vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Customer Statement XXXX  : # XXXX # XXXXCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT # XXXX # XXXXCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO UNT. CONTACT CONSUMER AT ( XXXX ) XXXX I AM DISPUTING THIS INFORMATION BECAUSE I NEVER WORKED FOR XXXX XXXX RESTAURANT. I HAVE NO EMPLOYMENT HISTORY WITH THIS BUSINESS. THIS INFORMATION IS INACCURATE AND DOES NOT BELONG TO ME. PLEASE INVEST IGATE AND REMOVE IT FROM MY CREDIT REPORT. 
XXXX  : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 
XXXX  : XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 
I did not know how to file the dispute myself, so I paid XXXX XXXX ( XXXX, ( XXXX ) XXXX ) from XXXX XXXX to help me with it. The account now appears removed in XXXX XXXX portal, but XXXX has never sent me proof that it has been deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I signed up for MoneyLions XXXX XXXX XXXX membership, which comes with a small credit-builder installment loan. I was instantly approved. I was not clearly informed that I would be required to remain in the membership for a set period, or that I could not cancel immediately. 

On multiple occasions, starting on XX/XX/year>, I attempted to cancel my membership through the app. Each time, I was given conflicting information by different agents. The app repeatedly showed a short wait time ( about 2 minutes ), yet I waited over 30 minutes without reaching anyone. I have not made any payments on the membership or loan. Despite this, I was told that I must wait two months and commit to the program before cancellation is possible. I believe this is misleading and deceptive
. 

I am requesting that my MoneyLion XXXX XXXX XXXX membership be immediately canceled, that no fees or payments be required, and that no negative credit reporting occurs as a result of this issue. 

I also have two emails. XXXX and I go by 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 2026-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I filed my taxes on XX/XX/XXXX, federal and state, through XXXX. I selected the option for a cash advance. I was approved, but had to open a Credit Karma Spend account. No problem i did just that. Now they have frozen my account and will not let me have access. When I call, it says my account is closed, and they can not give me a reason. It has only been XXXX hours, but why has my account been frozen or closed? This prevents me from accessing my tax refund coming within the next two weeks, and they will not give me any answers. I am afraid this company has the account closed on my end and open on theirs, and will accept my funds from the IRS and steal my money. Please help me. 
The date it has been frozen is XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a new Chase account specifically for the promotional bonus that required keeping {$15000.00} on deposit for 90 days. I deposited the full amount immediately and kept the entire {$15000.00} at Chase for the full qualifying period. I misunderstood the requirement and maintained the funds in the checking account instead of the savings account. 

Chase is refusing to honor the bonus even though the funds were always with Chase for the required amount of time and the intent of the promotion was met. I asked for clarification and a possible courtesy credit, but they declined without offering any reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: OR

Complaint narrative:
I have {$2500.00} trapped in a Credit Karma account. Access was disabled without notice after an address change. No verification process has been provided. This is causing financial hardship. I am requesting immediate release of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian, Equifax, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB Circular XXXX makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

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 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian, Equifax, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB Circular XXXX makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: OK

Complaint narrative:
I have attached the paid-in-full information, and they are still reporting this as a collections which is causing a significant drop in my credit score.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: DC

Complaint narrative:
MG Credit Corp is furnishing and attempting to collect an alleged debt that has not been properly validated and has not been lawfully verified.

I have formally disputed this account and requested validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). MG Credit Corp has failed to provide lawful validation and has failed to establish : Legal ownership of the alleged debt Proof of assignment or transfer Chain of title Authority to collect Authority to report to consumer reporting agencies Proof of consumer liability Proof of balance accuracy Proof of standing to enforce the alleged obligation Despite the absence of lawful validation and proof of authority, MG Credit Corp continues to report this account to consumer reporting agencies, which constitutes unverified furnishing and continued collection activity.

This conduct constitutes violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to : Continued collection without validation Furnishing unverified information Failure to conduct reasonable investigation Misrepresentation of legal status of debt Improper reporting to consumer reporting agencies MG Credit Corp is reporting this account as closed while continuing to furnish a balance, which is misleading and materially inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Requested documents showing accurate information in the contract I have with them and to show it belong to me and was told no and refuse to provide requested information. Was threatened and told they were going to file a lawsuit against me and it would not come off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AS I CONTACTED LAW ENFORCEMENT THEY HAVE STARTED A FULL INVESTIGATION AND I AM NOT SURE BUT I BE ; EIVE THEY HAVE MADE ARREST. THE FOLLOWING ACCOUNTS WAS OPENED WITHOUT MY CONSENT AND I HAVE ATTACHED A POLICE REPORT AND MXXXX XXXX XXXX XXXX XXXX XXXX GO OVER FTC AND XXXX CAREFULLY. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account type : Secured Card Date Opened : XX/XX/XXXX Account Balance : {$960.00} Account Original Balance : {$1000.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Closed Account Type : Credit Card Date Opened : Closed Account Balance : {$3800.00} Account Original Balance : {$5000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account Status : CLOSED Account Type : SECURED LOAN Date Opened : XX/XX/XXXX Account Balance : {$4000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : PAID CLOSED Account Type : Credit Card Date Opened : XX/XX/XXXX Account Balance : {$1000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Status : Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Account Type : COLLECTION Date Opened : XX/XX/XXXX Account Balance : {$1300.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Status : Collection account. {$1600.00} past due as of XX/XX/XXXX Account Type : XXXX XXXX XXXX  Card Date Opened : XXXX XXXX, XXXX Amount Past Due : {$1600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding Bank of Americas refusal to review my credit card dispute based solely on a XXXX time limit, without considering the nature, duration, or structure of the transaction. 

The transaction occurred in XXXX for a prepaid service package totaling {$1500.00}, structured as a multi-session cosmetic treatment program intended to be provided over a period of up to XXXX years, rather than a one-time service. 

After the first treatment, I experienced abnormal and persistent facial heat and burning that continued for several months. Given the long-term nature of the service and the delayed manifestation of the adverse effects, this issue could not have been reasonably identified, evaluated, or resolved within the standard XXXX credit card dispute period. 

I made multiple good-faith attempts to resolve the issue directly with the merchant. The merchant failed to provide any professional medical evaluation or corrective action and instead imposed unreasonable refund conditions, which significantly delayed resolution. 

Once it became clear that the merchant would not provide a fair resolution, I promptly contacted Bank of America to dispute the charge. Bank of America rejected my dispute solely on the basis that it was submitted outside the XXXX window, without conducting any substantive review or considering that this was a long-term service with delayed and ongoing adverse effects. 

This dispute does not involve a simple billing error. It concerns a failure to provide services as agreed, involving delayed discovery and ongoing harm within a long-term prepaid service agreement. I believe Bank of Americas rigid application of the 60-day rule in this context is unreasonable and inconsistent with fair dispute resolution practices.

I am requesting that Bank of America reconsider and properly review my dispute based on the full facts and circumstances of this transaction, rather than dismissing it on procedural grounds alone.

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Banks fraud team has stated that their standard process for disputed accounts is to close the existing account and re-open a new account number. I did not request, authorize, or consent to the closure of the old account or the creation of a new account number. Automatic payments and prior use of XXXX services do not constitute consent to a new credit account. Relying on an internal process or policy does not meet the legal requirement for informed consumer authorization, and the issuance of a new account number without my consent should be treated as an unauthorized account conversion. I did not consent this new account

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I am submitting this complaint to dispute a collection account being reported by Absolute Resolutions that I do not recognize, and do not own. I am not admitting liability for this alleged debt.

This collection appears to be linked to an alleged XXXX XXXX XXXX XXXX charge-off ; however, the same alleged obligation is being reported with materially inaccurate, incomplete, and inconsistent information across XXXX XXXX and XXXX, and across consumer disclosure sources ( including XXXX and XXXX ). These inaccuracies render the reporting not verifiable and violate the Fair Credit Reporting Act ( FCRA ).

FCRA Violations Identified 1. Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. The reporting at issue contains irreconcilable conflicts, including : Conflicting original creditor/original lender fields across bureaus for the same alleged collection
Amount discrepancies between the alleged charge-off and the collection account Account number inconsistencies across bureaus Date-integrity conflicts, including charge-off timelines that do not logically align with later delinquency or activity reporting Personal identifier inaccuracies, including name variations I have never used, raising mixed-file concerns These conflicts demonstrate a failure to maintain accurate and reliable reporting. 



2. Failure to Conduct a Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) I dispute the accuracy and ownership of this alleged account. Upon dispute, consumer reporting agencies are required to conduct a reasonable reinvestigation and delete or correct information that can not be verified.

Given the conflicting core data fields across bureaus, this account can not be verified as accurate or complete, triggering the obligation to delete the tradeline if accurate verification can not be produced. 



3. Furnishers Duty to Report Accurate and Complete Information 15 U.S.C. 1681s-2 ( a ) Absolute Resolutions, as a data furnisher, is required to provide accurate, complete, and consistent information. Reporting the same alleged debt with conflicting balances, creditor identities, account numbers, and timelines violates this duty.

Continued reporting of materially inconsistent data after dispute constitutes noncompliance with these obligations.

Harm to Consumer These violations have materially damaged my credit profile and expose me to adverse credit decisions. The presence of inconsistent identifiers and conflicting data further increases the risk of inaccurate attribution and mixed-file reporting.

Requested Resolution I request that the CFPB require : 1. Deletion of the Absolute Resolutions collection account from XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Complaint for Navy Federal Credit Union I disputed a {$200.00} debit card charge from XXXX XXXX XXXX XXXX  with Navy Federal CU. I initially received a provisional credit, which Navy Federal later removed, claiming the charge was valid. They have refused to provide the documentation or evidence used to reach this decision, despite my right as a consumer to review such information. 

The charge was related to a {$200.00} administrative fee I paid on XX/XX/year>, for a rental application at XXXX XXXX XXXXXXXX XXXX in XXXX, AL. I was informed by the leasing representative, XXXX XXXX, that the fee would only be charged if my application was approved and that I had XXXX days to cancel without being charged. XXXX intentionally delayed processing my application, preventing me from canceling in time. My application was then denied on XX/XX/year>, yet the {$200.00} fee was still charged. 

Since no lease was approved or signed and the service was not provided as agreed, I disputed the {$200.00} fee as unauthorized and improper. Navy Federals refusal to provide supporting documentation or reverse the charge violates my consumer rights. 

* I am not disputing the application fee of {$75.00}, I'm only disputing the administration fee of {$200.00}. However, for my troubles witXXXX XXXX XXXX  XXXX XXXX and Navy Federal, a full reversal would be helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief