vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate and inconsistent credit reporting of my mortgage account with XXXX XXXX ( Account # XXXX * * * * * ) * *, currently reporting a balance of {$220000.00}, where I am experiencing conflicting tradeline statuses across the major credit reporting agencies that are materially misrepresenting my payment history ; specifically, my Experian report reflects this account as 30 days late, while my TransUnion report also reflects a XXXX late delinquency, yet my Equifax report shows the same exact account in good standing, despite all three bureaus reporting identical core identifiers including the same account number, same creditor, same balance, and the same reporting cycle information including Date of Last Activity : XX/XX/XXXX ( as reflected in Experian XXXX ) and Date Reported : XX/XX/XXXX alongside updated activity entries showing XX/XX/XXXX activity reporting, creating a direct contradiction in how my mortgage performance is being evaluated and displayed ; this inconsistency demonstrates that the furnished data is not being uniformly verified or accurately synchronized, resulting in a harmful and misleading credit profile where one bureau reflects positive standing while two others incorrectly assign a delinquency status, despite no consistent factual basis across reporting systems, and this discrepancy raises serious concerns under the Fair Credit Reporting Act including 15 U.S. Code 1681i ( FCRA 611 ) requiring reinvestigation of disputed inaccurate information, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update incomplete or inaccurate data, and FCRA 623 ( b ) requiring reasonable investigation of disputed information, as well as related billing accuracy principles under 15 U.S. Code 1666 and 1666a, since the same account can not simultaneously be reported as both current/good standing and 30 days late without verified supporting evidence from the original creditor, and I am requesting that this matter be fully investigated to determine the source of the inconsistent reporting between Experian , TransUnion, and Equifax XXXX confirm the true and accurate payment status directly from the furnisher records, and ensure that all three credit bureaus are updated to reflect a single, correct, and fully verified status for my XXXX XXXX account without contradiction or conflicting delinquency indicators.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 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: CL Holdings LLC
State: GA

Complaint narrative:
I recently discovered that Jefferson Capital Systems , LLC is reporting a collection account on my consumer credit reports that they claim originated with XXXX. Jefferson Capital alleges that it purchased the account and is now attempting to collect the debt. The company has reported negative information to the consumer reporting agencies and is demanding monthly payments from me. I dispute the accuracy and completeness of this reporting and have requested documentation supporting the alleged debt. I am seeking evidence that Jefferson Capital has the legal right to collect and report this account, including proof of ownership, chain of assignment, and documentation supporting the balance being reported. Despite reporting this account and demanding payment, I have not received sufficient documentation demonstrating : The complete chain of assignment from XXXX to XXXXefferson Capital Documentation establishing my legal obligation for the amount claimed An itemized accounting of the balance Documentation supporting the accuracy of the information being furnished to the consumer reporting agencies Because Jefferson Capital is reporting this account and attempting to collect payments, I believe a reasonable investigation and proper documentation should be provided to support the reporting and collection activity. I received notifications from XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX stating that Jefferson Capital add a Negative item in my credit report. When I logged in I saw a collection in my credit by Jefferson Capital, I never give anyone permission to access my credit report. I saw an amount of {$8700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Was supposed to receive a government benefits card from Money Network via XXXX. CarXXXX never came in, and upon contacting XXXX, was told to contact Money Network. Upon contacting Money Network customer service, Im being greeted with an automated voice messaging system that only allows me to communicate through my number pad. The XXXX system demands that I type in a card number or SSN. Since I never received a card, I provide my SSN for it to tell me my account doesnt exist and hangs up. It will not let me reach a live agent without passing that part. So without an account or card, I can not speak to customer service. I called another line for Money Network and was met with a really rude employee stating that theres nothing she can do to assist and to contact that same phone number that I also mentioned to her that wasnt working. She then said thats my only option and theres nothing else for me to do, despite me explaining my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am formally disputing the CREDENCE RESOURCE MANAGEMENT collection account reporting a balance of {$2300.00} allegedly from XXXX XXXX XXXX. I do not recognize this debt and have not been provided competent evidence proving I authorized or owe this account. Despite prior disputes, the furnisher continues reporting inaccurate and unverifiable information. Under FCRA 1681e ( b ), 1681i, and FDCPA 809, I request complete validation including signed contracts, account statements, chain of assignment, and proof of ownership. If the furnisher can not provide this documentation, the account must be deleted immediately from all credit reporting agencies. Additionally, if this account resulted from identity theft or unauthorized activity, I request protection under FCRA 605B and immediate blocking of the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against " usaa.com '' ( XXXX : XXXX ) regarding the sudden closure of our bank account and the withholding of our funds without reasonable notice. On XXXX XXXX, 2026, USAA closed our bank account without any prior warning or opportunity to resolve any alleged issue. The notice informing us that the account had been closed was sent at the same time the closure occurred. We were completely blindsided and left without access to our money. Since the account closure, USAA has refused to release our remaining funds and informed us that we must wait approximately 61 days before receiving our money. This has created a severe financial hardship for our family. We have urgent financial obligations, including : - Mortgage payments - Car payments- Medical bills- Household living expenses To make matters worse, USAA continued accepting deposits into the closed account after the closure date. Payroll and employer deposits were accepted by USAA instead of being immediately rejected or returned to the sender. However, USAA has still refused to release these deposited funds to us and has not promptly returned the deposits to our employers. We believe this situation is unfair, harmful, and financially damaging. At no point were we accused of fraud, given an opportunity to respond, or provided a reasonable explanation for why our funds are being withheld for such an extended period of time. We are requesting the following : 1. Immediate release of all legally owed funds remaining in the account 2. An explanation for why the account was closed without advance notice 3. An explanation for why deposits were accepted after closure 4. Confirmation of when all funds will be returned 5. Review of whether USAAs actions comply with consumer banking regulations and fair banking practices This situation has caused extreme emotional distress and financial instability for our household. We are simply asking for access to our own money so we can pay our bills and support our family. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX 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 2026-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have repeatedly asked Goldman Sachs/Marcus to close my account. I called them ; chatted with them ; filed 1 different XXXX complaints. This is not complicated. Send me a check for the balance in the account and CLOSE IT. This bank has changed and now takes over a week and a half to process transfers. Theres no excuse in 2026 for this. Consumers should avoid this bank at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
In XX/XX/XXXX, I leased a XXXX Honda XXXX for 36 months through Honda Financial Services. I have been making regular monthly payments since the vehicle was delivered to me. I noticed in XX/XX/XXXX, Honda Financial Services was not reporting any of the loan activity on my credit report. I contacted Honda Financial, and the representative said there was an issue or accuracy issue with my social security number that may have been entered incorrectly by the dealer. I asked if they had reached out to Honda of XXXX to correct the issue and they said no. I asked if there was an issue with the social, how did they or the dealer approve me for the loan, and the representative could not answer. I asked if they could go back and update my credit report, and they said there are three options : XXXX. Dispute the debt with all three credit reporting agencies XXXX. Have XXXX update it, but it may take 90 days XXXX. Have XXXX send me the history and I can submit it to the credit reporting agency They asked what resolution I wanted, and I said I would prefer you come pick up the vehicle and close the account as paid since it does not exist. She said she could not make that determination and I would have to call back. I asked Honda to send me the document. Unfortunately, I was injured in an accident on the dealer lot, and found this to be time consuming to chase down an error that should have been corrected two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
Waypoint is trying to collect a debt that isn't mine. On XX/XX/year> I received this message from Waypoint. " Waypoint is unable to locate an active account in the name of the consumer. The address, email, and telephone number is not in our database. '' Waypoint is still attributing a debt to me that doesn't have my name, my address that I've lived at for the last 15 years, email that I've had for 30 years, and telephone number I've had for 15 years. Even though Waypoint knows this isn't my debt they continue to falsely attribute it to my credit report.

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 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I made a settlement offer of {$11000.00} which I paid to Westlake Financial on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX an as today XXXX Im yet to receive the title. Ive call on numerous occasions of the last 2 months & still nothing has been done.Their excuse is it got some kind of mixup with my address which makes no sense no sense cause everytime I call I got to verify my address. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I sent an international MoneyGram transfer about one month ago, but the recipient still has not received the money. I contacted MoneyGram multiple times and provided the requested identification documents and transaction receipt, but the issue has still not been resolved. I requested updates and refund information, but I have not received a clear response or resolution. I am requesting that MoneyGram either complete the transfer or issue a full refund as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I requested information and debt validation from Resurgent Capital Services/LVNV Funding LLC and received account summaries and statements. However, I still have concerns regarding the accuracy of the account reporting. LVNV Funding LLC is reporting a collection account balance of {$4100.00} on my credit report. At the same time, XXXX XXXX is also reporting a charged-off balance of {$4100.00} for what appears to be the same account. I am requesting an investigation into whether the account balance, ownership, and reporting status are accurate following any transfer or sale of the account. Please verify whether the account was sold or transferred and ensure the reporting is accurate and not duplicative or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: AL

Complaint narrative:
I am a victim of severe identity theft, and an unauthorized account was opened in my name through Self Financial, which is backed by XXXX XXXX, without my knowledge or consent. I have formally disputed this fraudulent account three separate times, explicitly informing them of the identity theft and uploading my official Federal Trade Commission ( FTC ) Identity Theft Report as ironclad evidence. Despite receiving clear proof that this account does not belong to me, XXXXXXXX XXXX and Self Financial have willfully failed to conduct a proper investigation and continue to report this damaging, fraudulent account on my credit files. This ongoing reporting directly violates my consumer rights under the Fair Credit Reporting Act ( FCRA ), which mandates that financial institutions block and remove identity theft accounts immediately upon receiving an official federal report. Their negligence is actively harming my credit history and causing severe financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
I had to break my lease due to the lack of repairs, gaping holes in the foundation, the excessive amount of mold that was repeatedly reported and just painted over. The office manager was very mad when I made the decision to end my lease, she said I was messing up her numbers for the month and screwing her over. This is after she told me private information about multiple other tenants. I gave the proper amount of notice as per lease agreement, and paid the early termination fee, and 2 months later was sent a bill for over XXXX dollars for cleaning and repair fees after i walked through the apartment with her and maintenance and said everything looked good and I would have no fees since its after 4 years of wear and tear along with other fees that dont exist or that were already paid before I left.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and demanding that you immediately cease and desist all communication with me regarding the alleged debt referenced in your records. You are hereby instructed to stop all telephone calls, text messages, emails, letters, and any other form of communication to me, my family members, my employer, or any third parties concerning this matter. Be advised that : * I refuse to discuss this alleged debt with your company. * Any further contact after receipt of this notice may constitute a violation of the FDCPA. * You may only contact me for the following legally permitted reasons : 1. To advise that collection efforts are being terminated ; XXXX. To notify me of specific legal remedies you intend to pursue ; XXXX. To inform me that you are invoking a specified remedy permitted by law. Additionally, if this account is being reported to any credit reporting agency, I request that you ensure all information being furnished is complete, accurate, and fully compliant with the Fair Credit Reporting Act ( FCRA ). Any inaccurate, misleading, incomplete, or unverifiable reporting must be corrected or deleted immediately. Please provide written confirmation that you have complied with this request. Failure to comply with federal law may result in complaints being filed with the : * Consumer Financial Protection Bureau XXXX Federal Trade Commission * My State Attorney Generals Office Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief