vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Formal Complaint Failure to Properly Investigate Dispute ( Billing Error / Service Not Rendered / Misrepresentation ) To Whom It May Concern, I am filing a formal complaint regarding the handling of my credit card dispute by Capital One. Despite submitting a legitimate dispute concerning a transaction for dental services, Capital One closed my case without providing a fair and complete investigation, and has refused to reopen the dispute. # # # XXXX. Summary of Issue I traveled internationally for dental treatment based on an agreed-upon price and service arrangement. Upon arrival, the provider materially changed the terms by demanding an additional {$5000.00} that was not previously disclosed or agreed upon. I did not authorize this additional charge and refused to proceed with the service under these new conditions. As a result : - No dental service was performed as originally agreed - The provider materially misrepresented the total cost prior to travel - I was effectively denied the service under the original agreement # # # XXXX. Dispute Handling Concern I believe Capital One failed to conduct a reasonable investigation in accordance with the Fair Credit Billing Act ( FCBA ) protections regarding : - Billing errors- Services not rendered as agreed - Unauthorized or materially changed charges The merchant provided documents in support of their position, however these documents do not address the key issue : the agreed-upon service terms were changed after I arrived, and I did not consent to the revised pricing. Capital One has since closed the dispute and refused to reopen the case, despite the existence of unresolved factual disputes and incomplete consideration of the evidence. # # # XXXX. Harm Experienced This situation has caused me significant financial loss, travel disruption, and stress, including additional non-refundable travel and accommodation costs incurred as a result of the providers actions. # # # XXXX. Requested Resolution I respectfully request that CFPB : - Review Capital Ones handling of this dispute - Determine whether the investigation met FCBA requirements- Require Capital One to reopen and re-evaluate the dispute with proper consideration of all evidence - Ensure fair resolution, including reversal of the disputed charges if warranted I am prepared to provide supporting documentation, including communication records, pricing discussions, and transaction details. Thank you for your assistance in this matter. Sincerely, [ Your Full Name ] XXXX XXXX [ Last XXXX digits of card ] XXXX [ Phone Number ] XXXX [ Email Address ] XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am a victim of identity theft and am filing this complaint regarding a fraudulent account being reported on my credit profile. An account associated with CREDIT CONTROL , LLC, showing a balance of approximately {$1000.00} and reported as opened around XX/XX/year>, does not belong to me. I did not open, authorize, or benefit from this account in any way. Upon discovering this, I immediately took action by filing an Identity Theft Report with the Federal Trade Commission, submitting a police report, and disputing the account with the credit reporting agencies. Despite these actions, this fraudulent account continues to be reported, causing damage to my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA XXXX ), I am requesting that this account be immediately blocked and removed from my credit file, and that all reporting related to this fraudulent account cease. I am requesting that CREDIT CONTROL , LLC conduct a full investigation into this matter, provide documentation supporting the alleged account, and confirm its removal from all credit reporting agencies. If this matter is not resolved promptly, I am prepared to pursue further legal action for violations of federal law. I have attached supporting documentation including my FTC Identity Theft Report and police report. I request a timely response and written confirmation of resolution.

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 2026-04-15 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: WI

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 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Complaint Regarding Inaccurate Credit Reporting and Unverified Collection Account To Whom It May Concern, My name is XXXX, and I am submitting this complaint because I am currently dealing with a serious issue involving inaccurate information being reported on my credit file. I am in the process of preparing to apply for a mortgage, and I have been working hard to make sure my credit is in good standing. Unfortunately, I have come across a collection account that I do not believe belongs to me, and it is negatively affecting my ability to move forward. The account in question is listed as FABCO with a balance of {$6200.00}. I do not recognize this debt, I do not recall ever entering into any agreement with this company, and I was never properly notified about this account before it appeared on my credit report. This situation has caused me a great deal of stress because I am trying to take the right steps financially, but I feel like I am being held back by an account that I do not believe is mine. I have already requested verification of this debt, but I am concerned that it continues to be reported without proper validation. I am formally requesting that this account be fully investigated. I am asking for complete documentation, including the original creditor, any signed agreement, and clear proof that this debt legally belongs to me. If this information can not be provided, I am requesting that the account be removed from my credit report immediately. In addition to this collection account, I have also noticed other potentially inaccurate information on my credit report, including closed accounts and hard inquiries that I do not clearly recognize or recall authorizing. I am requesting that all of these items be reviewed for accuracy and removed if they can not be verified. I want to make it clear that I am not avoiding responsibility for legitimate debts. I am simply asking for fairness and accuracy. I believe my rights under the Fair Credit Reporting Act may be at risk if unverified information continues to be reported. My goal is to resolve this issue as quickly as possible so I can move forward with purchasing a home. I am asking for your assistance in ensuring that my credit report is accurate and that any unverified or incorrect information is removed. Thank you for your time and for helping protect consumers like myself. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX Portfolio Recovery * * Subject : Cease and Desist Communication * * Dear Sir or Madam, I am writing to request that you cease all communication with me regarding the alleged debt referenced in your records. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you stop contacting me immediately. This includes, but is not limited to, phone calls, letters, emails, and any other form of communication. If you choose to pursue further action, you may only contact me to inform me of specific legal remedies being taken. Please be advised that any further communication beyond what is legally permitted will be documented and may be reported to the appropriate authorities. Thank you for your cooperation. Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
In XXXX of XXXX I opened an Affirm account and utilized the account between XXXX until XX/XX/XXXX where I paid in full the remaining balance on the account. On XX/XX/XXXX I contacted Affirm at XXXX and spoke to a gentleman who said my account was not eligible for closure. I asked to speak with someone who could explain this to me but was only told that they would escalate the request to the next team. According to Affirms term of use in order to close my account I need to be paid in full and have no transactions in the last XXXX days. I paid the account in full in XXXX of XXXX and have had no further transactions with my Affirm account since. I was told I would have correspondence in email or phone call to have my account closed but have not received anything since XX/XX/XXXX. On XX/XX/XXXX I again contacted Affirm on the listed phone number above and was told that my account was not eligible for closure and that my concern was escalated to the account closure team. I requested to speak to someone that could explain to me why I was not able to close my account. I was not connected with anyone and have not heard anything back from Affirm. The gentleman I talked to said I needed to close my affirm card. I received an affirm card in the mail back in XXXX but never activated it. The gentleman assisted me in closing the card and said my affirm account would be closed by XX/XX/XXXX. On XX/XX/XXXX I checked my Affirm account and it still shows open. I called Affirm again and spoke to a nice young lady who again said my account was not eligible for closure. She was unable to explain to me why nor was she able to connect me with anyone who could explain the reason my account is not eligible for closure. I asked her several times to speak to someone that could assist me in closing my account or explain the issue. she was not able to facilitate that request. She checked my account again and said my Affirm card was still opened and it needed to be closed. I explained to her that the gentleman I spoke with on XX/XX/XXXX said he closed the card. The young lady I spoke with assisted in requesting for my card to be closed and received an email that my card closure is currently pending. The young lady said that she is still unable to close my account fully and is either unable or unwilling to connect me with anyone who can facilitate my request to close my account. Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: FL

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 2026-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
I received XXXX XXXX ( XXXX ) from XXXX XXXX on XX/XX/year>. I did not have the XXXX for a full year before issues began. Prior to arriving at my XXXX XXXX XXXX as an XXXX XXXX XXXX in the XXXX XXXX , I attempted to schedule an appointment to have my XXXX reinstalled. At the last minute, I was told I would need to reschedule, but the available appointment times did not align with my XXXX XXXX schedule and required relocation. Since XX/XX/year>, I have not received any XXXX services and have not stepped foot in XXXX XXXX. Despite this, I am still being billed for XXXX XXXX and/or appliances that I no longer have in my possession. As an XXXX XXXX member, my ability to maintain scheduled civilian appointments was directly impacted by XXXX XXXX XXXX and relocation. I also believe my situation may involve protections under the Servicemembers Civil Relief Act ( SCRA ), as I have been charged and pursued for payments during and after a XXXX XXXX and inability to access services. I only recall signing one paper agreement and have asked multiple times for said agreements which I still have not received. However, the finance agreement shown in the HFD portal appears incomplete while still displaying my electronic signature, which I do not understand and know for a fact I did not sign because for one that's very incompetent for them to allow especially regarding payments they are asking for and require and do not believe it reflects a fully completed or properly documented agreement. Additionally, my mother made an initial payment of {$1000.00} using her XXXX card at the start of the payment arrangement. This payment is not properly documented in my account records. I previously contacted HFD customer service, and they placed my account on hold while attempting to contact XXXX XXXX. I was informed that any adjustment or continuation of payments was at XXXX XXXX discretion. My account was temporarily paused, but I later received an email stating that XXXX XXXX declined further resolution, and billing resumed. At this point, I am being charged for orthodontic services and appliances I do not currently have, and I have not received treatment since XX/XX/year>. I am requesting a full review of my account, verification of all signed agreements and payments, and correction or removal of any inaccurate or unsupported charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App. We had a problem with misreputational funds or there was nobody to talk to that. You can get your money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: MA

Complaint narrative:
COMPANY NAME : Exeter Finance LLC PRODUCT TYPE : Vehicle loan WHAT HAPPENED : I am a XXXX resident with an auto loan through Exeter Finance LLC, account number XXXX. UNAUTHORIZED THIRD PARTY WITHDRAWALS : I never signed any agreement authorizing a third party processor called XXXX to access my bank account. My authorization was granted solely to Exeter Finance LLC. However, throughout my loan my bank records show funds being withdrawn under the name " XXXX Exeter Finance Pmt '' a company I never authorized. Every XXXX of these transactions is potentially unauthorized under the Electronic Fund Transfer Act and Regulation E. MULTIPLE SIMULTANEOUS WITHDRAWAL ATTEMPTS : My bank records show that on XX/XX/XXXX and other dates, Exeter Finance LLC made XXXX consecutive withdrawal attempts within the same minute for the same amount, all declined. This pattern far exceeds XXXX ACH rules on retry attempts, caused my account to go negative, and triggered declined transactions on other legitimate payments causing direct financial harm. XXXX ENTITIES ATTEMPTING SIMULTANEOUS WITHDRAWAL : On multiple dates both " XXXX Exeter Finance Pmt '' and " Exeter Finance LLC '' attempted to pull the same payment amount on the same date, meaning XXXX separate entities were attempting to collect the same debt simultaneously from my account. IMPROPER POST-REINSTATEMENT FEES : Following a repossession in XX/XX/year>, I paid the full verbal reinstatement amount. No written disclosure was provided before payment per M.G.L. Chapter 255B. Exeter then added towing and repo fees after the fact, creating instant delinquency the day I paid. PATTERN OF CONDUCT : This has happened more than once. A supervisor previously removed fees acknowledging they were improperly charged. The conduct repeated. CREDIT DAMAGE : Exeter has reported negative marks based on delinquencies caused entirely by their own improper conduct, materially damaging my credit score. HARASSMENT : I have been subjected to repeated harassing calls regarding a balance I dispute as inaccurate. I am requesting full investigation of all XXXX transactions, Exeter 's ACH retry practices, post-reinstatement fee practices, and credit reporting accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MN

Complaint narrative:
Heres a strong, CFPB-ready complaint description you can paste directly into that What happened? box based on your XXXX XXXX account : Complaint Description : I am filing this complaint against XXXX XXXX regarding inaccurate and misleading reporting on my credit profile. This account was opened on XX/XX/XXXX, and is currently closed with a {$0.00} balance and reflects an overall on-time payment status. However, the account is still reporting XXXX late payments ( XXXX and XXXX days late in XXXX ), which is damaging my credit profile despite the account being paid and closed in good standing. I dispute the accuracy, completeness, and fairness of this reporting under the Fair Credit Reporting Act ( FCRA ). The late payments being reported are either : Inaccurate, OR Not properly verified with documentation, OR Being reported in a misleading manner given the current positive status of the account. I have made a good-faith effort to maintain my credit, and this negative reporting is causing significant harm to my ability to obtain credit, including auto loans and credit cards. I requested that Self Financial provide proper verification of these late payments, including : Method of verification Original payment records Full account history documentation To date, I have not received sufficient proof that meets FCRA standards for accuracy and completeness. What I want the company to do : I am requesting that Self Financial : 1. Immediately delete the inaccurate late payment history from all credit reporting agencies, OR 2. Provide full and complete documentation verifying the accuracy of the late payments in compliance with the FCRA If they are unable to properly verify this information, it must be removed immediately. Additional Notes : This account is closed, has a {$0.00} balance, and should not continue to negatively impact my credit profile based on unverified or outdated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Theres a banner within the Cash App for a promotion of XXXX XXXX. And I clicked into the Terms & Condition before participating the promotion to make sure I followed the promotion instructions. I made a bitcoin purchase for the {$15.00} bitcoin credit offer according to the instructions, but did not received the {$15.00} worth of the bitcoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am submitting this complaint as a victim of identity theft and fraudulent reporting. My consumer report contains multiple unauthorized bank accounts, inquiries, and addresses that I did not initiate, approve, or have any connection to. Despite my efforts to review my records, I have confirmed that this information is inaccurate and the result of identity theft. These errors are causing significant harm to my financial standing and must be corrected immediately. The following addresses are fraudulent and must be removed : 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 The following inquiries are also unauthorized and must be deleted : 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 Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and deletion of all fraudulent data. These items are inaccurate, unverifiable, and the result of identity theft. I am requesting that ChexSystems and all associated reporting agencies : 1. Block and remove all fraudulent accounts 2. Delete all unauthorized inquiries 3. Remove all incorrect addresses 4. Provide me with an updated and corrected report Failure to correct this information promptly will result in further escalation of my complaint. I certify that this complaint is true and accurate and submitted in good faith as a victim of identity theft.

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