vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 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: MS

Complaint narrative:
I am a victim of identity theft My personal information was compromised and has been fraudulently used without my knowledge or consent. I would like to have the following accounts removed from my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/DEPT XXXXXXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 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: MS

Complaint narrative:
I am a victim of identity theft My personal information was compromised and has been fraudulently used without my knowledge or consent. I would like to have the following accounts removed from my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/DEPT XXXXXXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-04-09 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as NATIONAL CREDIT SYSTEM - 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 NATIONAL CREDIT SYSTEMhas 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 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/year> - XX/XX/year> I went to the hospital for surgery and recovery. The next day went back to the hospital due to pain and complications. From XX/XX/year> - XX/XX/year> I was in the hospital for surgery rehab and recovery. I have all doctors documentation and provided discover and or the company zwickers with so. Notified them of my issue and requested that we correct and remove this from my records due to my medical emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: DC

Complaint narrative:
I respectfully dispute the creditors conclusion that the negative reporting on my account is accurate and appropriate. The creditor has acknowledged that the balance on my account originated from a financial aid processing error. Specifically, the university admitted that tuition benefits I disclosed were not properly factored into my federal loan eligibility, resulting in an overaward and subsequent adjustment. This is documented in their own communication. The balance would not have existed but for the institutions error. While the creditor attempts to separate the original error from the subsequent delinquency, this distinction is not reasonable under the circumstances. The unexpected balance created by the institutions mistake placed me in a financial position I could not have anticipated or reasonably prepared for. As a result : I was forced into a repayment situation caused entirely by the institutions error The financial strain directly impacted my ability to maintain the payment plan The eventual default and collection activity were a direct consequence of that initial error Therefore, the creditors claim that the delinquency is unrelated to the original error is inaccurate. The events are causally linked, not independent. Additionally, I acted in good faith throughout : I communicated with the university immediately upon discovering the issue I attempted to continue my enrollment despite the disruption I pursued repayment options, including forbearance and income-driven arrangements, once aware of the situation Despite this, I was not adequately protected from the negative consequences of an error that was entirely outside of my control. Under the Fair Credit Reporting Act ( FCRA ), information reported to credit bureaus must be both accurate and fair. While the creditor may assert technical accuracy, the reporting in this case is materially misleading because it fails to reflect that the delinquency arose from a documented institutional error..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing a complaint against Credence Resource Management , LLC regarding inaccurate and duplicate reporting of a debt associated with XXXX XXXX XXXX. This same debt is being reported multiple times under different account numbers, including but not limited to account numbers XXXX, XXXX and XXXX. Both accounts reflect the same original creditor and underlying obligation. This duplicate reporting is misleading and negatively impacts my credit profile. This debt is also reported incorrectly as I last had a bill from XXXX XXXX XXXX in XXXX of XXXX. Additionally, I previously received a settlement offer from XXXX in XX/XX/XXXX to resolve this account for {$340.00} ( approximately 34 % of the balance at that time ). However, I am now being quoted higher and inconsistent settlement amounts ranging from {$360.00} to {$390.00}, despite the balance being lower. I have attempted to resolve this matter directly with the company, including offering a reasonable settlement consistent with their prior offer, but they have refused to provide reasonable terms or correct the duplicate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NY

Complaint narrative:
On several occasions they have stolen small amounts from my account. When I reach out to them, they give a blanketed response instead of investigating whats happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting tied to my student loan account after it was transferred to a new servicer, CRI. At no point prior to the account being reported as late did I receive any communication, notice, or correspondence from CRI indicating that they had taken over my loan, that payments were due, or where payments should be directed. As a result, I was unaware that my loan had been transferred or that any action was required on my part. As soon as I became aware of who was servicing my loan, I immediately brought the account current and ensured that all payments were made. Upon identifying the correct loan servicer, I paid a lump sum of {$780.00} to bring the account current and have since enrolled in automatic payments to prevent any future issues. This demonstrates my consistent intent to remain in good standing. Despite this, CRI reported late payments to the credit bureaus. This reporting is inaccurate and unfair, as I was never provided proper notice or an opportunity to make timely payments before being marked delinquent. This situation has caused significant harm. My credit score dropped from approximately XXXX to XXXX as a direct result of this reporting. Additionally, long-standing credit accounts have reduced my credit limits due to this sudden and inaccurate negative activity. I have maintained a history of on-time payments across all accounts for over 10 years, and this is the first instance of any negative reporting. I made every reasonable effort to resolve this directly with the company by requesting information about the loan transfer, payment expectations, and the basis for the reported late payments. However, I did not receive adequate resolution or correction. I am requesting that all inaccurately reported late payments related to this account be removed from my credit reports and that my account history be corrected to reflect accurate, timely payment behavior. I am further requesting that these corrections be applied to all tradelines associated with this account, not just a single loan segment, to ensure my credit report is fully and accurately updated. I also request that CRI ensure proper communication practices are followed for future account transfers so that consumers are not placed in similar situations. This issue is not due to a failure to pay, but rather a failure in communication and proper notification by the servicer, which has resulted in unjust credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: Block, Inc.
State: IL

Complaint narrative:
I was buying and selling XXXX for months but this past weekend cash app stopped me from selling my XXXX saying for my protection when I called to complain about this they blocked me saying it was fraud when I try to reason with them because my work wallet has my money going to cash app and I need cash app to withdraw my funds they still refuse to un block me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX and am submitting this complaint regarding a vehicle transaction involving a XXXX XXXX XXXX Range Extender purchased from XXXX XXXX XXXX. I relied on information presented online and during the sales process that I now believe was inaccurate, incomplete, misleading, or otherwise deceptive. After reviewing the paperwork, I have serious concerns regarding the structure of the transaction, the disclosures provided, the fees included, and the overall financing arrangement. The documents provided to me appear to show, among other things, a base selling price of {$7900.00}, a dealer service fee of {$990.00}, an agency/tag electronic filing fee of {$190.00}, GAP protection of {$1200.00}, and an unpaid balance due of {$9700.00} after a {$1700.00} down payment. I dispute the fairness, disclosure, and presentation of these terms and believe I was induced into a predatory transaction through false, misleading, or materially incomplete information. I already contacted the dealership directly in writing and gave them an opportunity to resolve this matter, but they have not provided an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Subject : Formal Complaint Unauthorized Reporting and Failure to Ensure Accuracy ( FCRA Violations ) To Whom It May Concern, I am submitting this complaint regarding ChexSystems , Inc. for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ChexSystems has reported and maintained information on my consumer file without proper verification, permissible purpose, or my informed written consent. This constitutes a violation of : 15 U.S.C. 1681b Permissible Purpose 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy 15 U.S.C. 1681i Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681c-2 Blocking of Inaccurate Information I have reason to believe that the data being reported is inaccurate, incomplete, or unverifiable. Additionally, I did not authorize ChexSystems to furnish or retain this information. I formally demand the following : 1. Immediate reinvestigation of all disputed items 2. Proof of permissible purpose and written authorization 3. Deletion of any unverifiable or inaccurate data 4. A complete copy of my consumer file and disclosure history Failure to comply within the statutory timeframe will result in escalation, including potential legal action for willful noncompliance under 15 U.S.C. 1681n. I request that the CFPB ensure ChexSystems responds promptly and corrects these violations. Sincerely, XXXX XXXX XXXX XXXX. 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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, XXXX XXXX confirmed in writing that my account was permanently closed with no opportunity for reopening and I was no longer able to place trades. Despite this, {$760.00} in charges were processed on my Chime debit card between XXXX XXXX XXXX. It does not matter who initiated these transactions. A permanently closed account should be incapable of processing any transaction from any source. These charges should never have gone through. Their existence proves XXXX never enforced their own written closure confirmation. I filed two disputes with full evidence packages. Chime denied both with identical boilerplate responses stating no error occurred. Critically, Claim # XXXX ( {$260.00} ) was denied at XXXX XXXX conclusive proof of automated denial, not human investigation. No merchant contact was made, no provisional credit was issued, and my evidence was never reviewed by a human. This violates EFTA Section 908 and Regulation E. An FTC fraud report ( # XXXX ) is on file. I am requesting reversal of both denials and a credit of {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: Source Receivables Management LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as SOURCE RECEIVABLES MNG - 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 SOURCE RECEIVABLES MNG 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 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ClarityPay, Inc.
State: FL

Complaint narrative:
I am submitting a complaint regarding improper billing and failure to honor a confirmed cancellation associated with a point-of-sale financing agreement through ClarityPay for a merchant, XXXX. On XX/XX/year>, XXXX formally approved the cancellation of my account and associated subscription. Following this approval, I returned all products using the return shipping labels provided by the company. Despite this confirmed cancellation and return of goods, billing activity continued : - On XX/XX/year>, I received notification from ClarityPay that a payment of {$160.00} was scheduled for XX/XX/year> - On XX/XX/year>, my account was charged {$160.00} despite the prior cancellation - Additional product was shipped after cancellation approval and has also been returned I made multiple attempts to contact XXXX to confirm cancellation and stop billing prior to and after the charge, but received no response within a reasonable timeframe. XXXX later stated that cancellation and billing termination are contingent upon internal warehouse processing and may take up to 10 business days. However, this delay has resulted in continued billing after cancellation, which I did not authorize. I have explicitly revoked authorization for any further ACH debits related to this account. Any continued billing activity constitutes unauthorized withdrawal. This matter reflects a failure to properly execute a confirmed cancellation and a failure to communicate with the financing provider ( ClarityPay ) to stop billing. I am requesting : 1. Immediate termination of all billing and autopay associated with this account 2. Full refund of the {$160.00} charge processed on XX/XX/year> XXXX. Confirmation that ClarityPay has ceased all billing activity and that no further payments will be attempted 4. Confirmation that the account is fully closed with no remaining obligation I have made multiple good-faith attempts to resolve this directly with the merchant, but they failed to respond within the timeline provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is in regards to the purchase of {$45.00} at " XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I had opened the dispute on XX/XX/XXXX. Investigation was complete and ruled as " Customer Responsible '' on XX/XX/XXXX. XXXX is the transit card agency for the XXXX XXXX XXXX, servicing regions such as XXXX XXXX and suburbs surrounding it. There has been a recent restructuring that has led to a system upgrade for the card. Issues such as unauthorized charges on cards that have had details entered into the website before have been happening. I have been following up with the company in person and have been led to also contact Citi and other credit cards that I have issued in regards to this problem. Citi has previously allowed the disputes on XX/XX/XXXX of two {$20.00} transactions to be credited. Though, this transaction of a larger sum they look longer to look into. I have told them that I did not authorize this charge and also followed up with them after they marked it as " Resolved '' in the Merchant 's favor. They claimed to have reopened the investigation last time, though I see no sign of it. I did not authorize this charge, nor did I receive the services that would and should have been provided.

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 monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have noticed SYNCB/LOWES account # XXXXXXXX XXXX XXXX XXXX XXXX on my report, but I did not have an opportunity to dispute it. If you believe proper notification was sent, please provide a copy of the certified mail receipt showing my signature. If no such notice exists for SYNCB/LOWES account # XXXXXXXX XXXX XXXX XXXX XXXX I kindly request that you remove this account from my report as soon as possible.

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Management Holdings, LLC
State: WV

Complaint narrative:
COLLECTION MANAGEMENT CO Account number XXXX Account type Collection Responsibility Individual Interest type - Date opened XX/XX/XXXX Status Collection account. {$710.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Balance {$710.00} Balance updated XX/XX/XXXX Please note that I have never received any documents prior to the listing on my credit record. I have never been notified by mail nor any type of letters. I have never received any type of services according to their dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I have noticed COLLECTECH DIVERSFD INC account # XXXXXXXX XXXX XXXX XXXX XXXX on my report, but I did not have an opportunity to dispute it. If you believe proper notification was sent, please provide a copy of the certified mail receipt showing my signature. If no such notice exists, I kindly request that you remove COLLECTECH DIVERSFD INC account # XXXXXXXX XXXX XXXX XXXX XXXX from my report as soon as possible.

Company response to consumer: Closed with explanation