assistance without providing a meaningful review of my current situation. I believe the servicer is failing to properly follow XXXX XXXX XXXX guidelines and is not adequately considering my documented hardship. Additionally, I have requested consideration of a reasonable accommodation due to my XXXX, and I do not believe this request has been properly addressed. My concerns are as follows : Failure to properly evaluate me for all available FHA loss mitigation options after a trial payment plan failure Failure to adequately consider or document my disability-related hardship and hospitalization Lack of clear explanation regarding the specific reason ( s ) for repeated denials Failure to provide a meaningful review or escalation despite multiple requests Proceeding with foreclosure while viable alternatives may still be available What I am requesting : A full, good-faith re-evaluation of my FHA loss mitigation options Consideration for all available options, including but not limited to FHA Partial Claim and loan modification Proper review of my case with consideration of my documented XXXX and request for reasonable accommodation A clear, written explanation of any denial decision, including the specific criteria used I am trying in good faith to resolve this situation and keep my home. I am requesting immediate assistance and a halt to foreclosure progression while my case is properly being looked at. I can resume making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. The last four digits of my Social Security Number are XXXX. I am writing to formally dispute a debt collection account with FIRSTPOINT COLL RESO, identified by account number XXXX. The current balance of this account is {$250.00}, and it is reported as being in collections. This debt is not mine, and I have no knowledge or record of this account. I have already filed a dispute regarding incorrect details with an autoblast on XX/XX/XXXX, but the issue remains unresolved. I am particularly concerned about the negative impact this incorrect information has had on my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This erroneous collections account is causing significant harm to my creditworthiness and financial reputation. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute a debt and request that it be validated. To date, FIRSTPOINT COLL RESO has not provided any documentation or evidence supporting the validity of this debt despite my previous dispute. This account appears to have been erroneously assigned to me, and I am requesting its immediate removal from my credit reports with XXXX XXXX and XXXX. The presence of this debt on my credit reports is unfounded, causing undue stress and potentially affecting my ability to obtain credit or favorable terms on future applications. I have no record of any agreement, service, or transaction that would have resulted in this alleged debt. I urge you to investigate this matter thoroughly and ensure that this account is completely removed from my credit reports. I expect confirmation of this action in writing and a revised copy of my credit report reflecting the removal of this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: AL

Complaint narrative:
Hi, Im reaching out because Im really concerned about my account. I made a payment of over {$200.00} toward my XXXX XXXX loan today, but I never received any confirmation or update. My account is still showing as past due, which doesnt make sense after the payment I just made. Ive also tried contacting support multiple times today ( at least 5 attempts ) and havent been able to get any response. This is frustrating, especially since this could impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
My XXXX, my identity was used in a data breach with someone fraudulently use my identification on American Express and XXXX XXXX XXXX XXXX, which would be identity theft by the FCRA State, the cool 15 USC $ 1681C-2 an active as section 605B of the following account should be removed or blocked within four days.

Company response to consumer: Closed with explanation