vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
I am submitting this complaint regarding UMB XXXX XXXX refusal to make a one-time goodwill correction of a 30-day late payment that was reported to the credit bureaus on an otherwise long-standing, clean account. I have been a UMB customer since approximately 2004 and have maintained an excellent payment history. This late payment was an isolated, honest mistake caused by a breakdown in my statement delivery expectations and account notification safeguards. My account had both paper and digital statements enabled. My understanding was that this provided redundant notification protection. However, I did not receive a usable paper billing statement for the affected cycle, and because I rely on paper statements and do not routinely access digital statements, the payment was unintentionally overlooked. Critically, no delinquency outreach occurred before UMB furnished the late payment to the credit bureaus. I received no phone call, email, text, or other warning that the account had become past due before negative reporting occurred. The moment I became aware of the issue, I immediately brought the account current. There was no ongoing delinquency, no repeated late history, and no intent to avoid payment. Despite explaining that this was a one-time issue caused by failed statement redundancy expectations and the absence of any pre-reporting notification safeguards, UMB refused to make a goodwill correction stating because I had electronic statements in addition to paper, the error with their paper statements was thus irrelevant and they would NOT adjust their report to the credit agencies. This single late payment has materially damaged my credit profile despite over two decades of otherwise positive history with the institution. Requested resolution : I am requesting that UMB perform a one-time goodwill removal of the reported 30-day late payment from all credit bureaus in light of my long customer relationship, immediate cure of the balance, otherwise exceptional history, and the failure of redundant statement expectations and delinquency outreach safeguards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: GA

Complaint narrative:
I am disputing the following accounts as reported by Equifax. These accounts are inaccurately reported, and I request an investigation based on the following details : Charged Off Accounts : XXXX XXXXXXXX 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 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 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 explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
They are holding my money they pulled out and locked me out of my account. I would like to give a verbal statement of my situation it is overwhelming to put in a text

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received multiple payments totaling {$4300.00} from another Venmo user. Within approximately XXXX hours of receiving those funds, I returned the full amount to the exact same Venmo account. I did not retain any of these funds and received no financial benefit from these transactions. After the funds were returned, the original sender initiated a chargeback through their bank. As a result, Venmo assigned a negative balance to my account, holding me responsible for the chargeback amount despite the fact that the funds had already been returned in full. Since then, Venmo has also withdrawn funds from unrelated incoming payments to my account, labeling them as account recovery payments. These include : {$60.00} on XX/XX/XXXX {$22.00} on XX/XX/XXXX {$100.00} on XX/XX/XXXX I contacted Venmo support and provided full details of the transactions. However, support responded with generic policy statements about chargebacks and did not address the fact that the funds were returned to the same account within hours. The chat was closed without resolving the issue or conducting a meaningful review. I dispute the negative balance and the recovery payments, as I did not retain any funds and believe Venmo has failed to properly investigate the transaction chain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account related to an alleged XXXX eviction on my credit reports. I formally requested validation of this debt, including a lease agreement, itemized charges, and proof of their legal authority to collect. To date, XXXX has failed to provide proper validation. Despite this, they continue to report the account to the credit bureaus, which is damaging my credit score and affecting my ability to secure housing. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as they are reporting an unverified and potentially inaccurate debt. I am requesting : Immediate investigation Deletion of the account if it can not be properly validated Correction of any inaccurate reporting This situation is causing financial harm, stress, and interference with my housing opportunities.

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 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CT

Complaint narrative:
To Whom It May Concern : I am formally disputing an unvalidated debt reported to my credit by Jefferson Capital LLC, with XXXX listed as the original creditor. In XX/XX/year>, I discovered this collection account on my credit report. I contacted Jefferson Capital LLC XXXX requesting debt validation no valid explanation was provided either time. I then contacted XXXX by phone ; your representative was unable to validate the debt and directed me to a retail store. At the store, staff were also unable to identify the debt and stated a XXXX XXXX would follow up. I have received no follow-up to date. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), all debts must be validated upon request. This unverified account has directly prevented me from securing housing and obtaining business funding both active, ongoing harms. I formally demand the following : XXXX. Immediate written validation of this alleged debt, including original account number, itemized charges, and dates of service. XXXX. If validation can not be provided within XXXX days, XXXX must instruct Jefferson Capital LLC and all credit bureaus ( XXXX XXXX XXXX ) to permanently remove this account from my credit report. Failure to resolve this matter will result in complaints filed with the CFPB, FTC, and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AK

Complaint narrative:
The company started repeatedly calling me every day about XXXX times a day from different phone numbers. If I blocked XXXX theyd call from another. I have answered and told them to please leave me alone. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: TX

Complaint narrative:
I am providing the requested details below to facilitate your review and the provision of the necessary documentation : The unauthorized transactions were directed to multiple individuals who are unknown to me. XXXX XXXX XXXX Transaction Dates on screen shopts XXXX XXXX XXXX The specific date ( XXXX ) of these unauthorized transactions are available within your records related to my initial dispute, but occurred around the time of my initial report. XXXX XXXX XXXX Transaction Amounts XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX Reason for Dispute XXXX XXXX XXXX The core of my dispute is unauthorized access and transfer of funds. These payments were not initiated or authorized by me. My phone 's security was compromised by a XXXX party at a social gathering. Without my explicit consent, this individual accessed my Cash App account by exploiting the fact that my phone 's password was identical to my Cash App password, and proceeded to send money to their associates. I unequivocally state that I did not authorize these transfers. To further clarify my position, I want to reiterate that this claim falls under the purview of unauthorized access as defined by Regulation E ( 12 CFR 1005.11 ). While my device was physically present, its security was compromised by an unauthorized third party, leading to the fraudulent transfers. Your previous denial, which I understand may have been based on " possession of the device, '' does not adequately address the unauthorized nature of these transactions under consumer protection regulations. I also draw your attention to the XXXX CFPB XXXX XXXX concerning XXXX XXXX XXXX obligations regarding the proper investigation of unauthorized access claims, which I believe is highly relevant to my case. I have been a victim of unauthorized activity and expect the full {$600.00} to be refunded. Should this matter not be resolved satisfactorily, I intend to pursue all available avenues, including filing a police report and lodging a formal complaint with the appropriate regulatory bodies regarding XXXX XXXX XXXX handling of this unauthorized transaction. I look forward to receiving the requested documentation promptly and anticipate a thorough re-evaluation of my claim in light of the information provided and applicable regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank for XXXX has been contacting me after I explained to the representative that the debt in question is not mines. They continue to call my phone but are unable to find an account using my phone number. I don't have an account number to provide. I do not have any credit cards and never had.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
on XX/XX/XXXX I logged into my account to see what was going on as to why my card was not working just to find out that it was closed both my checkings and saving. I was not told as to what would be of my money just that if there were any balances needed to be paid they would take my money out of my account. Further more in XXXX of XXXX they put holds on my deposits when I would deposit a check.

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 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
so my car got totaled XX/XX/XXXX XXXX and my insurance paid XXXX and XXXX paid XXXX my remaining balance on my car loan is XXXX and I dont wan na pay it because I thought XXXX was gon na pay all of it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: CT

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-03-31 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a product from XXXX for {$290.00}. The product was delivered on XX/XX/XXXX. On XX/XX/XXXX, I immediately contacted the merchant after discovering that : - The product was not usable in XXXX ( interface and instructions unclear ) - A required component ( gel or essence/serum ) was missing from the package. On XX/XX/XXXX, the merchant acknowledged that the gel was not included due to a logistical error. On the same day, I confirmed my decision to return the product. Between XX/XX/XXXX and XX/XX/XXXX, I repeatedly requested return instructions. The merchant did not provide a return address or clear return process. Instead, they encouraged me to keep the product and offered a partial refund ( 10 % ). On XX/XX/XXXX, I filed a dispute with Apple Card ( Goldman Sachs Bank ) after the merchant failed to facilitate a return. On XX/XX/XXXX, the merchant responded after a delay, again referencing a return but still not providing actionable return instructions, and requested that I withdraw the dispute. I remained willing to return the product at all times. The dispute was initially denied by Goldman Sachs Bank on the basis that the transaction was part of a subscription or recurring payment. After the dispute was reopened on my request, it was denied again based on the claim that the product was not returned within the merchants timeframe. However, I requested a return within XXXX day of delivery, and the merchant did not provide a way to return the item despite repeated requests. Goldman Sachs Bank failed to conduct a reasonable investigation, as it did not address the merchants admission that the product was incomplete or their failure to provide return instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I notified the company that I was in a current XXXX XXXX, gave my case number along with the attorney information. I believed this debt was included in the XXXX XXXX and the attorney also stated that any communication should be sent to them because of the automatic stay. This company did not send the information to the attorney 's office, instead, it was sent directly to me which is in violation of the automatic stay. The validation information also did not list a complete breakdown of the charges, just the last monthly statement prior to a charge off. There is no information on the account about payments being made nor if/how they were made. It only lists my name as the debtor. All of this information should of been sent to my attorneys office which they already have that info per the letter sent to them. This is NOT the only debt they have purchased that is in my name which seems fishy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
" To Whom It may concern, 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 XXXX XXXX. 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife and I made a trip to XXXX, to view a potential home for purchasing. We drove via XXXX rental car. upon returning home and drop off back to the airport we received a fuel service charge in the sum of {$150.00} for vehicle fuel refill. This was incorrect as we purchased a full tank upon returning at the XXXX XXXX exit XXXX XXXX XXXX '' XXXX mile from the airport. We immediately contacted but kept getting disconnected when asked why we were charged this fee. At which time we contracted 5/3rd. bank XXXX XXXX XXXXXXXX and filled a dispute for this charge. This was in XXXX XXXX. Upon XXXX XXXX statement reporting to the credit bureaus my credit scores across all reporting agencies dropped by XXXX point for each bureau. This was while we were in underwriting. I then placed a call to each of the reporting agencies. XXXX, XXXX and XXXX and each representative advised that I contact XXXX and request that the comment " Customer Disputes Account '' to be removed with an off cycle reporting back to the credit agencies. Spoke with several XXXX XXXX XXXX supervisors and cancelled the dispute in question with hopes that they would remove the comment. again this is while we were in underwriting. Dispute has been cancelled but XXXX indicating the will not and can not do an off cycle report with the comment " Customer Disputes Account '' removed and that I'd now have to wait XXXX XXXX Statement is reported to the XXXX XXXX. The issue I have are XXXX things XXXX the account was still in good standing and representing only a 5 % utiliziation at the time of XXXXXXXX XXXX statement. XXXX had/has not refunded any of the disputed transaction and account was and should have reported in good standing. As of XX/XX/year> my scores are still XXXX below what they were when I went into underwriting and have now come out with purchase of home. But we're unable to obtain credit for instore purchases due to the much lower credit scores to purchase necessary items as washer and dryer, furniture. This has impacted our utilities getting started now with large deposits being required. My request is to have XXXX report my account on an off cycle to my scores can return and my wife and I can secure services a wiht lower interest rates, with request for the utility company 's to return the large deposits that were required to start services,

Company response to consumer: Closed with non-monetary relief