vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). XXXX. A full file disclosure. XXXX. An itemized statement breaking down the balance you claim I owe. XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am writing to formally dispute the following information on my credit report. XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX These creditors have violated my rights under the fair Credit Billing Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) as follows : 1. Violation of 15 U.S.C. 1681bUnder section 602, I have a statutory right to privacy regarding my consumer information. XXXX. Unauthorized Disclosure ( 15 U.S.C. 1681b ) : Under Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing a consumer report unless it is in accordance with the written instruction or consent for this account to be furnished or reported. XXXX. Improper Late Fee/Reporting ( 15 U.S.C. 1666b ) : Pursuant to the Fair Credit Billing Act, Section 163 ( a ) ), a creditor may not treat a payment as late for any purpose-including reporting to the credit bureaus-unless the creditor has adopted reasonable procedures designed to ensure that the billing statement was mailed or delivered to the consumer at least 21 days before the payment due date. 4. Violation of 15 U.S.C. 1681b, Following the security breach this information was furnished without permissible purpose or my written instruction, violating section 604, Any data resulting from a breach of your security protocols fails the reasonable procedures requirement under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am seeking the following resolution based on violations of federal consumer protection laws : Portfolio Recovery Associates continued to contact me after I requested that communication cease, in violation of 15 U.S.C. 1692c ( c ). Additionally, they left a deceptive voicemail that falsely mimics a live interaction, which constitutes misleading and deceptive conduct under 15 U.S.C. 1692e, and harassment under 15 U.S.C. 1692d. This conduct may also violate federal telecommunication laws governing the use of automated dialing systems without proper consent. As a result of these violations, I am requesting : Immediate cessation of all communication Deletion of this account from all credit reporting agencies Written confirmation the account will not be sold, transferred, or re-reported Monetary compensation in the amount of {$3000.00} for statutory violations and damages A full investigation into these practices and appropriate corrective action This request is made in good faith to resolve this matter without further escalation. I reserve all rights to pursue additional remedies available under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX services account number XXXX does not belong to I have never done business with this company.

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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am submitting this formal complaint against Capital One regarding its failure to adequately protect my sensitive personal and financial information, resulting in exposure from a data breach. As a consumer, I entrusted Capital One with highly confidential information, including personally identifiable and financial data. As widely reported, the XXXX Capital One data breach exposed the personal information of over XXXX XXXX individuals. The information compromised included names, addresses, Social Security numbers, financial data, and other sensitive details. This breach demonstrates significant deficiencies in Capital Ones data security practices. As a direct result of this breach, I have been exposed to : - Loss of privacy and control over my personal information - Emotional distress and anxiety regarding misuse of my data- Ongoing need to monitor and protect my credit and financial accounts Capital Ones failure to safeguard consumer data may constitute negligence and violations of applicable consumer protection and data security laws. I respectfully request the following : - A full investigation into Capital Ones data security practices and failures - Accountability for the breach and its impact on consumers - Appropriate compensation for damages suffered - Implementation of stronger safeguards to prevent future breaches Financial institutions must be held to the highest standards when handling sensitive consumer data. The failure to do so undermines public trust and places consumers at significant risk. I request a formal response regarding this complaint and the actions that will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/year>, I secured a refinance loan with XXXX XXXX XXXX XXXX for {$57000.00} to settle my auto loan with Bank of America. On XX/XX/year>, at XXXX PM, I attempted to pay the loan in full at the Bank of America XXXX in XXXX, UT. Despite providing the loan application number ( XXXX ), XXXX ( XXXX ), and the purchase agreement, the bank refused to accept my certified funds, claiming the account was not " finalized. '' Branch banker XXXX XXXX attempted to facilitate the payoff via customer service but was told no action could be taken for up to XXXX business days. At XXXX PM on XX/XX/XXXX, I called Bank of America 's application department to request a formal note be placed on my file documenting my attempt to pay and my request to backdate interest to this date. I was assured this note was made. On XX/XX/year>, the account ( XXXX ) appeared in my portalcontradicting the XXXX timeline previously provided. I returned to the branch at XXXX PM to finalize the payoff. During this visit, XXXX XXXX and I spoke with XXXX, a Customer Service Team XXXX for Auto Loans, at XXXX PM. XXXX explicitly stated to both myself and the branch banker that Bank of America " does not backdate interest, '' effectively forcing me to accrue interest at {$11.00} per day while the bank simultaneously blocked my ability to settle the debt. I have now paid the balance in full.

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 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO Bank N.A . froze my account and cut off access to my deposited funds beginning approximately XX/XX/XXXX. The freeze lasted approximately XXXX years. During this time I was unable to access my own money for medical care, housing, or basic living expenses. I am a XXXX individual with documented medical conditions including XXXX, XXXX, XXXX, and severe XXXX XXXX When I visited a BMO branch in person to resolve the frozen account, the branch XXXX directed a security guard to unlatch and brandish a firearm at me. I am XXXX. There was no threat and no justification for this action. At a separate BMO branch in another state, days later, BMO issued checks on my account using a fabricated account holder name. The name printed on these checks does not match my actual account name as documented in BMO 's own original account opening paperwork. BMO appears to have cherry-picked information from public records tied to individuals I have no legal or financial relationship with and used that fabricated information to print checks. If a consumer issued checks with false account information, it would constitute a felony. BMO did this to me. I have contacted BMO 's XXXX XXXX and XXXX XXXX. I received a form letter from a XXXX XXXX XXXX on XX/XX/XXXX, stating my concerns were being " escalated. '' This is the same form letter and the same deflection process BMO used previously when I raised these issues during active medical crisis. No substantive response or resolution has ever been provided. I am currently in XXXX seeking medical care I can not afford because BMO is holding my funds. My medical condition has deteriorated directly as a result of being cut off from my own money. I am requesting full restitution of all frozen funds, written acknowledgment of the fraudulent checks, and documentation of the armed security incident.

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 2026-04-07 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: UT

Complaint narrative:
My loan was transferred over I believe around 2020. The majority of the time its been on forbearance with miscalculations from the SAVE program lack of people to talk to lack of guidance when I did receive guidance it was dont pay your loans until its out of forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 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: IL

Complaint narrative:
On XX/XX/year>, I accidentally sent {$660.00} in XXXX ( a stablecoin pegged XXXX to the XXXX dollar ) on the XXXX XXXX to a cryptocurrency wallet address controlled by PayPal , Inc . The receiving wallet address is XXXX. The transaction was successful and the funds are confirmed on the public blockchain. Transaction hash : XXXX XXXX link : XXXX : XXXX PayPal holds the XXXX keys to this wallet and has full technical capability to return these funds. The {$660.00} remains in their custody with no legitimate basis to retain it. On XX/XX/year>, I called PayPal at XXXX and spoke with a XXXX named XXXX, who opened XXXX XXXX XXXX. He said I would hear back from their back-end department with a date for the return. No timeline was given and no funds have been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This collection was reported wrong they said it was a collection from capital XXXX and it was not from capital XXXX it was XXXX bank and the amount was wrong it should only be XXXX. Delete account immediately for not ensuring maximum possible accuracy According to 15 USC 1681 ( e ) b, from all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I've been asking for this company to remove me from this check system that they have me on, since my identity was stolen years ago, and the problem was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am writing in response to a notice I received regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I do not acknowledge this debt and request that you provide the following information : XXXX. The amount of the debt, including any fees, interest, or additional charges. XXXX. The name and address of the original creditor. XXXX. Copies of any documentation showing that I agreed to this debt. XXXX. Verification that you are authorized to collect this debt on behalf of the creditor. XXXX. A complete payment history, including any payments made and how they were applied. Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me, except to provide the requested information. If you are unable to validate this debt, please confirm in writing that the account has been closed and that no further collection efforts will be made. Additionally, if this debt has been reported to any credit reporting agencies, I request that it be marked as disputed until validation is provided. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I have previously attempted to communicate with the company and have not gotten anywhere but denied. I pulled out a buy now pay later loan to purchase a 3 month treatment plan with XXXX XXXX. The company XXXX was to send me a XXXX supply of an injection back on XX/XX/XXXX. According to the tracking, the package was delivered but it was not recvd. I have checked with neighbors and waited additional time for the package to arrive. I have contacted UPS whom advised me to go back to XXXX XXXX which I did and they will no longer answer me. The statement on their website states that they will issue replacements for lost and/or damaged products. I have attempted to work this out with them and now they are no longer responding. Affirm will not assist in crediting my account simply because the tracking shows delivered. I expressed that a package to this value should have been sent with a signature request and it wasnt. I have had issues in the past of XXXX stating packages were delivered and they in fact were delivered to neighbors or never delivered at all. I have exhausted all my efforts in trying to resolve this and get my order sent properly so that I can pay for something I ACTUALLY receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: NC

Complaint narrative:
I am filing this complaint due to inconsistent and escalating repayment demands following the transfer of my loan from XXXX XXXX to SN Servicing on XX/XX/XXXX. After the servicing transfer, I notified SN Servicing of a previously approved repayment plan. SN Servicing initially indicated they did not receive the repayment plan and requested I provide a copy. After I provided the documentation in XXXX, SN Servicing acknowledged receipt and indicated they would honor the repayment terms. However, repayment requirements have continued to change. On XX/XX/XXXX, I was asked to confirm a repayment plan of {$4300.00} per month beginning in XXXX. On XX/XX/XXXX, I was advised that XXXX payments totaling {$7900.00} would be required upfront. In later communications, I was asked what I could reasonably provide. I proposed XXXX payments upfront followed by restarting the repayment plan. I did not receive a response to that proposal. Most recently, on XX/XX/XXXX, I was informed that {$11000.00} would be required by XX/XX/XXXX, followed by a six-month repayment plan. These escalating demands, along with inconsistent communication, make it difficult to reach a reasonable and sustainable resolution. Additionally, a substantial payment of {$5400.00} was made in XXXX prior to the servicing transfer, which demonstrates good-faith effort to bring the account current and should be considered in evaluating repayment options. I remain willing and able to bring the account current and am seeking fair and consistent repayment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Me and my significant other have been struggling so I bought her a prepaid phone, she didnt have a working bank so we deposited the check in to my chase bank, they then put a hold on it till the XXXX of XXXX which was XXXX weeks away, then the XXXX was coming up and they restricted my account and wouldnt let me access any money from my account even aside from the check, we then were told without a working phone number they could not verify the XXXX party aka my girlfriends identity, so we got a working phone number in her name and they still tell us they cant call it to verify her identity, we are going without money for almost a month now and nothing we do is working they are just making us run in circles and wont give us our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 non-monetary relief