vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I am filing a follow-up complaint regarding inaccurate credit reporting by Rent Recovery Solutions XXXX I previously filed a complaint with the Consumer Financial Protection Bureau ( Complaint XXXX ), and the company failed to respond. This lack of response to a federal complaint demonstrates a disregard for compliance and consumer rights. This account does not belong to me. It is being reported under the name XXXX XXXX, which is not my legal name. My name is XXXX XXXX, and I have never used or been associated with the name XXXX XXXX. I have already provided identity verification, including my drivers license, confirming this discrepancy. This account was previously removed from my credit report after dispute, yet it was reinserted without any notice and without correcting the incorrect identity information. I did not receive any reinsertion notice, nor was I provided with documentation demonstrating how this account was verified as belonging to me after I had already established that it does not. I previously requested debt validation, the original lease/agreement, identity verification, proof the account belongs to me, and reinsertion notice documentation, and these requests were not properly addressed. This conduct appears to violate multiple provisions of the Fair Credit Reporting Act, including : * 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : reinsertion of previously deleted information without proper notice; * 15 U.S.C. 1681e ( b ) : failure to ensure maximum possible accuracy in reporting; * 15 U.S.C. 1681s-2 ( b ) : failure to conduct a reasonable investigation after dispute. This inaccurate reporting has caused real harm, including denial of housing opportunities. Given the companys failure to respond to the prior complaint, I request that this matter be reviewed with urgency. I am currently gathering and preserving all documentation related to this matter. This is a final opportunity to correct this issue before further action is taken.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Consumer Financial Protection Bureau Re : Complaint Against National Credit Systems , Inc. / Account XXXX Issue : Incorrect debt collection, inaccurate credit reporting, and incomplete validation. I am filing this complaint regarding National Credit Systems , Inc. and a disputed collection account being collected and/or furnished to the credit bureaus. I previously disputed this account and requested validation. In response, the collector relied on a resident ledger, itemized statement, and lease documents. However, the documents provided still do not adequately substantiate the balance being claimed and reported. The records provided show a claimed balance of {$9900.00}, including {$8300.00} in rent owed, {$180.00} in utility charges, {$510.00} in attorney fee, and {$810.00} labeled as " Other. '' The lease also reflects monthly rent of {$1100.00}, a {$500.00} security deposit, a {$120.00} move-out inspection fee, and joint-and-several liability language. My complaint is not that the company sent no paperwork at all. My complaint is that the paperwork still does not verify that the full amount being collected and reported is accurate, complete, and legally enforceable. Specific issues include : A substantial portion of the balance is grouped into a vague " Other '' charge of {$810.00} without a full line-by-line explanation and supporting documentation. The company is claiming a {$510.00} attorney fee and other legal/ejectment-related charges, but I have not been provided competent documentation establishing the exact contractual and legal basis for each such amount. The ledger reflects credits and adjustments, including a {$500.00} security deposit credit and other end-of-tenancy credits, followed by charges that bring the balance back to {$9900.00}, but the collector has not provided a clear reconciliation showing how the final amount was calculated and why each amount remains due. The lease limits deductions and charges to categories authorized by the lease and North Carolina law, so unsupported or insufficiently explained amounts should not be treated as verified. I request that National Credit Systems : 1. Provide a complete line-by-line accounting of the full balance. 2. Fully explain and document the {$810.00} " Other '' charges. 3. Provide the exact contractual and legal basis for the {$510.00} attorney fee and any other legal/ejectment-related charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : Attention CFPB Request for Compensation Due to Failure to Provide Purchase Agreement and Resulting Credit Damage Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue involving Portfolio Recovery Associates LLC. I requested a purchase agreement from them to verify the amount owed and to confirm their right to collect on the debt. Despite this clear request, they failed to provide the purchase agreement or any relevant documentation. Moreover, Portfolio Recovery Associates LLC did not respond within a reasonable time frame, and as a direct consequence, my credit was damaged. Their failure to act responsibly and communicate has caused me significant harm, including financial loss and emotional distress. Due to these issues, I am seeking compensation in the amount of {$1000.00} to cover the damages resulting from their negligence. I am submitting this formal complaint to the CFPB to request your assistance in resolving this matter and holding Portfolio Recovery Associates LLC accountable for their actions. Thank you for your attention to this urgent issue. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I reported {$2100.00} in fraudulent debit card transactions to Randolph-Brooks Federal Credit Union XXXX I spoke with representatives XXXX and XXXX. I requested escalation to a supervisor and was told that XXXX ( supervisor ), XXXX ( manager ), and XXXX ( senior manager ) were all unavailable. When I continued to request assistance, the call was disconnected. I was not provided a way to escalate my concern despite the urgency and financial hardship caused by this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX deposit by XXXX XXXX deposited into my account. A customer with a history of 21 years with the Bank of America. XX/XX/XXXX, funds were deemed as fraudulent and this law firm has written checks to me once or twice before. Any large deposit takes almost three weeks to clear. Regardless if there was a past history of checks coming from the same lawfirm. It seems like the services offered to many are not offered to all. My mother or any other party has the right to donate as they see fit. The BOA has no right to refuse someone who wants to give me money of any amount. The BOA only offered to escalate this and nothing more. For being a loyal customer, I am treated like a second class citizen.

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, XXXX separate charges of {$220.00} each were made on my Apple Card at XXXX XXXX within a short period of time. These transactions were not made or authorized by me. I disputed these charges and requested that they be reversed and investigated as unauthorized. The company denied my dispute twice, stating only that a physical card was used, without providing any supporting evidence or detailed explanation. The transaction pattern is not consistent with legitimate cardholder use. Three identical high-dollar charges occurring back to back is abnormal and does not reflect my usage behavior. On XX/XX/year>, there was an additional attempt to use the card at a different location, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. This transaction was declined because the card had already been replaced. This confirms continued unauthorized use after the initial activity. The merchant description " XXXX XXXX '' does not establish what was purchased. If these were retail transactions, they are unauthorized high-dollar charges. If these were fuel transactions, the amounts exceed what is physically possible for my vehicle. I drive a XXXX XXXX with a fuel capacity of approximately XXXX gallons. At typical fuel prices, a full tank is approximately {$60.00} to {$75.00}. It is not possible to reach {$220.00} in a single transaction, and not possible to repeat that amount multiple times in succession. The companys determination appears to rely solely on the claim that a physical card was used. This does not establish authorization. Compromised card data can be used in ways that still register as card-present transactions, particularly at fuel locations. Based on the transaction pattern, the repeated identical charges, and the continued attempted use after the card was replaced, this activity is clearly unauthorized and was not properly investigated. I am requesting removal of these charges and a compliance-level review of this case, including a clear explanation of the evidence used to deny my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, GA, XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security XXXX are XXXX. I am writing to formally dispute the erroneous debt collection entry reported by the XXXX XXXX XXXX XXXX account number ending in XXXX, which is currently reflecting a balance of {$610.00} under collections on my credit reports with XXXX XXXX XXXX. My credit scores are significantly impacted due to this incorrect information, currently standing at XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX, I filed a dispute with the credit bureaus regarding this account, as I do not recognize this debt. The Fair Credit Reporting Act ( FCRA ) requires that information reported on credit reports be accurate. This obligation extends to debt collectors who report to the credit bureaus. Since this debt does not belong to me, it constitutes a violation of my rights under the FCRA. The presence of this unverified and incorrect debt has caused undue stress and harm, notably affecting my creditworthiness and financial opportunities. It has hindered my ability to obtain credit at favorable terms and has created an unnecessary financial burden. This situation needs immediate rectification to prevent further damage. XXXXI request that XXXX XXXX XXXX XXXX provide validation of this debt or cease all collection activities. Since this debt is not mine, I demand the complete removal of this account from all my credit reports, including XXXX XXXX XXXX XXXX I expect confirmation of this action in writing so I can ensure my credit reports reflect accurately, as per my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XXXX XXXXXXXX XXXX I received a call and fell victim to a social engineering scam involving impersonation of my financial institution ( Navy Federal Credit Union ). The caller was highly convincingly impersonating my bank 's fraud department and provided accurate account and personal information which led me to believe I was acting under legitimate instruction. I transferred money, placed in my checking account by a fraudulent cash advance on my credit cards, out of my account and through XXXX to repay what the caller explained as a " cash app loan. '' After the completion of the transaction, I recalled the number that had contacted me. This number was the actual Navy Federal CU customer service line and I was informed that it was a scam and an unauthorized user had gained access to my account. Throughout the day, I attempted to resolve the situation with my bank and had come to the conclusion that it had been resolved. The cash advances on my credit cards were reversed and new accounts were opened due to the security breach of my existing ones. As an XXXX XXXX service member, I was sent to a location with limited to no cell coverage. During this time the bank attempted to reach out for comments on the ongoing fraud investigation, but due to my inability to answer, deemed me at fault and as an " active participant. '' My checking account was over drafted by NFCU to refund the money transferred out without informing myself or making any attempt at contacting the other authorized user of the accounts. An appeal was placed on the XXXX of XXXX and the outcome was the same. I am seeking that this case be reevaluated as fraud involving impersonation and compromised trust in the security of my financial institution. Had this caller not had sensitive account information, I would not have believed their claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
am filing a complaint against Halsted Financial regarding attempts to collect a debt that does not belong to me ( XXXX XXXX XXXX XXXX XXXX, now with XXXX XXXX, XXXX ). I have previously disputed this debt and requested that they cease communication. Despite this, I continue to receive collection messages. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), including contacting me about a debt not owed and continuing communication after a cease request. I am requesting : * Immediate cessation of all communication * Written confirmation that this account has been removed from my name * No further collection attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: KEYCORP
State: WA

Complaint narrative:
A company XXXX took unauthorized funds from my account XXXX l filed complaint with my bank Key Bank who credited XXXX to my account today they sent a letter stating that they were taking the money back out of my bank account that they found in favor of this unauthorized transaction from this company. I wish to file a complaint on my bank key bank, and I wish to get my funds restored to me they have overdrafted my account and theyre gon na give me a {$20.00} overdraft fee. I want these funds reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
I am filing a complaint regarding a payment I made to ACE Cash Express that has not been properly applied to my account. On the XXXX, I called to make a payment on my loan before the due date. The payment was successfully processed, and the funds were deducted from my bank account. However, the payment has not been applied to my loan balance. I have contacted ACE Cash Express multiple times to resolve this issue. Each time, representatives have been unable to locate the payment or provide any clear explanation. Despite my efforts, the issue remains unresolved, and I am now at risk of being charged for a loan that I have already paid. This situation is extremely concerning, as I have proof that the funds were withdrawn from my account. I am requesting the following : 1. Immediate investigation and confirmation of my payment 2. Proper application of the payment to my loan account OR a full refund 3. Assurance that I will not be charged any late fees, penalties, or additional interest due to this error I expect this matter to be resolved promptly. I am prepared to provide bank statements and any additional documentation to support my claim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truist closed my account in XX/XX/XXXX and issued a check on XX/XX/XXXX, which I never received. I was instructed to wait 90 days, which I did. On XX/XX/XXXX, I signed a declaration of non-receipt at a branch as requested. More recently, approximately 8 days ago, I was required to return to the branch to sign another document due to an internal error made by Truist with my account information. It has now been over 5 months since the check was issued and I still have not received my funds. Truist has informed me that they are still waiting for a response from an internal department to authorize my payment, without providing any clear timeline. I have made multiple visits to the branch and complied with every requirement. The branch representative has been helpful, but the issue remains unresolved due to internal delays. At this point, the delay is unreasonable and unacceptable. I am requesting the immediate release of my funds or a confirmed payment date.

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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am filing a complaint regarding unauthorized XXXX withdrawals from my account at Wells Fargo. Beginning in XX/XX/XXXX, a series of unauthorized XXXX transactions were made from my account by unknown parties and continued into early XXXX. I did not authorize any of these debits, nor did I provide permission to any third party. This account is used only for limited, routine payments ( such as credit cards and mortgage ), and the transactions appeared consistent with normal activity. Because of this, they were not reasonably identifiable as unauthorized at the time. I discovered the issue and reported it promptly on XX/XX/XXXX. Wells Fargo reimbursed a portion of the transactions ( approximately {$6000.00} ), explaining that they were able to recover or cover those within certain timeframes. However, they denied reimbursement for the remaining transactions ( approximately {$2000.00} ), citing dispute right limitations. While I understand the banks explanation regarding timing, all of these transactions were part of the same pattern of unauthorized ACH activity, and I did not authorize any of them. I am requesting a full review of the remaining transactions and any documentation of authorization for those debits. Given the ongoing nature of the fraud and the fact that I reported the issue as soon as it was discovered, I am requesting that Wells Fargo reconsider and provide a fair resolution, including reimbursement of the remaining unauthorized transactions. I believe I acted reasonably under the circumstances and am seeking assistance in resolving the remaining losses.

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 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
square, a subsidiary of block , Inc charge my account {$1500.00} charge me fee for decline transaction, i didnt authorize this charge i even dont have money in my account and, my balance is- {$1500.00} from my checking account us bank and they close my square account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DigniFi
State: SC

Complaint narrative:
I have shared FTC reports, police report file numbers, shared all of the other accounts that were falsely opened in my name and resolved. I sent them evidence that all 3 credit bureaus have wiped this fraudulent activity from my credit, and yet, the company still sold my account to collections. I have spoken with representatives on the phone multiple times over the past year, sent in all evidence multiple times, and asked to speak with managers or someone in the fraud department. This has been ongoing for 2 years, and now I'm dealing with collections. All other accounts opened- XXXX credit card, apartment rental, and car rentals have been cleared, but Dignifi continues to pursue this debt that is not mine.

Company response to consumer: Closed with explanation