vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I am filing this complaint regarding the inaccurate and unverified reporting of a collection account by Americollect Inc related to XXXX XXXX XXXX in the amount of {$1300.00}. This account is currently being reported across XXXX, XXXX, and XXXX, despite multiple disputes and clear inconsistencies in the reporting. KEY VIOLATIONS 1. Failure to Conduct Reasonable Investigation ( FCRA 15 U.S.C. 1681i ) The credit reporting agencies have failed to perform a lawful investigation. The account continues to report with : Conflicting dates ( opened, last activity ) Missing required fields ( payment history, account details ) Duplicate or inconsistent reporting entries This indicates a superficial or automated verification process, which does not meet statutory requirements. 2. Furnisher Reporting Inaccurate and Incomplete Data ( FCRA 1681s-2 ) Americollect Inc has furnished information that is : Incomplete Inconsistent Unsupported by documentation They have failed to provide evidence of a contractual obligation or validated debt. 3. FDCPA Violations Failure to Validate Debt ( 15 U.S.C. 1692g ) Americollect Inc has not provided : A signed agreement Proof of assignment Full accounting of the debt Despite this, they continue reporting, which constitutes continued collection activity without validation. 4. Medical Debt Reporting Compliance Issues This account originates from a medical provider ( XXXX XXXX XXXX ). The furnisher has not demonstrated : Lawful authority to disclose medical billing data Proper compliance with permissible purpose requirements 5. Failure to Provide Method of Verification ( FCRA 1681i ( a ) ( 6 ) ) I have requested the method of verification, and it has not been properly provided. Requested Resolution I am requesting the following : Immediate deletion of this account from all credit reporting agencies Full documentation validating the alleged debt Identification of the party and method used to verify the account Assurance that all reporting complies with federal law Notice Failure to resolve this matter will result in further escalation, including : Federal Trade Commission complaint State Attorney General complaint Civil litigation for willful and negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
This scammer ( XXXX XXXX XXXX XXXX aka XXXX from the website ) is well known by the XXXX for it's scams and scummy practices. They are fraudulently claiming I owe TD Bank a debt despite the account being settled and closed. The debt in question does not appear on my credit reports. The name listed in the fake debt collections letter I received in the mail also does not match the spelling of my name as it appears on my social security number card. I also am a victim of identity theft from the XXXX XXXX XXXX data breach in XXXX, as well as the ransomeware attack on XXXX XXXX XXXX XXXX in XXXX. According to experian there are multiple locations on the dark web where my sensitive information is available for purchase. There is a FTC Identity Theft report filed with this information. I never opened a credit card with TD Bank so there is no way that I can owe them money. I did use them as a checking account at the time of my sensitive information being leaked and identity being stolen. Ultimately, I lost about {$2000.00} from unauthorized, fraudulent debits made, even internationally. But nothing was owed to the bank since it was my money, not theirs. TD Bank did not comply with my attempts to dispute these debts at the time, so all I could do was have the account closed. In short, I do not owe this debt. It is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When we bought the car the APR was 3.99 % but just after 10 days APR went down to 1.99 %. So I need a APR adjustment

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 2026-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX, XXXX, Capital One closed my account due to FRAUD. I am not responsible for the FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I left my company JP Morgan Chase on XX/XX/year> Two weeks before I left I notified the 401 k plan provider empower that I will need to rollover the balance into a different 401 k for my new company. They informed me that I would need to wait 5 days after leaving to be eligible for a rollover. I was also informed that I will be receiving the full balance of Approximately XXXX XXXX including the companys match. When I tried conducting the rollover only XXXXXXXX XXXX was available to rollover. I have escalated multiple complaints to resolve this issue however no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
To whom it may concern, I am writing to formally report a series of banking errors by Bank of America that have left my account with a negative balance and an additional loss of over {$1200.00}. Despite multiple attempts to resolve this with the XXXX department, the bank has provided logically impossible explanations and is refusing to restore my funds. The Details of the Error : ATM Failures ( ~ {$800.00} ) : Several ATM transactions were debited from my account despite being marked as " Declined '' in the bank 's own internal logs. I never received this cash. Hotel Double Charges ( ~ {$400.00} ) : There are duplicate charges from La XXXX XXXX. I have verified with La XXXX XXXX that these are errors, yet Bank of America has failed to reverse them. Regulatory Violation : Bank of America is in violation of XXXX XXXX They have acknowledged the " Declined '' status of the ATM transactions but are claiming " ATM Merchants '' reversed the fundsan impossibility for a transaction that never rendered. Furthermore, they have refused to provide the required provisional credit while " re-filing '' a dispute I already initiated weeks ago this has left me stranded homeless and without transportation.

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
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
am writing regarding a collection account that is currently being reported on my credit report. This account has been marked as closed, yet it continues to appear as a negative collection item. I previously disputed this account and attempted to resolve the matter directly with the company, but no resolution was provided. The account is being reported in a way that is misleading and does not accurately reflect its current status. Since the account is closed, it should not continue to be reported in a manner that negatively impacts my credit without proper verification. I am requesting a full investigation and the complete removal of this account from all credit bureaus due to inaccurate and incomplete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I had approximately {$100.00} in my Google Play balance funded with my own money through a gift card. On XX/XX/year>, I asked XXXX to let me transfer that balance to Google Wallet or withdraw/refund it. XXXX refused and relied on its policy that, in the United States, Google Play balance is generally not refundable, not transferable, and not redeemable for cash, except where required by law. XXXX public policies also show that users in XXXX, XXXX, and XXXX have refund options for certain redeemed balances that are not being made available to me as a XXXX consumer. My complaint is that XXXX is holding {$100.00} of my money in a closed stored-value system while refusing to provide a reasonable method to recover unused funds. This leaves my money trapped in Google Play. I believe this practice is unfair and inadequately disclosed because consumers fund these balances with real money, but XXXX users are denied a practical way to cash out, transfer out, or close the balance. I am requesting recovery of my unused balance and review of this policy.

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: Incomm Holdings Inc.
State: FL

Complaint narrative:
I received a {$50.00} XXXX gift card that was issued by InComm and purchased at a XXXX on XX/XX/XXXX at XXXX pm. On XX/XX/XXXX at XXXX someone tried to charge the card for {$43.00} on XXXX and they detected fraud and blocked the charge thankfully. A few days later on XX/XX/XXXX at XXXX another fraud attempt for aliexpress went through on the card without my approval for {$49.00} leaving my gift card with a balance of only XXXX cents. I filed a dispute for this claim with XXXX and XXXX and they denied my dispute and would not return my money back to my card. After already detecting suspicious activity and blocking the XXXX fraud charge they went ahead and allowed the XXXX fraud charge to go through. I am highly upset with how they are handling this and are even ignoring me at this point so I was left with no choice but to take it up with further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I previously submitted a do-not-call request to Nissan Motor Acceptance Company ( NMAC ) and have written documentation confirming that my number was to be placed on their do-not-call list. Despite this, I received a call from XXXX ( XXXX ) XXXX on XX/XX/year> at XXXX. I did not answer the call, as it disconnected before I could pick up. However, the call itself still constitutes a violation of my prior request to not be contacted by phone. This is not the first time I have taken steps to prevent contact, and I have already filed a complaint with the CFPB regarding this matter. The continued attempt to contact me disregards my documented request and raises concern about compliance with consumer protection laws. I am requesting that this issue be reviewed and that appropriate action be taken to ensure my number is fully removed from any call lists and that no further contact attempts are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Klarna AB
State: VA

Complaint narrative:
I am disputing an inaccurate " XXXX days past due '' report from Klarna Inc. that is mathematically impossible based on a month-by-month accounting of my payment history and the XXXX billing cycle. This XXXX installment contract began in XX/XX/XXXX, with standard monthly installments of {$23.00} due on the XXXX of each month. Due to my consistent, early, and bulk payments, I created a buffer that kept my account paid ahead of schedule at all times. The chronological mapping of my payments completely invalidates the reported XXXX delinquency for XX/XX/XXXX : The Initial Buffer ( Paid through XX/XX/XXXX ) : On XX/XX/XXXX, I made a down payment of {$50.00}, which satisfied my initial obligation up to the XX/XX/XXXX due date. This pushed my next scheduled payment to XX/XX/XXXX. I then made XXXX additional early payments of {$23.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These XXXX advance payments satisfied my XXXX, XXXX, and XXXX obligations, pushing my next required due date to XX/XX/XXXX. The XXXX Payments ( Paid through XX/XX/XXXX ) : I made XXXX more early payments of {$23.00} on XX/XX/XXXX, and XX/XX/XXXX. This additional {$47.00} satisfied the XXXX and XX/XX/XXXX billing cycles, making my account fully paid through the XX/XX/XXXX due date. The XXXX Payment ( Paid Ahead ) : On XX/XX/XXXX, I made an advance double payment of {$47.00} ( marked by Klarna as " Paid Early '' ). At the time Klarna reported my account as " XXXX days past due '' for XX/XX/XXXX, my consistent early payments had already satisfied all obligations for that period. Furthermore, my credit file shows a " XXXX '' status for XX/XX/XXXX ; jumping directly to a XXXX delinquency the very next month without a mandatory XXXX late marker violates standard reporting procedures. XXXX system clearly failed to allocate my early payments correctly, instead triggering an automated and catastrophic delinquency flag over an erroneous {$4.00} discrepancy. This is a severe violation of the XXXX XXXX XXXX Acts requirement for accurate reporting, and I am requesting an immediate correction of my record alongside compensation for the resulting damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: CA

Complaint narrative:
I am filing a complaint regarding Capital Ones denial of my dispute for charges totaling {$4500.00} paid to XXXX XXXX XXXX for auto repair services that were never completed. I made two payments : {$1900.00} on XX/XX/XXXX {$2600.00} on XX/XX/XXXX These payments were for engine and transmission repair services. At the time of payment and for many months afterward, the merchant repeatedly told me the work was nearly complete and would be finished within a week or two. Because of these repeated assurances, I had no reason to believe there was a problem within the first 60 days after each transaction. I reasonably relied on the merchants representations that the service was being completed. Over time, it became clear that the work was not being done. When I attempted to retrieve my vehicle on XX/XX/XXXX, it was still disassembled and not drivable. The merchant has continued to delay and is now largely unresponsive. On XX/XX/XXXX, the merchant stated : When I get to it is when I get to it. I filed a dispute with Capital One once it became clear that the services would not be provided. Capital One initially issued a temporary credit but later denied the dispute solely on the basis that it was filed outside of 60 days. This is not a typical late dispute. This is a case of non-receipt of services and ongoing misrepresentation by the merchant, which prevented me from identifying the issue within the 60-day window. I am requesting that Capital One reopen and reconsider my dispute and reverse the charges based on the full circumstances and supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX XXXX, 2026 I was notified that a charge was being declined through text. I called Citi Card to let them know this was not my charge and neither were XXXX other charges : {$480.00}, {$41000.00} and {$1400.00} totaling over {$3000.00}. All the charges took place on XXXX XXXX, 2026 within XXXXXX/XX/XXXX. They said they would put it as disputed. I looked at my account and see they disputed XXXX other charges to the same business. I called Citi to tell them the XXXX charges for on XXXX XXXX for {$82.00} and XX/XX/XXXX for {$96.00} should not be disputed. Those are my charges. I have calledXX/XX/XXXX times. I spoke to a supervisor at Citi Cards XXXX weeks ago, XX/XX/year>2026, and she stated those charges are fraudulent and would resubmit for my account to be credited. They denied it again.

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
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting a complaint regarding a Capital One account being reported on my credit file. This account was opened in XX/XX/ 2025 through an online promotional offer that did not require a traditional credit application or standard underwriting process. Shortly after opening, the account was closed by Capital One. The reporting reflects Account closed at credit grantors request. I did not request the closure of this account. Despite this, the account continues to be reported as a standard credit account, without any clarification regarding the nature of the account opening or the reason for the creditor-initiated closure. I previously disputed this account through the credit bureaus. The response indicated that the account was verified, yet no documentation has been provided to support : A signed application The method of identity verification used Justification for the creditor-initiated closure The reporting of this account has negatively impacted my credit profile, despite no late payments or misuse on my part. I am requesting : Documentation supporting the validity and authorization of this account The method of verification used Correction or deletion of this account if it can not be properly validated At this time, the creditor has failed to provide sufficient evidence to support the continued reporting of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: TX

Complaint narrative:
I am filing a complaint against Equifax regarding an inaccurate and unverifiable collection account being reported on my credit file. The account is listed as a collection with the original creditor XXXX XXXX XXXX, with a balance of {$3400.00} and a date opened of XX/XX/year>. However, there is no clear identification of the collection agency or furnisher responsible for reporting this account. This lack of transparency makes it impossible for me to properly verify or validate the debt. Under the Fair Credit Reporting Act ( FCRA 611 and 623 ), all information reported must be accurate, complete, and verifiable. Additionally, the credit reporting agency is required to provide sufficient details regarding the source of the information. I have not been provided with any documentation, contract, or evidence that proves I have a legal obligation for this debt, nor has Equifax identified the actual data furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Conduent Incorporated
State: IN

Complaint narrative:
I transferred XXXX from my way2go bank into my XXXX XXXX last weekend and I still havent received anything and Way2go number dont even work! I need my money in a XXXX mother of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TN

Complaint narrative:
What happened was is I filed a dispute with XXXX, one of the three major credit bureaus through XXXX XXXX and I even have the case number which I will provide it was submitted on XX/XX/2026 reviewed XX/XX/2026 resolved on XX/XX/XXXX. 2026 XXXX approved dispute number XXXX and they are still trying to tell me that I owe the {$1300.00} well, I did do a payment plan with them and I paid over the 2 months of XXXX and XXXX {$80.00} in total they have to use that within the time span. They are still trying to tell me that I still owe {$1200.00} and that is falsified information because the credit report for the XXXX XXXX was put down at {$1000.00} and the {$40.00} that was paid through XXXX and XXXX all in total {$80.00} has to be put on the new thing per federal laws and I did inform them that they try to tell me that this is what I still owe. But under federal laws they can not use that falsified information and I have contacted a lawyer just for in the case that it has to go to court because they are not allowed to do this and I informed them that there is laws. They do not want to listen to me and they were very disrespectful

Company response to consumer: Closed with explanation