vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding Bank of Americas handling of a debit card fraud incident and the banks failure to provide a timely and consistent resolution. On XX/XX/XXXX, my mobile phone suddenly lost service without my authorization. On the same day, XXXX unauthorized debit card transactions occurred at XXXX XXXX in XXXX XXXX, while I was physically in XXXX. My debit card was never lost and has remained in my possession at all times. The card was kept inside a drawer at my home and no one had access to it. I immediately contacted Bank of America and reported the fraud. During the initial call, I was informed that some of the transactions had already been reversed by the bank. However, XXXX transactions were later released and debited from my account the following day, and XXXX additional transactions were released on XX/XX/XXXX, even though the activity had already been identified as suspicious earlier.Transactions that were already identified as suspicious and reversed were later released and debited, indicating a failure in the banks internal fraud controls. I subsequently filed an FTC Identity Theft Report ( Report XXXX. XXXX ) and a XXXX Police Department report ( Case XXXX. XXXX ), and provided these documents to the bank. My mobile carrier also confirmed in writing that my phone number had been compromised. All XXXX disputed transactions originated from the same incident. However, Bank of America handled the claims inconsistently. At XXXX point, the bank concluded that XXXX disputed charge did not post to my account, yet the total disputed funds that were debited from my account have not been fully restored and no complete written determination has been provided covering the entire incident. The bank has repeatedly reopened and continued researching parts of the claims but has not issued a final resolution. More than XXXX business days have passed since the bank confirmed it was continuing its investigation on XX/XX/XXXX. I was later informed that a response would be provided by XX/XX/XXXX, but no response has been received. I respectfully request that Bank of America provide a clear written determination covering all XXXX related claims from this fraud incident and restore all remaining unauthorized funds that were debited from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, my son was arrested in the middle of the night. When my husband and I went to the scene, the XXXX told us that we would get an unusual call in the morning. The morning of the XXXX, my husband received a call from someone representing himself as a XXXX 's XXXX. This is a clear case imposter scam. My husband was on his way to work, so he referred the caller to my number. I was then contacted. The person introduced himself as XXXX XXXX XXXX 's XXXX XXXX XXXX ( I did not write down his name ). He had many details about my son 's arrest that had just happened a few hours earlier. He indicated that I would have to transfer funds that could be immediately verified before I could go get my son released. After I was transferred to a few other " deputies, '' I ended up sending {$1500.00} for bond through XXXX to a XXXX XXXX, who was supposed to be a deputy in the financial administration department. When those funds were verified another person came on the line, identifying himself as a deputy, to say that an additional {$1200.00} was required for an ankle monitor. When I tried to make another XXXX transaction, it was flagged and would not go through. They told me that I would have to use a " third party bond method '' through XXXX with a XXXX card. I could only get {$1000.00} for that ( while they stayed on the line to make sure I did ), so I had to send an additional {$200.00} through XXXX XXXX. At this point I got cut off and called back the actual XXXX 's number. It was at this point that I learned that this was a scam. I immediately gave the details to an XXXX in the XXXX XXXX XXXX and called my bank to try to stop the funds from transferring or recover the funds. We were able to stop the pending transaction that did not go through, but the {$1500.00} was still pending. The bank indicated that I could not file a claim while the funds were pending and would have to wait until they were posted to file a fraud claim. I did that, and they denied the claim because the funds were sent by me. I also filled out claims with XXXX XXXX and XXXX and provided documentation to both. I did not hear back from either of those companies. I provided more information to the police and have a case number. Most recently the investigations have led to transferring the case to XXXX XXXX in Ohio. I have provided the documentation that includes screen shots, receipts, etc.

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 2026-03-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: NY

Complaint narrative:
I was working with the company Citizens Debt Relief located at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, NY XXXX XXXX I initially signed up with a representative name, XXXX XXXX ( XXXX ) XXXX And then was assigned a different rep named XXXX XXXX. The company had me on a program that was said to help me to get my debt down and save almost {$10000.00} in interest. They were doing biweekly withdrawals from my account. I often spoke to them weekly to find out if there was any progress and they explained that I probably wouldnt see anything until XXXX months. After the XXXX months, I constantly called them to see what progress was being made as my creditors were still contacting me with threatening letters. I called a company that they were using to make the withdrawal. This company was called XXXX. They sent me printouts of the money that was being withdrawn and sent over to Citizens Debt Relief. Citizens Debt Relief explained to me that the money was held in an escrow account to eventually pay my debtors once they agreed to an amount of settlement. This all seemed very suspicious once I saw the debtors were still contacting me and not saying they were speaking to my debt consolidation company. I tried to call the company several times since the last payment that was made in XXXX and they were not returning my calls, but were sending me text messages that seemed system generated. These messages stated that they would be in touch with me and I will be receiving a call back. They never sent me anything.The company was taking from my account almost XXXX a month. The total amount Ive already sent is close to {$5000.00}.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC
State: IL

Complaint narrative:
I am disputing an alleged XXXX XXXX debt of approximately {$960.00} that has been placed in collections. This account relates to a month-to-month XXXX XXXX agreement signed in XX/XX/XXXX. I terminated the XXXX ; however, the XXXX has continued to attempt to collect charges since XXXX. Since XXXX, I have repeatedly requested a complete copy of the signed XXXX agreement, including all pages and terms and conditions, as well as an itemized account ledger showing how the alleged balance was calculated. The gym has refused to provide a complete contract and has only produced a partial document that does not include all material terms, including cancellation and termination requirements. On XX/XX/XXXX, the owner of the XXXX sent an email stating please cancel this contract. Despite this instruction, the account continued to be treated as active and was later referred to a collection agency. On XX/XX/XXXX, I again requested the complete contract and an itemized invoice. The XXXX XXXXXXXX responded that your debt is clear but did not provide any supporting documentation. As of XX/XX/XXXX, the collection agency is attempting to collect approximately {$960.00} without providing sufficient validation, and the creditor has failed to produce a complete agreement or any itemized accounting supporting the amount claimed. I dispute this debt and am requesting proper validation or that collection activity cease.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I sold my vehicle to XXXX XXXX XXXX XXXX in XXXXXXXX XXXX. Exeter took the longest posting the final payment received on the vehicle. I asked them to remove the late payments as it was not my fault and they refused to comply. I also asked since the loan was paid in full and balanced agreed was received could a good will be given. I was denied and I still have these negative ratings reporting as a result of their lazy billing and payment reporting. I have asked them to pull the transcripts of each time either I called or the dealership and they refused. This payment was sent certified XXXX mail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: NC

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 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
This complaint is a follow-up / rebuttal to a previous complain ( XXXX ). I appreciate Wells Fargos response to my complaint ; however, it does not address the core issue outlined in my complaint. This situation is not simply about whether the reporting is technically accurate. It is about a breakdown in Wells Fargos processes that prevented me from reasonably accessing and paying the balance. Specifically : Wells Fargo notified me that the account would be closed if not used by XX/XX/year> I used the credit card on XX/XX/XXXX and XX/XX/XXXX, and those transactions were approved and posted. Despite this activity, Wells Fargo proceeded to close the account on XX/XX/XXXX Immediately following closure, the account was removed from my online banking, eliminating my ability to view the balance, access statements, or make a payment online. I also did not receive an email ( as I did historically ), stating that I had a balance on the credit card for the most recent period. I received notice on XX/XX/XXXX that there was no balance, then the very next email I received was a late payment notice in XXXX. I attempted to make a payment using the XXXX XXXX links provided by Wells Fargo. However, upon logging in, the account was not visible and no payment could be made. I was not notified that online access would be removed or that I would need to rely exclusively on paper statements. While Wells Fargo has stated that paper statements were mailed, I did not personally receive those statements while living abroad. More importantly, I was not informed that online access would be revoked, nor was I provided with an alternative method to access or pay the account electronically. As a result, I was effectively prevented from taking timely action on the account, which directly led to the reported delinquencies and eventual charge-off. Had I retained normal access to the account, or been clearly informed of how to access and pay the balance after closure, this situation would not have occurred. I am requesting that Wells Fargo reconsider their position and make an adjustment to remove the late payments and charge-off, as these resulted from a failure in account access and communication rather than a willful failure to pay.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX, Fifth Third Bank charged repeated overdraft fees on my checking account that compounded beyond my ability to resolve. The bank also retained approximately {$120.00} of my personally deposited funds through these fees. I did not make purchases or withdrawals that created the negative balance the entire {$240.00} charge-off consists solely of bank-imposed overdraft fees. The account was closed on XX/XX/year>. Fifth Third then reported the {$240.00} to XXXX as an unpaid charge-off, categorized as " overdrafts. '' This reporting presents bank-imposed fees as a consumer debt, which is misleading. The bank profited from the fees, kept my deposited money, and then reported me as owing them additional money on top of what they already took. This XXXX report is causing ongoing harm to my ability to open new bank accounts and access basic banking services. Fifth Third Bank is a predatory establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: SC

Complaint narrative:
Validation of Debt Request - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I'm inquiring why PenFed Credit Union continues to charge me {$60.00} monthly interest on purchases and {$27.00} on cash advances even if I didn't have a cash advance. These are charged every month regardless of any purchases I have made with their credit card. I have attached a copy of my payment history and their charges. My APR is 17.99 % which I feel doesn't equate to the amount of interest they're charging me monthly. Also, they report me to the credit bureau 's if I'm {$10.00} over my limit for that month.

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 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Sage LLC
State: MO

Complaint narrative:
My mom had a XXXX account I was an added driver on her policy. My mom filed bankruptcy. When doing so they started calling my phone well I never answered it because I never had XXXX. Well one day recently I had a hit on my Credit Karma that I ended up with the XXXX on my credit. From a credit collection agency called Credit Sage for {$340.00}. I did not know what it was at first because I am a XXXX college student and I know exactly what I have paid and what I had left to owe. This is wrong in all areas.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Land Collections, Inc.
State: FL

Complaint narrative:
Disputed Accounts : Account Name : MTN LAND COL Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/year> Complaint Details : I am writing to dispute the account listed above, which appears on my XXXX credit report. This account is the result of identity theft and does not belong to me. I did not authorize, open, or incur any liability for this account. I have previously disputed this item directly with XXXX, requesting that it be removed from my credit report. I have clearly stated that this is a product of identity theft and have requested that XXXX verify ownership of the account with the furnisher. Despite my dispute, XXXX has failed to remove the account. To date, XXXX has not provided me with any verification or proof of ownership demonstrating that this account belongs to me, nor have they completed a reasonable investigation into my claims. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation of disputed information and remove any items that can not be verified or are the result of identity theft. XXXX has failed to meet this obligation. Relief Requested : I respectfully request that the CFPB assist in compelling XXXX to immediately remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian and XXXX XXXX XXXX regarding the inaccurate reporting and improper reinvestigation of a collection account on my credit report. This matter is not a duplicate complaint. While I previously disputed this account, this complaint addresses Experians failure to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA 611 ( a ) ) and the furnishers obligations under FCRA 623. I disputed this account with Experian , and it was marked as verified. However, Experian has failed to provide any description of the method of verification used, as required under FCRA 611 ( a ) ( 7 ). Simply confirming information through an automated system or relying on the data furnisher without independently verifying the accuracy does not meet the legal standard of a reasonable reinvestigation. Additionally, XXXX XXXX XXXX has failed to provide sufficient documentation to substantiate the debt, including : - A complete chain of title/assignment from the original creditor - Documentation showing they have legal ownership or authority to collect - Account-level documentation verifying the accuracy of the reported balance and account details Under FCRA 623 ( a ) ( 1 ), furnishers are required to report accurate and verifiable information. Reporting information that can not be substantiated with proper documentation constitutes inaccurate reporting. Furthermore, Experian is required under FCRA 611 to ensure that any disputed information is verified with sufficient evidence before continuing to report it. The continued reporting of this account without proper documentation indicates a failure to comply with federal law. As a result, I am requesting the following : 1. Immediate deletion of this account from my credit file 2. A description of the method of verification used by Experian 3. Proof of documentation provided by XXXX XXXX XXXX to verify this account 4. Confirmation that Experian has complied with all FCRA reinvestigation requirements If Experian and/or XXXX XXXX XXXX can not provide proper documentation demonstrating the accuracy and legal ownership of this account, it must be removed from my credit report. I am requesting that the Consumer Financial Protection Bureau ensure this matter is properly investigated and that both parties comply with all applicable federal laws.

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