vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft and TransUnion is reporting a fraudulent account on my credit report that does not belong to me and were opened by an identity theft. XXXX XXXX - Account number : XXXX I did not open this account, authorize anyone to open it, or receive any benefit from it. I have never had a relationship with XXXX XXXX. I filed a police report that was provided to TransUnion. Despite providing accurate proof of fraud as required under FCRA Section 605B, TransUnion has failed to block the fraudulent information from my report, refused to remove the fraudulent account, and continues to report this account as legitimate. This fraudulent account is lowering my credit score and causing denial of credit applications, damaging my financial reputation. The credit bureau is violating FCRA Section 605B 's duty to block fraudulent information, FCRA Section 611 's duty to conduct reasonable investigations, and FCRA Section 623 's duty to maintain accurate information.

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 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
was late for payment and being called every day for payment when i explained my apple pay had been hacked and drained. i stated i would make payment soon as i could get some kind of income in my account. was still contacted by phone continously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding a collection attempt that I believe violates the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX. The caller stated they were from Midland Credit XXXX and claimed I owed a debt allegedly originating around XX/XX/XXXX. During the call, I was told that I needed to settle the debt immediately or they would proceed with submitting a civil case against me in XXXX XXXX XXXX XXXX. I dispute this alleged debt. I have never entered into any agreement or contract with Midland Credit Management, and they have not provided any documentation proving that this debt is mine or that they have the legal right to collect on it. Additionally, I am concerned about the use of threatening language implying imminent legal action. This felt like a pressure tactic intended to coerce payment without first providing proper validation of the debt. To date, I have not received sufficient written validation, including : A copy of the original agreement Proof of my obligation to pay Documentation showing Midland Credit Management has legal ownership of the debt ( chain of title ) A breakdown of the amount claimed I am requesting that Midland Credit Management be required to : 1. Provide full validation of the alleged debt 2. Cease collection efforts until such validation is provided XXXX. Stop making threatening or misleading statements regarding legal action I am also requesting that they communicate with me in writing only going forward. This situation has caused me significant stress due to the threatening nature of the call and the lack of proper documentation. I ask that this matter be investigated and that appropriate action be taken to ensure compliance with federal and state consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CRESCO CAPITAL INC.
State: NC

Complaint narrative:
Cresco capital account number XXXX they said they would take it off my credit and did then put it back on fraud they done

Company response to consumer: Untimely response
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
Dear Credit Repair Team, I hope you are doing well. I am writing to formally request a dispute on a car loan account that appears on my credit report due to what I believe were fraudulent and deceptive circumstances. At the time of purchase, I obtained a vehicle through a lender/dealership that failed to operate in a legitimate and responsible manner. After receiving the car, I did not receive a valid tag/registration for approximately XXXX months, which severely impacted my ability to legally use the vehicle. Additionally, the lender/dealership I worked with has since shut down and is no longer reachable. Their sudden disappearance, along with the issues I experienced, leads me to believe that I was a victim of a scam or highly unethical business practices. Because of these circumstances, I respectfully request that this account be thoroughly investigated and disputed with the credit bureaus. I believe this account does not accurately reflect a legitimate or properly executed loan agreement. Please let me know if you need any supporting documentation or further details from me to assist with this process. I appreciate your help in resolving this matter as soon as possible. Thank you for your time and assistance. Sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express representatives have repeatedly contacted family members claiming that I have them listed as emergency contacts, which I never did. In one instance on XX/XX/2026 they contacted my ex mother in law claiming I had her listed as an emergency contact. I have never in my life listed her as an emergency contact and she has not been my mother in law in over 19 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
XX/XX/year> my paypal i have been sending money to my family and receiving money from my family and loading from my bank account to be able to send to family they said they temporarily was limiting my account and to provide them certain documentation such as my id my proof of residence my bank statements and info about transactions I submitted my id which gave me the option to select the address listed on the id was correct for proof of residence which I selected I submitted then went to next item which was the bank statement when I went to submit it it said we are having issues please try again it did that 3 times so I decided to come back to it and go to the info about transactions when I went to submit that it did the same thing and then it booted me off and suddenly said my account was deactivated and it was permanent I called the rep was patient but very unsympathetic and not helpful at all he placed me on long holds and simply said we can not reverse the deactivation but could not provide me why it was deactivated especially since had provided what was asked at least as much as it allowed me to when I asked for a supervisor he said there was no one that would speak to me in a higher position that I could call back and get another agent we went back and forth over this he never provided me an appeals or anything he never gave any reasons for the decision he told me I could not have my money until XX/XX/XXXX I couldnt have any a cess to my money or any money that will be coming into the account until XX/XX/XXXX I have 20 in my account now I have 470 that will be arriving in the next few days into the account and they will not do anything to help me access my money or find out why I was deactivated or why they refused my provided documentation and in the end th representative ended up hanging up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National credit adjusters llc has failed repeatedly to send a debt validation letter upon my requests, they will not remove from credit file either. They are illegally reporting {$1100.00} debt on my credit file by reaging the account, and they are reporting the debt with different dates on XXXX XXXX, and XXXX. None of the information they are reporting is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: VI

Complaint narrative:
Relative to a dispute for an unauthorized charge, I have now opened XXXX inquiries and provided supporting documentation. On each occasion, the bank will respond after a period of time to advise that I have not provided any information to them. This information was sent on previous occasions via email, and acknowledged by the bank via auto-reply. As such, the inquiry was closed, and settled in favor of the merchant, despite providing what relevant information I could. The bank is negligent in that this information was provided, however failed to act or update my account with this information to further the investigation which would likely have been settled in my favor. Inquiry reference : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX a fraudulent company has opened an account without our knowledge with Citi card and were sending this bill to our address.

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 2026-03-19 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: RI

Complaint narrative:
Subject : Formal Complaint Potential Violations of Fair Credit Reporting Act and Equal Credit Opportunity Act Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX To Whom It May Concern, I am submitting this formal complaint regarding repeated denials of my credit applications despite maintaining a credit score of approximately XXXX. Based on prevailing underwriting standards, this score reflects a credit profile that should generally qualify for approval under reasonable lending criteria. Despite this, I have received multiple adverse action notices from various creditors. These notices have failed to provide specific, clear, and actionable reasons for denial, instead relying on vague or generalized statements that do not allow me to understand or remedy the alleged deficiencies in my credit profile. This pattern raises serious concerns regarding potential non-compliance with federal consumer protection laws, including but not limited to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires accuracy and transparency in credit-related decisions The Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., which mandates that creditors provide specific reasons for adverse actions taken against applicants The adverse action notices I have received appear insufficient under XXXX requirements, which obligate creditors to disclose the principal reasons for denial with enough specificity to allow a consumer to respond or correct any issues. Generalized or boilerplate responses do not meet this standard. Furthermore, the repeated denialswhen viewed in conjunction with my credit scoreraise concerns that additional, undisclosed criteria or internal scoring mechanisms may be disproportionately impacting my applications without proper transparency or justification. As a result, I respectfully request that the Consumer Financial Protection Bureau : XXXX. Investigate the lending and disclosure practices of the creditors involved XXXX. Determine whether the adverse action notices provided comply with XXXX and FCRA requirements XXXX. Require creditors to provide clear, specific, and legally sufficient explanations for denial XXXX. Ensure that no unfair, discriminatory, or non-transparent practices are being applied I am prepared to provide supporting documentation, including copies of adverse action notices and credit reports, upon request. Please treat this matter with the seriousness it warrants. I expect a thorough review and appropriate action to ensure compliance with all applicable federal laws. The following I applied for Chase, XXXX, XXXX, XXXX XXXX as I receive mail all the time saying I am preapproved! Which is false!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Convergent Account # 2200 has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-03-19 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized transactions on my Chase XXXX credit card totaling approximately {$2300.00}. My account reflects a high volume of transactions from XXXX over a short period of time, all of which I did not authorize. The pattern of these charges clearly indicates unauthorized use of my account. I reported these transactions to Chase promptly after discovering the activity. Despite being notified in a timely manner, Chase failed to initiate any meaningful investigation into these charges. Chase did not : - Open a proper fraud or billing error investigation - Provide any written explanation of findings - Issue any provisional credit - Request supporting information or follow up with me- Take reasonable steps to address the reported unauthorized activity The transactions show a clear pattern of repeated charges from the same merchant ( XXXX ) within a condensed timeframe, which is consistent with unauthorized activity. This should have triggered a formal investigation under standard banking procedures. Under the Fair Credit Billing Act ( Regulation Z ), Chase is required to conduct a reasonable investigation when a consumer reports unauthorized charges. In this case, Chase failed to meet that obligation and did not follow the required dispute resolution process. This complaint is not only about the unauthorized transactions, but also about Chases failure to act after being properly notified. I am requesting that Chase : 1. Conduct a full and proper investigation into all disputed XXXX transactions 2. Remove all unauthorized charges from my account 3. Provide all documentation and findings related to the investigation 4. Explain why no investigation was initiated when the fraud was originally reported 5. Confirm what actions, if any, were taken after my report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstKey Holdings, LLC
State: IL

Complaint narrative:
Subject : XXXX Originatin Loan : XXXX and XXXX XXXX account : XXXX To Whom It May Concern, It is not legal for a collection company to place a property in a trust after the mortgage debt has been satisfied. The mortgage was fully paid, satisfied, discharged and recorded by XXXX XXXX. XXXX did release the lien on the property by release of mortgage contract. It was recorded to clear the title and did return full ownership to the borrower XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX has place a trust after the debt has been satisfied, and is acting improperly and potentially illegally. The property no longer belongs to the lender or the collection agencyit belongs to the homeowners XXXX XXXX XXXX and XXXX XXXX XXXX. The attempt to claim ownership or control over our property that is a satisfied mortgage is a violation of contract law and property rights. We believe a collection company XXXX XXXX, First Key Mortgage XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is trying to wrongfully claim a recorded discharged and satisfied debt fraudulently and illegally which violates federal and state statutes. We were not aware of this fraud, and have mistakenly paid to date an additional {$120000.00} dollars for a mortgage that was already discharged back in XXXX Please note that our satisfied mortgage means the debt is paid and the lien is removed. No entity, including XXXX XXXX, FirstKey Mortgage XXXX, XXXX XXXX XXXX XXXX XXXX XXXX can legally place that property into a trust or claim ownership after the debt is settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — Store credit 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: Sezzle Inc.
State: MA

Complaint narrative:
Hi XXXX, Thank you for your response. I would like to clearly state that I do not recognize or authorize the transaction in question, and I will not accept or acknowledge any charges that are fraudulent. I have already made a good faith effort to contact the merchant and have received no response, which further supports my concern that this transaction is not legitimate. Freezing my account and requiring me to accept unauthorized charges in order to regain access is not an acceptable resolution. I am formally requesting : - A proper investigation into this transaction - Removal of the unauthorized charge - Immediate reinstatement of my account access without requiring me to accept fraudulent charges If this matter is not resolved, I will escalate it further through my financial institution and file a complaint with the appropriate consumer protection agencies. Please advise on the next steps. Thank you, XXXX XXXX XXXX ( Sezzle XXXX XXXX ) XX/XX/year>, XXXX XXXX Hi XXXX XXXX Thank you for contacting Sezzle XXXX XXXX Since our team did not find any indication of fraud, your account has been frozen as a precaution. To regain access and use your account, you will need to accept and acknowledge the charges related to the unrecognized order you reported Best, XXXX Sezzle XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I. THIS COMPLAINT REPORTS A NEW FCRA VIOLATION - IT IS NOT A DUPLICATE This complaint reports a new, independently actionable violation of the Fair Credit Reporting Act ( FCRA ) that occurred on XX/XX/2026. This data did not exist when prior complaints were filed. I respectfully request the CFPB process this complaint on its new merits. II. THE CONTEXT : ACTIVE ARBITRATION This new FCRA violation arises in the context of an active, ongoing arbitration proceeding. On XX/XX/2026, I filed a formal Demand for Arbitration against Wells Fargo ( XXXX Case No. XXXX ) regarding billing errors on this account. Wells Fargo has actual notice of this dispute and is currently a Respondent in that active federal proceeding. III. THE XX/XX/2026 XXXX VIOLATION On XX/XX/2026, Wells Fargo responded to an XXXX dispute regarding this account ( Conf. # XXXX ). Their certified response reveals a mathematically impossible, internal contradiction : 1. Corrected Historical Balances : Wells Fargo retroactively corrected 10 months of historical data, certifying my true balance in XX/XX/2026 was {$4200.00}. 2. Falsified Current Balance : Despite correcting the history, Wells Fargo maliciously left the " Current Balance '' on this closed account at {$11000.00}. It is mathematically impossible for a closed account to have a verified balance of {$4200.00} in XXXX and jump to {$11000.00} in XXXX with no new charges. The XX/XX/XXXX XXXX correction constitutes a tacit admission by Wells Fargo that their ledger was incorrect, yet they continue to furnish the inflated {$11000.00} current balance to damage my credit profile. IV. WILLFUL NONCOMPLIANCE Wells Fargos actions on XX/XX/XXXX establish willful noncompliance under 15 U.S.C. 1681n. Because of the prior CFPB complaint and the active XXXX XXXX, Wells Fargo had actual notice that the {$11000.00} balance was disputed. By actively entering the XXXX system to correct the historical balances but intentionally choosing to leave the current balance inflated, Wells Fargo demonstrated reckless disregard for the accuracy of the data they furnish to consumer reporting agencies.

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