vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and discovered accounts and/or inquiries that I did not open or authorize. These accounts are the result of identity theft. I have already filed a report with IdentityTheft.gov and I am in the process of disputing these items with the credit bureaus. Despite my efforts, these fraudulent accounts are still being reported on my credit file, which is negatively affecting my credit score and financial standing. I am requesting a full investigation into these accounts and immediate removal of all fraudulent information from my credit report. I also request that the company provide proof of verification for these accounts, including any application or documentation bearing my signature. I am not responsible for these accounts and did not authorize them in any way.

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 2026-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CO

Complaint narrative:
I am filing a complaint regarding an inaccurate collection account related to my move-out from XXXX XXXX XXXX. I disputed the move-out charges with property management in XX/XX/XXXX immediately after receiving the statement. Management acknowledged in writing that the statement required revision and that a corrected final accounting would be provided. A corrected statement was never provided at that time, and the account was sent to collections with IQ Data XXXX XXXX XXXX. In XX/XX/XXXX, property management confirmed that the final accounting had been corrected and issued a refund to me, confirming that the previously reported balance was inaccurate. Despite this, the collection account remains on my credit report. I have requested confirmation that the account has been recalled and removed from credit reporting but have not received a response. I am requesting that this collection account be immediately withdrawn and removed from all credit reporting agencies, as the balance has been confirmed to be inaccurate by the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My account in the Bank of America was closed around XX/XX/year>2025 due to the inactivity and moving out of XXXX. Before the closure, there was a remaining balance of XXXX XXXX dollars in the account. I confirmed with the bank agent the new address and contact information in XXXX so that Bank of America issued a check for the remaining funds. However, I never received the money. Since then : I have not received the funds in any form. Customer service has not provided a clear explanation of where the funds are currently held. I do not have access to my account statements anymore. Despite multiple attempts to contact customer service, I have been unable to resolve this issue. The bank has not clearly stated : Whether the check was cashed or not Whether the check has been voided Where the funds are currently located ( Bank of America or unclaimed property ) As the account holder, I am entitled to receive my funds. The bank is responsible for maintaining records and ensuring that funds are properly delivered.

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 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year>2026 I disputed several inaccurate and unverifiable charge-offs and collection accounts on my XXXX XXXX, XXXX credit report. Despite my disputes, XXXX XXXX XXXX continues to report derogatory information without producing competent documentary verification. XXXX, XXXX XXXX has failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) and continues to rely on automated furnisher confirmation, which courts have held is legally insufficient. The XXXX Supreme Court has ruled that : Reckless noncompliance with the FCRA constitutes willful violation ( Safeco Ins. Co. of America v. Burr ). Dissemination of inaccurate credit information causes concrete harm ( TransUnion LLC v. Ramirez ). The FCRA creates substantive rights to accurate reporting ( Spokeo, Inc. v. Robins ). 1. I also submitted an notorized AFFIDAVIT OF FACTS, INACCURACY, AND NON-VERIFICATION to XXXX XXXX, and XXXX credit aganciesi n referecne to the information obtained from XXXX. 2. I have reviewed my XXXX XXXX and XXXX appears credit file in its entirety. The report contains negative, derogatory, and adverse tradelines, including charge-offs, collections, and late-payment reporting that are inaccurate, incomplete, misleading, or incapable of lawful verification. 3. I dispute each negative item reported, including but not limited to : o Charged-off accounts, o Collection accounts, o Any account reported with incomplete payment history, o Any account lacking proof of contractual liability, standing, or accurate balance calculation. XXXX. I have never been provided with competent evidence establishing : o A valid consumer agreement bearing my signature, o Proof of lawful assignment or ownership for any debt buyer, o A complete transactional accounting of the alleged balances, o Verification of the correct date of first delinquency as required by federal law. XXXX. Any prior verification claimed by XXXX XXXX and XXXX appears to rely on automated data matching or furnisher confirmation, which courts have held does not satisfy the Fair Credit Reporting Acts requirement of a reasonable reinvestigation. XXXX. Continued reporting of disputed, inaccurate, or unverifiable information after notice constitutes negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o. XXXX. An affidavit was executed to place XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX and all data furnishers on actual notice that the disputed information is contested as a matter of fact and law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions is reporting an account on my credit report that I do not recognize. After noticing this account, I contacted the company directly and requested validation of the alleged debt, including the original creditor, account history, and documentation proving I am legally responsible. Instead of providing proper validation, I was advised XXXX complete identity theft paperwork without being given sufficient documentation XXXX support the legitimacy of the account. Despite this, the account has been reported and/or marked as verified on my credit report without adequate evidence XXXX confirm its accuracy. Additionally, this account has already been removed from XXXX, yet it continues XXXX be reported on other credit bureaus, which raises serious concerns about the accuracy and consistency of the reporting. I am disputing the validity of this account and requesting proper verification or removal.

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 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I am filing a complaint regarding MRC Receivables Corp and their collection activity involving an alleged debt that I do not recognize and for which I have not been provided adequate validation or notification of said debt. MRC Receivables has initiated collection actions for an alleged debt dating back to 2007, including a recent transfer of judgement to the county in which I live to place a lien on the title of my home which was uncovered during refinancing and garnishment efforts, without providing complete and verifiable documentation of the debt upon request. I have concerns that the debt may be inaccurate, outdated, or incorrectly attributed to me. I have not received sufficient documentation proving ownership of the debt or legal standing to collect. A full chain of ownership and original creditor information has not been provided. There may be issues related to proper validation under the FDCPA. Court records and documentation supporting the alleged judgement are unclear or incomplete. I have requested validation of the debt directly from the company by letter to the address listed in the court records but have not received proof supporting their collection actions. I have also sent copies by certified mail of the information and Motion to Vacate I have filed with the courts to addresses listed in the court records and provided by the clerk of courts to have this mail returned to me as undeliverable. Requested Action : I am requesting review of this matter for potential violations of consumer protection laws, including improper debt collection practices and verification issues. I also request assistance ensuring that any collection activity complies with Wisconsin and Federal Law. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: WLCC
State: FL

Complaint narrative:
I sent a check with the payoff loan amount last year, they didnt credit it to my account, spoke with a manager who assured me that they would credit it and the loan was paid off. Just got an email saying I have an outstanding amount due still and its looking like they never credited the $ XXXX payoff money to my account resulting in it being active still.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called what the website showed as XXXX XXXX to book airline tickets, when I gave them my debt card number the gentleman on the phone said that the card did not go through so I gave him another debt card number as I have 2 accounts at bank of America, thinking something was up as I had more than enough money in both of the accounts I logged in to my online banking while I was still on the phone with the booking agency and saw that they ran both cards for a total of XXXX, I immediately told him to cancel the transaction and give me the money back and he said that it takes 7 to 14 days to do the refund I immediately called my bank within 10 minutes of hanging up with the booking agency and told them i had just been scammed and to cancel the transaction they said that they could not reverse the transaction, in the meantime I repeatably called the booking agency and they kept giving the run around so I filed a fraud claim with bank of America and they denied the claim because to much time had expired, I have an email form the booking agency called travel back showing the amount and date I will have the refund that time went by and no refund, I called them and they said the refund was already issued and I need to call my bank, after doing some research online I have seen many complaints about this company travel back as being a scam and do not use them for travel. they have several phone numbers ,XXXX, XXXX, 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 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX had a credit account with XXXX XXXX for over XXXX years now paying on my XXXX XXXX and payments have always been {$190.00} every month and I never missed a payment. About a month ago I got notice that XXXX XXXX wasn't contracted with XXXX XXXX anymore and that my loan had been taken over by fortiva. I called fortiva and they told me my monthly payment was now XXXX. I told her XXXX never had to pay that much all these years and she said to me well you gunna have to take that up with XXXX XXXX XXXX. very unprofessional. I never agreed to that amount and it was not the original amount I agreed to when signing the contract in XXXX. XXXX not sure if this is the right place to go but if it is please help! I havent made a payment yet and they reported me as XXXX days late now which is an impact to my XXXX XXXX.. but I never agreed to that amount! Thank you so much for your time. XXXX

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 2026-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase bank account was recently deactivated by the institution. However, my phone number and email address remain linked to the XXXX service through Chase. I have contacted Chase customer support multiple times via phone to request the de-enrollment of my contact information from their XXXX directory, but the issue remains unresolved. Because the account is closed, I can not log in to the online portal to remove these details myself. Currently, these tokens are 'locked ' at Chase , which is preventing me from registering them and using XXXX at my new financial institution, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint regarding PayPals permanent limitation and closure of my account without providing any clear explanation or XXXX XXXX for resolution. I have maintained this PayPal account for approximately XXXX years. During that time, I completed identity verification by submitting my SSN and State ID, and my account information has been truthful and consistent. I have never knowingly violated PayPals policies, engaged in prohibited transactions, or participated in any fraudulent or suspicious activity. Recently, PayPal suddenly placed a limitation on my account. After that, I was asked XXXX provide additional documents, including : * proof of identity, * proof of address, and * a bank statement. I promptly submitted all requested documents. The documents were genuine, valid, and consistent with the information previously provided to PayPal. Despite my full cooperation and despite the fact that I believe all documents met their requirements, PayPal permanently closed my account. What is especially concerning is that PayPal did not provide any specific reason for this permanent limitation or closure. I did not receive a meaningful explanation of what rule or policy I allegedly violated, what information was considered problematic, or whether there was any error in their review process. I was simply informed of the outcome without transparency and without a practical way XXXX resolve the matter. This has caused significant harm and inconvenience XXXX me. Specifically : * I am unable XXXX use my PayPal account for purchases and other services that depend on PayPal. * My linked credit card can not be removed/unlinked. * Any remaining balance in the account is inaccessible, and I have not been provided with a clear and fair method XXXX withdraw my funds. * PayPal has not given me a reasonable path XXXX appeal, correct any supposed issue, or recover normal access. I believe this treatment is unfair and lacks basic transparency and due process. A financial service provider should not permanently restrict and close a verified account, retain access XXXX funds, and block linked payment methods without providing a clear reason and a concrete resolution process. I am seeking a fair resolution, transparency regarding PayPals actions, and immediate access XXXX my own funds and payment methods. PayPals refusal XXXX provide any meaningful explanation while restricting access XXXX my funds and linked payment methods appears arbitrary and abusive. If PayPal believes there was a legitimate compliance concern, it should identify it with sufficient specificity for me XXXX respond. Otherwise, this permanent restriction appears unjustified and harmful XXXX a consumer acting in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MO

Complaint narrative:
Edfinancial Services is applying a XXXX Standard Repayment Plan to my XXXX XXXX XXXX, resulting in quoted monthly payments of approximately {$850.00} {$860.00}. This is incorrect under federal law. Under 34 CFR 685.208 ( c ) and ( j ) ( 6 ), a borrower on the XXXX XXXX XXXX whose total student loan balance equals or exceeds {$60000.00} is required to repay a XXXX XXXX XXXX over XXXX years. My outstanding balance of {$94000.00} clearly satisfies this threshold. The XXXX term XXXX is applying is the correct term for XXXX XXXX XXXX under 34 CFR 685.208 ( b ) a provision that does not apply to my loan type. When I raised this issue with Edfinancial on five separate occasions, I received varying excuses and then finally the servicer responded that the origination dates of my underlying XXXX XXXX ( XXXX ) make the XXXX term inapplicable. This position is legally incorrect. XXXX XXXX XXXX XXXX is a new loan the underlying loans are discharged upon consolidation. The repayment term under 34 CFR 685.208 ( j ) is determined solely by the total dollar amount of the borrower 's loans, without regard to the origination dates of any predecessor loans. On XX/XX/XXXX, I submitted a formal written correction request to Edfinancial Services citing the applicable regulations in full and requesting a manual override and recalculation within 15 business days. As of the date of this complaint, the error has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Goldman Sachs Apple Card I called in a day before the transaction was charged XXXX warn Apple about a merchant Was fraudulent charge my card randomly Customer support agent advised me not XXXX worry He would lock my card and that would solve my problems The following day merchant was able XXXX charge my card XXXX the amount apple gave me a fake credit that I not able XXXX use and it was the rep that lied XXXX me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
CFPB Complaint Draft : Servicing Record Fraud & Notice Discrepancy Product : Mortgage Issue : Struggling to pay mortgage / Improper servicing Task Company : Wells Fargo Bank , N.A . 1. Describe what happened : I am filing this complaint to report evidence of administrative fraud and a systemic failure to maintain accurate servicing records by Wells Fargo Bank , N.A . and its agent, XXXX XXXX XXXX XXXX. The Facts of the Discrepancy : XX/XX/XXXX2025 : XXXX XXXX foreclosure XXXX, XXXX XXXX XXXX XXXX, issued a " Notice of Pending Foreclosure Sale '' ( Reference # XXXX ). The physical notice is postmarked and " Mailed On '' XX/XX/XXXX. XX/XX/XXXX : I received an email from XXXX XXXX XXXX XXXX ( attached ) explicitly confirming that the " Notice advising of the upcoming foreclosure sale was mailed by our office via certified mail XX/XX/XXXX. '' XX/XX/XXXX : XXXX days after the legal notice was mailed and the sale was allegedly scheduled, Wells Fargo issued my official Periodic Mortgage Statement ( Statement Date : XX/XX/XXXX ). On the final page of this statement, under the " Foreclosure Process '' section, Wells Fargo explicitly represented : " As of the date of this statement, Wells Fargo has not made the first notice or filing required by applicable law for the foreclosure process. '' Regulatory Violations : Violation of 12 C.F.R. 1024.38 ( b ) ( 1 ) : Regulation X mandates that servicers maintain policies and procedures to provide borrowers with " accurate and current information '' regarding foreclosure. Representing that no notice has been made while a sale is actively being scheduled and advertised is a per se violation of servicing integrity. Fannie Mae Servicing Guide D2-1-01 : This requires the servicer to provide information that is not misleading or confusing. Wells Fargo provided a legal " green light '' ( no notice made ) while their agent was simultaneously proceeding with a " red light '' ( sale scheduled ). XXXX XXXX : By issuing an official statement on XX/XX/XXXX denying the existence of any foreclosure filings, Wells Fargo has produced a fraudulent administrative record. This discrepancy indicates that the foreclosure referral was either unauthorized at the time it was sent or that the bank is knowingly providing false data to the consumer. This conflicting information stripped me of the ability to accurately assess the legal status of my home and the timeline of the foreclosure, leading to extreme financial duress and an unnecessary bankruptcy filing to stop a sale that the bank 's own records claimed had not been initiated. THIS IS A FANNIE MAE OWNED MORTGAGE

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