vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Subject : PROBLEM WITH A FINANCIAL PRODUCT OR SERVICE BILL PAY / UNAUTHORIZED TRANSACTIONS Summary : I am filing a complaint regarding an unauthorized payment processed through Navy Federal Credit Unions XXXX XXXX XXXX, along with inadequate support and resolution from their representatives, and the lack of reimbursement from XXXX for the duplicate payment. Timeline of Events : XXXX. XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I attempted to process a one-time XXXX XXXX payment of {$120.00}. XXXX Initially, I entered {$120.00} by mistake but closed the screen before finalizing. XXXX I re-entered the correct amount {$120.00} and received confirmation XXXX, scheduled for XX/XX/year>. 2. XX/XX/scrub> XXXX XXXX XXXX XXXX Upon reviewing my transactions, I noticed XXXX payments appeared : the finalized {$120.00} payment and the unfinalized {$120.00} payment. * I immediately contacted Navy Federal to stop the unfinalized payment. Customer Service Failures : Navy Federal representatives were unprofessional and unhelpful : * One representative placed me on hold for over 24 minutes without explanation. * Supervisor XXXX stated that nothing could be done and suggested I contact XXXX directly, despite the payment being processed in error through Navy Federal XXXX XXXX. * I was advised I could close my accounts if dissatisfied. Branch-Level Resolution : At XXXX XXXX , two representatives helped resolve the issue quickly. Despite their assistance, the {$120.00} unauthorized payment had not been returned to my account. XXXX Involvement : I contacted XXXX for a refund of the unauthorized payment. XXXX provided no effective solution and directed me to request a refund online, which historically does not result in reimbursement. Health and Hardship Considerations : During this time, I was XXXX due to XXXX XXXX XXXX XXXX limiting my ability to manage payments and increasing the impact of this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
I am filing a complaint regarding a debt settlement that has not been properly documented or processed. On XX/XX/year>, I paid {$3600.00} to settle my account with Roosen Varchetti & Olivier PLLC. I was clearly told that this payment would settle the account in full. It has now been over 3 weeks, and : I have not received any written confirmation that the account is settled My account still reflects a remaining balance I have called multiple times and sent emails requesting documentation Each time I contact them, I am told the account is settled but under review or being sent to the court, yet no proof has been provided. This is extremely concerning, as I have fulfilled my obligation and they are failing to provide documentation or update the account status. I am requesting : 1. Written confirmation that the account is settled in full 2. An updated statement showing a {$0.00} balance 3. Confirmation that this account will be properly reported to all credit bureaus I believe this may constitute deceptive or unfair practices, as I was instructed to make a settlement payment but have not received proper documentation or account updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint against Discover Bank regarding a Regulation XXXX debit card dispute that was improperly denied. On XX/XX/XXXX, I was charged {$2200.00} by dental provider XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX, TX ) on my Discover debit card ending in XXXX for anticipated dental services for myself and my spouse, pending insurance processing. After XXXX finalized all claims on XX/XX/XXXX, the actual patient responsibility was determined to be {$1400.00} total significantly less than what was collected upfront. I obtained the provider 's own account ledger, which confirms total charges of {$3900.00} against total payments collected of {$4700.00}, resulting in a credit balance of ( {$790.00} ) owed back to me. The provider refused to refund this overpayment to my original payment method. I filed a Regulation XXXX dispute with Discover Bank. Discover ultimately denied my dispute, claiming the merchant had provided documentation supporting their position. However, Discover never communicated to me what documentation the merchant provided. I was given no opportunity to review it, respond to it, or challenge it in any way. Discover resolved the dispute entirely on the merchant 's terms without affording me any meaningful participation in the investigation. This is a significant procedural failure. My documentation including XXXX XXXX Explanation of Benefits statements bearing specific claim numbers, and the provider 's own ledger showing a negative balance directly establishes the overpayment. None of this evidence was addressed or rebutted in Discover XXXX denial. On XX/XX/XXXX, I reasserted the dispute with Discover and provided supporting documentation again. I am requesting that the CFPB investigate whether Discover conducted a reasonable investigation as required under Regulation XXXX ( XXXX CFR Part XXXX ) and the Electronic Fund Transfer Act, and whether their failure to disclose the merchant 's evidence and provide me an opportunity to respond constitutes an unfair or inadequate dispute resolution process. Requested resolution : A full provisional credit and/or credit of {$790.00} to my account, and a thorough reinvestigation of this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I am disputing a debt being reported on my XXXX credit report by Aldous & Associates in the amount of {$4100.00}. This debt is being inaccurately reported as unpaid. During my tenancy at the property, I paid the amount I owed directly to the landlord due to delays in rental assistance processing through the XXXX program. Afterward, the XXXX program also issued rental assistance payment to the landlord for the same obligation. Despite this, the account was later transferred to Aldous & Associates and is now being reported as a delinquent and unpaid debt on my credit report. I have made multiple attempts to dispute this reporting with XXXX and submitted documentation, including bank statements showing proof of payment. However, XXXX has continued to report the account as verified without providing documentation showing that I still owe a balance. I have also attempted to resolve this issue through the credit reporting dispute process, but the inaccurate reporting remains on my credit file. I am requesting correction of this account, as the debt has already been satisfied and should not be reported as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I accepted a balance transfer offer from Citibank and transferred almost $ XXXX from my robinhood credit card to Citibank. After a while I realized XXXX never credit my account and when I contacted them they said they have no record of the check sent by Citibank. I got the address from Citi of where they sent the check and a copy of the check. I sent this to XXXX. XXXX responded saying the endorsement on the back of the check is NOT their bank or account number. They provided me with their correct payment address which was different. I contacted Citibank 3 times and relayed this information to them and each time I get a standard letter back from them saying the payment was sent to XXXX and they enclose a copy of the cancelled check. They continue to ignore the information that XXXX XXXX did not receive the payment and that they sent to the wrong address. The endorsement on the back of the check is NOT XXXX bank or account number.

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 2026-04-14 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: TX

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I owe Acima Leasing about {$750.00} since 2 years ago. Now im getting constant calls from phone number ( XXXX ) XXXX. They call me and my family members about me saying they are coming to find me. In the voicemail they leave a claim # and a different call back number. They said they are a 3rd party debt collector called " XXXX '' but will not send me any type of mailing collection letter. They are rude and extremely aggressive, threatening to take me to court unless i pay over the phone. They know my address as well as my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
went i go to pendfed to open check acount pendfed inform i have fraud in my XXXX record I dont having any problems of fraud

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I would like a copy of verification of debt and the method that was used to obtain this information

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
RBFCU charged an unnecessary 'Force Placed XXXX XXXX XXXX of {$140.00} and will not close out the loan, even though the car was sold to XXXX and paid off. 1. Saturday, XX/XX/XXXX XXXX : Sold car to XXXX. XXXX took possession of the vehicle. 2. Monday, XX/XX/XXXX XXXX XXXX : Called RBFCU XXXX Department to notify them that the car was sold and to remove XXXX charge, as I no longer own the vehicle. The representative stated it would be taken care of. 3. Monday, XX/XX/XXXX XXXX : Charged {$140.00} for 'Force Placed XXXX XXXX. ' 4. Wednesday, XX/XX/XXXX : XXXX paid off the loan with a 10-day payoff, including a regular payment of {$560.00} and a principal payment of {$20000.00}. 5. Friday, XX/XX/XXXX XXXX XXXX : Called XXXX Department and was told the loan transfer was completed and everything was taken care of. There was no mention of the {$140.00} XXXX charge being an issue. 6. Friday, XX/XX/XXXX XXXX XXXX : Loan still not closed or fully processed. Call lasted 1 hour and 15 minutes and involved being transferred 34 times. Initially contacted XXXX ; the representative seemed unclear. Transferred to XXXX XXXX, then to XXXX XXXX, and finally back to XXXX. XXXX advised the loan remained open due to the {$140.00} charge. They requested a refund, which may be partial even though the loan was paid off two days later. I was advised it would take an additional 57 days to process the refund. Nearly one month has passed since the vehicle was sold, and the loan still has not been fully processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates and their associated law firm, XXXX XXXX XXXX, regarding improper debt collection and inaccurate credit reporting. Portfolio Recovery Associates, through XXXX XXXX XXXX, filed a lawsuit against me regarding this alleged debt. The case was ultimately dismissed. Despite pursuing legal action, they failed to provide any documentation sufficient to validate the debt before, during, or after the lawsuit. I sent a certified debt validation request, which was received, yet I never received any response or validation. Despite this, they continue to report the account and attempt to collect. This account is also being reported inconsistently across credit bureaus. One bureau reports the account as closed with a {$0.00} balance and indicates it was paid or settled, while another bureau reports an active collection account with a balance of {$1000.00}. I have not paid or settled this debt. Additionally, the account appears to have been re-aged, as it is listed as opened in 2023 despite the underlying debt and prior legal action occurring before that date. This raises serious concerns about the accuracy of the reported date of first delinquency. Attempting to collect a balance while simultaneously reporting the account as paid on another bureau, and continuing collection activity after failing to validate the debt, constitutes false, deceptive, and misleading practices under the Fair Debt Collection Practices Act ( FDCPA ), as well as inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). At this point, the account is clearly inaccurate, inconsistent, and unverifiable. They had the opportunity to validate and prove their claim in court and failed to do so. I am requesting immediate deletion of this account from all credit reporting agencies. I also request full documentation verifying the debt, including proof of ownership, chain of assignment, and the original date of first delinquency. If this matter is not resolved, I will pursue additional complaints and legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had opened a BMO account on XX/XX/XXXX and had my direct deposit linked to the account. I received my first direct deposit on XX/XX/XXXX and i was able to use my account normally. This past Friday on XX/XX/XXXX i received a direct deposit from my employer and withdrew {$700.00} in which i still have my receipt for. They ended up closing the account with about {$400.00} in checking and {$50.00} in savings. I called BMO fraud and they said someone opened an account in my name in XXXX, which i had no idea about. Fast forward to Saturday i spoke with someone in the fraud department again and they said a check would be sent out with the remaining funds. I call again on XX/XX/XXXX and they said there wasnt any transactions made or deposits. They didnt see the withdrawal i made even though i told them i had a withdrawal receipt. They said its no check being sent out and my funds are lost. I have pay stubs as well. Im unable to get into the account and get statements because its locked

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 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my credit report and found several accounts and entries that are inaccurate, incomplete, or unverifiable. I previously disputed these items and requested verification ; however, the credit reporting agency continues to report the information without providing proper validation or documentation. The inaccurate reporting is negatively impacting my credit profile and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to ensure maximum possible accuracy and conduct a reasonable investigation. These obligations have not been met.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Subject : Urgent Complaint Closed Account and Withheld Funds ( {$3000.00} ) I am filing a formal complaint against Credit Karma regarding the closure of my Credit Karma Spend account and the failure to return my funds. My account was closed on XX/XX/XXXX, and at the time of closure, there was a balance of {$3000.00}. Since then, I have not received my money, nor have I been given a clear explanation or timeline for when my funds will be returned. I have made multiple attempts to resolve this issue through customer support but have not received a satisfactory response. This delay in returning my funds is unacceptable and has caused financial hardship. These funds belong to me, and I expect them to be returned promptly. Details : - Account Type : Credit Karma Spend Account - Date Account Closed : XX/XX/XXXX - Amount Owed : {$3000.00} - Attempts to Resolve : Contacted customer support multiple times with no resolution Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
This debt collector had done unjustfiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5 step validation procedure. According to the FDCPA I'm entitled to compensation for these violations and clearly they violated my rights and abused my privileges. I demand this account be taken off immediately. Account Name : CAINE & WEINER Amount Shown : {$240.00}

Company response to consumer: Closed with explanation