vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a XXXX XXXX and a Chase credit card XXXX months ago with the intention of establishing a line of credit, but I was denied! It is a bit frustrating to have no credit and to get rejected by the banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
One day when using my chime bank account. I seem money leaving my bank account so I filed a dispute and reported the card. But they went ahead and closed my account and never gave me an explanation. Then I was told I could Reopen a new account but the app wont let me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I am filing a complaint regarding Venmos handling of an unauthorized transaction made using my Venmo debit card. The transaction in question was made on XX/XX/year> with merchant XXXX in the amount of {$580.00}. After noticing the unauthorized transaction on my monthly statement, it was reported to Venmo on XX/XX/year>. The transaction in question was not authorized by me and was reported promptly. This transaction qualifies as an unauthorized electronic fund transfer under Regulation E. More than 10 business days have passed since I reported the issue, and Venmo has not completed its investigation or issued provisional credit to my account. At the time of this writing, it has been 17 days since the issue was reported to Venmo. Under Regulation E, financial institutions are required to provisionally credit a consumers account if an investigation into an unauthorized electronic fund transfer can not be completed within 10 business days. Venmo has failed to provide this provisional credit AND has not clearly explained why Regulation E does not apply in this case. Ive only been told that the issue has been escalated and that more time is needed to complete an investigation into the matter. My requests to have the provisional credit applied to my account while the investigation is ongoing have been ignored. This delay has caused financial hardship due to restricted access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Exter finance is report on my credit report that I was late for the month of XXXX of XXXX. Which I was not. My payment due date was on XX/XX/XXXX of XXXX. I made a payment XX/XX/XXXX of XXXX & XX/XX/XXXX of XXXX. It was not 30 days late if my car note was do on the XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
My father recently passed away and left me almost XXXX in his XXXX account which I requested be XXXX to my USAA account and XXXX refused saying I must take a check. I contacted USAA and asked what to do since they have no branches and they said call in and they will increase the deposit amount for this transaction. I did as directed and called to have the deposit amount increased and USAA refused to increase the amount or accept the deposit. At this time I cant use my funds to pay bills due to USAA refusing to let me make a deposit. I now have an issue where XXXX wont give me the needed access to my funds leaving me in a very bad place. I have tried to get support from USAA and they provide no access to support to resolve this only low level operators who refuse to escalate the issue. How do I get either bank to assist their customers so I can use the money left to me and pay bills.

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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
This company keeps trying to collect a debt that I do not owe to them. I have never signed any contract or agreement with them and they are hurting my credit score after repeatedly being asked not to. They are trying to collect a debt that is not owed to them. They can not show me any contract that I have with them.

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 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint regarding a fraudulent credit card application submitted with Capital One using my personal information without my authorization. On or about XX/XX/year>, an application for a Capital One credit card was submitted using my identity. I did not apply for this account, nor did I provide consent for my information to be used. This constitutes identity theft. As a result of this unauthorized application, a hard inquiry and/or account may have been placed on my credit report, which is negatively impacting my credit profile. I have contacted Capital One to dispute this matter ; however, I am seeking formal resolution to ensure my rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Letter of Eligibility and Evidence for XXXX XXXX Claim To Whom It May Concern, I am writing to provide formal documentation regarding my eligibility for California Employment Development Department ( EDD ) unemployment benefits. This letter serves to verify that I am a valid claimant entitled to the funds associated with my Bank of America XXXX XXXX XXXX ending in XXXX. I have attached official documents issued directly by the EDD to support this claim. These documents include : * Notice of Unemployment Insurance Award : Confirming my eligibility and the total benefit amount. * Payment History/Summary : Detailing the specific payout dates and the amounts authorized for transfer to my prepaid account. These records clearly demonstrate that the funds in question are legitimate benefit payments intended for my use. I request that you update my account status accordingly and ensure that any pending claims or holds are resolved based on this verified information. Thank you for your prompt attention to this matter.

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 2026-04-24 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: Bilt Technologies, Inc.
State: GA

Complaint narrative:
My credit card has been frozen for over 15 days without any clear explanation or timeline for resolution. I have contacted the financial institution 5 times and have been repeatedly told to " wait for the Fraud Department '' to complete a review. No further information or path to escalation has been provided. The impact of this extended freeze is severe : 1. Financial Loss : recurring bills on autopay have been declined because this is my primary line of credit. I have already incurred late fees from third-party vendors due to the bank 's inability to process these transactions or provide access to my funds. 2. Negligence for Premium Service : I pay a high annual fee ( {$490.00} ) for this account, yet I have received zero premium support. Customer service representatives have stated there is no offer to compensate for my documented financial losses or the extensive time I have spent trying to resolve this. 3. Lack of Transparency : Despite my cooperation, the bank has provided no status updates, effectively holding my line of credit XXXX while my financial obligations to other companies go unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I discovered that the automatic payments on my XXXX XXXX XXXX by XXXX XXXX was not meeting the amount to avoid interest charges. They have misleading and deceptive business practices. I reached out to them on that day to inform them that I was unaware of this on XX/XX/XXXX. I Have been charged 3 times with interest fees. The problem stems from the fact that I have I have a XXXX year, XXXX XXXX purchase that I have set up the monthly payments on. I had set up the amount that would not incur any interest on the card. A few months in, I used the CC to make more purchases. Nowhere on my account balance does it differentiate the difference between the minimum required for my XXXX XXXX purchase and the additional purchases. It just says XXXX $ owed. There is nowhere in the entire site where you can find this information. Nowhere on their site have they changed to reflect the outstanding balance to avoid interest charges, and in fact they are aware of the mis-direction. I spoke with XXXX representatives, XXXX and XXXX, as well as XXXX a supervisor. XXXX was aware of the balance I was being charged interest on but refused to disclose that total until I calculated the total and brought it to her attention. This shows that she is guarding information about my account. This information is not offered unless vigorously sought out. This deceptive business practice also ensures I have no knowledge of where my payments are directed to. The XXXX XXXX balance is used as a smoke screen to hide other payments that due and when I have inquired as to how I should know this difference, the only resolution brought to me by the supervisor XXXX was to call in every month on the XXXX of the month and specify where I would like my payments XXXX. The fact they have this system on a backend but no consumer facing furthers the fact they have intentionally designed this system to reap interest charges. I expect a full refund of charges as well as correction to my credit. I sent in a complaint through their online portal within my account. I never received notice of a response, but a few days ago I received a reply saying they were not going to help me and they bear no responsibility. I logged in to take a screenshot of the message as I can not download it and it is mysteriously gone. Additionally, I tried to send a message to them to let them know of this mysterious disappearance and the website is miraculously facing difficulties in me submitting a new message. screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this compliant against Resurgent Capital Services and LVNV Funding LLC for failure to properly validate an alleged debt and for continued activity without providing competent evidence of the debt. I sent a formal debt validation request. In response, I received only a basic account summary. This does not meet the requirements of proper validation under the Fair Debt Collection Practices Act ( FDCPA ) Specifically, the company failed to provide : * A Complete chain of title from the original creditor ( XXXX XXXX ) to the current alleged owner ( LVNV Funding LLC ) * Any Bill of sale or assignment documentation proving ownership of the debt * A contract or agreement bearing my signature * A full payment history or itemized accounting of balance. The account associated with LVNV Funding/ Resurgent Capital has since been removed from my credit reports in XX/XX/year> following my disputes and ongoing legal action related to similar reporting issues. The removal further raises concerns regarding the accuracy and reliability of the information previously reported and collected upon. This constitutes unfair and deceptive collection practices and failure to reasonably investigate disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am writing in response to your communication regarding the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
This auto loan account does not belong to me. There was a court case related to this debt, which was dismissed without prejudice, and court documents state that I am not responsible for this debt. Despite this, the account continues to be reported on my credit file as if it is valid and attributable to me. I previously disputed this account, but it has not been properly corrected or removed. I am requesting a full reinvestigation under the Fair Credit Reporting Act and that the creditor and credit bureaus provide verifiable documentation linking me to this loan. If they can not produce original signed loan documents or lawful evidence of my responsibility, I am requesting immediate deletion of this account from all credit reporting agencies due to inaccurate 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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Issue : Improper annual fee on account I never accepted XXXX : Citibank , N.A . What happened : In XX/XX/XXXX, I applied online for a Citibank credit card and was immediately informed that I was not approved. Based on that denial, I did not receive, activate, or use any credit card. In XX/XX/XXXX, I was informed that an account had been opened in my name and that a {$99.00} annual fee and late fee were charged. This was the first time I became aware of the account. I contacted Citibank and disputed the charges, explaining that I was denied at the time of application and never accepted or used the account. Citibank stated the account had been approved and refused to reverse the annual fee, claiming it was beyond their XXXX window. They advised me to pay the fee and reopen or reapply for the account, then request a prorated credit. The account has now been closed, but Citibank still holds me responsible for the fees. I never accepted or authorized this account, never activated or used any card, and do not believe I am responsible for any fees. What I want : Removal and reversal of all fees, including the {$99.00} annual fee and any late fees Written confirmation that I have a {$0.00} balance and no obligation Removal of any negative reporting related to this account from all credit bureaus Additional information : I request documentation showing how and when this account was approved and how my acceptance of the account terms was obtained.

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 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Transworld Systems , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, PA XXXX Phone : XXXX Website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( ongoing ) Amount in Dispute : {$240.00} Please be advised that I am not a third party. This complaint is being submitted directly by the consumer with full rights under the Fair Debt Collection Practices Act ( FDCPA ) and all applicable federal and state laws. I am submitting this complaint against TRANSWORLD SYSTEMS , INC. ( TSI ), a debt collector, for clear violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. On XX/XX/XXXX, I sent XXXX a detailed DEBT VALIDATION REQUEST ( NOTICE OF DISPUTE ) via Certified Mail, Return Receipt Requested, regarding alleged Account TSI ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In that letter I explicitly disputed the debt and demanded proper validation, including : Name and address of the alleged creditor Signed agreements and chain of title All account statements Proof of XXXX XXXX to collect Completed Declaration form ( which TSI never returned ) A true and correct copy of my XX/XX/XXXX validation letter and Certified Mail proof of delivery are attached. More than XXXX months have now passed ( current date XX/XX/XXXX ) and TSI has completely failed to provide any of the requested validation documentation. Despite this, TSI has continued collection activity, including sending me multiple collection letters offering a lump-sum settlement of {$73.00} ( dated around XX/XX/XXXX and later ) and maintaining the account on their collection system. This is a direct violation of 15 U.S.C. 1692g ( b ) : Once a consumer disputes a debt in writing within the 30-day period and requests validation, the debt collector must cease all collection activity until validation is provided. TSI has done neither. I also have reason to believe TSI is continuing to report this unvalidated debt to the three major credit bureaus ( XXXX XXXX XXXX ), which may constitute additional violations of the Fair Credit Reporting Act. I sent a follow-up NOTICE OF DISPUTE on XX/XX/XXXX reiterating my demands ( copy attached ). To date, I have received no response or validation whatsoever.

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