vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-03-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WAFD BANK
State: AZ

Complaint narrative:
I deposited into my account {$110.00}. To my knowledge I had a low balance of {$1.00} in my checking account. After the deposit, I only had {$11.00} remaining? Shocked and puzzled, I look at my account and there are XXXX insufficient funds fees on my account, XXXX of them within 6 days of each other even though my account was reflecting a positive balance of {$1.00} before the fees. After back logging all negative balances were settled after looking at a returned purchase from my car payment. According to my banking app and electronic statements all negative balances had been settled and I should not have any of those insufficient funds fees. I called and talked to a representative of Wafd. They walked me through the fees but none of it was making sense because the dates they were telling me the fees occurred do not match the dates and fees reflected on the banking app or in downloaded statements. The electronic statements are vague and do not show full transaction history either. The bank is refusing to reverse the fees. Now I will not have the money I needed to make my car payment that I'm already behind on putting me into financial crisis right now. I'm a single mom living pay check to pay check how can I trust my money to an institution that obviously does not care about their clients!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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:
I am filing this complaint because there are collection accounts on my credit report that do not belong to me. I check my credit regularly, and these accounts showed up without my knowledge or permission. I never authorized this, and I am extremely frustrated that this inaccurate information is being reported under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
6 payouts XX/XX/XXXX. {$480.00} received XX/XX/XXXX {$970.00} not received ( old bank ) XXXX {$75.00} not received ( old bank ) XX/XX/XXXX {$970.00} not received ( old bank ) XX/XX/XXXX {$75.00} received XX/XX/XXXX {$970.00} received When I explained the 3 mobile disbursements were sent to an old bank. They said they couldnt send me the remaining funds. I received {$1500.00} and I am missing {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I requested validation of an alleged medical debt being reported by Credit Management Company. I requested documentation showing the original creditor, proof that the debt belongs to me, and proof that the company has authority to collect the debt. I did not receive documentation validating the debt. Despite this, the company verified the account to XXXX and continues reporting the collection on my credit report. Additionally, another collection agency ( XXXX ) has attempted to collect the same alleged debt, raising concerns regarding ownership and authority to collect. I am requesting proper validation of the debt, including documentation identifying the original creditor and the chain of assignment. If the company can not provide documentation supporting the debt, I request the account be removed from credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: American Credit Acceptance, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding an auto loan with American Credit Acceptance related to a XXXX XXXX XXXX XXXX. The vehicle became subject to multiple safety recalls involving a high-voltage battery fire risk. XXXX issued warnings instructing owners not to charge the vehicle and not to park the vehicle in garages or near other vehicles due to the risk of fire or explosion. The recall notice also stated that a remedy was not available for an extended period of time. Because the manufacturer restricted normal use of the vehicle and failed to provide a timely repair, the vehicle could not be safely operated. I notified the lender that the vehicle had a dangerous unresolved safety recall and was under stop-sale conditions. Despite this, the account continues to be reported as delinquent and I have not received clear information about the status of the repossessed vehicle. I did call and request information.I can not retrieve the vehicle because its not safe to drive.XXXX also said they would not provide me with a rental or a loaner car for more than XXXX days. I am requesting that this matter be reviewed, that the account be properly investigated, and that any inaccurate credit reporting be corrected while the safety defect issue is unresolved. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Consumer Financing Dispute Seller Failed to Provide Installation Services I am filing this complaint regarding financing provided by Synchrony Financial for a purchase made through XXXX XXXX XXXX. I purchased high-end kitchen appliances manufactured by XXXX through XXXX XXXX XXXX under a financing program processed through Synchrony Financial. According to my contract and written agreement : Delivery was promised Professional installation was included in the contract The appliances require professional installation due to technical and safety requirements However : XXXX XXXX XXXX went out of business. Installation services were never completed. The appliances are still sitting in my home and are unusable without installation. The financing was arranged under the sellers partner financing program : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Business License # XXXX Under the FTC Holder Rule, I believe I have valid defenses against full payment because the seller failed to perform contracted services. I am requesting : - Full amount of {$24000.00} refind due XXXX XXXX XXXX broke the contract for installation I attempted to resolve this issue directly with Synchrony, but the dispute is still in process. I need the CFPB 's support to achieve this dispute The Dispute number is XXXX dispute date : XX/XX/year> dispute amount : {$24000.00} Issue The appliances have been delivered but have not been installed as required by the purchase contract. Thank you for reviewing this complaint. 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MIDLAND is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was banned on cash app for XXXX even tho im not old enough to i have proof by charges on the account and the day they banned me was when i had went fishing and purchased equipment from XXXX XXXX in XXXX that was {$15.00} XXXX purchases from XXXX XXXX XXXX XXXX for {$38.00} and another for {$11.00} the day before that i spent {$16.00} my mom had sent money to me a couple days before dates range from XX/XX/year> the day i had made purchases for finishing equipment and snacks to when they said they found activity that violates their terms and service i have many pictures from transactions that disprove this i can show what stores i went and its just a gas station and a fishing spot not once did i XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Our XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX ( Account XXXX ) has been on XXXX since the lease start from our XXXX XXXX account. This is our XXXX XXXX lease and we have always paid via XXXX XXXX payments from this account. In late XXXX, XXXX called and said we missed a payment. At the time, they made us make an 'XXXX ' payment via their XXXX XXXX portal to cover what they said was a missing XX/XX/year> payment as well as the 'currently due " XXXX payment, which totaled {$700.00}. In fact, when I investigated my autopayments with XXXX XXXX, they confirmed that all autopayments were fully executed to XXXX 's bank each month exactly on time. As you will see from the following attachments, you can clearly see my autopayment history, as well as a claim I made to XXXX XXXX which confirmed that there was no missed payment. You will also see that my account at XXXX does NOT reflect the XXXX payment, but it does show my {$700.00} payment as well as my XXXX autopayment. This means that I have paid XXXX TWICE for both XXXX and XX/XX/year>. They have denied this claim saying it is 'unfounded '. I would like a refund of the duplicative " emergency '' payment and a free month on my lease given the numerous hours I have spent trying to resolve this complaint. Please see attachments and let me know if you need any further information. I have had no success with my phone calls and emails to XXXX. Thank you very much for your assistance.

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 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Step XXXX What happened? XXXX. Except as otherwise provided in this section, a consumer reporting agency shallblock the reporting of any information in the file of a consumer that the consumer identifiesas information that resulted from an alleged identity theft, not later than XXXX business daysafter the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of theconsumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information bythe consumer ; and ( XXXX ) a statement by the consumer that the information is not informationrelating to any transaction by the consumer. ( b ) Notification. A consumer reporting agencyshall promptly notify the furnisher of information identified by the consumer undersubsection ( a ) of this section- ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) thatan identity theft report has been filed ; ( XXXX ) that a block has been requested under thissection ; and ( XXXX ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( XXXX ) Ingeneral. A consumer reporting agency may declined to block, or may rescind any block, ofinformation relating to a consumer under this section, if the consumer reporting agencyreasonably determines that- ( A ) the information was blocked in error or a block wasrequested by the consumer in error ; ( B ) the information was blocked, or a block wasrequested by the consumer, on the basis of a material misrepresentation of fact by theconsumer relevant to the request to block ; or ( C ) the consumer obtained possession ofgoods, services, or money as a result of the blocked transaction or transactions. ( XXXX ) Notification to consumer. If a block of information is declined or rescinded under thissubsection, the affected costumer shall by notified promptly, in the same manner asconsumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of thistitle. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reportingagency rescinds a block, the presence of information in the file of a consumer knew orshould have know that the consumer obtained possession of any goods, services, or moneyas a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall no

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Company Name : Synchrony Bank Product : Savings Account Issue : Account Restricted / Funds Unavailable Complaint Description : My Synchrony Bank high-yield savings account ending in XXXX XXXX XXXX XXXX XXXXXXXX has been restricted since XX/XX/year>, due to identity verification. I have submitted all requested identity verification documentation. Despite my compliance, I have been informed that no supervisor is available for escalation and that the review process may take XXXX days. My online banking access has also been deactivated, preventing me from viewing my account balance, transactions, or secure messages. As of today, approximately {$1500.00} of my funds remain inaccessible. All deposits and linked accounts are in my name and under my Social Security number. The account activity consisted of direct deposits and an attempted transfer to my linked XXXX XXXX account, which is also in my name.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NJ

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD 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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
This complaint is regarding CashApp. On XX/XX/XXXX, I sent {$40.00} to a known person on CashApp. She was not expecting the funds because it was a surprise When I messaged her on XXXX, she apologized and said she had locked herself out of the account I sent the funds to. I then sent her the money to her current CashApp account. I contacted CashApp right away and told them what happened. They said to just wait, and the transaction would be reversed when the person never picked up the money. Nothing ever happened. I initiated a dispute with CashApp on XX/XX/XXXX. I received an email from them on XX/XX/XXXX stating my dispute was denied. I then called the support line. Both people were extremely unprofessional and unhelpful. They say their hands are tied and the only way for them to help is for the RECIPIENT to contact them for support. This is not ethical. She was given a gift to an account she no longer controls. It is not her responsibility to fight CashApp for me. They refuse to budge on this. I escalated it and received a response from a " XXXX '' stating they can not help me. Apparently, I am simply out {$40.00} while CashApp makes interest off of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: OH

Complaint narrative:
I terminated my lease on XX/XX/year> because of XXXXXXXX XXXX, in the HVAC closet from a continuous water leak. However the XXXX XXXX wasnt in the office Friday XX/XX/year> or Monday XX/XX/year>. I also have proof that although I handed XXXX XXXX the keys directly, on XX/XX/XXXX she called and asked for permission to enter the apartment to fix service request. I stated that I handed her the keys, I no longer live there and to fix whatever needs to be fixed. But had a proper walkthrough been done with me, which wasnt, this mistake wouldnt have been made. I have emails that the XXXX XXXXXXXX stated I wasnt charged, I have service request about water leaking and mold, I have pictures of water leakage and mold, and I cut service off to the apartment on XX/XX/year>. I also didnt receive my security deposit back when they had a legal obligation to keep that apartment habitable and didnt hold up their agreement.

Company response to consumer: Closed with explanation