vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the XXXX XXXX XXXX account associated with XXXX XXXX, currently appearing on my credit report. The account is reported inconsistently across the credit bureaus : XXXX : Open account / Loan type : Factoring company account / Pay status : Collection Equifax : Loan type : Debt buyer account / Narrative code XXXX Collection account These classifications are inconsistent and misleading. A single account can not simultaneously be reported as a factoring account and a debt buyer account while also showing collection status. Under the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate, complete, and not misleading. I am requesting full verification of this account, including : 1. Documentation proving that XXXX XXXX XXXX legally purchased this debt from XXXX XXXX 2. Original signed contract/Documentation showing the original account balance and terms 3. Clarification of the correct account classification and status If XXXX XXXX XXXX can not provide proper verification or correct the account classification, I request that this account be removed from my credit report immediately. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
On Saturday, XX/XX/XXXX, I received notification that my credit score decreased by XXXX points because of a delinquency reported by OneMain Financial for a Brightway credit card that I had closed in XX/XX/XXXX. I immediately disputed the delinquency, and on Monday, XX/XX/XXXX, I contacted OneMian Financial to investigate, and they reported to me this was an error on their end and told me they would fix it and report it to the credit bureau. They were charging me fees on a closed account that they had reopened. My concern is that my credit score dropped significantly as a result, and also that this issue follows having been the victim of fraud with OneMain Financial, and they had to cancel my credit card on multiple occasions and issue a new one, yet the same disputed charges continue without any way for it to be occurring on my end. I contacted the XXXX XXXX XXXX about the fraud and that was also when I closed the account because of so many problems. This signals to me that this is an internal issue on their end and that they are allowing consumers to be defrauded. I asked if they had made any further investigations and if I could be emailed a resolution and was told that that was a different team that they couldn't put me in contact with which was also suspicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc
State: FL

Complaint narrative:
I am writing to file a complaint regarding a debt currently being serviced or collected through January on behalf of XXXX Bank and/or XXXX XXXX XXXX XXXX XXXX ). I was presented with a balance of {$4600.00} ; however, I have not been provided with proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have not received : A copy of the original signed agreement or contract A full payment history showing how the balance was calculated A breakdown of interest, fees, or additional charges added to the account Additionally, the platform provided ( XXXX ) does not offer a clear or sufficient method to submit a full written dispute with supporting documentation. There is no accessible or responsive direct email for submitting a formal dispute, which limits my ability to exercise my rights under federal law. Instead, the platform appears to push consumers toward negotiating or setting up payments without first validating the debt. This is concerning and may constitute unfair or deceptive collection practices. I am requesting full validation of this debt and proper documentation before any further collection activity continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MECHANICS BANK
State: CA

Complaint narrative:
XXXX ( XXXX XXXX XXXX ) has been attempting to collect a debt for the amount owed for repossession of a 2018 XXXX XXXX of {$29000.00}. The truck was sold some years ago by XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX for around {$24000.00} thereby reducing any amount owed to XXXX ( collector for Mechanic 's Bank XXXX XXXX ). I mailed a copy of the online report showing the truck was sold, the VIN and when and for how much, however XXXX continues to attempt to collect {$29000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I sent {$300.00} through Zelle using my XXXX Bank account after being deceived by an impersonation scam. The individual posed as someone I knew, but the actual recipient name ( XXXX XXXX XXXX ) does not match the person I intended to pay. I reported the transaction immediately after sending it and requested a stop payment and fraud assistance. XXXX has no record of my initial report and confirmed that no recall request or notification was sent to the receiving bank. I contacted both XXXX and Zelle multiple times, including speaking with a supervisor. XXXX stated there are no recovery options for this type of fraud and took no recovery action despite immediate reporting. This transaction was made under false pretenses and should not be treated as a standard authorized payment. I am requesting a re-review of this case and appropriate recovery efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am submitting this complaint regarding the forfeiture of XXXX Citi ThankYou Rewards points after Citibank closed my credit card account. Citibank previously informed me that my account was closed due to too many recently opened accounts. This was described as a credit risk decision and not due to any fraud, misuse, or violation of terms and conditions. Prior to the account closure, I had already earned XXXX ThankYou Rewards points through legitimate spending on the account. These points were not pending or conditionalthey had already been awarded based on completed purchases. While I understand that Citibank may choose to close accounts for risk-related reasons, confiscating already-earned rewards in the absence of any misconduct is unfair and inconsistent with reasonable consumer expectations. I fulfilled all requirements to earn these rewards and paid for transactions in full. I previously attempted to resolve this matter directly with Citibank, but they declined to reinstate the points. I am requesting that Citibank either : 1 ) Reinstate the XXXX ThankYou Rewards points, or 2 ) Provide a cash equivalent for the value of those rewards. Thank you for your review.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding a debt collection account being pursued by Align Balance , LLC for an alleged debt originally owed to XXXX in the amount of {$5100.00}. I formally dispute this debt and have requested validation pursuant to the Fair Debt Collection Practices Act. At this time, I have not been provided sufficient documentation to verify : That the debt is valid and accurate That Align Balance , LLC has legal authority to collect That the amount being claimed is correct Additionally, Align Balance , LLC does not provide an accessible or functional email address for submitting a full written dispute. The only communication method provided is a limited dispute request system that does not allow me to request all documentation required under federal law. This creates an unnecessary barrier to exercising my rights and prevents me from properly disputing the debt in writing. Despite this, collection efforts have continued. I am requesting : 1. Full validation of the debt, including a complete chain of assignment and original signed agreement 2. Immediate cessation of collection activity until validation is provided 3. Removal of any inaccurate or unverified information reported to credit bureaus If this debt can not be properly validated, it must be deleted and all collection efforts must cease. I am requesting this matter be investigated and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My bill should have been paid off a long time ago. I keep getting {$38.00} late fees and now my account has only fees from the company, not any balances from my purchases, only fees. I called and let them know I was not getting my bills, and that I thought it was paid in full but they keep on tacking on fees and late fees. I now owe over {$300.00} in all fees??? I have tried to call and fix this issue back in XXXX of 2025, but still more fees are charged. Please help, I don't own anything in purchases, just fees keep getting charged. I can not afford this as a single mother. I just want to close my account ASAP. Thank you!

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 2026-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am submitting a complaint regarding Capital Ones handling and reporting of my account. The account is currently reporting as Charged Off / Paid in Full. I resolved the balance in XXXX by contacting Capital One directly and making a payment over the phone in good faith. During that interaction, I was given the understanding that resolving the account would result in a more favorable reporting outcome. However, the account continues to report as a charge-off. Additionally, Capital One sent a letter dated XX/XX/XXXX stating that copies of my monthly statements would be mailed separately. As of today, I have not received those documents. Without the promised documentation, I am unable to verify the accuracy of the reported delinquency history, charge-off amount, or payment application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am submitting this complaint regarding the forfeiture of earned credit card rewards following the closure of my Bank of America credit card account. I was a Bank of America customer for over XXXX years and maintained my accounts in good standing for the majority of that time. Recently, my household experienced a temporary financial disruption due to a combination of real estate-related expenses and an unexpected interruption in income. My husband is XXXX XXXX military, and during a recent government shutdown, he did not receive a paycheck. This created a temporary but significant financial strain. During this time, I made efforts to proactively manage my financial obligations and sought assistance from Bank of America. Despite these efforts, my credit card account was closed. At the time of closure, I had accumulated XXXX rewards points, earned through legitimate purchases. When I attempted to redeem these rewards, I was informed that they were forfeited because the account was closed for a reason other than inactivity. However, the credit card agreement states that rewards may be subject to immediate forfeiture, in our sole discretion, meaning forfeiture is discretionary, not mandatory. Additionally, the rewards are still visible in my account summary but marked as restricted, suggesting they have not been fully removed, only withheld from redemption. Importantly, once my financial situation stabilized, I paid the outstanding credit card balance in full as soon as I was able to do so. This reflects my intent to honor my obligations and resolve the situation responsibly. I was not provided a reasonable opportunity to redeem my rewards prior to forfeiture, despite actively attempting to address my account during a temporary hardship. Given : My long-standing relationship with Bank of America My history as a responsible customer My proactive efforts to resolve my financial situation The temporary nature of the hardship, including military-related income disruption The fact that I ultimately paid the balance in full The discretionary nature of the forfeiture policy I am respectfully requesting that Bank of America apply that discretion in my favor and provide a goodwill resolution. Specifically, I am requesting one of the following : Reinstatement of my XXXX rewards points for redemption, OR A statement credit or equivalent compensation reflecting the value of those points This request is being made as a reasonable goodwill exception under the circumstances. I appreciate your time and consideration and look forward to a fair resolution.

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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
" On XX/XX/year>, my vehicle was repossessed by American Honda Finance Corporation ( Honda Financial Services ). I immediately paid the full past-due balance on the same day as the repossession. Despite confirming payment, Honda Financial Services refused to authorize same-day release of my vehicle and customer service representatives stated that no one was available to speak with me regarding the recovery/repossession department. I am being told I must wait XXXX business days for release despite having satisfied the past-due obligation in full. This delay is causing significant hardship as I depend on my vehicle. I am requesting immediate reinstatement authorization and same-day vehicle release. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute fraudulent charges on my Wells Fargo credit card account and to request a thorough reinvestigation. On XX/XX/XXXX, I identified a {$2100.00} transaction and a {$100.00} cash advance fee on my account that I did not authorize. I reported this immediately to Wells Fargo. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating that no fraud was found. The determination was based on a XXXX deposited into an account under my name. However, I reviewed the provided check copy and confirm that the signature is not mine. Although the check was made payable to me, I do not have an account with XXXX XXXX and did not deposit or authorize this transaction in any form. On XX/XX/XXXX, I took the following actions : Visited a Wells Fargo branch, where a representative assisted in reopening the fraud claim and submitting my written statement along with a police report. Contacted XXXX XXXX, which confirmed that I do not hold an account with them and therefore could not initiate a claim. Filed a police report regarding the fraudulent activity. On XX/XX/XXXX, I received a second letter dated XX/XX/XXXX, stating that I had authorized the transaction. No supporting documentation or explanation was provided. This conclusion is inconsistent with the facts, including that the check was payable to me and deposited into an account at a bank where I have no account relationship. I also received correspondence dated XX/XX/XXXX, indicating that the matter remained under review. However, on XX/XX/XXXX, I received a secure message stating that the case had been closed with a finding that I authorized the charges. I formally dispute this conclusion. I did not sign, authorize, endorse, or deposit the check in question, nor did I authorize any related transaction. Additionally, I have reason to believe my mail may have been compromised, as my neighborhood experienced mailbox break-ins in XX/XX/XXXX. On XX/XX/XXXX, I requested documentation supporting your determination and was informed the case would be reopened. I have also filed a dispute with 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 monetary relief