vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of Americas response to my complaint ID XXXX did not resolve the issue. Funds remain restricted due to alleged XXXX screening. The bank has not provided a written XXXX notice, has not confirmed whether funds are formally blocked or pending review, and has not provided a completion date for sanctions review I have requested several supervisory escalations and immediate release of my funds or formal XXXX determination and Bank of America has not provided any remedy or answer to my requests .This is still UNRESOLVED and I can not get an answer or time frame. I would like my {$2000.00} released. This is causing a HARDSHIP on my family and I am in jeopardy of being sued and having a lien put on my house.

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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding Wells Fargos refusal to properly review a business payment dispute. 
I paid {$750.00} via XXXX from my Wells Fargo business account to a transportation company for shipping services. The shipment was delivered with severe damage and the television does not power on. 
This is not a mistaken or unauthorized transfer. This is a commercial dispute involving damaged goods and improper service. 
Wells Fargo denied my claim under a fraud-only category and refused escalation. A supervisor stated the bank does not handle such disputes.

I am requesting regulatory review of Wells Fargos handling of this case and clarification of their policy regarding business payments made for services that result in damaged goods.The number of denied case is XXXX

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 2026-02-03 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Complaint Summary I am filing this complaint against American Express National Bank for inaccurate credit reporting, failure to properly investigate disputed and fraudulent charges, improper billing of annual membership fees prior to card receipt or activation, and continued reporting of false delinquencies despite active disputes and good-faith payments.

American Express has reported my account as 30 and 60 days past due to consumer reporting agencies using incorrect balances, even though the amounts reported include disputed, unauthorized, and improperly billed charges that remain unresolved after more than a year.

Detailed Explanation Unauthorized and Improper Fees American Express charged annual/new member fees before I received or activated the card, without consent. This constitutes improper billing, misleading practices, and violation of consumer protection standards.

Timely Fraud and Billing Disputes I timely disputed fraudulent and incorrect charges. American Express acknowledged the disputes and stated the matters were under investigation but failed to complete a lawful investigation, failed to provisionally credit the account, and failed to correct the balance.

Good-Faith Payments Ignored Despite incorrect balances, I continued making minimum payments in good faith while awaiting proper adjustments and credits. American Express nonetheless assessed late fees and reported delinquencies.

False Credit Reporting American Express reported 30-day and 60-day late payments with inflated and inaccurate balances to XXXX and other bureaus XXXX despite knowing the account was disputed. This reporting has materially harmed my credit profile. 

Failure to Correct After Notice Even after multiple complaints and direct disputes, American Express failed to correct or delete inaccurate information, in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: GA

Complaint narrative:
PORTFOLIOis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIOis 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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I deposited a check issued to me directly from the Federal Reserve with a total amount of {$5700.00}. I tried depositing the check in person, through XXXX XXXX up XXXX, and finally deposited the check through the USAA mobile app with the same notice of the check will be held for 7 days. I am livid with the ransoming of my money due to their handling of this check. When asked about them doing something to issue my funds, they only say they system wont allow is to issue it earlier. Seems they need to fix the system and quit putting the consumers at the bend of their mercy. After speaking with their XXXX team, I was treated with such disrespect by a smug representative who showed no interest in my issue.

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 2026-02-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2026-02-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was the victim of impersonation fraud involving my Bank of America checking account. An unauthorized transaction of approximately {$2400.00} was made using my debit card after a third party impersonated a legitimate merchant. 

I promptly reported the fraud, and Bank of America issued a provisional credit. On XX/XX/XXXX, the bank reversed the provisional credit and denied the claim, stating the transaction was authorized, without providing a clear explanation or evidence supporting that conclusion. 

The reversal caused my account to become negative and resulted in ongoing overdraft risk and fees. I repeatedly attempted to obtain clarification, documentation, and escalation, including through secure messages and phone contact, but did not receive a substantive explanation or relief. 

I am disputing the denial of the fraud claim, the reversal of provisional credit, and the resulting overdraft fees, and I am requesting that Bank of America properly review the impersonation fraud and provide relief consistent with consumer protection regulations.

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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
To Whom It May Concern, On XX/XX/year>, I disputed the accuracy of the above-referenced account pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681.

You responded that the account was verified. However, you failed to describe the method used to verify the accuracy of this information.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the method of verification, including : 1. The name, address, and telephone number of the party who verified the information 2. The specific documents relied upon to verify this account 3. Whether the verification was based on original source documents or electronic data 4. The name and title of the individual who conducted the verification Please note that a generic or automated verification process does not satisfy the requirements of the Fair Credit Reporting Act.

If you are unable to provide a complete and lawful method of verification, you are required to delete this account from my credit report.

Please respond within 15 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I am submitting this complaint against National Credit Adjusters ( NCA ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On or about XXXX XXXX I submitted a timely written debt validation request to National Credit Adjusters pursuant to XXXX XXXX. XXXX ( b ). My request disputed the debt in its entirety and demanded lawful validation prior to any further collection or credit reporting activity. 

Despite receipt of my dispute, National Credit Adjusters failed to provide proper validation of the alleged debt. At no point did NCA provide : A copy of a signed agreement bearing my signature Proof of ownership or assignment of the debt An itemized accounting of the alleged balance Documentation establishing their authority to collect Instead, National Credit Adjusters continued to furnish and re-furnish the disputed account to consumer reporting agencies, causing ongoing harm to my credit profile. 

This conduct constitutes continued collection activity after a valid dispute, in direct violation of FDCPA XXXX ( b ). 

Additionally, by reporting the account as verified or allowing credit bureaus to mark the account as verified without lawful validation, NCA has engaged in false, deceptive, and misleading representations, in violation of FDCPA XXXX. 
Further, once NCA received notice of my dispute from the credit bureaus, they were legally required under FCRA XXXX ( XXXX ) to : Conduct a reasonable investigation Review all relevant information Report only accurate and verifiable information NCA failed XXXX meet these obligations. No competent evidence exists showing that a reasonable investigation occurred, yet the account continues to be reported. 

By furnishing unverified and disputed information, NCA has also violated : FCRA XXXX ( b ) failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) furnishing information known or which should be known to be inaccurate Evidence Supporting This Complaint Timely written debt validation request sent to NCA Failure XXXX NCA to XXXX lawful validation Credit reports XXXX continued reporting after dispute Credit bureau XXXX XXXX the account was verified without disclosure of the verification method. 

NCAs actions have caused : Ongoing damage to my credit reputation XXXX suppression of my credit scores XXXX harm through inaccurate risk profiling Emotional distress from unlawful collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Issue : Unauthorized wire transfer / fraud On XX/XX/year> a {$5000.00} wire transfer was sent from my Chase account without my authorization. I did not initiate, approve, or participate in this transaction. My account was linked to my mothers account, which was compromised during a social engineering scam involving a fraudulent XXXX payment. I was not involved in the scam, did not communicate with the fraudster, and did not provide credentials. My mom went into Chase Bank the same day to resolve the issue, filed a fraud claim, provided evidence of the fraud, and froze all our accounts so no additional money could be withdrawn. We were told the refund would take up to 10 days and that they would take care of the issue. On XX/XX/XXXX, my mom filed a claim with the Better Business Bureau resulting in a call from XXXX who is an XXXX at Chase. She explained the case needed further investigation. Chase denied the fraud claim ( claim number XXXX ) citing that the transaction originated from the same IP address and local geographic area. This does not establish authorization. XXXX XXXX address or proximity does not demonstrate that I approved a wire transfer. Chase has not provided evidence of my authentication, consent, or approval for this wire. I am requesting documentation showing the specific authorization method used to process the transaction. Absent such proof, this was an unauthorized wire transfer and a failure of account safeguards. 

Documents attached below include the conversation my mom had with the " buyer '' on XXXX, the email she received from XXXX with a support phone number, her call log and messages with that number, and the amount of money taken from her account and mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am disputing accounts reported by LVNV Funding LLC for the amounts of {$1200.00} and {$460.00}, that are on my credit report, that I have no knowledge of, and are inaccurate and came as a complete surprise. I have requested debt validation but received no proper verification. Reporting these debts without validation violates my rights under the Fair Credit Reporting Act 15 U.S.C. 1681e ( b ), 1681i and the Fair Debt Collection Practices Act 15 U.S.C. 1692g. I request that these accounts be validated or removed immediately. Failure to correct this may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo disclosed my personal and/or financial information without my authorization. I later received multiple remediation payments from Wells Fargo, including a final payment of approximately {$2000.00}. I did not sign any release or agreement waiving my rights. 

When I contacted Wells Fargo to discuss the issue, the company attempted to minimize the impact by stating that the exposure was brief. I disagree with this characterization. Any unauthorized disclosure of my information, regardless of duration, is unacceptable and constitutes a privacy violation. 

I believe the remediation amount offered does not adequately compensate for the unauthorized disclosure of my information or the potential risk created. I am filing this complaint because I do not believe the matter has been fairly resolved.

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 2026-02-03 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: NC

Complaint narrative:
On XX/XX/year> I made a Cashapp payment to XXXX XXXX, XXXX XXXX. The payment was made by mistake. I intended to pay XXXX XXXX XXXX. The payment made to XXXX XXXX was a mistake. I asked XXXX XXXX to refund the money the recipient refused. The money was not intended for XXXX XXXX. I have requested several refunds and I have not received an answer from Cashapp. I did not intend to pay XXXX XXXX and the money doesn't belong to him or her. I just want my {$250.00} back so I can pay the correct person. 

XX/XX/XXXX {$250.00} The company asked me to dispute it. I disputed the transaction twice. I keep getting the run around. I just want my money back. XXXX XXXX was not the intended recipient. He has money that doesn't belong to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IQ DATA IXXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA XXXXis 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 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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIRSTBANK
State: CO

Complaint narrative:
I am filing a complaint regarding a {$9600.00} debit card transaction made to a merchant called XXXX. 

The payment was made for a comprehensive immigration and resettlement service package. The promised services included assistance with migration to XXXX, job search support, housing search assistance, educational placement support for my child, and obtaining work authorization and permanent residency within approximately 18 months once physically present in XXXX. 

The immigration process began on XX/XX/XXXX. From XXXX through approximately XX/XX/XXXX, the merchant maintained regular communication with me, typically at least once per month, stating that they were actively working on employment and settlement arrangements. 

After XX/XX/XXXX, the merchant ceased all communication despite multiple attempts to follow up. By XX/XX/XXXX, it became clear that none of the promised services would be provided.

Due to the nature of immigration and resettlement services and the merchants continued reassurances, the non-performance could not reasonably be detected within the initial 60-day dispute period. This constitutes a delayed discovery of non-performance and misrepresentation.

My bank, FirstBank, denied my dispute solely based on timing, without properly considering that this was a service-not-rendered case involving delayed discovery.

I am requesting a fair review and reimbursement of my funds for services that were never delivered.

Company response to consumer: Closed with explanation