vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax regarding inaccurate, incomplete, and potentially unverifiable information currently being reported on my consumer credit files. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$26000.00}, opened XXXX, is being reported as a late closed- account showing multiple severe delinquencies including 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), 90 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). This tradeline carries substantial negative impact on my credit profile ; however, the reporting appears inconsistent and suggests possible aggregation or improper classification that raises serious concerns regarding whether the account is being accurately categorized, properly separated from other reporting structures, and independently verified as required under the Fair Credit Reporting Act. Under FCRA 609 and 611, I requested full disclosure and a reasonable reinvestigation, yet the continued reporting indicates that the bureaus may be relying on automated verification rather than a documented review of competent evidence. Furthermore, pursuant to FCRA 623 ( b ), the furnisher is legally required to conduct a thorough investigation and provide complete, accurate, and verifiable documentation supporting the status, balance accuracy, payment history, and account classification. The burden of verification rests entirely with the credit reporting agencies and the furnishernot with me as the consumer. Reporting information that is inaccurate, incomplete, misleading, or unverifiable constitutes noncompliance with federal law and continues to cause significant harm to my credit standing, financial opportunities, and overall financial stability.

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 2026-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX, I called American Express customer service to confirm my eligibility for a {$400.00} XXXX promo offer. As stated by the customer service representative that I was on the phone with, I opened a XXXX on XX/XX/XXXX. I did this because I saw a promotional sign up offer for the XXXX on the official website ( Americanexpress.com ). the promotion was as follows : " Earn a {$400.00} Cash bonus after your deposit {$25000.00} or more into a new American Express High Yield Saving Account opened by XX/XX/XXXX. New account must be opened by XX/XX/year>. Funds must be deposited with in the first 30 days of account opening and maintained for 60 days. the bonus will be credited within XXXX weeks, after all requirements are met. '' Now I did ALL of that. I opened my XXXX account on XX/XX/XXXX. {$25000.00} was put into that account on XX/XX/XXXX ( which has stayed in the account the entire time ). So just to confirm that I was going to receive the {$400.00} I called customer support. They told me this offer was only given to current credit card holders ( at the time ) through an email and to be eligible you had to click the link on the email. He said this promotion was given to NO ONE else. HOWEVER THIS IS NOT TRUE. I am a credit card holder and I didn't get this through an email. I told him that I had screen shots of this promo. And I later confirmed that this screen shot was from their website. now I asked him to send me the conditions of this promotion. He said he could not. so I was unable to verify if that the clicking the link on an email was actually even apart of the terms. Either way I got this promotion from the website not an email. Now either American Express made a mistake by posting this on their website, and I am stilled owed {$400.00}, because terms were stated on the website. I did my end of the terms. OR it looks like American express is tricking their customers into putting their money into the company through a XXXX. Bottom line 3.20 % that they are offing cant compete with places who are doing it at XXXX %! so thats why you have the promotion. And that is the only reason why I signed up for the XXXX. Either way I am still owed {$400.00} because I kept the terms and conditions stated on the websites promotion. I found it on the website and I red through the terms. I kept my end of the deal, i'm owed {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roberts Markel Weinberg Butler Hailey PC
State: TX

Complaint narrative:
Roberts Markel Weinberg Butler Hailey PC ( XXXX ) is the collection attorney for XXXX XXXX XXXX XXXX XXXX XXXX XXXX acting as a debt collector under the FDCPA. I am filing this complaint for the following reasons : 1. XXXX has continued to accumulate attorney fees and collection costs against my account despite my repeated documented attempts to pay base assessments- at least 12 written requests between XX/XX/XXXX and XX/XX/XXXX asking how to pay. None received a clear answer until XX/XX/XXXX. 2. Texas Property Code Section 209.0064 prohibits holding an owner liable for collection agent fees unless proper certified mail notice was sent first. The notice XXXX relies on is dated XX/XX/XXXX but USPS tracking shows pre-shipment on XX/XX/XXXX - a 4-day discrepancy. The notice was returned to sender after a single delivery attempt on XX/XX/XXXX and never delivered. I have requested the USPS certified mail acceptance record ( XXXX XXXX XXXXXXXX ) four times since XX/XX/XXXX. It has never been produced. 3. On XX/XX/XXXX XXXX offered to discuss a fee waiver and payment plan. The next morning XX/XX/XXXX, the same attorney said this conversation is over and threatened to file a lawsuit- before I had any opportunity to respond to the settlement offer. 4. XXXX has continued billing attorney fees for correspondence while simultaneously refusing to provide a clear payment method for base assessments, causing the balance to grow artificially. 5. The Associations own XX/XX/XXXX billing statement explicitly states You do not have online payment access at this time - confirming that payment access has been blocked. XXXX has been collecting fees on an account the XXXX itself acknowledges is inaccessible for payment. Texas AG complaint has been filed- XXXX XXXX. XXXX. Desired resolution : Removal of all attorney fees and collection costs from my account given the defective statutory notice and documented inability to pay. Confirmation of base assessment balance only so XXXX can remit payment immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this complaint regarding a denied fraud claim involving unauthorized access to my bank account through social engineering. On XX/XX/year>, I was the victim of a scam in which I was manipulated into providing a one-time passcode. The scammer used deception to impersonate a legitimate entity and gained access to my account. I did not knowingly authorize any transactions, nor do I intend to give anyone access to my funds. Following this incident, unauthorized activity occurred on my account. Documentation provided by Wells Fargo shows that the login/access originated from an IP address that does not match my location, confirming that the access was not performed by me. I reported the fraud promptly and fully cooperated with the investigation. Despite this, Wells Fargo denied my claim solely on the basis that I provided a one-time code, treating the activity as authorized. This conclusion fails to account for the fact that I was a victim of fraud through deception ( social engineering ), which is a recognized form of unauthorized access. The financial impact of this incident has been significant, causing hardship. I relied on Wells Fargo to protect my account from fraudulent access, and I am seeking a resolution that complies with consumer protection standards. I am requesting that Wells Fargo : - Conduct a full reconsideration of my claim - Take into account the IP address discrepancy and evidence of unauthorized access - Reevaluate the determination that this activity was authorized - Provide reimbursement for the funds lost as a result of this fraud I believe my claim was improperly denied and did not fully account for the circumstances of the deception and unauthorized access. I am seeking a fair and thorough review of 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 explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC confirmed that my checking account was closed, yet the bank continued to assess fees and ultimately charged off the account. What Happened On XX/XX/year> at approximately XXXX XXXX PT, I called PNC at XXXX after receiving no response to my accountclosure request submitted through the PNC App chat. During that call, the representative stated that my checking account had been successfully closed. Despite this confirmation, PNC assessed {$25.00} in fees on XX/XX/year> and again on XX/XX/year>. On XX/XX/year>, I received a text message from PNC stating that the account had been charged off due to an outstanding debit balance. Why This Is a Problem PNC continued to impose fees on an account they confirmed was closed. These unauthorized charges resulted in a chargeoff, causing financial harm and potential credit impact. Actions Taken I attempted to close the account through the PNC App and then by phone. I received verbal confirmation of closure but no explanation for the continued fees or the chargeoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-04-29 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
The were multi transactions occured on XX/XX/year>. My phone was left unatteneded during a family gather. Phone wasnt lost but someone was purchased multi items used my phone. I requested to dispute and they did investigation and ended up that they couldnt prove I wasnt making those transaction but they also couldnt tell I did them either. However, they came back said all valid! But there werre time credit card did declined XXXX or XXXX transactions but continue to let it process after..... anyway, due to i didnt make those or no idea who did, so i refused all packages in hope i dont need to get charged. After they rejected, I showed them I didnt receiced any of packages and provided tracking info. They came back saying I only had XXXX chance to file and it was dispute. So they couldnt continue. I like to ask, XXXX can change dispute reason, why this credit card cant? Why? I dont get it. I feel they didnt treat us as consumer rightful nor respect our protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: KY

Complaint narrative:
I am disputing a collection account reported by IQ Data XXXX for approximately {$17000.00} related to an alleged rental debt. On XX/XX/year>, I sent a certified written request for validation of this debt. I requested documentation including a copy of the lease agreement, a full itemized statement of charges, and documentation supporting the balance being reported. I have not received any response or documentation validating this debt. Additionally, a separate certified letter sent on behalf of my spouse was returned as unclaimed / unable to forward, indicating the company is not accepting written disputes at the address they provide. Despite this, IQ Data XXXX continues to report the account to the credit bureaus, and the account has been marked as verified. However, no documentation has been provided to support the accuracy of the balance being reported. I am requesting that IQ Data XXXX provide proper validation of this alleged debt or cease reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year>, I was targeted in a marketplace overpayment scam originating from a {$50.00} item listed on XXXX. A supposed buyer used a fake business account story and impersonation of a payment representative to induce me into sending {$500.00} through PayPal. I recognized the fraud at approximately XXXX XXXX the same day, contacted local police at approximately XXXXXXXX XXXX, and contacted XXXXXXXX XXXX at approximately XXXX XXXX to place a stop payment, within roughly XXXX hours of the fraudulent inducement. The stop payment prevented funds from successfully clearing my bank account, so I did not sustain an actual completed loss of {$500.00}. Despite this, PayPal has asserted a {$500.00} negative balance against my account arising from this fraud-induced transaction. I dispute that this is a valid debt or proper negative balance because the transfer was induced by scam deception and was promptly revoked through my bank. I have supporting documentation, including scam communications, transaction evidence, call logs, and stop-payment evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Old Wells Fargo Credit Card. Paid off and closed XXXX. But the CR Shows the closed XXXX ... and then collection?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Approximately 3 years on XX/XX/XXXX XXXX, my bank ( Bank of America ) account was compromised due to fraudulent activity. Unauthorized transactions were made on the account as a result of a scam. I did not knowingly authorize or benefit from these transactions. At the time, I was unaware that I was a victim of fraud and did not understand that I needed to immediately report the issue or file a police report. As a result, the account was later closed and reported to XXXX. I am now attempting to correct this issue after learning that this negative reporting is affecting my ability to open a bank account. I have since taken steps to address this, including disputing the information and completing an Identity Theft Affidavit through the FTC. I contacted the bank to request an investigation, documentation of the transactions, and verification of the information being reported. However, the issue has not been properly resolved, and the account continues to be reported despite the fraudulent nature of the activity. I respectfully request that the bank conduct a proper investigation and remove this inaccurate reporting from XXXX if the transactions can not be verified as authorized. This situation resulted from unauthorized/fraudulent activity, and I am seeking a fair resolution so my consumer record accurately reflects this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
My federal student loans were transferred to Aidvantage in XX/XX/XXXX without my knowledge. I did not receive a welcome notice, billing statements or any U.S. mail or phone communication from the new servicer. In XX/XX/XXXX, I submitted an income-driven repayment repayment ( IDR ) recertification after being notified by my prior servicer that my payments had increased. I did not receive any follow up regarding my IDR application or updated payment amount. In XX/XX/XXXX, I contacted my prior servicer and was informed my loans had been transferred and were past due. I then contacted Aidvantage, created an account, and attempted to make payments to bring the account current. Between XXXX and XX/XX/XXXX, multiple payments I submitted were reversed without explanation. I contacted Aidvantage several times and was told the issue would be escalated. I was later instructed to update my bank information and resumbit payment, which I did. A payment submitted on XX/XX/XXXX was processed, but not correctly applied across all loans, and my account continued to show a past due balance. Despite my repeated efforts to resolve the issue, Aidvantage reported my account as delinquent to the credit bureaus, causing a significant drop in my credit score. I also requested documentation, explanations, and instructions to dispute the reporting, but did not receive complete or consistent responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
This complaint is a follow-up to a previous CFPB complaint ( XXXX ), reflecting upon new conduct that occurred after the closure of that case. I closed my previous complaint when Synchrony issued a letter dated XX/XX/2026 confirming a temporary credit of {$710.00} had been applied. That letter stated three things explicitly : XXXX the credit would only be reversed if Synchrony received information showing no billing error occurred, XXXX. I would be notified in writing if such information was received, and XXXX if no such information was received within two billing statements from the dispute date, the credit would become final. On XX/XX/2026 ( nine days later ) Synchrony reversed the credit with a generic form letter that cited no merchant documentation, identified no information received, and did not constitute the written notification they promised. No substantive reasoning or solutions were provided when I called about it.

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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ADP Inc.
State: LA

Complaint narrative:
I received fraud alerts on my phone then I received a phone call about the fraudulent transaction. The representative claims they were from my Bank calling about the suspicious activity the phone number they called from was the exact number on the back of my debit card. He said he sent a verification code which I got and repeated it to him thats when they got into my account and transferred {$2500.00} dollars to an unknown debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: FL

Complaint narrative:
MCM corporation : The reporting on all of this company 's alleged debt have been inaccurately reported, missing information or misleading. As per the FCRA all reported accounts on credit reports must be fair and accurate or must be deleted. Please provide a bill of sale for said accounts, signed contracts or agreements with my signature for said accounts, chain of ownership, proof of your authority to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
My school refund was deposited into my account a total of XXXX and XXXX was transferred someone had been changing my password logging into my chime threatening me and harassing me

Company response to consumer: Closed with explanation