vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I disputed this Navy Federal Credit Union credit card account with both the credit bureaus and directly with the furnisher from XX/XX/XXXX through XX/XX/XXXX. Despite this extended dispute period, the account continues to report without dispute notation and reflects material inconsistencies across consumer reporting agencies. The reporting has not been reconciled and raises serious concerns regarding accuracy, uniform furnishing, and the adequacy of the reinvestigation conducted. XXXX Failure to Report Ongoing Dispute This account was disputed during the period referenced above. However, the tradeline does not reflect that it is currently in dispute. The continued reporting of this account without dispute notation, after receiving disputes through multiple channels, constitutes a serious compliance failure and calls into question whether any lawful reinvestigation occurred. Accurate reporting must include the fact that the account is disputed when that is the case. XXXX Date of Last Activity Is Not Reported Uniformly The Date of Last Activity differs materially : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This is not a minor formatting variance. XXXX reflects a last activity date nearly XXXX years older than the other bureaus. If legitimate account activity occurred in XX/XX/XXXX, that activity should be reported consistently across all bureaus. Material discrepancies in last activity dates affect : Account aging Recency interpretation Scoring impact Risk modeling The reporting is not uniform and reflects inconsistent furnishing of core account data. XXXX Structural Reporting Variance Months Reviewed The account reflects materially different reporting windows : XXXX : 4XXXX XXXX reviewed XXXX XXXX XXXX XXXX reviewed XXXX : XXXX XXXX reviewed The same account should not reflect materially different historical reporting ranges across bureaus. This variance raises concerns regarding incomplete or inconsistent furnishing of historical payment data. XXXX XXXX XXXX XXXX Concerns The payment history reflects a XXXX delinquency in XX/XX/XXXX. Given that this account has been formally disputed and continues to report without dispute notation, the furnisher must be able to validate : The billing cycle closing date The due date for that cycle The missed payment The date the account became XXXX XXXX delinquent If this delinquency can not be validated with accurate and consistent documentation across all bureaus, it should not continue to be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Self Financial Inc.
State: NC

Complaint narrative:
So I received a Self Credit Card with a {$200.00} credit limit on Monday ( XX/XX/year> ) I made a payment of {$28.00} cause they said I owed {$25.00} on XX/XX/year> so I went ahead and paid the {$28.00} once I submitted the payment on XX/XX/year> at XXXX they LOCKED my card on XX/XX/year> without calling and informing me or anything I went to go use the card to get gas and groceries once I tried using the card it declined and every time I call the support they tell me it was cause of a suspicious activity when I never used the card but those two times and it never went through!!! So now they stole my money they have my identity and they closed my card without informing me without telling me why making me pay money just for me to not be able to use my card that is a scam and I am out of money they literally scammed me! Once the payment finished being processed they hurried and shut my card down before I could use it and their reason for doing so was cause it was suspicious activity this company need to be sued and I want my money back and I want to sue them!!! I will be taking them to court! It is to many people saying self credit is a scam and now I see why!!! They are scammers!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ability Recovery Services , LLC Compliance Department Re : CFPB Complaint ID XXXX Alleged Creditor : XXXX XXXX To Whom It May Concern : This correspondence is in response to your written reply submitted in connection with the above-referenced complaint filed with the Consumer Financial Protection Bureau XXXX Your response states that Ability Recovery Services , LLC is acting as a third-party collection agency on behalf of XXXX XXXX and that an Enrollment Agreement has been provided as verification of the alleged account. However, the documentation referenced does not constitute proper validation of the alleged debt as required under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. An enrollment agreement alone does not establish the validity of the alleged balance, nor does it demonstrate your legal authority to collect or report the account. In order to properly validate the alleged obligation, please provide the following documentation : A complete payment and billing history for the alleged account Documentation establishing your legal authority to collect on behalf of XXXX XXXX, including any assignment, placement, or servicing agreement The original contract or agreement bearing my signature Documentation demonstrating the accuracy of the amount currently being reported Records reflecting the date of default and a full calculation of the balance claimed Additionally, pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), any information furnished to consumer reporting agencies must be accurate and verified through a reasonable investigation. Absent the production of the above-referenced documentation, the continued reporting or collection of this alleged debt may constitute violations of federal law. Accordingly, if Ability Recovery Services , LLC is unable to provide the requested documentation, you are hereby requested to immediately cease collection activity and request deletion of this account from all consumer reporting agencies to which it has been furnished. Please govern yourselves accordingly.

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 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I requested a debt validation letter from the debt collector as required under the Fair Debt Collection Practices Act ( FDCPA ). The collector failed to provide the requested validation and continues collection efforts without supplying proper documentation verifying the debt. This failure to provide validation after a formal request is a violation of my rights under federal law. I am requesting that the collector either provide proper debt validation documentation or cease all collection activity and remove the account if they can not verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: IN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information currently appearing on my credit report. I recently reviewed my credit file and identified late payment reporting associated with the following account : Creditor Name : Capital One Bank Account Number : XXXX Reporting Late as of XX/XX/XXXX Creditor Name : FIRST XXXX BANK Account Number : XXXX Reporting Late as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The reporting of late payments on this account is inaccurate and misleading. I am requesting a full investigation of this matter pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Under federal law, you are required to ensure that any information reported on a consumer credit file is complete, accurate, and properly verified. If the furnisher of this information can not provide verifiable documentation that these alleged late payments were reported accurately and in compliance with the FCRA, the information must be immediately removed from my credit file. Please provide the following during your investigation : 1. Documentation showing the method of verification used to confirm the alleged late payments. 2. Copies of any records or statements used to validate this reporting. 3. The name and contact information of the party that verified the information. If this information can not be properly verified with competent evidence, I request the * * immediate deletion of the late payment entries * * associated with this account. Additionally, please be advised that continued reporting of inaccurate or unverified information may constitute a violation of the Fair Credit Reporting Act. I expect this matter to be handled promptly within the legally required investigation period. Upon completion of your investigation, please provide me with written confirmation of the results, along with an updated copy of my credit report reflecting any corrections made. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX is falsely reporting a collection, I have strong rights under both The Fair Debt Collection Practices Act and the Fair Credit Reporting act 15 U .S.C 1692g and 15 U.S.C 1681s-2.Midland Credit Management account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete reporting of my federal student loan accounts by Equifax, Experian , and TransUnion. My credit reports currently show an average age of accounts of approximately 8 months, which is materially inaccurate and does not reflect my actual credit history. I have seven federal student loan accounts reported under the Department of Education that were opened between XXXX and XXXX. These accounts represent over 1012 years of credit history and should be reflected in the calculation of my credit profile. These loans were legally discharged due to my XXXX rating through the Department of Veterans Affairs, and all balances were brought to {$0.00} with the accounts closed on XX/XX/XXXX. The accounts include the following : Department of Education Accounts XXXX. Opened XX/XX/XXXX Highest balance {$2500.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1000.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1700.00} Closed XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX balance {$1000.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1700.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$1700.00} Closed XX/XX/XXXX XXXX. Opened XX/XX/XXXX Highest balance {$3000.00} Closed XX/XX/XXXX All of these accounts show : {$0.00} reported balance XXXX late payments Closed accounts with satisfied obligations Despite this, the credit reporting agencies are not properly reflecting the full historical age of these accounts, and my credit file incorrectly reflects an average credit age of only 8 months. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer credit reports. 15 U.S.C. 1681i requires credit reporting agencies to conduct a reasonable reinvestigation when information is disputed and correct any inaccurate or incomplete information. By failing to properly include the full history of these Department of Education accounts, the credit reporting agencies are maintaining a credit report that does not accurately reflect my credit history. This inaccurate reporting materially impacts my creditworthiness and ability to obtain credit.

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 2026-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Made my regular payment only XX/XX/XXXX, after a number of days the payment was never taken out, tried to contact them with no success. Tried emailing and did get an automated response that they would get back to me shortly. No email. Continued to check my account payment never deducted. On XX/XX/year> I finally spoke to XXXX who told me he couldnt help me transferred me to XXXX who told me she had no access to my account, transferred me on hold no one ever picked up. I finally got tired of waiting hung up and sent an email to XXXX. Received an email that my payment failed and what I discovered that they tried to take it from an account that was closed and that I would be charged {$50.00} service fee. XX/XX/year> Talked to XXXX gave her my loan number she put me on hold and never picked back up after on hold for XXXX minutes I hung up. Tired to login to my account and was locked out, created a new XXXX and got on XX/XX/year>, entered new bank infomation for the second time and they still took it out of the closed account again. Very frustrated never missed a payment and do not want my credit effected. If I could just get a way by either phone help or email I would like to resolve this.Dont know what to do if I cant get anyone to communicate with me to try and resolve this so I can pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/year> at XXXX XXXX, a representative called my mother 's phone number from XXXX and asked to speak with XXXX XXXX ; they began discussing the debt with my mother only asking if this was XXXX XXXX and did I live at XXXX XXXX XXXX, XXXX Ohio XXXX. At that time, it was requested that the company provide debt validation in order to verify this debt, it was requested that they send documentation that they was authorized to collect on this debt and also any documentation that they had between myself and the alleged creditor. I requested any and all proof of any information they had to validate this debt and also the debt was being disputed. The representative kept saying that they have documentation of the requested items, at that time they was informed that they called the wrong number and that they had given sensitive information to another party. Per the Fair Debt Collection Practices Act, this company is required to provide me in writing by mail Proof of the Obligation, Proof that they are legally authorized to collect this debt in the state of Ohio, and Itemized statement. None of these documents I have ever received before they contacted my mother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding inaccurate and potentially unlawful credit reporting related to a repossession account being reported by Credit Acceptance Corporation. The account currently reports a repossession and a deficiency balance of approximately XXXX dollars. I dispute the accuracy, legal validity, and verification of this balance and the information being furnished to consumer reporting agencies. Under the Fair Credit Reporting Act, all information furnished to consumer reporting agencies must be accurate and fully verifiable. Reporting unverifiable or misleading information violates FCRA 1681e ( b ), 1681i, and furnisher responsibilities under FCRA 1681s-2. The Fair Debt Collection Practices Act prohibits false, deceptive, or misleading representations in connection with the collection or reporting of a debt under FDCPA 1692e and unfair practices under FDCPA 1692f. Repossession and sale of collateral must comply with Uniform Commercial Code Article 9 including UCC 9-610 requiring commercially reasonable disposition of collateral and UCC 9-611 requiring proper notice of sale to the consumer prior to disposition. Additionally, under federal tax law 26 USC 6050P, if a debt has been canceled or discharged, a creditor XXXX be required to issue a Form XXXX. Continued collection or credit reporting after cancellation or failure to properly account for cancellation may raise compliance concerns. Because the balance, repossession reporting, and deficiency calculation have not been properly verified and may not comply with federal and commercial law requirements, I request that the Consumer Financial Protection Bureau investigate this matter and require the furnisher to provide complete documentation or delete this account from all consumer reporting agencies. Continued reporting of inaccurate, misleading, or unverifiable information may constitute willful noncompliance with federal consumer protection laws. dispute the repossession and deficiency balance reported by Credit Acceptance Corporation. The balance and repossession details can not be verified. Reporting inaccurate information violates FCRA 1681e ( b ), 1681i and 1681s-2. The repossession may also violate UCC Article 9 requirements for commercially reasonable sale and proper notice. If the deficiency calculation and documentation can not be verified, the account must be deleted. Continued reporting may constitute willful noncompliance under federal law.

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 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app tells me my account is suspended I dont know why I just want the suspension to be lifted and a new card sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
The company gave me a truck and said I can trade it in after 6 months and didn't trade bc the car is 2016 with high mileage now I can't trade it in .. forced to pay XXXX for a used car I had for 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: LA

Complaint narrative:
I am dealing with ED-financial and they keep showing that I owe a balance that keeps going up when I should have had this payed off years ago and department of education and ED-financial said its going through a long process of being forgiven and wiped out and a amount of overpay will be given bk to me but this has been going on for 16 years and it keeps going up every month XXXX to XXXX dollars on my credit report I call back and they said to me several times that it will eventually be removed off my credit report in 3 to 9 months after the discharge of my balance that was overpaid will be given back to me I have way way over payed on all this 2 to 3 times over the barrow amount of XXXX before any interest was applied this has destroyed my credit score from XXXX down to XXXX alone all my other debt is payed off and is XXXX but yet I cant get this issue dealt with by Ed- financial or the department of education after ( 16! ) years what is going on please help they will not give me a answer at all that makes any sense other than endless excuses or leading me blind. Thank You! : )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XXXX, XX/XX/XXXX I sent a XXXX payment to a seller outside the country in the amount of {$140.00} for XXXX Water and XXXX XXXX peptide plus shipping fee. The seller seems to of not sent so I tried to purchase from a different seller on XXXX, XX/XX/XXXX in the amount of {$150.00} ( same items just a bit higher. ) when I sent the payment I was notified by PayPal that it failed and they then sent me an email saying " You can't use Paypal anymore '' stating that there is activity in my account that goes against the user agreement and I can no longer use Paypal services. They then said that any money in my PayPal account would be held for XXXX days after which I'd get an email on instructions on how to transfer this. They gave me a reference ID : XXXX. I was not aware that I could not send the XXXX that I bought to someone for these items. I have a wedding coming up and have {$34000.00} in savings and another {$840.00} in bitcoin that I had been buying to invest in all locked now in PayPal and I can not access either one. I have to be able to get to this money so that I can use to pay for my wedding and can not wait XXXX XXXX. I am fine with no longer using PayPal services as I don't want them anymore anyway but I have to be able to access this money to transfer over to my XXXX XXXX XXXX account in XXXX, Iowa so that I can pay for wedding costs as my wedding is in XXXX XXXX and a lot of these items will need to be paid for before then.

Company response to consumer: Closed with non-monetary relief