vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 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: NJ

Complaint narrative:
On XXXX XXXX, 2025, I initiated a formal dispute with Capital One regarding a charge of {$1500.00} related to a flight reservation with the airline XXXX. The bank issued a temporary credit, which was subsequently reversed on XXXX XXXX, 2026, on the grounds that the merchant had submitted evidence demonstrating the validity of the reservation. However, after requesting and reviewing the evidence used to close said dispute, I have uncovered serious administrative negligence on the part of Capital One : 1. Identity and Data Errors : The " evidence '' submitted by XXXX accepted by the bank as valid justification for debiting my fundsactually pertains to third parties who are entirely unrelated to my account or agreement. The documentation contains names, reservation numbers, and monetary amounts that do not match my identity or the specific transaction under dispute. 2. Lack of Human Review : Capital One closed my case based on erroneous information and documents that bear no relation to me ; this demonstrates a complete failure to exercise due diligence during the dispute investigation process, as mandated by the Fair Credit Billing Act ( FCBA ). 3. Privacy Violation : The bank processed and validated the charge to my account using the personal data of other customersan unacceptable practice that compromises the integrity of the dispute resolution process. Requested Actions to Resolve the Issue : I request the intervention of the CFPB to ensure that Capital One takes the following actions : Issue an immediate and permanent refund of the {$1500.00} to my account. Conduct an internal audit to determine why information belonging to other consumers was used to validate a charge on my personal credit card. Correct or remove any negative credit reporting entries or accrued interest charges resulting from this administrative error. Attached to this complaint is the evidence provided by the bank, which clearly demonstrates that the names and reservation details contained therein bear no relation to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Collection Service
State: PA

Complaint narrative:
United Revenue Collection Service contacted me attempting to collect a {$17000.00} deficiency balance on behalf of XXXX XXXX Bank following a vehicle repossession. The deficiency is inflated and potentially unenforceable for the following reasons. The vehicle a XXXX XXXX XXXX was sold at auction on XXXX XXXX 2025 for {$10000.00}. A current offer from a national car buying platform on the exact same VIN confirms market value of {$20000.00} a {$9100.00} gap demonstrating the auction sale was not commercially reasonable. The pre-sale notice was defective it suggested a first week of XXXX sale consistent with the auction house 's normal schedule but the car was actually sold XX/XX/XXXX outside the regular auction window. I actively monitored the auction website and never saw my vehicle listed. I received post-sale notification 32 days after the sale. I contacted the collection agency and offered good faith settlement of approximately {$7500.00} the legitimate deficiency based on actual market value versus auction price. The collection agency refused and demanded {$14000.00} or full monthly payments on the full {$17000.00} balance without providing any documentation supporting that amount. The underlying repossession was also improper the delinquency shown on the repo order was cured by payments made before the repossession was completed. This collection account has damaged my credit and caused loss of federal student loan eligibility forcing partial withdrawal from my doctoral program.

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 2026-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I opened an American Express Savings account on XXXX XXXX, 2026. My account was locked without warning the week of XXXX XXXX, 2026. I have submitted documents requested by American Express and have phoned over XXXX times to address my concerns, and American Express is unable to explain why my account is locked. As of this email on XXXX/2026 at XXXXpm Central Standard time my savings account is still lock, and I have no access to any of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I contacted several companies asking for my consent where I asked them to continue to run my credit for something. Nobody responded to me about this therefore I have inquiries on my credit report thats never seeming to come off instead more and more is added. I will like this to be removed my credit profile immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Request for Debt Validation To Whom It May Concern : I am responding to your recent communication regarding the alleged debt referenced above. This letter is a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information so I can be fully informed : 1. * * Verification of the debt * *, including : - The name and address of the original creditor - The name and address of the current creditor - The full account number associated with the alleged debt - An itemized breakdown of the amount you claim I owe, including interest, fees, payments, and credits 2. * * Proof of ownership and right to collect * *, including : - Documentation showing that LVNV Funding LLC owns the debt or has been assigned the right to collect it - A complete chain of title from the original creditor to the present - A copy of the original agreement or contract bearing my signature, establishing my obligation to pay 3. * * Account history * *, including : - A copy of the last billing statement from the original creditor - The date of the last payment made on the account - An explanation of any additional interest, fees, or charges added since the last statement and how they are authorized by law or contract Until you provide the above documentation, * * you must cease all collection activity * *, including reporting or verifying this debt with any credit reporting agency, as required under 15 U.S.C. 1692g ( b ). Continuing collection efforts without proper validation may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). Please note that this is not a refusal to pay but a request for validation. I request that all future communication be in writing. Thank you for your cooperation. I look forward to your timely response. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Under FDCPA there are several violations that has been made by Radius Global Solutions, LLC The following violations are : Details of the Violation ( s ) : False or Misleading Representations section 1692e The debt collector falsely claimed I owed a balance to XXXX XXXX, XXXX. that I had already disputed and/or was never substantiated. The debt collector failed to provide proper validation before continuing collection activities. Unfair Practices 1692f The debt collector engaged in unfair practices, such as attempting to collect fees or charges not expressly authorized by the original agreement or permitted by law. Communication with Third Parties section 1692c ( b ) If applicable, The debt collector improperly disclosed details of the alleged debt to third parties without consent.

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 non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
The company is reporting inaccurate information on my credit report, which is negatively impacting my XXXX XXXX. I became aware of this issue recently and reviewed the account details, which do not accurately reflect my records. I have made efforts to address this by reviewing my payment history and monitoring my credit report, but the inaccurate information remains. As of now, the account is still being reported incorrectly, including details related to balance/payment status. I am requesting that the company thoroughly investigate this matter and either correct the inaccurate information or remove the account entirely if it can not be properly verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a medical debt of {$3200.00} that is being reported under my name. I formally requested verification of this debt in writing from both the medical provider ( XXXX ) and the lockheart collection agency, including a final follow-up email when I did not receive a response from either. In my requests, I asked for the dates of service, an itemized billing statement, proof the debt is mine, and documentation of any insurance billing. Despite multiple attempts, including my final email, I have not received any response or documentation from either party. The account continues to be pursued and/or reported on my credit report without proper validation. This lack of response and failure to provide verification is preventing me from confirming the accuracy of the debt. I am requesting that the company provide full validation of the debt or remove the account from my credit report if they are unable to verify it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint directly against Bank of America regarding inaccurate late payment marks on my XXXX credit report for the account ending in XXXX ( full number beginning with XXXX ). Bank of America is currently reporting a 30-day late payment for XX/XX/year>XXXX and a 60-day late payment for XX/XX/year>. Both marks are factually incorrect. My original billing statements for those two months, which I possess show no past due balance and no late payment fees on either statement. I was never late for these months. I previously filed CFPB complaint # XXXX against XXXX regarding these same marks. XXXX 's response was substantively empty it returned a status of " ACTIVE DISPUTE '' with no investigation findings, no explanation of how the marks were verified, and no corrective action taken. This outcome indicates that Bank of America, as the furnisher of this data, is reporting information it can not substantiate and is failing its obligations under the Fair Credit Reporting Act. Under the FCRA, a furnisher has a duty to investigate disputed information and to correct or delete inaccurate data. Bank of America has not done so. The inaccurate late marks remain on my XXXX report to this day. All responses must be submitted directly through the CFPB complaint portal. Mailed responses will not be accepted. Any supporting documentation Bank of America wishes to provide must be attached to their response within the portal.

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 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On the XXXX of XXXX 2026, I called Transworld Systems Inc to pay my XXXX debt I had in full. They gave me a discount, and drop the total from {$450.00} to {$330.00}. I was told that once they recieved there payment, they would request a letter of receipt showing a XXXX balance and it would come in XXXX business days via email. I have called multiple times last week to see if there was anything they could give me showing a XXXX balance and they kept telling me, the email should come soon. Fast forward to the XXXX of XXXX, i still hadnt gotten an email, so i call again and speak with a supervisor that i haven't gotten any email and she tells me, oh they had just mailed it out on the XXXX, instead of emailing it. Then she says she can get me a copy of the letter and it turned out to be someone elses letter and debt situation. I need this letter by the end of tomorrow, in order for my family to get approved for a townhouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
this companies are reporting hard inquiries on my credit report witch i have no clues about, I'm asking that there are deleted

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 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I am writing to file a formal complaint against Midland Credit Management , Inc. ( MCM ) for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g and 1692e ( 8 ). On or around late XXXX 2026, I received an initial collection letter from MCM regarding an alleged XXXX XXXX Platinum XXXX account ( MCM Account # XXXX, balance claimed : {$7600.00} ). Within the XXXX dispute window required by the FDCPA, I sent MCM a written debt validation request via XXXX Certified Mail. My letter was delivered to MCM 's address at XXXX XXXX Big XXXX XXXX, XXXX XXXX, XXXX, MI XXXX on XX/XX/year>2026 at XXXX AM ( XXXX XXXX # XXXX, confirmed delivered ). Despite receiving my timely validation request, MCM proceeded to update and verify this account with Equifax on XX/XX/year>2026 a clear violation of 15 U.S.C. 1692g ( b ), which requires all collection activity to cease until proper validation is provided. Additionally, MCM 's so-called " validation response '' was legally insufficient. They provided only a single billing statement near the charge-off date. They failed to provide : ( 1 ) the original signed credit agreement, ( 2 ) a complete payment history from account opening, and ( 3 ) proper chain of title documentation establishing their legal right to collect. Reporting an unvalidated debt to credit bureaus after receiving a timely validation request constitutes a violation under 15 U.S.C. 1692e ( 8 ), which prohibits communicating false credit information. I am requesting the CFPB investigate this matter and direct MCM to immediately delete this tradeline from all three credit bureaus ( Equifax, Experian, and TransUnion ) and cease all collection activity until proper validation is provided. XXXX XXXX Mail XXXX : XXXX Delivery confirmation : XX/XX/year> at XXXX AM, XXXX MI XXXX MCM credit report update date : XX/XX/year> ( confirmed via Equifax report, confirmation # XXXX, dated XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
SEVERAL INQUIRIES APPEARING ON MY CREDIT REPORT WERE MADE WITHOUT MY AUTHORIZATION OR CONSENT.

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 2026-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
SEVERAL INQUIRIES APPEARING ON MY CREDIT REPORT WERE MADE WITHOUT MY AUTHORIZATION OR CONSENT.

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 2026-03-31 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: Chime Financial Inc
State: GA

Complaint narrative:
My chime account was hacked, when I didnt have an active number. 2 new numbers were used on my account and I had over XXXX transactions and money sent to others by the time I logged back in. I reported the fraud and chime still denied my claim. Please not that multiple devices were used and multiple numbers were changed and I did not have a phone number. Only an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I have been dealing with this for almost XXXX months now. I made weekly recurring buys of XXXX on Gemini for {$25.00}. I did this from XX/XX/XXXX to XX/XX/XXXX. I made {$350.00} in buys. No payments were missed. I am XXXX. I was supposed to get {$50.00} in XXXX as a reward. Instead I get these generic emails Thank you for your continued patience and for taking the time to follow up on thisI understand how important it is to receive clarity here. Weve taken a thorough look at your account in relation to the Recurring Buy promotion, and I want to walk through to ensure clarity. To qualify for the reward, all outlined conditions must be completed together within the promotional terms. This includes maintaining an active recurring buy for at least XXXX consecutive successful executions, ensuring each transaction processes successfully with a valid payment method, and reaching a cumulative total of {$300.00} in purchases within 90 days of the first successful transaction. After carefully reviewing your activity, one or more of these requirements was not fulfilled within those parameters, which prevented the reward from being issued. I know this is not the outcome you were hoping for, especially given your efforts, and I truly appreciate the time youve put into participating. Sincerely, XXXX This is after multiple emails made. I screenshot all of my transactions. I have proof of everything that I qualify and they send this generic response every time. Gemini is going down a slippery slope. I can no longer recommend them and I would highly suggest taking all of your funds off of their exchange. I even filed with BBB and got the same generic response. I appealed on BBB and am waiting to hear back. I am not going to let them win. I will continue fighting this until they do what is right. Its not even about the {$50.00} anymore. Do the right thing Gemini

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
Subject : Formal Complaint and Dispute of Inaccurate Credit Reporting Creditor : CREDITACPT ( Credit Acceptance Corporation ) Account Opened : XX/XX/XXXX2021 Account Number : ( XXXX ) Original Loan Term : XXXX XXXX XXXX XXXX XXXX Monthly Payment To Whom It May Concern, I am writing to formally lodge a complaint and dispute the highly inaccurate, damaging, and predatory information being reported to the major credit bureaus by Credit Acceptance Corporation ( CREDITACPT ) regarding my auto loan account. According to my most recent credit report from TransUnion, Credit Acceptance is reporting a continuous, unbroken string of late payments stretching 20 months from XX/XX/XXXX through XX/XX/XXXX. Furthermore, the report claims I have been XXXX days late on XXXX separate occasions. To compound this issue, Credit Acceptance representatives have verbally informed me that I was late over XXXX times consecutively, a claim that contradicts even their own erroneous reporting to the credit bureaus. This reporting is egregiously inaccurate. Claiming years of continuous, unbroken delinquency is an extreme misrepresentation of my account activity and a punitive reporting tactic that has unfairly devastated my credit profile. Despite these egregious reporting practices, I am taking responsibility for closing this account. On XXXX XXXX, 2026, I am making a final, lump-sum payment of {$4100.00} to pay off this loan in its entirety. However, Credit Acceptances inaccurate historical reporting is currently preventing me from securing fair financing for a replacement vehicle with reputable dealerships. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a 100 % accurate credit report. I am requesting a full, immediate investigation into these claims. I demand that Credit Acceptance Corporation produce full, verifiable accounting and payment records to substantiate every single month they have reported as XXXX, XXXX, and XXXX days late, specifically the continuous block reported between XX/XX/XXXX and XX/XX/XXXX. If Credit Acceptance can not provide irrefutable, primary-source documentation proving the validity of every single reported late payment, I demand that all derogatory marks and late payment history be completely removed from my credit files with TransUnion, Experian, and Equifax immediately XXXX I expect a written response to this complaint within the 30-day timeframe mandated by federal law, detailing the results of your investigation and confirming the corrections made to my credit profile. Sincerely, 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