vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 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: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that YOU, the credit reporting agency to immediately block and permanently remove the fraudulent accounts that was added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint [ XXXX ] ), along with PROOF that I was impacted by Data Breach. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law XXXX result in further legal action to protect my consumer rights. This fraudulent, inaccurate, and false information consists of Accounts : ( XXXX XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ), ( XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, ACCT : XXXX, OPENED : XX/XX/XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
Subject : Formal Notice of Violations and Demand for Correction Credence Resource Management has violated my rights under federal law. Under Fair Credit Reporting Act 602, I have a right to privacy and fair treatment in how my credit information is collected and reported. Under 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with my written instructions or under a permissible purpose clearly defined by law. No such written authorization was provided by me. Additionally, under Fair Credit Billing Act 1666 ( b ), a creditor may not treat a payment as late or misrepresent account status while a dispute is under review. Furthermore, your actions appear to violate the Fair Debt Collection Practices Act, specifically : 1692e, which prohibits false, deceptive, or misleading representations 1692f, which prohibits unfair or unconscionable means to collect a debt You were previously notified of this disputed debt. Instead of responding appropriately, you proceeded to access and report information to my credit file. This reflects willful noncompliance and suggests intent to harm my ability to obtain future credit. Under 611 of the FCRA, I have the right to dispute inaccurate or unverified information, and under 623, furnishers of information are required to provide accurate and complete data. Failure to properly investigate and correct disputed information is a direct violation of federal law. Your actions constitute unlawful reporting and improper use of my consumer information. Demand : Immediate removal of this account from all credit reporting agencies Written confirmation of deletion Documentation of your permissible purpose for accessing my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Im filing this complaint because LVNV Funding is reporting a collection account on my credit report that I havent been able to verify. Ive already disputed this account and asked for proof that the debt is real and belongs to me, but I havent received anything that actually shows that. I havent been given : * Proof that I owe this debt * A clear breakdown of the amount * Any documents tied to my name ( like an agreement or account records ) On top of that, the account is being reported with a status that says XXXX, which doesnt make any sense. I have no idea what that means, and it makes it impossible to understand whats actually being reported. Because of this : * I cant confirm if the debt is even valid * I cant verify the details being reported * The whole account feels unclear and unsupported Ive tried to resolve this already, but nothing meaningful has been provided. It seems like the account is just being reported without real proof behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
* * Complaint against Chase Bank Unauthorized Chip Transaction Denied * * I am filing a complaint regarding Chase Banks handling of a fraudulent transaction dispute that has been repeatedly denied without a proper investigation. On XX/XX/XXXX, an unauthorized transaction occurred at XXXX using my debit/credit card as a chip transaction. I immediately reported this as fraud because I did not make this purchase and did not have possession of my card at the time. At the time of the transaction, I was physically at work. I have proof of this through my work schedule and can provide employer verification confirming I was present at work during the exact time the transaction occurred. Despite this, Chase denied my claim, stating that because the chip was used, the transaction was valid. This conclusion is unreasonable. A chip transaction only proves that the card was physically presentit does not prove that I authorized or conducted the transaction. My evidence clearly shows I could not have been at the XXXX location at that time. I have attempted to resolve this issue multiple times by phone. My claim has been reopened several times, and I have experienced repeated call disconnections when trying to get clarification or escalate the issue. Chase has failed to provide a clear explanation of : * Whether a PIN was used * Whether a signature was captured * What specific evidence proves I conducted this transaction Chase has failed to conduct a reasonable investigation as required under federal law ( Regulation E for electronic fund transfers, if applicable ) and has not properly considered the evidence I submitted. I am requesting that Chase Bank : 1. Reopen and properly investigate this claim 2. Provide detailed evidence supporting their decision 3. Refund the unauthorized transaction amount 4. Address the repeated call disconnections and poor customer service I am willing to provide any additional documentation needed, including employer verification of my presence at work during the time of the transaction. This was an unauthorized use of my card, and I expect a fair and thorough investigation. Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
My Cash App account XXXX XXXXXXXX that was under my email XXXX is being use by someone else and I ask the serval times to close my account down because Im victim of identity theft and they let some one open my account back up an using it with some name XXXX XXXX that didnt even authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management placed a {$6100.00} collection tradeline on my credit reports ( XXXX XXXX, acct XXXX ) without ever sending an initial written notice or validation rights disclosure as required by 15 U.S.C. 1692g ( a ). I sent a Cease and Desist and validation demand via XXXX XXXX Mail, delivered XX/XX/XXXX ( green card confirmed ). XXXX then updated and re-reported this tradeline to Experian and Equifax on XX/XX/XXXX, XXXX, and XXXX, XXXX -- XXXX documented post-C & D furnishing events with no validation provided, violating XXXX ( b ) and XXXX ( c ). On XX/XX/XXXX XXXX sent an inadequate validation response containing only XXXX XXXX account statements and a misdirected assignment letter -- no master purchase agreement, no bill of sale, no chain of title, no itemized accounting. XXXX 's own letter reveals the original XXXX XXXXXXXX open date was XX/XX/XXXX, yet XXXX reports a fabricated Date Opened of XX/XX/XXXX on all three bureaus. XXXX also failed to provide written assignment notice within 30 days under Florida XXXX XXXX. All correspondence is documented via certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
RE : FORMAL DISPUTE NOTICE OF WILLFUL NONCOMPLIANCE FCRA 611 & 623 To the Dispute Department, I am writing to formally dispute the inaccurate reporting of " late payments '' on my credit file for the following account : Account Name : SANTANDER BANK Account Number : Account Number : Account Number : Account Number : XXXX Date fraud began : Date fraud began : Date fraud began : Date fraud began : Date that I discovered it : Date that I discovered it : Date that I discovered it : Date that I discovered it : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : XX/XX/year> XX/XX/year> {$2600.00} Accounts or Charges Accounts or Charges Accounts or Charges Accounts or Charges Yes, fraudulent account LEGAL BASIS FOR DISPUTE : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation to determine the accuracy 1. 2. 3. of this information.I am asserting that I was not late during the periods mentioned above. The reporting of these " lates '' is a direct violation of your duty to maintain maximum possible accuracy under FCRA 607 ( b ). YOUR STATUTORY DUTIES :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I had federal student loans serviced by XXXX between XXXX and XXXX. My XXXX loan history documents approximately 77 months of cumulative forbearance, including a single consecutive forbearance of XXXX months from XX/XX/XXXX, through XX/XX/XXXX. During this period, I was never informed about income-driven repayment plans that could have reduced my monthly payments to {$0.00}. Navient was permanently banned from federal loan servicing following the CFPB enforcement action ( XXXX XXXX. XXXX ) for this exact conduct systematically steering borrowers into forbearance rather than into XXXX. I contacted the CFPB settlement XXXXXXXX XXXX XXXX, who confirmed that I am not in their eligible-borrower database, despite my loan history showing extended forbearance consistent with the conduct described in the enforcement action. My loans also show capitalized interest resulting directly from these forbearance periods, documenting concrete financial harm. I am requesting that the CFPB investigate whether my account was improperly excluded from the settlement and create an official record of XXXXXXXX XXXX impact on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
On XX/XX/XXXX, I deposited a {$1000.00} check via mobile deposit into my newly opened Huntington Bank account. The check was issued by an attorneys office from a XXXX XXXX account. While I understand that new accounts ( defined as under 30 days ) are subject to verification, Huntington Bank has placed an absolute hold on 100 % of these funds until XX/XX/XXXX. I am filing this complaint because Huntington Bank is causing an extreme financial hardship that has placed me in an immediate housing crisis. I am facing a looming eviction because these fundsintended for my rentare being withheld despite proof that the funds have already been successfully debited from the sender 's account. I have confirmed with the issuer that the funds were deducted from their XXXX XXXX account on XX/XX/XXXX. I have attempted to provide this proof to Huntington, but they refuse to perform a manual verification or a bank-to-bank confirmation to resolve their " doubt '' about the check 's validity. Under federal Regulation CC guidelines ( updated for XXXX ), banks are typically required to make the first {$270.00} of a check deposit available by the next business day. Huntington has withheld the entire {$1000.00}, failing to provide even the statutory minimum for immediate use. The bank has provided no specific reason for the hold other than the account being " new. '' Given that the check is from a verifiable legal trust/attorney account and has already cleared the issuing bank, there is no " reasonable cause to doubt collectability. '' Despite explaining that this hold is causing an immediate risk of homelessness, branch and phone support have refused to escalate this to a manager with override authority or their Loss Prevention department for a manual release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: TN

Complaint narrative:
Requested short sale approval for my deceased father property. Mortgage servicer has been emailed all requested documents, servicer is difficult to work with. I have been given misleading information several time. My father death certificate, my birth certificate, my driver license and social security card have been emailed to servicer. They ask for my financials I am a pastor my income is not taxable. XXXX is currently listed with a realtor for sale. I need to get this property sold. XXXX is titled in my name I do not want the property to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am filing a complaint regarding my financial institutions handling of a dispute involving fraudulent charges totaling {$7200.00} USD. I made payments to a company called XXXX XXXX XXXX for professional soccer representation services, including securing a contract with a team in XXXX ( XXXX XXXX XXXX ). The company provided documentation and travel details suggesting that a legitimate transfer process was underway. However, no services were ever delivered. I did not sign a final contract ( only a pre-contract agreement ), I did not travel, and no placement occurred. After receiving payment, the company ceased communication and failed to fulfill any of its obligations. This constitutes clear misrepresentation and deceptive business practices. I initiated disputes across multiple financial institutions. While my credit card issuers have successfully refunded their respective transactions, a portion of the funds remains unresolved. Specifically, {$1000.00} USD from my PNC Bank accountprocessed through XXXX and XXXX not been returned. Despite providing documentation showing that services were not rendered and that the transaction was part of a fraudulent scheme, this portion of the claim remains denied or unresolved. Given the totality of the circumstancesincluding misrepresentation, non-delivery of services, and lack of communicationI respectfully request : A reopening of the investigation into the remaining disputed funds A full refund of the outstanding {$1000.00} USD A thorough review of how this claim was evaluated, particularly in light of the successful chargebacks issued by other financial institutions Supporting documentation, including payment records, communication evidence, and a comprehensive case file summary, has been provided. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint regarding a fraudulent altered check that was paid from my account at Bank of America. While I was on vacation, a check I wrote for rent was intercepted, altered, and fraudulently negotiated by an unknown third party. The payee name on the check was changed, and the check was cashed or deposited by someone who was not the intended recipient. When reviewing my account activity, the transaction appeared normal. The amount matched my rent payment, and it showed as processed. There was no indication from standard account monitoring that the check had been altered or fraudulently negotiated. I only became aware of the fraud after my landlord notified me that rent had not been received. Upon further review, I discovered that the check had been altered and improperly negotiated. Bank of America has acknowledged that this was fraud but has refused to reimburse the funds, citing that I did not report the issue within 60 days. I dispute this determination. The fraud was not reasonably detectable through ordinary account review. The transaction appeared legitimate, and there was no visible indication that the payee had been altered. This was not a case of negligence or failure to monitor my account. The fraud was concealed in a way that a reasonable consumer would not have detected within the timeframe. Additionally, this involves an altered check, and under applicable banking rules and presentment warranties, the financial institution that accepted and processed the altered check ( XXXX XXXX Bank, VA ) bears responsibility for ensuring the validity of the instrument and proper identification of the person negotiating it. I am requesting that Bank of America : 1.Reimburse the {$1800.00} fraud loss 2.Provide documentation of how the check was verified and negotiated I am also requesting a full review of this claim beyond the initial denial based solely on the 60-day reporting period, as the fraud was not reasonably detectable within that timeframe. This situation has caused significant financial harm, and I am seeking a fair resolution based on the facts of the 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 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) placed a {$4400.00} collection tradeline on my credit report ( Capital One, acct XXXX ) without ever sending me an initial written notice or validation rights disclosure as required by 15 U.S.C. 1692g ( a ). On XX/XX/year> I sent a Cease and Desist and debt validation demand via XXXX XXXX Mail ( Tracking # XXXX, delivered XX/XX/year> ). XXXX has never responded. Despite receiving my demand, XXXX updated the balance on my Experian tradeline on XX/XX/year> -- 11 days later -- with XXXX validation provided, violating 1692g ( b ). XXXX then " verified '' this tradeline in 3 days, which is a sham investigation. XXXX 's reported address ZIP code on XXXX is wrong ( XXXX reported, correct ZIP is XXXX ) and survived XXXX investigation cycles. XXXX also failed to provide written assignment notice within 30 days as required by Florida XXXX XXXX. I have certified mail proof of all correspondence. XXXX has provided no validation, no chain of title, no bill of sale, and no master purchase agreement as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Creditors illegally reported amounts of {$210.00} on my credit report with no knowledge this is inaccurate please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I am filing this complaint against ChexSystems for failure to comply with the Fair Credit Reporting Act. On XX/XX/year>, ChexSystems received my written dispute regarding information reported on my consumer file. This dispute was sent via certified mail, and I have proof of delivery. Under the Fair Credit Reporting Act, ChexSystems is required to investigate and respond within 30 days. As of today, more than 30 days have passed, and I have not received any response, results of an investigation, or notification of any action taken. This is a direct violation of federal law. Due to this noncompliance, I am requesting the immediate deletion of all disputed information from my ChexSystems consumer file. This issue is preventing me from opening a checking account, and I have made a good faith effort to resolve this matter directly with ChexSystems before filing this complaint. I am requesting that the Consumer Financial Protection Bureau require ChexSystems to comply with the law and remove the disputed information immediately. I am prepared to provide proof of certified mail delivery and a copy of my dispute letter if needed.

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