vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc.
State: NV

Complaint narrative:
THEY ARE SUEING ME FOR A CREDIT CARD DEBT WELL BEYOND THE STATUE OF LIMITATIONS. They knowingly improperly served someone who was not me, my mother, in a residence that was not my usual place of abode. I am going to start the biggest issue. They started a lawsuit for a debt that was well past the statue of limitations. This part is to prove it was beyond the statue of limitations under Nevada law. Under Nevada XXXX ( XXXX XXXX ( XXXX ) ( a ) ( XXXX XXXX ( XXXX ) ( b ) ( XXXX XXXX ) NRS XXXX. XXXX ( XXXX ) ( B ) A written contract statue of limitations is 6 years EXCEPT " those mentioned in the preceding sections of this chapter. '' That includes XXXX XXXX ( XXXX ) ( a ) which states the statue of limitations for an open account for goods, wares and merchandise sold and delivered is within 4 years. XXXX XXXX Credit card account means an open line of credit offered by an issuer to a cardholder which is accessed by obtaining money, property, goods, services or anything of value by the use of a credit card. XXXX XXXX XXXX. The statue of limitations begins when the last payment was made. So the statue of limitations if 4 years, and is when the last payment was made. My last payment was XX/XX/XXXX and my lawsuit was filed XX/XX/XXXX. When they served, they served my mother at her residence, not the residence I was/am living at. I answered the lawsuit. messaged the lawyer, and the creditor with the issues, yet I got no response as far as I can tell. The lawsuit is currently still active despite outside the statue of limitations as far I can tell.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I have not been able to get any loans because of this, My Mother Has Stage XXXX XXXX. They Failed to provide me with Full GAAP Acountings -- Failure to provide full Generally Accepted Accounting Principles ( GAAP ) compliant financial statements can have serious consequences, particularly for public companies or those seeking investment. XXXX ensures uniformity and accuracy, and departing from these standards without disclosure can be considered accounting malpractice. INTENT TO SUE NOW Under The XXXX XXXX. The XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX is a XXXX XXXX federal law designed to combat organized crime by targeting the entire enterprise, not just individuals. It enables prosecutors to charge leaders with a " pattern of racketeering '' ( XXXX or more related crimes within 10 years ) that furthers a common business-like goal. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX all my rights with explicit reservation without prejudice. Without recourse. XXXX days XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed any of these accounts. Their presence on my credit report is inaccurate, misleading, and completely unacceptable. I take my credit profile seriously, and the reporting of unauthorized accounts is a matter of serious concern. I require an immediate explanation as to why these accounts are appearing and identification of the party responsible for reporting them.

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 2026-04-02 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name is XXXX XXXX. I live in XXXX California. I have ordered the furniture from XXXX XXXX XXXX XXXX, located in XXXX California on XXXX XXXX. I have spent {$6900.00}. I have not received my ordered furniture till today. I have not received anything from store not even the invoice at the time of making an order with them. I was told that my furniture will be delivered in XXXX to XXXX weeks. Its more than XXXX weeks now and I have to purchase the furniture from outside. I have contacted my store credit card company which is Synchrony XXXX. I have filed the dispute 3 times and they are not doing anything instead they keep giving resolution in favor of XXXX. I don't understand how can credit card company don't listen to the consumer. I understand its the store who opened the card but it is under my name. I am so frustrated and dont know what to do. Please help me get the refund for my order.

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: ME

Complaint narrative:
Someone opened an account on usbank.com using XXXX of my personal emails : XXXX. They don't seem to be using any of my personal information other than the email. So I want the email removed from that account or require the owner of the account to change to their own email if it was a typo ( not likely a typo since it's a very peculiar email address )

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 2026-04-02 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ingo Money, Inc.
State: FL

Complaint narrative:
On or about XX/XX/year>, a payment in the amount of {$1700.00} ( Transaction # XXXX ) was processed through XXXX XXXX using their payment provider, Ingo Money. The payment was intended for a credit card account at XXXX XXXX. We were later informed that the account details used for the transfer contained a transposition error, resulting in the funds being sent to an incorrect account. We contacted the receiving bank, who confirmed they can not perform a trace or recovery without the originating account and routing number. As the recipient, we do not have access to this information. On XX/XX/year>, we submitted a formal written request to XXXX XXXX asking them to initiate a trace and recovery through their processor and to provide the originating account information, trace number, receiving bank details, and status of the transaction. As of today, no response has been received, and no trace or recovery action has been confirmed. The issue has now been outstanding for over 30 days. Both XXXX XXXX and Ingo Money have failed to provide transparency regarding the location of the funds or take action to recover the misdirected payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I purchased a XXXX phone through XXXX, paid via Affirm on the XX/XX/year>. The tracking shows the package delivered on XX/XX/year> to another adress, not my address and i never received it.I contacted XXXX multiple times, but they refused to refund. I go to the police office, they refuse to give me police report because the package was not delivery on my appartement Affirm denied my dispute claiming the item was delivered. I am requesting CFPB to intervene because the item was never in my possession and I have provided all supporting evidence. This is the tracking number XXXX But show the package was delivered. And the XXXX is not my adresse And this is the order id from XXXX XXXX The total amount with Affirm is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
I am disputing inaccurate credit reporting related to a rental collection account being reported and collected by Columbia Debt Recovery LLC DBA Genesis on behalf of XXXX XXXX XXXX ( Shoreline at the Lakes ). The original balance of approximately {$5000.00} was disputed directly with the original creditor, XXXX XXXX XXXX. After review, I was informed that the matter had been resolved on XX/XX/year>, and that corrections had been made to the account. Despite this, the collection agency continues to report and attempt to collect the original inflated balance, and has added additional charges. This balance does not reflect the corrected account and is inaccurate. I have made multiple attempts to resolve this both with the original creditor and the collection agency, but the inaccurate reporting has not been corrected. -I disputed the original balance of approximately {$5000.00} with XXXX XXXX XXXX -The account was reviewed and I was informed it was resolved on XX/XX/year> -Despite this, Columbia Debt Recovery LLC DBA Genesis XXXX reporting the original balance and added additional charges XXXX attempted to contact the collection agency directly but received no response -On XX/XX/year>, I submitted formal disputes to all three credit bureaus -Equifax sent multiple letters requesting identity XXXX -I provided all requested identity documents on XX/XX/year> XXXXDespite complying, Equifax has continued to delay processing my dispute XXXX verified the account as accurate without correcting the XXXX or addressing the discrepancies The balance being reported does not reflect corrections made by the original creditor The collection agency is attempting to collect an inflated and inaccurate amount The credit bureaus failed to ensure maximum possible accuracy My dispute was not properly investigated despite supporting documentation Equifax has delayed my dispute through repeated identity verification requests This has resulted in ongoing inaccurate reporting that is negatively affecting my credit. This reporting appears to violate the Fair Credit Reporting Act, including the requirement to ensure maximum possible accuracy and to conduct a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to dispute Discover 's handling of chargeback case number XXXX, involving a {$650.00} charge from XXXX * XXXX. On XX/XX/year>, I purchased a flight through XXXX ( a third-party travel booking platform ). Within XXXX hours of booking, I submitted a refund request through XXXX. The departure date of the flight was more than 7 days from the date of booking, and the flight has not yet occurred. Under 14 CFR Part 259.5, the U.S. Department of Transportation requires all airlines and their booking agents to allow passengers to cancel a reservation and receive a full refund within XXXX hours of purchase, provided the flight departs at least 7 days later. This is a federal consumer protection regulation that supersedes any " non-refundable '' fare terms. Kiwi.com, acting as a booking agent for the airline, was legally obligated to honor this refund request. XXXX refused to process the refund. I then filed a chargeback with Discover, which was denied. I believe Discover 's investigation was inadequate because it did not account for the applicable federal regulation ( 14 CFR Part 259.5 ), and instead accepted XXXX 's non-refundable fare terms as a valid justification, which they are not under federal law. I am requesting that Discover reopen this case and conduct a proper investigation that accounts for my rights under 14 CFR Part 259.5. I have the following documentation available : - Booking confirmation showing the XX/XX/year> purchase date and flight departure date - Written confirmation from XXXX showing I submitted my refund request within XXXX hours of booking The flight has not yet departed. I have not received the service I paid for, and I am owed a full refund of {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a Bank of America account ( A/C no XXXX routing number XXXX ) which is under XXXX review for ages now. All my payments ( including credit card payments where this account is an autopay account XXXX incurring huge charges ) even though I have more than $ XXXX in this account. Even in calls they could not give any XXXX when this would be resolved. Last known person handling this was XXXX XXXX. I want below from Bank of America : XXXX. XXXX resolution XXXX removal of debit hold XXXX. XXXX XXXX for compensation of charges, lost time XXXX harassment

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 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: NJ

Complaint narrative:
I disputed an account reported by Oliphant USA LLC with all three nationwide consumer reporting agencies. Both XXXX XXXX XXXX have deleted this account after reviewing the documentation I provided, including legal documentation related to this matter. However, XXXX continues XXXX report the same account as verified, even after I submitted the exact same documentation to them. This creates a clear and significant inconsistency between credit reporting agencies XXXX raises serious concerns about the accuracy of the information being reported XXXX the adequacy of XXXX investigation. If XXXX nationwide consumer reporting agencies determined that this account could not be verified, then XXXX continued reporting is unreliable XXXX does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act. I provided XXXX with the same documentation that resulted in deletion by the other bureaus, yet they still verified the account without properly addressing the evidence. I also requested verification of the debt, including how it was verified, what documentation was reviewed, XXXX who was contacted. This information was not meaningfully provided. Given the deletions by XXXX and XXXX XXXX the failure XXXX properly verify this account, the continued reporting by XXXX is inaccurate and misleading. I am requesting that XXXX and Oliphant USA LLC provide the method of verification, including : The name of the party contacted The date XXXX method of verification The specific documents reviewed If this information can not be provided, the account must be deleted immediately XXXX ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a safe deposit box with Key Bank at their XXXX XXXX XXXX. I annually paid rent each successive XXXX of {$100.00}. On XX/XX/XXXX I received a letter from Key bank indicating that the local office was closing XXXX directing me XXXX close the box which I did on XX/XX/XXXX. I was denied a refund for the months for which I paid rent XXXX would no longer have access XXXX the box I rented as the bank would be closed. This is a period of about XXXX months which amounts XXXX XXXX. I repeatedly asked Key bank XXXX XXXX XXXX XXXX their XXXX XXXX for a refund which they flatly denied. Their XXXX XXXX says XXXX take it up with the local branch XXXX the local branch says it is out of their hands. The bank XXXX not exercise contract item XXXX which is the right XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a follow-up XXXX CFPB complaint # XXXX, which remains unresolved. An XXXX deposit was made from our XXXX joint account XXXX my personal savings account at Citibank on XX/XX/year>. Citibank closed the account with no reasonable reason. They have refused XXXX release the funds some XXXX days later. This involves a {$50000.00} transfer. Citibank has stated that a hold harmless letter is required to release the {$50000.00} associated with my closed account. However, during recent communication, Citibank representatives refused XXXX specify the requirements for this document, including required XXXX XXXX or necessary language. Multiple hold harmless letters have already been submitted by XXXX XXXX have not been accepted, yet no clear or consistent requirements have been provided. At this point, Citibank is effectively preventing resolution by requiring documentation while refusing XXXX define what constitutes acceptable documentation. This has now exceeded XXXX days. The last complaint was just haded off XXXX the XXXX team. I expect a resolution from the XXXX XXXX XXXX and for them XXXX handle this XXXX completion XXXX not hand this off XXXX another department. I am requesting : A definitive written statement of the exact requirements for the hold harmless letter Confirmation of what is required XXXX release the funds A timeline for resolution Please provide a clear XXXX complete response so this matter can be resolved immediately.

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 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc
State: PA

Complaint narrative:
am writing this statement XXXX report that I have been a victim of identity theft XXXX unauthorized account activity. At some point, my personal information was compromised without my knowledge or permission. I became aware of the issue after noticing unfamiliar activity on my account ( XXXX ), including transactions XXXX/or changes that I did not make or approve. I have never given anyone authorization XXXX use my identity or access my accounts. As soon as I realized what was happening, I took action XXXX secure my information. I began reviewing my accounts, disputing unauthorized items, XXXX working XXXX prevent any further misuse of my identity. This situation has caused me stress XXXX concern, as it has impacted my financial standing XXXX personal security. I have also been data breached through my email on XXXX different breaches XXXX I have proof of that also this is completely not fair am I need XXXX take action on this matter.

Company response to consumer: Closed with explanation