vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: OK

Complaint narrative:
I enrolled in a debt relief program marketed and administered by The Law Firm of Derek Williams, LLC, formerly known as XXXX XXXX XXXX, in approximately XX/XX/XXXX. I was instructed to make recurring monthly payments into a program savings account in order for the company to negotiate and resolve my debts. 

Between approximately XX/XX/XXXX and XX/XX/XXXX, I paid several XXXX dollars into the program. Payments were directed to XXXX XXXX and related entities, which acted as the payment processor for the program. 

I made all required payments as instructed. However, the debt relief and legal services promised were not meaningfully provided, and no effective debt settlements were completed on my behalf. During this time, I continued to receive collection activity and legal action from creditors. 

I requested an explanation of the fees charged, documentation of services performed, information on any settlements reached, and a refund of unused funds. I did not receive the requested documentation or a refund. 

When I filed a complaint, XXXX XXXX responded that it was only the payment processor and that the complaint belonged to the law firm, confirming that the law firm controlled the program and directed the use of the processor. 

I am seeking a refund of unused funds and a clear accounting of fees and services that were not provided as represented.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unfair credit reporting related to multiple closed credit card accounts that continue to be reported with excessive balances, extreme utilization, and ongoing monthly derogatory statuses. 

What happened : I had the following credit card accounts, all of which were closed in XXXX : XXXX XXXX Account closed on or about XX/XX/XXXX, reported balance {$730.00} on a {$500.00} credit limit Capital One Account closed on or about XX/XX/XXXX, reported balance {$860.00} on a {$300.00} credit limit Capital One Account closed on or about XX/XX/XXXX, reported balance {$750.00} on a {$300.00} credit limit Despite these accounts being closed, they continue to be reported with utilization exceeding 100 %, and with monthly derogatory payment statuses continuing into XXXX  and XXXX. These reports give the appearance that the accounts are actively accruing negative behavior even though they are no longer open or usable. 

Additionally, I have not been provided with clear validation explaining : How balances exceeded the original credit limits after account closure Whether post-closure fees or interest were lawfully applied Why monthly derogatory markers continue after closure rather than reflecting a single final status This reporting is misleading and has caused significant and ongoing harm to my credit profile, including inflated utilization ratios and repeated derogatory impacts month after month. 

Why I am disputing this information : The accounts are closed but continue to report excessive utilization The balances appear inconsistent with the original credit limits Monthly derogatory reporting after closure is inaccurate and punitive Proper validation and accounting of the balances has not been provided Resolution I am seeking : I respectfully request that the furnishers : 1.Provide full documentation validating the reported balances, including a complete accounting of fees and interest applied after closure, or 2.Correct the credit reporting to accurately reflect the closed status, eliminate ongoing monthly derogatory reporting, and adjust or remove inaccurate balances as appropriate I am requesting the CFPBs assistance to ensure these accounts are reported fairly, accurately, and in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I cancelled service with XXXX  before renewal XXXX  billed me I complained and XXXX  sent me notice that my account had been cancelled Apple Pay - Goldman XXXX will not resolve complaint in my favor even though I did not receive what they charged me for Cancellation from XXXX  attached and was sent to Apple Pay - Goldman

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Hello, I am writing to formally dispute the conclusion stated in your recent update regarding Case ID : XXXX. 

Your message indicates that the merchandise was delivered to me ; however, this is factually incorrect. I did not receive any physical item. 

This transaction was for a digital event ticket for an event scheduled on XX/XX/year>. As a digital ticket, there was no physical merchandise shipped, no delivery via a carrier, and no item that could be returned. 

Additionally, the decision references valid tracking information, yet the details provided state : - Tracking number : No Shipment Tracking - Tracking company : OTHER There is no legitimate carrier, no tracking number, no delivery confirmation, and no proof of receipt. These details directly contradict the assertion that the merchandise was delivered. 

A refund was issued to the buyer based on an incorrect assumption of delivery that does not apply to digital goods. I respectfully request that this case be re-reviewed and escalated, taking into account that this was a digital ticket and not a shippable item. 

Please provide documentation showing how delivery was determined for a digital ticket, including the method used to confirm access or receipt. Absent such proof, the decision is unsupported. 

I request prompt reconsideration and correction of this error. 

Sincerely, XXXX XXXX XXXX ID : XXXX Transaction Date : XX/XX/year> Amount : {$600.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
On XX/XX/XXXX I entered into a settlement agreement on a credit card debt being collected by Mandarich Law Group. A final judgement was entered on XX/XX/XXXX and I disputed the amount due to payments made by me. I reached a settlement with Florida attorney XXXX XXXX to pay an additional {$1700.00} with the agreement that once the payment was cleared she would file to vacate the judgement. Despite my payment of {$1700.00} clearing the bank on XX/XX/XXXX and repeated emails to her reminding her of her obligations under the agreement she still has not filed the motion to vacate the Judgement, even though she has sent emails saying that she is going to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company 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 2026-01-30 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: TX

Complaint narrative:
Background : 1. I was a tenant at XXXX XXXX XXXX XXXX until XX/XX/year>. All legitimate balances, including rent and move-out fees, were paid in full before vacating the unit ( see Exhibits 14 ).

2. XXXX XXXX XXXX issued a final bill of {$780.00}, which I formally disputed due to calculation errors and fabricated charges. In that dispute, I requested clear itemized bills for any balance I allegedly owed ( see Exhibit E1 ). Four months after this dispute, XXXX XXXX XXXX admitted their fraudulent charges, as shown in Exhibit E2.

3. I have never refused to pay any lawful balance. In my first dispute of the final bill, I challenged only the incorrect and fraudulent charges and requested itemized statements for any legitimate amounts owed. I clearly stated the same in my second dispute regarding the collection notice sent in XX/XX/year>, as documented in Exhibits E1 and E3.

4. In my dispute letter ( Exhibit E3 ), I specifically requested itemized bills showing the alleged balance of {$280.00}. Columbia Debt Recovery LLC, d/b/a Genesis, however, did not provide any such bills, and I challenge anyone to prove that I received them. Instead, they directly reported this alleged debt to credit bureaus.

5. These actions by both XXXX XXXX XXXX and Columbia Debt Recovery LLC have caused inaccurate reporting on my credit file and undue stress. 

Complaint : XXXX XXXX XXXX Apartments engaged in fraudulent and improper billing practices. 

Columbia Debt Recovery XXXX failed to validate the alleged debt before reporting it to credit bureaus. 

Both parties have violated the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by reporting inaccurate, unverified debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX I received my monthly credit report and noticed that it reflected that not all of my accounts were paid on time. I have never not paid an account on time so this alerted me to check my credit report. I saw that a new " Collection/Charge off '' had been added to my account with LVNV Funding LLC , the source of the debt was from XXXX with a company called " XXXX XXXX ''. I have never once received any communications from XXXX XXXX before to address the fraud early on and the collection agency LVNV Funding LLC has made no attempt to contact me or inform me of this debt, I was notified through checking my credit report. I want to be clear, this is not a debt of mine, I have never once shopped, opened a line of credit, or visited XXXX XXXX companies. I called XXXX  and they advised me to file a police report and a report with the CFPB. XXXX  notified me that they have opened an investigation and notified the other two major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: PINNACLE FINANCIAL PARTNERS, INC.
State: IL

Complaint narrative:
Is stiil show delinquency account on transunion credit report and on XXXX XXXX XXXX and my XXXX point they took from my credit reporting XXXX i want to bring a federal lawsuits against XXXX credit reporting violates of the fair credit reporting act 607 ( b ) 611 609 and other section of the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I request that the information with this institution be corrected I show up with XXXX accounts XXXX open XX/XX/year> with an amount of {$4800.00} account ended in XXXX Other open XX/XX/year> with an amount of {$7600.00} account ended XXXX I have no relationship with it and my place of residence is in Pennsylvania Both accounts with Capital One Bank USA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-01-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XXXX XXXX blocked my California XXXX benefits card and restricted access to my unemployment benefits without meaningful notice or explanation. I am unable to reach customer service. These are government-issued benefits, and the continued restriction is causing hardship. I am requesting immediate access to my funds or written notice stating the legal basis for the restriction and steps to resolve it.

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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I financed an XXXX  XXXX in the amount of {$4900.00} through XXXX XXXX ( issued by Comenity Capital Bank ) under a 24-month deferred interest promotional plan. 
At the time of enrollment, I was not clearly informed that the balance had to be paid in full before the promotional expiration date ( XX/XX/XXXXXXXX   ) to avoid retroactive interest. I understood it to be a promotional 0 % plan as long as required payments were made on time. 
From XX/XX/XXXXXXXX  through XX/XX/XXXX, I made all required monthly payments on time and the account remained in good standing. The account was set to automatic minimum payments, and the online account interface did not clearly indicate that the minimum payment amount would not satisfy the promotional terms or prevent retroactive interest. 
Prior to the promotional expiration date, I did not receive a clear and prominent advance reminder that a remaining balance would result in retroactive interest being added to the account. 
In XX/XX/XXXX, approximately {$2700.00} in deferred interest was added to my balance. This amount represents a substantial portion of the remaining balance despite two years of consistent on-time payments. I only became fully aware of the retroactive consequence after the charge appeared on my statement. 
Since the deferred interest was added, regular purchase APR interest has continued to accrue on the increased balance. As my concerns remain unresolved, the financial impact continues to grow despite my consistent payment history and good standing. 
I contacted the company and requested a goodwill review, offering to immediately pay the remaining principal balance if the deferred interest could be removed or substantially reduced. The response provided was a general policy statement that the charges were accurate and could not be removed. My concerns regarding disclosure clarity, advance notification, and account design were not substantively addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
In late XXXX, my mortgage servicer sent a group email related to my forbearance status that improperly included multiple unrelated borrowers in the same email thread. As a result, my personal email address and the fact that I am engaged in mortgage forbearance communications were disclosed to individuals I do not know. 

After I raised concerns, the servicer acknowledged in writing that this disclosure was the result of human error and apologized. However, no clear explanation was provided regarding exactly what information was exposed, how many recipients received it, or what safeguards were implemented beyond general assurances. 

Following this disclosure, I experienced a significant and ongoing increase in unsolicited financial solicitations, including robocalls, voicemail messages, text messages, and emails offering personal loans. These communications reference specific loan amounts, underwriting status, and previous loan requests that I did not make. The calls and messages come from rotating phone numbers across multiple states and appear to be automated or lead-broker driven. 

I am a recent victim of identity fraud and had previously been forced to change banking information and replace phones due to fraudulent activity. The renewed surge in unsolicited financial contact after this disclosure has caused serious concern, stress, and disruption for my family. The situation has escalated to the point that my wife has also begun receiving unsolicited messages, including at her workplace.

I have taken steps to mitigate the situation by documenting the calls, texts, emails, and voicemails, and by revoking consent with at least one of the calling companies and requesting that my number be removed. Despite this, the unwanted contact has continued.

I am a business owner and can not simply stop answering unknown calls, which has compounded the disruption. I have attempted to work with the servicer to address the issue, but I have not received a complete accounting of the disclosure or meaningful remediation for the downstream impact. 

I am submitting this complaint to request proper review, accountability, and remediation related to the improper disclosure of my information and the resulting harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my Experian credit report. I have reviewed my report and identified several accounts, inquiries, and late payment entries that are either inaccurate, incomplete, or have not been properly verified as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Charged-Off / Derogatory Accounts The following accounts are reporting as charged off or derogatory. I dispute the accuracy, completeness, and/or ownership of these accounts and request that Experian require the furnishers to provide proper verification : XXXX  XXXX Account ending XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, Balance {$470.00} ) XXXX  XXXX Account ending * * * * XXXX ( Opened XX/XX/XXXX, Balance {$540.00} ) Bankruptcy Case number XXXX ( Filed XX/XX/XXXX ) Inquiries The following inquiries appear on my Experian report. I do not recognize or recall authorizing each of these inquiries, or they may not have been made for a permissible purpose under the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am requesting proof of permissible purpose for each inquiry or removal if such proof can not be produced. 

Late Payments The following accounts are reporting late payment history that I dispute as inaccurate or misleading : XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXXXXXX World Finance Account ending XXXX XXXX XXXX XXXX XXXXXXXX

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