vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
We noticed on our Bank of America credit card statement that there was a wire transfer of {$12000.00} and a fee of {$480.00} from our card to an account at XXXX XXXX, We did not do this or authorize this action. We immediately contacted Bank of America and reported fraud. They have now denied our claim 3 times saying that they think it was initiated from our IP address. We have proof that our computer was hacked and the IP address was taken to do this unlawfully. 
We have filed complaints about this with the FTC. the IC3, our local sheriff department, and the MN Attorney Generals office. Today the MN Veterans office asked XXXX XXXX 's office to assist. The Bank of America is trying to hold us accountable for repaying funds that we did not take. 
We need more information from the Bank of America and an email address to communicate the computer forensics findings so that we can show the details and facts of the fraud that has occurred against us. They have not provided us that connection to allow us to share that information and want us to pay the money that we did not take.

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Absolute Resolutions Corp.
State: IL

Complaint narrative:
I am an Illinois consumer filing this complaint regarding unlawful debt collection and inaccurate credit reporting. 
A third-party debt collector, Absolute Resolutions, is attempting to collect and is furnishing credit reporting information regarding an alleged consumer debt originally associated with XXXX XXXX XXXX XXXX XXXX 
I verified through the Illinois Department of Financial and Professional Regulation ( IDFPR ) that Absolute Resolutions is not licensed or registered to operate as a collection agency in Illinois ( No records found ).

Despite lacking required Illinois licensure, Absolute Resolutions has engaged in collection activity, including furnishing information to Experian and TransUnion, which constitutes continued collection activity.

I timely sent a written debt validation request pursuant to 15 U.S.C. 1692g ( b ). Absolute Resolutions failed to provide validation and nevertheless continued collection activity and credit reporting, in violation of 15 U.S.C. 1692g ( b ) and 1692e.

The continued furnishing of this tradeline by an unlicensed collector has resulted in inaccurate and unlawful credit reporting. Furnishing information without lawful authority or reasonable investigation violates 15 U.S.C. 1681s-2 ( a ), and the credit reporting agencies continued maintenance of this tradeline raises concerns under 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX someone deposited fraud checks in my account that werent me. I havent been able to open a bank account. The amount was XXXX dollars

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Recently Capital One closed my checking account without cause & refuses to provide any explanation. Capital One is a horrible & unprofessional bank & are very dishonest in their daily business practices. They claim they have the right to terminate business at any time- which I am in agreement with - but they do not have any right to do with my money what they wish. They have been completely dishonest & not transparent for past three days regarding my money or their actions. I have requested my money be transferred to another account & I also requested that they expedite my money through XXXX XXXX & all my requests have been ignored. Not only does Capital One not provide any answers or solutions to any of my concerns but they are very rude & unprofessional & will XXXX hang up call. Please help they are unwilling to return my money or provide me any information regarding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
Issue : Failure to process balance transfer within a reasonable time frame, resulting in financial harm. 

Details : I am filing this complaint against U.S. Bank regarding their repeated failure to complete a balance transfer to my XXXX XXXX credit card, a process that has now exceeded 60 days. 

XX/XX/XXXX : I initiated the first balance transfer request for {$10000.00}. 
XX/XX/XXXX : After the first transfer failed to reflect on my XXXX XXXX account, I contacted U.S. Bank and was forced to initiate a second request for {$10000.00}. 
Current Status : As of today, XX/XX/XXXX, the funds have still not reached my XXXX XXXX account. 

The Dispute : Despite contacting U.S. Bank representatives XXXX times, I have been given conflicting excuses, including " lost mail '', " lost checks '', " incorrect addresses '' that their own system defaults to, or claims that XXXX XXXX has not cashed the payment. I have verified with XXXX XXXX that no such checks have ever been received. 
Furthermore, U.S. Bank agents have refused to provide an electronic payment option, claiming they " don't do that anymore, '' despite federal trends toward modernizing electronic payments to prevent exactly this type of mail-related delay. By relying on an unreliable paper check system and failing to ensure delivery for over XXXX months, U.S. Bank has caused me significant financial harm. My promotional XXXX at XXXX XXXX expires at the end of XX/XX/XXXX, and due to U.S. Banks negligence, I am now facing approximately {$300.00} in interest charges that would have been avoided had the transfer been handled competently XXXX months in advance.

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 2026-01-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
someone opened a discover credit card under my name using a different address, maxed the card out and then defaulted.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
I have summit respond letter to law firm that has filed against me. Asked for original contact and all supporting paperwork with my signature on it. Also made them aware they had the wrong address on file and they had spoke to my mother about the alleged debt. Provided correct address to send all new correspondence to. I have received XXXX more communication to the wrong address. I was just made aware after they had received my correct address. They have not provided me with any of the documentation I have asked for other than a credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: NY

Complaint narrative:
This corporation is trying to compromise my personal information with false complaints of amount of debt {$330.00} owed. I immediately had to freeze all XXXX of my credit bureaus accounts to protect my identity with anybody or if this type of scam happens in the future.

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am submitting this complaint to formally dispute the actions of a collection agency regarding an alleged debt and to report violations of my consumer rights under Regulation F of the Fair Debt Collection Practices Act. 

The collection agency provided a collection notice that fails to comply with 12 CFR 1006.34 ( b ) ( 5 ), which requires debt collectors to provide a clear and accurate itemization of the amount of the debt, including interest, fees, payments, and credits since the itemization date. The information provided was incomplete, inaccurate, and misleading, preventing me from understanding how the alleged balance was calculated. 

Additionally, the collection agency violated 12 CFR 1006.34 ( c ) ( 4 ) ( l ) by furnishing validation information that is false, misleading, and deceptive. The representations made regarding the nature, amount, and legal status of the alleged debt are inaccurate and materially misleading. 

By providing misleading validation information and attempting to collect on an improperly disclosed and inaccurately represented debt, the collection agency is engaging in false, misleading misrepresentation and deceptive means, in violation of the Fair Debt Collection Practices Act and Regulation F. 

These actions interfere with my ability to exercise my consumer rights and undermine the protections afforded to consumers under federal law. I am requesting that the CFPB investigate this matter and require the collection agency to correct these violations, cease unlawful collection activity, and ensure full compliance with applicable consumer protection laws. 

I certify that the information provided in this complaint is accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
This complaint is being submitted as a new CFPB case because prior CFPB case number XXXX was closed without a lawful or adequate resolution. The closure of that case did not resolve the underlying issue, did not correct the inaccurate reporting, and did not comply with the protections afforded to identity theft victims under federal law. 

Although the company responded in the prior case, their response relied on conclusory statements, failed to provide original creditor documentation proving I opened or authorized the account, and improperly dismissed my identity theft claim despite the submission of an FTC Identity Theft Report and supporting fraud documentation. Closing the prior case without correcting or blocking the fraudulent tradeline does not cure the violation and does not render the reporting accurate. 

I am therefore formally reopening this matter through a new CFPB complaint to ensure proper review, enforcement, and compliance. The issues raised in the prior case remain unresolved, and the continued reporting of the disputed account constitutes ongoing harm. 

This new complaint reiterates that : I do not own the alleged debt The account resulted from identity theft An FTC Identity Theft Report was filed The account should be blocked and deleted, not merely verified Prior case closure does not negate legal obligations under the FCRA The prior CFPB case closure should not be interpreted as validation of the debt, acceptance of the companys position, or waiver of my rights. This new filing is necessary due to the companys continued failure to comply with federal consumer protection 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
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> Bank of America exercised a right-of-setoff and withdrew {$3000.00} from my checking account while I was in active payment arrangement negotiations. 

During the prior discussion, the amount discussed was {$1000.00}, which I am able and willing to pay on XX/XX/XXXX. I did not authorize a {$3000.00} withdrawal. 

This unexpected withdrawal caused immediate payroll hardship, putting employee wages at risk. 

I contacted Bank of America to request a hardship-based reversal, escalation to a supervisor or executive review, and a case number. The representative refused to reverse the withdrawal, refused escalation, and refused to open a case or provide a case number. 

I am requesting reversal or provisional credit of the excess funds needed to meet payroll, written proof of authorization for the amount withdrawn, and review by Bank of Americas Executive Resolution team.

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 2026-01-27 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: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc Bank will not recognize their responsibility with a series of forged withdrawals. 
am filing a complaint regarding my bank 's refusal to reimburse a fraudulent and unauthorized check paid from my checking account. 
The check was not authorized by me. I did not issue it, sign it, or benefit from it, and I have never done business with the payee or vendor involved. The transaction is outside my normal account activity. 
The bank denied my claim solely on the basis that it was not reported within a 30-day period, without addressing whether the item was properly payable or whether the bank exercised ordinary care in paying the check. 
The check was made payable to " XXXX XXXX, '' while my account is held under the name " XXXX XXXX, '' and I dispute that this item should have been honored at all. 
I have requested reconsideration and supporting documentation, including the endorsement and evidence of authorization, but the bank has Not providing information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I am a non-debtor third party being harassed by Credence Resource Management for a debt belonging to an individual I do not know. Despite explicitly informing the company on multiple occasionsmost notably on XX/XX/XXXX, XXXXthat they have a wrong number and that I am not the debtor, they have continued to place unauthorized calls to my personal cellular device. 
Summary of Harassment and Deceptive Tactics Pattern of Contact : Since XX/XX/year>, I have documented a systematic pattern of harassment consisting of at least XXXX call attempts from XXXX different phone numbers ( specifically XXXX, XXXX, XXXX, XXXX, and XXXX ). 
Automated Dialing ( TCPA ) : Many of these calls lasted only XXXX to XXXX seconds with " dead air '' before disconnecting, which strongly indicates the use of an automated telephone dialing system ( ATDS ) without my consent. 
Deceptive Representations : On recent calls, agents used misleading tactics by pressuring me to run my own credit report to " prove '' I do not have unrecognized loans. This is an attempt to shift the burden of verification onto me, even though my credit reports are clean and I have no legal relationship with this debt. 
Revocation of Consent : I have clearly revoked any perceived consent for these calls. Under the FDCPA, a debt collector may not communicate with a third party more than once for location information unless they have a reasonable belief that earlier information was wronga belief they can not hold given my explicit and repeated denials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
After being on the phone with this company since XX/XX/XXXX to make sure that they get paid in my credit doesnt take a hit. I asked XXXX of their representatives on XX/XX/XXXX if a personal check was OK to be mailed and she told me it was. When I returned from vacation on XX/XX/XXXX, I got letters in the mail saying that it was not OK. I rushed to the bank. I got a cashiers check after calling them and mailed them a cashiers check which they did not receive or say they did not receive. The first week of XXXX I sent them another cashiers check that they received and applied to my Account. After being on the phone with them a XXXX times, pleading with them to not attack my credit and work with me because Im attempting to make the payment. They absolutely refused. They have XXXX of my checks for {$4000.00} XXXX of which was a personal check that I did not get back and another is a cashiers check that is probably sitting on someones desk somewhere I have sent them pictures of the check and asked them to look for it and apply it towards my account promising that they have it sitting somewhere and they have been absolutely no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Since XXXX, I have been unable to use the card for much needed medications. Every call agent has been rude and incompetent. Today, I closed my account because I would never be able to use the card. Customer support team is heartless.

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 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Sectio
n 2 : It also states a consumer reporting agency can not furnish a 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 antedates the report by more than XXXX 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 2026-01-27 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX ago was told {$170.00} was owed on this account My name is XXXX XXXX XXXX XXXX XXXX XXXX, and I have been incarrated for the last XXXX yrs did not have access to any XXXX XXXX company to order anything from them pretty sure its a fruadltyment case anyways they put it on my credit and refuse to remove it off could you please look into this, also here is a company called XXXX XXXX as well and within XXXX months ago they took XXXX points off my credit claiming I owe them which I do not, I have proof where I was and had no access to these companies to order anything from them it has ruined my credit I'm trying to get back on my feet and establish better credit. I called XXXX XXXX and they refused to tell me how much it was that the account and claimed that my decseaed Mother address is the XXXX that owes it and I did have not live there or have never lived at that address like I said I have not been around any of these magiznies too buy anything due to this it has literliy ruined my credit score and has severly dropped my score Im XXXX yrs old really trying to have a life and good credit score could please help me out.

Company response to consumer: Closed with non-monetary relief