vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the validity and accuracy of the above-referenced account currently being reported and/or collected by your company. This account allegedly originated with XXXX and has since been transferred or assigned to your company. However, I have not received sufficient documentation establishing that your company has the legal right to collect this alleged debt or report it to the consumer reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and proper validation of this account, including : Documentation proving this debt was legally assigned or transferred to your company The original account agreement or application Complete account statements and payment history Verification of the full balance being reported Proof that all information being furnished to the credit bureaus is accurate and complete Documentation showing your authority to collect in my state Until this account is properly validated, I dispute the accuracy of this reporting. Reporting inaccurate, incomplete, or unverified information to consumer reporting agencies may constitute violations of federal law. If your company can not provide competent evidence validating this account, I request immediate deletion of all related reporting from the consumer reporting agencies and cessation of collection activity. This letter is not a refusal to pay, but a formal notice that the debt is disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
I disputed the reporting of this rental debt account because the information being reported is inconsistent and inaccurate across the credit bureaus. The account is being reported differently between XXXX XXXX XXXX XXXX On XXXX the account reflects a {$0.00} balance and shows as paid/settled for less than the full balance, while XXXX continues reporting an active balance of {$6300.00} and states that the debt has not been satisfied. This inconsistent reporting is misleading and damaging to my credit profile. I requested that the company investigate and verify the accuracy of the account information being furnished to the credit bureaus, including the balance, payment status, and account status being reported. Despite my dispute, the inaccurate and conflicting information remains on my credit reports. Under the Fair Credit Reporting Act, furnishers and credit reporting agencies are required to report accurate and complete information. Reporting the same account with materially different balances and statuses across multiple bureaus raises concerns regarding the accuracy and reasonableness of the investigation conducted. I am requesting that the inaccurate reporting be corrected immediately or that the account be removed entirely from all credit reporting agencies if the information can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have been a TD Bank customer since XXXX. On XX/XX/XXXX, my own bank in the XXXX, XXXX XXXX, sent a USD XXXX international wire to my TD checking account. XXXX XXXX records show the funds were debited and released the same day ( transfer reference XXXX ; correspondent bank XXXX XXXX ; XXXX XXXX XXXX XXXX ; charge code XXXX XXXX On several telephone calls since, TD representatives have confirmed that TD received the funds but stated they are being held pending additional verification. As of XX/XX/XXXX, the funds have been held for more than ten days. I also sent TD a secure message on XX/XX/XXXX requesting a written explanation and release. TD has not provided me, verbally or in writing, with the specific reason for the hold, a list of anything required from me, or an expected release date. For context, an incoming wire of the same amount, USD XXXX, was credited to my account without issue on XX/XX/XXXX. Under Regulation CC ( 12 CFR 229.10 ( b ) ), funds received by wire transfer are generally to be made available no later than the business day after the bank received them, and the exception holds in 12 CFR 229.13 apply to checks rather than wires. I can not visit a branch, as TD has no locations on the XXXX XXXX where I live. The hold is preventing me from meeting a time-sensitive obligation. I have also filed a complaint about this matter with the Office of the Comptroller of the Currency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
In XXXX Chase cancelled my credit card for no valid reason, we are requesting over and over a reason, but none has been forthcoming. We made large charge request, and they no only denied, but cancelled the card. The charge was then processed on XXXX XXXX and was immediately paid in full the next month as I do for all XXXX Bills every month. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and they not only cancelled for no reason denying me the perks program with vendors I need and using their XXXX power to complete exclude me illegally. We did have a dispute with bank in XXXX and had to sue them and won, they settled, then we reponed the account in XXXX then they shut it illegally and illegally denied applications in XXXX citing many different but no clear reasons, denials for both Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX They wrongfully closed my XXXX XXXX XXXX in XXXX Wrote XXXX certified letters to the bank 's certified address and they were accepted, we also spoke to them twice per denial letters saying I could call them. There has been no change in their illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
Im a previous resident whom never was taken to court while living at this property. I was in a three party lease with the landlord myself, them, and XXXX XXXX housing authority. The company had sent a false debt to a debt agency stating Ive paid partial rental payments and thats not true. I paid my responsible portion on time every month. I also obtained the payment history ledger from XXXX XXXX housing authority and I dont owe them anything other than maybe damages. Ive tried disputing several times and even provided verification of my rental portion and payment history and its still being denied. Ive had several issues while living at this rental property with my account not being accurate and emails between myself the rental office managers and the housing authority. In order to remain in this program I wouldnt have been permitted to move with any non rental payments. Ive even received a good standing letter from the than apartment manager. I never was able to do a walk through with management due to not having office staff on site at that time but I do have pictures of every part of the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Chime Financial Inc
State: CA

Complaint narrative:
My name is XXXX XXXX and Ive tried fixing my issue with Chime over 8 times now and they are no help at all and keep denying my disputes. This is very frustrating. They closed my account and card completely. I need major help getting my money back that I did not authorize. One for the amount of {$700.00} and the other for {$150.00}. Both from XXXX. I went to the XXXX Police Department and I filed a report to help and get this all resolved. I need a check issued in my name for {$850.00} and sent to my address ASAP. Chime is no help and I would never recommend them to anyone when it comes to banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am the sole primary owner of credit card account number XXXX. My deceased mother, XXXX XXXX XXXX was only an authorized user. An unauthorized third party, XXXX XXXX contacted the bank and claimed to be an estate representative. A Bank of America representative committed a severe federal privacy breach under the Gramm-Leach-Bliley Act ( GLBA ) by disclosing my private balance and transaction data to him. A bank supervisor reviewed this incident and sent me a secured message confirming they have the call recording but refusing to provide me with the transcript or audio without a subpoena. I demand that Bank of America 's corporate legal team review this call log, submit their findings to the CFPB, and issue a formal written letter clearing my account of any fraudulent estate flags.

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 2026-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am submitting this follow-up complaint regarding the account XXXX ending in XXXX, which was opened on XX/XX/XXXX, and currently reflects a {$0.00} balance with the last activity reported on XX/XX/XXXX. Upon reviewing my credit reports, I discovered that this account is inaccurately reporting 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. I dispute the accuracy of these reported late payments and request that the account be corrected to accurately reflect Paid as Agreed, as the reported delinquencies are inconsistent with my payment history and supporting records. Since the opening of this account, I have consistently made timely payments and complied with all agreed-upon terms and obligations. My records, including account statements and payment confirmations, demonstrate responsible account management and do not support the reported late payment history. Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing this inaccurate reporting. Pursuant to 15 U.S.C. 1666 regarding correction of billing errors, consumers have the right to dispute inaccurate account reporting, and the reported late payments appear to constitute such errors. Additionally, 15 U.S.C. 1666a requires furnishers to properly investigate disputed information and avoid inaccurate reporting during the dispute process. Furthermore, FCRA 611 ( 15 U.S.C. 1681i ) provides consumers the right to dispute inaccurate information with consumer reporting agencies, while FCRA 623 ( a ) ( 2 ) and FCRA 623 ( b ) require furnishers to investigate disputed information and correct or update any inaccurate reporting.

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 2026-05-29 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I am submitting this follow-up complaint regarding the account XXXX ending in XXXX, which was opened on XX/XX/XXXX, and currently reflects a {$0.00} balance with the last activity reported on XX/XX/XXXX. Upon reviewing my credit reports, I discovered that this account is inaccurately reporting 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. I dispute the accuracy of these reported late payments and request that the account be corrected to accurately reflect Paid as Agreed, as the reported delinquencies are inconsistent with my payment history and supporting records. Since the opening of this account, I have consistently made timely payments and complied with all agreed-upon terms and obligations. My records, including account statements and payment confirmations, demonstrate responsible account management and do not support the reported late payment history. Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing this inaccurate reporting. Pursuant to 15 U.S.C. 1666 regarding correction of billing errors, consumers have the right to dispute inaccurate account reporting, and the reported late payments appear to constitute such errors. Additionally, 15 U.S.C. 1666a requires furnishers to properly investigate disputed information and avoid inaccurate reporting during the dispute process. Furthermore, FCRA 611 ( 15 U.S.C. 1681i ) provides consumers the right to dispute inaccurate information with consumer reporting agencies, while FCRA 623 ( a ) ( 2 ) and FCRA 623 ( b ) require furnishers to investigate disputed information and correct or update any inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing this collection account because the company has failed to properly validate the alleged debt and prove it has the legal right to collect it. I sent multiple written disputes requesting full debt validation, proof of ownership/chain of title, the original signed agreement, complete account history, and documentation showing the amount claimed is accurate. The company only responded with generic account statements and failed to provide the specific documentation requested. They did not provide sufficient proof that they legally own the debt or have standing to collect it. Despite my disputes, they continue attempting to collect the debt and continue reporting the account, which has negatively affected my credit. I believe the investigation performed was incomplete and inadequate because my requests for validation and proof of legal ownership were not properly addressed. I am requesting that the company provide full legal validation of the debt or cease collection activity and correct any inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Hello Consumer Finance Office, On XX/XX/XXXX my business cards were hacked for ( {$3900.00} on XXXX ) and for ( {$5000.00} on XX/XX/XXXX & {$6000.00} at XXXX XXXX XXXX on XX/XX/XXXX by the same person : The charges were charged at : XXXX XXXX XXXX located at XXXXXXXX XXXX XXXX XXXXXXXX claiming to be a clothing retail store. On XX/XX/XXXX another unauthorized charge {$2600.00} to XXXX XXXX at the same address XXXX XXXX XXXX XXXX was charged. I reported it to both XXXX and XXXX filed a police report I filed a complaint with XXXX. XXXX has informed me that they did an investigation and made the determination that it was a legal transaction. The card was in my possession at the time of transactions. The total is close to {$18000.00} in which I am getting no satisfaction with XXXX or XXXX XXXX. XXXX initially gave a temporary credit but then reversed it with no explanation. Any assistance would be greatly appreciated. Please contact me at XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRUEBILL, INC
State: OR

Complaint narrative:
I opted in for bill negotiation for my XXXX XXXX bill. I received an e-mail about a week ago stating that they had been unable to negotiate a discount or a rate decrease for my XXXX XXXX bill but the new rates would be available in about a week so they would try again. Today a gentleman from XXXX XXXX showed up at my door to assess the damage that was reported to XXXX XXXX in order to credit my account. Here 's what I've learned so far after XXXX XXXX pulled the recordings from their system someone called from XXXX and stated that they were me however they mispronounced my name they very aggressively demanded a credit on my account because of damage caused to a flower bed by one of the XXXX XXXX trucks they made this report on Tuesday and then they called again today with the same complaint again aggressively requesting a credit be added to my account. That situation never happened there was no damage to my property I never filed any complaints. XXXX XXXX has already confirmed that that same exact number has called stating that they are multiple different customers and requesting credits to the account. What kind of business practice is this? Your agents are pretending to be people demanding credits in the most obscene way possible and wasting people 's time and money and you expect to get a portion of the " money saved ''. When we opt in for bill negotiation we XXXX permission to act on our behalf, we do not XXXX permission to pretend to be us, and to falsely claim damages. SOMEONE CAME TO MY HOUSE TO INSPECT THE DAMAGE! Not only am I embarrassed I'm now concerned about what other things your agents might be doing when they pretend to be me. And yes we can confirm that that was a rocket agent attempting to get a credit. This complaint is also being filed with the XXXX and the Federal Trade Commission as well as my state attorney, what they did constitutes identity theft and fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the accuracy and completeness of the XXXX collection account currently appearing on my consumer report. The information being furnished is materially inconsistent. I have attached documentation from the debt collector, XXXX XXXX XXXX, reflecting a balance of {$1100.00}, while the account currently reported on my consumer report reflects a different balance of {$980.00}. Because conflicting balances are being reported regarding the same alleged account, I dispute the accuracy, completeness, and reliability of this tradeline pursuant to the Fair Credit Reporting Act. I request a reasonable reinvestigation and verification of : * the correct balance, * date of first delinquency, * current account status, * furnishing records, * and the method of verification used. Please provide the name of the furnisher and the procedure used during your investigation. If the information can not be fully and accurately verified with competent documentation, I request deletion of this account from my consumer file pursuant to the FCRA.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I would like to file a complaint regarding a credit card application at XXXX. During the interaction, I decided to cancel on my end when I realized I added my social security number but then she asked me for my telephone number and said let me just add your number on my end and she process the application I was under the impression that it was a 10 % discount card I even asked the clerk if I have to pay any fees she stated no. After I realized what she did I asked to speak with her manager but the clerk insisted that I knew it was a credit card I was applying for I hope they can run the security camera, and listen to our conversation. I also called and customer service to have them canceled the card immediately. I did not agree to move forward with the application, and I feel it was processed against my wishes. This has resulted in a hard inquiry on my credit report, which I find unfair. I am requesting that this matter be investigated and that the application.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened an account with bank of america. then I did their autopay settings like I normally do. the account did not charge for some technical reason ... and then it went on my credit. When I saw, I immediately paid the entire balance manually and they are not removing from my credit report and taking fault. I need this removed from my credit for unauthorized issue

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Credit Collection Services is reporting a collection account allegedly related to XXXX XXXX. I dispute the accuracy and validity of this debt. The company has failed to provide adequate validation and continues furnishing disputed information to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation