vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX ] ( XXXX : XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Complaint, Credit Reporting Dispute, and Request for Debt Validation To Whom It May Concern, I am filing a formal complaint and dispute regarding inaccurate, unverified, and potentially fraudulent collection accounts currently being reported on my credit file. This letter serves as my formal notice of dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and a request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pro Collect , Inc. XXXX XXXX XXXX I have no knowledge of these alleged debts and do not recall entering into any agreement with these entities or the original creditors. These accounts are therefore disputed in their entirety. Despite this, the accounts continue to be reported on my credit file without proper verification, which raises serious concerns regarding compliance with federal law. Pursuant to my rights under federal law, I am requesting that each furnisher of this information provide the following : 1. Complete verification of the alleged debt, including the original creditors name and address 2. A full accounting of the debt, including how the balance was calculated 3. Copies of any agreements, contracts, or documents bearing my signature 4. Proof that the reporting entity has legal authorization to collect on this debt 5. Documentation showing that the information reported to credit bureaus is accurate and complete If these entities are unable to provide sufficient documentation to validate the debts, they are required under federal law to cease reporting and request deletion of the accounts from all consumer reporting agencies. Additionally, reporting unverified or inaccurate information may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and ensure that all applicable laws are being followed. If the accounts can not be properly validated, I request their immediate removal from my credit reports. Please provide written confirmation of the results of your investigation. 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
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN REPORT NO : XXXX FTC REPORT NO : XXXX RE : REQUEST FOR REINVESTIGATION Formal Dispute Under FCRA 611 / 623 / Metro 2 Compliance To Whom It May Concern : This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. I have reviewed my credit report and identified numerous entries that are inaccurate, incomplete, or unverifiable, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). Below are the disputed accounts with supporting legal reasons for each. I request immediate deletion or full investigation based on the data furnishers inability to maintain factual accuracy. XXXX XXXX XXXX XXXX Opened XX/XX/year> A 60-day late mark was recorded without evidence of mailed billing statements or a payment schedule under ECOA/Reg B . This violates FCRA 623 ( a ) ( 1 ) ( A ) for reporting information not confirmed to be accurate. XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> Balance : {$330.00} There is no documented validation that a proper notice of charge-off was sent to me. Furthermore, the monthly balance history contradicts Metro 2 standards for charge-offs. XXXX XXXX XXXX Opened XX/XX/year> There are multiple late marks up to 60 days reported, but no late fee assessments or billing proof were provided, violating FCRA 623 ( a ) ( 1 ) ( D ). This is an example of unverifiable derogatory reporting.

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 2026-04-29 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
Hello, I am filing a formal complaint regarding an unauthorized charge of {$4000.00} posted to my Bilt XXXX account on XX/XX/year>, labeled XXXX * BILT RENT XXXX XXXX XXXX Bilt incorrectly identified this charge as my XXXX rent payment. This is inaccurate. My actual XXXX rent was paid separately and appears on a later statement, which I have already provided to both Bilt and XXXX XXXX as supporting documentation. This confirms that the XX/XX/XXXX charge is not a valid rent payment and was not authorized by me. Despite multiple attempts to resolve this issue directly with Bilt, I have received conflicting information, inaccurate explanations, and no clear resolution. I was initially told this charge represented my XXXX rent, despite clear proof showing otherwise. After repeated back and forth emails and documentation, I was then told that rent and housing payments are handled by a separate Bilt Rewards team through the in-app chat feature. However, Bilts customer service phone line is now unavailable as of this week, and the in-app chat feature they directed me to is not functioning, leaving me without any legitimate path to resolve this dispute. I also contacted XXXX XXXX, the card issuer, and the charge has been reported as fraud. I was informed that other customers have reported similar issues involving Bilt rent charges. Additionally, this same {$4000.00} balance unexpectedly reappeared on my XXXX Bilt statement without explanation or prior resolution, causing further concern and financial risk. I am requesting : -Immediate investigation and reversal of the unauthorized {$4000.00} charge -A clear explanation of how this charge was initiated and where the funds were sent -Written confirmation that I will not be charged late fees, interest, penalties, or any negative account consequences related to this disputed amount -Written confirmation that my account will not be negatively reported to any credit bureaus, and that this disputed balance will not result in any late payment marks, derogatory reporting, or damage to my credit profile while this matter is under investigation -Review of Bilts failure to provide functioning customer support for fraud and billing disputes involving rent charges I attempted to resolve this directly with Bilt multiple times, but customer support failed to provide a functioning resolution path, including directing me to unavailable support channels. I am seeking prompt intervention and a fair resolution. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: VA

Complaint narrative:
I submitted ( scheduled ) an online check to be mailed from my Chime checking account on XX/XX/2026. Chime removed the funds from account when I scheduled the check and then texted me when the vendor XXXX XXXX XXXX cashed the {$400.00} check. XXXX has been calling saying they did not receive the check need a copy of the cashed check to investigate. Chime account shows cashed but that is it. XX/XX/2026 I called Chime and spoke with a rep wanting a copy of the cashed check per XXXX ( date cashed and check number ). Chime has been unable to provide me with that image as of today XX/XX/2026. Multiple phone call and emails, all I get is that the issue has been elevated to a " Specialist ''. Meanwhile XXXX wants their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have a closed Apple Card account with Goldman Sachs that is currently reporting as a charge-off on my credit report. I have contacted Goldman Sachs multiple times by phone requesting a pay-for-delete agreement, offering to pay the full outstanding balance of {$1800.00} in exchange for complete removal of the negative tradeline from all three credit bureaus. Each time I have been denied without reasonable explanation. I am acting in good faith and am ready to pay the balance in full immediately upon agreement of tradeline removal. I am requesting the CFPBs assistance in requiring Goldman Sachs to work with me toward a fair resolution, including removal of this charge-off from my credit report in exchange for full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
After entering basic training for the XXXX XXXX, the Service Members Civil Relief Act forced my loan company to lower my APR by federal law. However, my loan company did not inform me of this. Further more, my loan company which is Bridgecrest, turned off my automatic payments after they adjusted my rate and did not inform me or get my consent to do so. This caused me to have multiple missed payments, which was reported to credit bureaus and ultimately made my credit drop significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I made a payment on 2022 XXXX XXXX and was repoed in the early morning because the payment had not reflected yet now the want XXXX to get my car back I legally made the payment what can I do now because I dont have 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
Consumer complaint received 2026-04-29 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Between XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX, charges in the following amounts were charged to my American Express Card ending in XXXX : {$500.00}, {$500.00}, {$500.00}, {$5000.00} and {$30000.00}. At XXXX on XXXX XXXX, XXXX, We became aware of the charges and promptly contacted American Express to report the fraud. Before XXXX on XXXX XXXX, we made 5 additional calls to confirm the fraud was reported. ( attached call log ) It was determined that my email had been compromised and charges approved through unauthorized access to my email and or my computer as well as my XXXX account. These charges were not made by me, my agent or with my consent. I did not receive funds, goods or profit as a result of these charges. These charges are the result of unauthorzied access to one or more accounts by unknown persons orindividuals. XXXX Police have opened an investigation. Amex ruled on XX/XX/XXXX that I was resposible for the charges. They stated they had proof that I received the goods. I asked Amex for this infortmation so that I may refute it, but they woudl not share this information. I can not refute the claim of the merchant and or the credit card company without knowing this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Bilt Technologies, Inc.
State: MN

Complaint narrative:
I am filing a complaint regarding an incorrect {$5500.00} balance on my Bilt credit card account following a servicing transition from XXXX XXXX to XXXX. My XXXX XXXX statement clearly shows that I made payments totaling {$8400.00} during the XXXX billing period, including a {$5500.00} payment posted on XX/XX/XXXX labeled PAYMENT THANK YOU. This was a direct payment to XXXX XXXX, not a balance transfer. After these payments, my account had a credit balance of - {$2800.00}, confirming that I overpaid the account. This overpayment occurred because of confusion between XXXX XXXX and XXXX during the transition period of the Bilt card. As I later learned from XXXX XXXX, one of my payments ( {$2800.00} ) was returned due to the transition, and I was subsequently issued a refund check for that amount. However, this does not change the fact that the {$5500.00} payment was successfully made and applied as a payment to my account. Despite this clear documentation, Bilt is incorrectly claiming that the {$5500.00} payment was a balance transfer and is now asserting that I owe this amount. This characterization is inaccurate and is directly contradicted by my XXXX XXXX statement, which shows the transaction as a payment. Since XXXX XXXX 2026, I have attempted to resolve this issue directly with Bilt by contacting customer service multiple times via phone and email at support@card.bilt.com, where I attached my XXXX XXXX statement. Despite my repeated efforts, I have not received any meaningful response or resolution. This appears to be a reconciliation error related to the servicing transition between XXXX XXXX and Bilt. I have clear documentation proving that the balance was paid, and Bilts current position is incorrect. I am requesting that Bilt : Correct the erroneous {$5500.00} balance immediately Remove any late fees and interest on my account Acknowledge in writing that the payment was properly made and applied Confirm that no inaccurate information has been or will be reported to credit reporting agencies Remove and correct any inaccurate reporting if it has already occurred Given the clear documentation and the risk of harm to my credit, I request expedited investigation and resolution. I have attached my XXXX XXXX statement showing the payments and resulting credit balance. This dispute concerns an inaccurately characterized payment and billing error during a servicing transition, and I expect it to be handled in accordance with applicable federal billing error resolution requirements. If helpful, I can provide my checking account statements proving payment in full as well. I appreciate your assistance resolving this matter so this inaccurate information doesn't harm my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: CO

Complaint narrative:
Validation was requested on XX/XX/year> you confirmed XX/XX/year> that my request for validation was submitted. However, you have continued to harass and say " Why not pay your bill and be done with it '' on XX/XX/year>, XX/XX/year> despite not providing validation. In addition, you have lied and told the XXXX XXXX you have provided validation to me, when I disputed the collection. and now you are saying XXXX is taking a long time. Which one is it?

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 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fago notified us that they were not servicing our mortgage any longer. We are a retired married couple who both are disabled. All of our banking is under one roof, Wells Fargo. Throughout the years, WF encouraged us to bundle our accts under one roof ( them ), to have everything at one location so XXXX could more easily manage their lives and to receive banking benefits due to bundling everything. We are two XXXX XXXX XXXX people who are disabled and forced to leave the work place due to our health. WF stated they were keeping many low & minority community mortgages, but not ours. So who is the minority here? Seems if we were promised a service benefit for placing our assets in an Federally Insured corp, that our Fed Govt would protect disabled seniors like us from undue difficulties like this mortgage transfer would. 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 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I am formally disputing the validity of a vehicle finance contract with XXXX XXXX XXXX, financed by Credit Acceptance Corp ( CAC ). Timeline of Events : XX/XX/XXXX : Purchased XXXX XXXX XXXX XXXX ( XXXX : XXXX ). XX/XX/XXXX : Within 24 hours, the vehicle developed a life-safety fire hazard overheating warning on dash ( followed a few days with active smoke billowing from the engine bay/ turbocharger ). I immediately contacted the dealer to report the defect and reject delivery. XXXX : | contacted Credit Acceptance while the loan was still in the funding stage. I reported Material Misrepresentation and the fire hazard. I provided evidence of the defect, but CAC representatives refused to escalate to the compliance department or stop funding, stating to Work it out with the dealer Legal Basis for Dispute : Under the FTC Holder Rule ( 16 C.F.R. Part 433 ), CAC is legally subject to all claims and defenses I have against the seller. Funding a contract for a vehicle with a known fire hazard is a deceptive trade practice. The dealer is currently non-responsive and refuses to pay the {$260.00} diagnostic fee at XXXX XXXX XXXX to address the safety risk. I have physically rejected the vehicle and am recording all communications. I demand an immediate halt to funding and a Flat Cancellation of the contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
During COVID I had come in to some financial difficulties and had elected to maintain my mortgages and had some Credit accounts charged off due to payment issues. These charges are due to fall off my credit report at the end of this year. I am looking to purchase a new house and am inquiring to have these removed from my credit report a few months early. I have had zero delinquencies since this occurred during COVID. I am requesting to have the following items removed from my credit report under the Consumer Financial Protection bureau relief program that was encouraged to creditors : AMEX charge off account of {$980.00} AMEX charge off account of {$1200.00} XXXX charge off account of {$5100.00} XXXX XXXX charge off account of {$3800.00} XXXX charge off account of {$3100.00} XXXX XXXX charge off account of {$2400.00} All these accounts are due to fall off my report by XXXX XXXX XXXX XXXX charge off {$6800.00} XXXX XXXX charge off {$14000.00} thank you for your consideration in this matter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a monthly {$500.00} payment on my PayPal Credit account on XX/XX/XXXX. On my XXXX statement I noticed my balance went down {$140.00}. Upon further review of my monthly statements, I learned that my account was being charged a " payment security '' fee every month since XX/XX/XXXX. I am unaware signing up for this plan, nor do I think I need this plan since I'm an XXXX XXXX mom. Therefore, signing up for this plan is illogical, and no benefit to me. I reached out to Synchrony Bank on XX/XX/XXXX. The representative promptly offered me a refund which was received XX/XX/XXXX. Unfortunately, the refund in the amount of {$1900.00} was for the last 12 months ( XX/XX/XXXX- XX/XX/XXXX ). I was expecting a refund for the entire fees totaled since XX/XX/XXXX. Upon calling PayPal Credit and Synchrony Bank several times, I feel like we're going in circles to talk with the people that can resolve this matter. I have received a denial letter from Synchrony-Payment Security stating the matter is closed, but as a courtesy, they have refunded 12 months of fees totaling {$1900.00}. If Synchrony Bank can refund 12 months of fees so easily, then they are admitting some at fault or can't prove I've signed up for this service. I've faithfully made every payment, every month in a timely matter. This unfair and deceptive practice by Synchrony Bank needs to be addressed.

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 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
They charged me {$550.00} in interest when i didn't know anything about it i called them to dispute i wrote something to them and they said i shouldve known when they never gave me advance warning anywhere I called them and they either kept me on hold or told me the same thing that they cant

Company response to consumer: Closed with explanation