vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I purchased a couch with XXXX XXXXXXXX using Acima financing. I made this purchase XX/XX/XXXX of 2022. After being the couch home we decided we didnt like the way it felt and we returned the couch of XX/XX/XXXX of 2022 to XXXX XXXX is XXXX WV. Because we were only approved for a limited amount we didnt find another one we liked and didnt get another couch and the purchase agreement was canceled and the product returned in full. I thought that was the end of the mattter. Recently Im trying to purchase a new home and I had a credit pull to find out Acima is on there for a collection of XXXX XXXX in the amount of {$1700.00}. I contacted XXXX XXXX and they transferred my to there Acima finance lady in store. She couldnt find any record of the return and only could see were I made the first initial payment XX/XX/year>2022 and made the last payment owed XX/XX/scrub> 2022 to bring the account even when I returned it on the XXXX. She could see where Im still being charged for the remaining balance of {$1700.00}. She said she couldnt help me any further and gave me corporate number directly for Acima leasing. Ive called several times and havent gotten any response or help from anyone regarding this matter. I need this account to be taken care of and these records found so it can be taken off my credit report as a collection and owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting and failure to properly validate a debt. The account in question has a last payment date of approximately XX/XX/XXXX. However, it is currently being reported with activity in XX/XX/XXXX, which is inaccurate and misleading. I disputed this account with the credit bureaus, and it was marked as verified without correcting clear errors. The account contains multiple entries listed as Invalid date, indicating incomplete and unreliable data. This demonstrates that the furnisher does not have accurate records and could not have conducted a reasonable investigation. I also sent a certified debt validation request asking for the original signed agreement, full payment history, proof of ownership, and verification of all reported dates. The company did not provide sufficient documentation to validate the debt. Despite this, the account continues to be reported. Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. Due to the presence of invalid data fields and inconsistent reporting, this account can not be properly verified. I am requesting a full investigation and deletion of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 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:
UPON THOROUGH CREDIT REPORT REVIEW, I UNCOVERED UNAUTHORIZED ACCOUNTS, INDICATIVE OF POTENTIAL FRAUD. A FORMAL COMPLAINT WITH THE FTC HAS BEEN LODGED, ADDRESSING THIS SEVERE BREACH OF PERSONAL INFORMATION. I INSIST ON THE IMMEDIATE REMOVAL OF ALL UNAUTHORIZED INFORMATION FROM MY CREDIT REPORTS, GIVEN THE XXXX DATA BREACH IDENTITY THEFT AND ONGOING FTC INVESTIGATION. UNDER FCRA SECTION 605B, BLOCK ANY AND ALL DISPUTED ACCOUNTS DURING THIS INVESTIGATION. COMPLIANCE IS EXPECTED TO SAFEGUARD MY RIGHTS AND ENSURE CREDIT REPORT ACCURACY. ASSERTING MY RIGHTS UNDER 15USC1681A, 15USC1681B, 15USC1666B AND 15USC1692G, I DEMAND THE IMMEDIATE DELETION OF ANY AND ALL CONTESTED INFORMATION AND CESSATION OF REPORTING ACTIVITIES. THIS MATTER REQUIRES URGENT ATTENTION AND SWIFT RESOLUTION. FAILURE TO COMPLY WILL PROMPT LEGAL ACTION TO PROTECT MY RIGHTS AND SEEK REDRESS FOR HARM CAUSED. PROMPT CORRECTIVE ACTION IS ANTICIPATED. 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT- This account are inaccurate and fraudulent. I am seeking Litigation. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT- This account are inaccurate and fraudulent. I am seeking Litigation. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing XXXX days prior, I was not. As the original creditor only, I can validate this debt. I DO NOT VALIDATE THIS DEBT- This account are inaccurate and fraudulent. I am seeking Litigation. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX 5. The following personal information is incorrect Employers : XXXX 'S XXXX. The following personal information is incorrect Employers : 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 non-monetary relief
Consumer complaint received 2026-04-28 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: Experian Information Solutions Inc.
State: MD

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 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
On XX/XX/XXXX, Current Bank decided to exercise their right to permanently close my account with a remaining balance of XXXX dollars. There was no reasoning specified to the foreclosure on my account. I attempted to contact Current Bank but to no avail and I have also left a demand email, questioning the remaining funds and status of my account. There were also still charges being authorized after the foreclosure of the account without access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I am disputing this account as I am not legally liable for the charges being reported by National Credit Systems , Inc. on behalf of XXXX XXXX XXXX XXXX. At the time of move-in, I documented and reported pre-existing damages, including stains and condition issues within the unit. I also formally requested a move-in inspection checklist via email, which was never provided by the property management. This failure to provide proper move-in documentation directly impacts the validity of any claim that I caused these damages. Upon being contacted by the collection agency, I immediately disputed the debt and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). I submitted documentation supporting that the damages were pre-existing and reported at the beginning of my tenancy. The collection agency failed to provide proper validation and instead disregarded my documentation while continuing collection efforts. This includes attempts to pressure me into accepting responsibility rather than fulfilling their legal obligation to validate the debt. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), all reported information must be accurate and verified. Reporting this account without a reasonable investigation and without validating the debt is a violation of federal law. Account XXXX. XXXX Amount {$77000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received a fraud alert regarding unauthorized transactions on my Avant credit card, including XXXX charge of {$30.00} and XXXX charges of {$52.00} each labeled XXXX XXXX. I immediately responded that I did not authorize these transactions. On XX/XX/year>, after not receiving follow-up, I contacted Avants fraud department. During that call : * I spoke with multiple representatives who confirmed a fraud dispute would be initiated * I was told my card would be replaced within XXXX days * I was informed the fraudulent charges would be addressed Despite these assurances, as of XX/XX/year> : * I had not received written confirmation of any completed fraud investigation * I had not received a replacement card * The fraudulent charges remained on my account Since that time, the situation has worsened. My account now shows : * A current balance of approximately {$230.00} * A past due amount of {$92.00} * Continued accrual of late fees and interest tied to the fraudulent transactions Additionally : * Avant has reported late payments to the credit bureaus * My credit limit has been significantly reduced ( from approximately {$3000.00} to {$300.00} ) * I have received repeated collection calls and notices On XX/XX/year>, I sent a formal written dispute via email requesting removal of all fraudulent charges, reversal of fees, and correction of credit reporting. As of today, I have received no response. I have made multiple good-faith attempts to resolve this issue, including phone calls and written communication. Avant has failed to properly investigate or resolve this fraud claim and continues to report inaccurate and harmful information to the credit bureaus. This has caused significant financial harm and damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rosenberg & Associates Recovery Services
State: TX

Complaint narrative:
Someone from the number XXXX keep calling me XXXX times per week, I have ask them to stop calling me. I tried blocking the number on my phone but it continues to get through. I looked the number up and it's a robocaller. I need for it to stop it starts as early as XXXX until XXXXXXXX XXXX I know everyone I owe money too or have done business with. I just want the hareassing calls to stop.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: GA

Complaint narrative:
It is debt collection from XXXX XXXX that was sold to Jefferson capital but looking at the time of the debt their trying to get is from a time at XXXX years old when I wasnt able to get a phone with them and I am being XXXX usd for a debt I couldnt have even owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Complaint Against Capital One Incomplete Investigation and Inaccurate Payment Reporting I am submitting this complaint regarding Capital Ones handling of a credit reporting dispute. I disputed the accuracy of the payment history on my account, specifically providing documentation of payments made after the account was charged off. These payments are not being accurately reflected in the reported payment history. In my dispute, I also requested : - An explanation of how post charge-off payments were applied - Copies of call logs and internal account notes - A review of the documentation I submitted showing proof of payment Capital Ones response failed to address any of these issues. Instead, they provided copies of account statements and stated the account was accurate, without explaining how my documented payments were evaluated or applied. They did not address : - Why post charge-off payments are not reflected accurately - Whether my submitted documentation was reviewed - The method used to investigate my dispute - My request for call logs and internal account records This response appears to be a generic verification rather than a reasonable investigation as required under the Fair Credit Reporting Act. I am requesting that Capital One : - Provide a full accounting of all post charge-off payments and how they were applied - Explain how the reported payment history was verified despite my documentation - Provide requested internal records, including call logs and account notes - Delete any inaccurate reporting if they are unable to verify the accuracy of the payment history I have made multiple attempts to resolve this issue directly, and Capital One has failed to provide a substantive response. They continue to report my account as derogatory without reflecting the thousands I paid monthly. They continue to ignore that they charged off after their staff advised me how to avoid it and I sent the proof of payments made as advised. I am requesting a proper investigation and correction of the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
Reference prior complaint # XXXX, which was resolved in my favor on XX/XX/year>, after repeated filings with the CFRB regarding this fraudulent Robinhood Credit Card charge . Despite that formal resolution, Robinhood unlawfully re-reported the exact same fraudulent charge again on XX/XX/year>. Since then, I have made multiple attempts through both email and customer support chat to resolve this matter. Each time, Robinhood representatives confirmed that the dispute had already been resolved in my favor and that the charge was to be permanently removed. Yet, as of today, the charge remains on my account. This ongoing misconduct constitutes repeated financial harassment, negligent account management, and failure to honor a previously resolved dispute, causing significant stress, wasted time, and continued harm over the past XXXX months. I respectfully request that the CFRB take immediate enforcement action against Robinhood Credit Card for its continued noncompliance, impose appropriate penalties, and order {$100000.00} in compensation for the prolonged harassment, financial distress, and damages I have suffered as a result of this repeated fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MA

Complaint narrative:
I been waiting on my paycheck from chime almost XXXXmonths and no answer nothing I tried and tried and nothing Im fed up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IA

Complaint narrative:
The company stated they were unable to locate my account in their system. However, the account continues to be reported on my credit report and has recently been updated to " closed. '' This is contradictory. If the company can not locate or verify the account, they should not be reporting it at all. Updating the account to " closed '' does not resolve the issue of inaccurate or unverifiable reporting. Under the Fair Credit Reporting Act, any information that can not be verified must be removed. I am requesting the immediate deletion of this account from all credit reporting agencies due to the company 's inability to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am in receipt of your response regarding the alleged account in the amount of * * {$3000.00} * * currently being reported/collected by XXXX XXXX XXXXXXXX You previously indicated that this account would be removed from all credit bureaus ; however, despite that representation, it remains on my credit report. Your failure to honor that commitment raises additional concerns regarding the accuracy and legality of your reporting practices. Your response is insufficient and does not meet the requirements of proper validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). You state that the account was transferred or assigned to XXXX XXXX XXXX ; however, you have failed to provide the following : 1. Complete chain of assignment showing your legal ownership of this debt 2. A full accounting of the alleged balance, including all fees, interest, and payments 3. Verification that I have a contractual obligation directly with XXXX XXXX XXXX 4. Proof that the alleged contract bears my valid signature and was executed lawfully Providing a copy of a generic contract or application does not constitute proper validation. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report only accurate and fully verified information. Reporting unverified or incomplete information is a violation of federal law. Until proper validation is provided, you must : - Cease all collection activity - Remove this account from all credit reporting agencies Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau and potential legal action for violations of federal law. This is not a refusal to pay, but a notice that your claim is disputed and validation is required. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AR

Complaint narrative:
My account was hacked without my knowledge, I found out who it was I handled the situation so they no longer have access to my account. Chime closed my account XX/XX/year>, they told me to wait 30 days which I waited and when I tried to re-open chime told me that they couldnt open my account. I kept asking WHY?? They never gave me an answer this is very frustrating!! Its not fair how they treating me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Meta is taking money from my Credit Card without permission through Bank of America. I had an old " ads campaign '' that recently turned back on without my authorization. XXXX ran ads on XXXX until I caught it and disabled it. I attempted to reach anyone at XXXX and find a number. XXXX does not have one, not one I could find working. I then attempted to use the chat support, however it is AI driven and only tells me the billing team is unavailable. Yet the chat tells me they are the only ones that can help me. The system never lets me get to someone that can respond. I emailed XXXX and have never received a response back. I disputed the transaction with my bank, Bank of America. They successfully removed the charge, but XXXX went and just billed me again. This practice is fraudulent if I they can just charge me without my authorization. As a large company they need to set the example for doing good for the tech world, and its definetely not this. The future is bleak if we can not get human intervention and protection from AI looping us around and not giving us the ability to rectify or communicate with the company we do business with...

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 monetary relief