vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against Bank of America for failing to protect my account from XXXX XXXX. This merchant engaged in fraudulent practices from day one, forcing me into a contract through deception. I discovered they were stealing money and tried to cancel multiple times, but they refused to stop the unauthorized charges. In a final monitored call on [ XX/XX/year> ] [ XXXX ] with agent [ XXXX XXXX XXXX, I confronted them about the theft. The agent explicitly admitted that XXXX had been stealing money from me. However, they refused to issue a refund, claiming they could only cancel the contract. Bank of America initially provided me with a provisional credit for the total amount stolen since the first day. However, they now plan to withdraw Provisional credit on XX/XX/year>, siding with a merchant that has already admitted to fraud on a recorded line. I demand that the bank request the recording of that specific call and keep the total credit permanent. The bank must not allow a merchant to keep funds they admitted were stolen.This entire situation is a complete lack of respect. I am being victimized twice : first by a merchant that admitted to stealing from me, and now by my own bank for allowing it to happen. I demand justice and the permanent protection of my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SSRM
State: TX

Complaint narrative:
I disputed an account reported by XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) on my XXXX credit report, which shows a balance of {$7000.00}. This account has been repeatedly verified without any documentation being provided. I sent a Method of Verification request via certified mail on XX/XX/year>. XXXX has failed to provide the required method of verification, including the identity of the party contacted or any documentation used to verify this account, as required under 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ). Additionally, I have reason to believe the original creditor can not locate records indicating that I was ever a tenant, yet this account continues to be reported and verified. Verification without documentary evidence does not meet the standard of a reasonable investigation under the Fair Credit Reporting Act. I am requesting immediate deletion of this account due to failure to properly investigate and verify the disputed information.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
The collection agency that I wrote to and told them that I had only Social Security income, went ahead and sued me to try to collect funds at my local court. Additional information provided by consumer : XXXX Additional information provided by the consumer : Company name is Blitt and Gaines , P.C . Attorneys at Law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERIS BANCORP
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, GA, XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. I am writing to address an issue with incorrect information on my credit report related to an account with XXXX XXXX XXXX account number XXXX. The account is currently marked as derogatory, which I believe is inaccurate. On XX/XX/XXXX, I filed a dispute regarding this account due to incorrect details being reported, but the issue remains unresolved. Despite my efforts to correct this misinformation, the account continues to negatively impact my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This derogatory status is not only inaccurate but also unjustly harming my creditworthiness and financial standing. The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete information. By continuing to report this erroneous information, XXXX XXXX is in violation of the FCRA. I have not received any documentation or communication from the creditor explaining or justifying the derogatory status of this account. This incorrect reporting has caused significant harm to me, including limiting my ability to obtain new credit and potentially affecting my housing and employment opportunities. I am seeking the complete removal of this account from all three major credit bureausXXXX, XXXX, and XXXXto rectify this situation and restore my credit integrity. I expect prompt action to correct this error and request confirmation from each credit bureau that the account has been deleted. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To whom it may concern, \n\nI am writing to formally dispute the inaccurate information reported by COMENITYCB/XXXX on my credit file. My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXXn\nThe account number in question is XXXX, and it is currently being reported with a derogatory status on my credit reports with XXXX, XXXX, and XXXX. This has significantly affected my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX XX/XX/XXXX, I initiated a dispute regarding this matter, marking it as an issue of incorrect details. Despite this, my credit reports have not been updated to correct this error. I have never opened an account with COMENITYCB/XXXX and believe this to be a case of mistaken identity or fraudulent activity.\n\nThis incorrect reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information on credit reports be complete and accurate. The inaccurate information is damaging my creditworthiness and causing me undue stress and potential financial loss.\n\nI am requesting the complete removal of this account from all three credit bureausXXXX XXXX, and XXXX. I trust that you will investigate this matter promptly and take the necessary steps to rectify this error.\n\nThank you for your immediate attention to this urgent matter. Please confirm receipt of this complaint and update me on the progress of your investigation.\n\nSincerely, \XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing a debt being reported by National Credit Systems. In XX/XX/year>, I requested validation of this debt, including a copy of the lease and an itemized breakdown of charges. I did not receive sufficient documentation. The amount being reported includes charges such as liquidated damages and eviction-related fees that have not been properly explained or verified. I have a history of on-time rent payments, and this balance appears to be related to move-out charges that have not been fully validated. I am requesting that the company provide full documentation supporting this debt or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, GA, XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. I am writing to file a formal complaint against Midland Credit Management regarding a debt collection issue on an account I do not recognize. The account in question, numbered XXXX, currently shows a balance of {$2000.00} and is reported as being in collections. On XX/XX/XXXX, I filed a dispute through the credit bureaus for incorrect details regarding this account, as I believe this debt is not mine. Despite this, Midland Credit Management continues to report this account to all three major credit bureausXXXX XXXX XXXX XXXXnegatively impacting my credit scores, which are currently XXXX, XXXX, and XXXX, respectively. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute this debt and request verification. I hereby assert that I do not owe this debt, and I have no contractual obligation with Midland Credit Management or any creditor that could have assigned or sold this debt to them. The continued reporting and collection attempts for this debt, which I do not owe, are causing significant financial harm and stress, as it adversely affects my ability to obtain credit, housing, and potentially employment. I request that Midland Credit Management provide full validation of this debt, including any documentation that proves I am responsible for this obligation. Without such proof, I demand the immediate and complete removal of this account from my credit reports with XXXX XXXX XXXX XXXX to prevent further damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, GA, XXXX. My date of birth is XX/XX/year>, and the last XXXX digits of my Social Security XXXX are XXXX. I am writing to dispute the inaccurate reporting of the account with XXXX, account number XXXX, which is currently listed as charged off with a balance of {$4100.00}. This account is being reported incorrectly on my credit reports from all three major credit bureaus : XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and creditors must ensure the information they provide is accurate and complete. However, this account is inaccurately affecting my credit scores, which are XXXX XXXX, XXXX XXXX, and XXXX XXXX, as it is being reported as charged off. I have previously communicated with BESTBUY/CBNA to rectify this situation, but the account remains incorrectly listed. This inaccuracy has significantly impacted my financial health, limiting my ability to obtain credit, affecting loan rates, and causing distress due to the misleading portrayal of my creditworthiness. I am requesting the complete removal of this account from all three credit bureaus to correct my credit reports. It is imperative that BESTBUY/CBNA immediately investigates and rectifies this error to prevent further harm to my credit profile. 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 non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute a debt collection account mistakenly attributed to me by FIRSTPOINT COLL RESO. The account number in question is XXXX, and it currently shows a balance of {$250.00} in collections. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. I have no knowledge of this debt, and it is not mine. This error has adversely affected my credit scores across all major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). It is crucial to note that I have filed a prior dispute concerning incorrect details with an autoblast on XX/XX/XXXX, but the issue remains unresolved. The Fair Credit Reporting Act ( FCRA ) mandates that only accurate information be included in consumer credit reports. Therefore, I am requesting an immediate and thorough investigation into this matter, followed by the complete removal of this account from my credit reports with XXXX XXXX XXXX XXXX. This erroneous account has not only damaged my credit score but has also caused significant stress and potential financial harm as it may impact my ability to secure necessary credit at fair terms. I have not received any documentation or evidence from XXXX XXXX XXXX validating this debt as mine, which is a requirement under the Fair Debt Collection Practices Act ( FDCPA ). I request that they cease collection activities and remove this account from my credit reports, as there is no documentation proving the debt belongs to me. I trust that you will address this matter promptly and ensure my consumer rights are protected.

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 making or receiving payments
Company: Chime Financial Inc
State: MD

Complaint narrative:
I am filing a complaint regarding denied fraud disputes related to scam transactions. I was the victim of a long-term online scam where I was misled into believing I had legitimate earnings in a Shopify store. The scammer used deception, fake business claims, and manipulated communication over time to gain my trust. As a result, I sent over {$5000.00} through a money transfer service ( XXXX ) to an international bank account. These transactions were authorized by me under false pretenses, as I believed they were legitimate business-related payments required to access my funds. I later discovered that this was a scam and attempted to dispute the transactions with my financial institutions, including Chime and XXXX XXXX XXXX. My disputes were denied, likely because the transactions were authorized. However, I am requesting reconsideration because these payments were made under fraudulent misrepresentation. I am asking for a thorough review of my case under scam and fraud protections, not just unauthorized transaction policies. I would like to know if there are any options for reimbursement or further investigation, given that I was a victim of deception and financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I am writing to dispute incorrect information that is currently affecting my credit report. Specifically, the account with XXXX XXXX XXXX, account number XXXX, is inaccurately reported as derogatory on my credit reports from all three major credit bureaus : Equifax , XXXX, and XXXX. I have not authorized or opened any account with XXXX XXXX XXXX, nor have I received any goods or services from them. This derogatory status has led to a significant negative impact on my credit scores, which are currently XXXX with Equifax , XXXX with XXXX, and XXXX with XXXX. This inaccurate reporting has caused me undue stress and has affected my ability to secure favorable credit terms for essential financial products. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit reports and for the furnisher of the information to conduct a reasonable investigation. Despite my attempts to resolve this directly with XXXX XXXX XXXX and the credit bureaus, the account remains inaccurately reported. I kindly request your assistance in facilitating the complete removal of this incorrect account from my credit reports with Equifax , XXXX, and XXXX. This resolution will ensure that my credit profile accurately reflects my financial history and prevents further harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: FL

Complaint narrative:
XXXX continued to generate charges after I had cancelled my service. After a lengthy period of negotiation, we were unable to reach an agreement ; consequentlyonce the account was sent to collectionsI decided to pay it. However, the derogatory entry remains on my credit reports, despite the fact that I have paid the balance and requested that the account be removedas its presence negatively impacts my access to credit. Therefore, I formally request that this account be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute inaccurate information reported on my credit report by SELF FINANCIAL/LEAD BA. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. The account in question is numbered XXXX and is currently listed with a balance of {$150.00} and marked as charged-off. On XX/XX/XXXX, I filed a dispute regarding this account, citing incorrect details on my credit report. Despite this dispute, the erroneous information remains on my credit reports with XXXX XXXX XXXX XXXX This account is seriously impacting my credit scores, which are currently XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the reporting of accurate and verifiable information. The continued reporting of this account as charged-off is inaccurate and misleading. It has adversely affected my ability to obtain credit, resulting in financial harm and undue stress. I request the complete removal of this account from all three credit bureaus. This action is necessary to rectify the inaccurate reporting and to prevent further negative impact on my credit standing. Please take immediate steps to ensure that this account is corrected or removed from my credit profile. I appreciate your prompt attention to this matter and look forward to your swift resolution.

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: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I texted someone about an expensive comic book they had for sale. They told me i could purchase it from them via PayPal invoice for {$10000.00}. I received an invoice from the seller which clearly showed the item in the invoice description. I paid the invoice and thought I would have buyer protection as the invoice email from PayPal indicated I would. After paying the seller never shipped the item, so i opened an item not received case. the seller 's only response was 'this was for a service. not a physical item. ' Nowhere in the invoice did it say the seller was offering a service. I said the invoice description clearly showed it was for a physical item. The seller never uploaded a tracking #, so I escalated the dispute to a PayPal resolution PayPal denied my item not received case by saying my purchase wasn't protected, and I got scammed out of {$10000.00}. I got no explanation why. PayPal guarantees buyer protection and did not offer me any protection. It is clear this was a scam by the seller that knew exactly how to bypass PayPal 's buyer protections by pretending to offer a service instead of a physical item even though the invoice description clearly shows i was purchasing a physical item. I should have had buyer protection and got my money back. I hope my case is read and resolved as i think this is a serious issue with PayPal 's website.

Company response to consumer: Closed with explanation