vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 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: NC

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian , and XXXX  regarding multiple hard inquiry entries appearing on my consumer credit reports that were generated without my knowledge, without my authorization, and without verified permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After carefully reviewing my credit files from all three consumer reporting agencies, I discovered numerous automotive and financial inquiry entries that suggest I applied for credit products that I do not recall requesting or authorizing, creating a misleading and inaccurate representation of my financial behavior. On my Equifax report, the following inquiries appear : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my Experian report, the following inquiries appear : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries collectively suggest multiple automotive financing applications within a condensed timeframe, which I did not initiate. Under FCRA 602, consumer reporting agencies must ensure fairness, accuracy, and privacy in credit reporting systems ; under 607 ( b ), they are required to follow reasonable procedures to assure maximum possible accuracy; under 604 ( a ) ( 3 ) ( A ), inquiries may only be reported when a legitimate permissible purpose exists; under 609 ( a ) ( 1 ), I am entitled to full disclosure of all information contained in my file; under 611 ( a ), the bureaus must conduct a reasonable reinvestigation upon dispute ; under 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted ; and under 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. The continued reporting of these unauthorized hard inquiries falsely implies active credit-seeking behavior, may negatively influence credit scoring models and underwriting decisions, and has caused harm to my credit profile, reputation, and financial opportunities. Despite my good-faith efforts to review and monitor my credit file, these inaccuracies remain, reflecting a failure to maintain reasonable verification procedures and compliance with federal consumer protection 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 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I received a text on XX/XX/XXXX from XXXX stating they were Credit Collection Services and I had a debt collection against me. The text seemed like a scam and so did the website. However the site said I owed XXXX {$50.00}. That was a bill a received from XXXX in XX/XX/XXXX and I contacted XXXX regarding that bill. I was told it would be resolved once an old account was linked to a new account. When I received that text from Credit Collection Services I contacted XXXX on XX/XX/XXXX and spoke to a chat agent who said the bill would be zeroed and resolved. I was also told that XXXX would contact Credit Collection Services to resolve the issues. I wrote a letter to Credit Collection Services including screenshots of my communication with XXXX stating facts and that the issue would be resolved. I did not receive any communication from Credit Collection Services regarding my letter. Instead, for the next 3 weeks every Friday I received a text from Credit Collection Services stating a debt collection against me. Today, I contacted XXXX again and confirmed that my XXXX bill was {$0.00} and no amount was owed. I wrote another letter to Credit Collection Services with those communication screenshots. I fear that no one is actually running the website, no one reads the letter communications and they will continue to contact me and hurt my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
How come I haven't received an update on the status of my cash? It's has been over 10 days Plus. How long does it take to conduct an investigation? I have been patiently waiting. You have caused me to be late on alot of my payment with Vendor 's and caused me pain, suffering, emotionally stress, XXXX, and mentally draining that I am unable to keep my payments the way I used to having organized and paid on time. At this I will be letting my lawyer know to proceed with the next in the legal process to resolve this matter. I understand it's takes 45 days for you to return my refund from XXXX of a XXXX dollars. This isn't the issue at hand. My issue now is you all ( Cash app representatives ) stated I violated terms and conditions. I placed an appeal back in XX/XX/2026. It's now XX/XX/2026 and I haven't heard nothing from Cash App ( phone, email, text, mail, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am filing this complaint against Pentagon Federal Credit Union ( PenFed ) for the unlawful, indefinite seizure of my funds and the deliberate evasion of state banking regulations. 

Over 24 months ago, PenFed froze my account after I deposited a check that fully cleared the issuing bank. PenFed demanded a private bank statement from the check issuer 's institutionan impossible demand requiring a third party 's confidential financial records.

PenFed has kept my account frozen for over two years. This is no longer an " active investigation '' ; it is an illegal seizure of assets based on an expired risk. PenFed is currently violating two major regulatory standards : ZERO Financial Liability ( UCC Violations ) : Under the Uniform Commercial Code ( UCC ), the maximum statute of limitations for an issuing bank to claim check fraud or initiate a chargeback is one year. Because over 24 months have passed, the issuing bank is legally barred from returning this check. PenFed faces ZERO financial risk, yet continues to HOLD my money. 

Evasion of Abandoned Property Laws : Under state law, dormant bank accounts must be escheated to the State after three years of inactivity. By refusing to officially close my account, PenFed is warehousing my money in a perpetual " FROZEN '' status to avoid their legal obligation to surrender the funds. 

Please note : My PHONE NUMBER and RESIDENTIAL ADDRESS have changed since this account was initially frozen. PenFed must use the updated contact information provided in my CFPB profile for all communications and final check disbursement.

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 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: MS

Complaint narrative:
There is an individual named XXXX XXXX XXXX using my XXXX XXXX account, whom I don't know, and I can't access it, he's also using my XXXX account tagged to my number unauthorized, I've already reached out to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Be cause of the high interest rate and how my payments are applied to principal and interest amounts, my negative equity is increasing in amount. I have tried to refinance but with the way my payments are processing, my debt to income ratio has made it impossible. I cant even get a personal loan to cover the negative equity in order to sell the vehicle. There have been 2 payments this year and both of them have gone entirely to the interest. Not one XXXX to the principal. Contacting them is useless because there employees are rude and dont want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
On XXXX/2025, my business purchased a 2026 Genesis GV80 Prestige ( VIN XXXX ) from a XXXX dealership in Georgia for {$74000.00}, financed through Genesis Finance at {$82000.00} over 72 months at 2.99 % XXXX. 
The dealership did not fund the finance contract with Genesis Finance until approximately XXXX/2026XX/XX/XXXX 25 days after the contract was signed. This delay directly caused the failure to register the vehicle in Massachusetts, where I reside. 
As of XXXX/2026XX/XX/XXXX 71 days after purchase the vehicle is still not registered. A second temporary tag was issued on XXXX2026XX/XX/XXXX, confirming the first registration attempt failed. 
Despite the vehicle being legally inoperable, Genesis Finance has collected every monthly payment ( $ XXXX ) without offering any deferral, credit, or accommodation. I have paid {$8200.00} in loan payments, insurance premiums, and state taxes/fees on a vehicle I can not legally drive. 
I have contacted Genesis Finance and XXXX Consumer Affairs multiple times seeking resolution. Each department directs me to the other. No one accepts responsibility. No payment relief has been offered despite the delay being entirely caused by the dealership and the finance company 's XXXX funding delay. 
Additionally, the warranty start date was set to XX/XX/XXXX 15 days before I received the vehicle on XX/XX/XXXX resulting in lost warranty coverage. The dealership also recorded a false " first use '' date of XX/XX/XXXX. 
I was also sold a {$2000.00} XXXX XXXX XXXX contract at the point of sale without adequate disclosure that Genesis already provides comprehensive factory coverage at no additional cost, including XXXX bumper-to-bumper warranty, XXXX powertrain, and complimentary roadside assistance. 
I am requesting : immediate payment deferral until the vehicle is registered, reimbursement of payments collected during the period the vehicle has been inoperable, and a full refund of the {$2000.00} service contract.

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 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXDear Sir or Madam,XXXXI am writing to formally dispute certain information currently being reported on my consumer credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C.  1681).XXXXAfter reviewing my credit report, I have identified information that may be inaccurate, incomplete, unverifiable, or misleading. Under  611 of the Fair Credit Reporting Act (15 U.S.C.  1681i), you are required to conduct a reasonable reinvestigation of any disputed information and remove or correct any information that cannot be verified.XXXXSpecifically, I dispute the following items:XXXX  Any accounts not belonging to meXXXX Any late payments reported inaccuratelyXXXX  Any balances that are misstatedXXXX Any duplicate accounts\n Any outdated negative informationXXXX Any accounts reporting incorrect dates of first delinquencyXXXX  Any collection accounts or charge-offs that cannot be properly validatedXXXXUnder  607(b) (15 U.S.C.  1681e(b)), you are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, under  623 (15 U.S.C.  1681s-2), furnishers of information have a duty to provide accurate information and to conduct a proper investigation upon receiving notice of a dispute.XXXXIf any of the disputed items cannot be verified, they must be deleted from my credit file in accordance with federal law. Please provide me with:XXXXWritten confirmation that a reinvestigation has been conducted.XXXXThe name, address, and telephone number of any furnisher contacted during the investigation.XXXXA copy of my updated credit report reflecting any corrections or deletions.XXXXPlease complete this reinvestigation within the XXXX-day timeframe required by  611(a)(1) of the FCRA.XXXXI request that all future correspondence regarding this matter be in writing.XXXXThank you for your prompt attention to this matter.XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I recently discovered that a collection account from Caine & Wiener in the amount of {$240.00} was reported on my credit file. I do not recognize this account and have no knowledge of any debt associated with this company or the alleged original creditor. 
After becoming aware of the account in XX/XX/year>, I submitted a written dispute requesting validation of the debt. In my dispute, I requested documentation identifying the original creditor, a complete account history, and proof that the collection agency is authorized to collect this debt. At this time, I have not received sufficient documentation verifying that this debt belongs to me. 
Despite the lack of verification, the account has been reported on my credit report, which I believe may constitute inaccurate or unverified reporting. This has caused concern regarding the accuracy and integrity of my credit file. 
I am requesting that the company : Provide proper validation of the alleged debt Cease collection activity until validation is provided Remove the account from all credit reporting agencies if it can not be verified as accurate and belonging to me I am seeking a fair resolution and correction of any inaccurate credit reporting in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Clark County Collection Service
State: CA

Complaint narrative:
To Whom It May Concern, I am formally disputing the civil judgment Case No. XXXX currently appearing on my credit report arising from a case filed in the XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada ( originally filed in XXXX and reportedly renewed in XXXX ). 

I was never properly served with a summons and complaint in this matter and had no notice that a lawsuit had been filed. Because I was not properly served, the court lacked personal jurisdiction over me at the time the default judgment was entered. A judgment entered without proper service is void.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of disputed information. Please provide : 1. Verification of the judgment, 2. Copies of documentation demonstrating proper service, 3. The name and contact information of the furnisher who verified this item. 

If proper documentation can not be produced, this item must be deleted from my credit report immediately. 

This letter serves as formal notice that I dispute the accuracy and legal validity of this judgment. 

Please provide written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MI

Complaint narrative:
Company called TrueAccord keeps sending messages every couple weeks and the only messages I have saved as proof date back from XXXX XXXX XXXX  telling me to resolve your account just for {$120.00} through the recent messages of XX/XX/XXXX saying to take care of your outstanding balance when I never heard of them or opened an account with them. I just started to get random texts from them & it scares me cause I never opened an account and to think about it I think the messages started even way before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I disputed the account and no action from the company was taken. This account is not mine and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am submitting this complaint regarding the continued credit reporting of a Bank of America credit card account that has been disputed multiple times over a period of several years. 

Despite prior disputes and investigations, the account continues to reflect inconsistent and potentially inaccurate information across the credit bureaus. The reporting varies with respect to account rating, reported high balance, creditor remarks, and dates of last activity. 

The account has appeared with differing classifications between bureaus, including variations in how the account status is described. In addition, the reported high balance is not consistent across reports, which raises concerns regarding the accuracy and reliability of the information being furnished. 

Creditor remarks associated with the account also differ between credit bureaus, resulting in conflicting descriptions of the accounts condition and history. Such inconsistencies may create a misleading or confusing representation of the account. 

Given that this account has been disputed repeatedly over multiple years, the persistence of contradictory data fields raises concerns regarding the accuracy of the furnished information and the procedures used to verify the reporting. 

I am requesting that Bank of America review the reporting of this account for accuracy and consistency. If any information can not be verified as accurate, complete, and consistent across the credit bureaus, I request that the information be corrected or removed accordingly. 

Under the Fair Credit Reporting Act, information furnished to consumer reporting agencies must be accurate and complete. I respectfully request that Bank of America conduct a thorough review of this tradeline to ensure that all reported information is accurate, consistent, and supported by appropriate records. 

I am seeking correction or removal of any information associated with this account that can not be verified as accurate, complete, and reported consistently across all credit bureaus.

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 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I am submitting this formal complaint and demand for immediate correction regarding serious servicing errors, the transfer of my mortgage loan from XXXX XXXX XXXX  XXXX, XXXX to Fay Servicing , LLC, effective XXXX  XXXX, 2025 ( see Exhibit # XXXX Transfer Notice ). 

Chronology of Errors After the transfer, Fay Servicing issued a billing statement dated XX/XX/year>, for the XX/XX/year> payment cycle, showing a Total Amount Due : {$0.00} ( see Exhibit # XXXX XXXX Billing Statement ). 

Based on this official statement, no XXXX payment was due. 

Despite this, in XXXX  2025, Fay Servicing issued a subsequent statement alleging that I owed both XXXX and XXXX payments, and withdrew XXXX months of payments from my bank account ( see Exhibit # XXXX XXXX Mortgage Statement ). 

This action directly contradicts Fay Servicings own prior billing statement and constitutes : Improper billing Misapplication of payment obligations Creation of a false delinquency for XXXX  2025 I am attaching a Verification of Mortgage ( VOM ) confirming zero late payments on this loan ( see Exhibit # XXXX XXXX, XXXX Lates ). 

Material Harm and Industry Impact As a direct result of XXXX XXXX errors, my refinance with a new lender is now jeopardized, as the loan is being reflected as 30 days late for XXXX  2025, despite : A {$0.00} amount due statement for that month, and Documentary proof of no late payments. 

This inaccurate reporting is causing material financial harm, including : Potential denial or delay of my refinance Exposure to higher interest rates Reduced loan-to-value ( LTV ) terms Long-term damage to my standing with lenders across the mortgage industry. 

My explanation Follows a letter from my new Bank, XXXX XXXX XXXX. trying to refinance, here is what they said : XXXX XXXX XXXXXXXXPM ( XXXX hours ago ) to me XXXX XXXX XXXX As we been talking about all week. When you closed your loan. the note has a 1st payment due date if XXXX. In the XXXX statement there is no payment due at that time as it shows 0 for the month of XXXX. In XXXX now you have a statement of XXXX dollars more than double your payments and there is no explanation for that for that month. You paid it in XXXX and your servicer Fay has not given us an explanation. at this time im moving forward because they can not provide us with any reason as a late in XXXX. 

Please have them explain what occurred? 


Thank you, XXXX, company name XXXX XXXX XXXX XXXX www.ForwardLendingMtg.com | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX NMLS XXXX Loss Payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation