vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b'Formal Notice of Appeal: Fraud Claim Rejection\nTo: [Bank of America] Fraud Operations / Appeals Department\nDate: XXXX XXXX XXXX\nAccount Number: [Ending in XXXX\nClaim Reference Number: XXXX claim number XXXX\n\nSubject: Formal Appeal of Denied Fraud Claim\n\nTo whom it may concern,\n\nI am writing to formally appeal the denial of my fraud claim regarding the transaction(s) totaling $XXXX] that occurred on [XXXX]. Your recent letter stated that the claim was denied because the transaction was "authorized." I am contesting this decision based on the following grounds:\n\n1. Lack of Valid Authorization\nWhile the bank may view this as an "authorized" transaction, it was initiated under false pretenses and criminal coercion. Under current consumer protection standards, a transaction induced by fraudwhere the consumer is deceived into granting access or sending funds to a criminaldoes not constitute "informed consent."\n\n2. Failure of Fraud Monitoring Systems\nThe transaction in question was highly "out-of-character" for my account history in terms of [Amount / Recipient / Frequency]. [Bank Name] has a duty to maintain effective fraud monitoring. The failure of your systems to flag or hold this suspicious activity constitutes a lapse in the banks duty of care to protect my assets.\n\n3. External Data Vulnerabilities\nMy personal information was recently compromised in a major third-party data breach (specifically the XXXX XXXX XXXX breach), which likely provided the scammers with the data necessary to target me convincingly. This context demonstrates that I was the victim of a sophisticated criminal operation, not personal negligence.\n\n4. Official Reports Filed\nI have taken the following legal steps to verify the legitimacy of this theft:\n\nFBI IC3 Report Number: \n\nLocal Police Case Number: [XXXX XXXX Sherriff Dept XXXX XXXX XXXXXXXXRequested Action\nI request that you reopen this investigation immediately. Please provide the "Evidence of Investigation" (as required by Regulation E) that you used to reach your initial denial, including any logs showing the IP address, device ID, and location used for the transaction.\n\nIf this matter is not resolved within 10 business days, I will escalate this complaint to the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC).\n\nSincerelyXXXX XXXX XXXX XXXX[Your Phone Numbe-'

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 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Exeter Finance LLC. Exeter Finance is reporting an account on my credit report as a profit and loss write-off with a balance of {$20000.00} and a charge-off date of XX/XX/year>. I dispute the accuracy of this reporting and have requested documentation verifying the balance and repossession details. To date, I have not been provided with adequate documentation supporting the reported balance or the calculation of the alleged deficiency amount after repossession of the vehicle. Specifically, I have requested documentation including the original signed loan agreement, full payment history, notice of sale, auction sale price of the vehicle, and a detailed calculation of the remaining balance. Without proper documentation, the accuracy and legality of the reported balance can not be verified. Reporting unverified or inaccurate information on my credit report is a violation of the Fair Credit Reporting Act. I am requesting that Exeter Finance LLC either provide complete documentation verifying the account and deficiency balance or immediately remove this tradeline from my credit report with all three credit bureaus. I also request that any inaccurate or unverifiable information currently being reported be corrected or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-03-11 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: TN

Complaint narrative:
In XX/XX/XXXX, I received my credit card statement and to my surprise there were charges on my account that I didnt make. There was a large purchase for XXXX in the amount of {$970.00} for a XXXX which they stated they left at my door and received no signature and also a product from a unknown online store in the amount of {$14.00}. I contacted Synchrony Bank via XXXX XXXX XXXX to inform them that I didnt make these charges nor did I authorize anyone else to use my card. I also contacted XXXX to inform them of this matter and was advised that the credit card company needed to notify them. Synchrony Bank has been supposedly investigating this matter for almost 2yrs now with no resolution. This has caused my credit score to fluctuate repeatedly each time they reverse the charge back to my account. On XX/XX/XXXX, the account was redisputed and in less than 30 days the charges were assessed back to my balance. This has caused me a great deal of stress and XXXX and its going 2yrs. I was told to get a police report and also an identity theft report regarding this matter and send the documents to them. I provided this information and they continue to hold me responsible for these charges. I also asked if they ever contacted XXXX regarding this matter and was told they didnt. I have attached screenshots, but could only go back to XXXX. As of XX/XX/XXXX. I spoke to a Fraud Investigator and was told that on XX/XX/XXXX the claim was denied without any notification from Synchrony Bank. I was provided with investigators name is XXXX who is with their consumer corporate office @ XXXX ext. 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 monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I am submitting this complaint regarding an attempt to collect an alleged rental debt that is not valid. I am requesting the CFPB investigate the matter as the debt being pursued is inaccurate and unsupported. During my tenancy at XXXX XXXX, I provided proper notice of my intent to vacate the property. I notified the property manager by email, clearly stating my move-out date. In addition, I returned the written move-out notice form that the property manager provided * *, which was given back to them at the time of my move-out. Under Georgia landlord-tenant law ( O.C.G.A. 44-7-7 ), termination of a tenancy requires notice from the tenant. The statute does not prohibit electronic written communication, and written notice may be provided through verifiable written means, including email, when it clearly communicates the tenants intent and termination date. I have retained documented proof of the email notice and the written paperwork provided at move-out. Despite my compliance with notice requirements, I am now being pursued for a debt that is not owed. Additionally, under the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ), debt collectors are prohibited from using false, deceptive, or misleading representations and may not attempt to collect any amount that is not expressly authorized by agreement or permitted by law * *. Attempting to collect a debt that is not valid violates these federal consumer protection provisions. Because I properly provided notice and vacated the property in accordance with my obligations, the alleged balance being pursued is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am requesting documentation necessary to verify the accuracy and ownership of my credit card account. Currently, I do not have complete monthly account statements or records that allow me to independently verify the balance, finance charges, fees, and payment history associated with this account. Without this information, I can not confirm whether the amounts claimed are accurate or compliant with the Truth in Lending Act ( TILA ).

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 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding inaccurate reporting and failure to properly investigate a dispute by XXXX XXXX and Early Warning Services. On XX/XX/year>, I submitted a written dispute to XXXX XXXX regarding the closure and reporting of a bank account associated with my name ( account ending in XXXX ). In my dispute, I clearly requested documentation verifying the accuracy of the information furnished to consumer reporting agencies, including XXXX and Early Warning Services. Specifically, I requested the exact reason for the account closure, any alleged loss amount, and any evidence supporting the negative reporting. XXXX XXXX responded with a generic statement claiming the information reported is accurate and that no changes were made. However, they did not provide any documentation, evidence, or explanation addressing the items requested in my dispute. Their response indicates that no reasonable investigation was conducted as required under the Fair Credit Reporting Act. Additionally, Early Warning Services also failed to properly investigate this dispute and simply continued reporting the same information without providing verification or documentation supporting the reporting. I am requesting that XXXX XXXX and Early Warning Services provide full documentation verifying the reporting, including the reason for closure, any alleged loss amount, and any evidence supporting the claim of suspected fraud. If they can not provide proper verification, I am requesting that the negative reporting be immediately corrected or deleted from all consumer reporting agencies. I also request confirmation that a reasonable investigation has been conducted in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: MI

Complaint narrative:
I am submitting this complaint regarding a disputed credit card charge with Bank of America that resulted from a workplace impersonation scam. During my first week at a new job, I received messages from an individual impersonating our company 's President and instructing me to purchase gift cards for what I believed were legitimate work-related purposes. Believing the request was authentic, I used my Bank of America credit card to purchase the gift cards. Shortly after realizing that the request was fraudulent and that my supervisor had been impersonated, I immediately contacted Bank of America and filed a fraud claim. However, the bank initially denied the claim, stating that the transactions were authorized because they were completed using my own device. I explained to the bank that this was not a typical authorized purchase but rather the result of a social engineering / impersonation scam, where I was deceived into making the purchase under false pretenses. I have requested that the claim be reconsidered and reopened on Friday, XX/XX/XXXX. However, 5 days later I have received no emails and no updated about my claim reopening. I am now submitting additional documentation to support my case, including the impersonator emails, screenshots of the impersonation messages, receipts for the gift cards, and documentation from my employer confirming that an impersonation scam occurred. I respectfully request that Bank of America conduct a thorough review of this dispute in light of the evidence provided and reconsider the denial of my claim.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Validation of Debt Request - MIDLAND CREDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, I made a purchase using my Capital One XXXX. The purchase price was {$41.00}. The item was defective. I contacted the merchant, and they first offered me a refund of {$4.00}. I rejected that offer, and then they offered me {$7.00}. I rejected that offer and filed a dispute with Capital One. On XX/XX/year>, Capital One closed the complaint in the merchant 's favor. I provided Capital One with documentation of the offers from the merchant and proof that the device does not work. Their response, very quickly, was that their decision stands. I want the refund as stated in my dispute of {$41.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account was frozen after I added a joint holder. The bank won't let me withdraw my money, or close the account until my joint holder ( who is overseas ) visits a branch

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
b'Wells Fargo is inaccurately reporting a fraudulent Wells Fargo XXXX Visa XXXX tradeline (accounts ending XXXX) as "charge off / paid charge off" with major delinquency across XXXX, XXXX, and XXXX. This stems from two unauthorized $XXXX "XXXX XXXX XXXX XXXX XXXX XXXX" charges on XXXX-XXXX totaling $XXXXfraud I reported to Wells Fargo, police, and FTC. My XXXX XXXX statement explicitly noted "Payment of amount in dispute $XXXX not required," yet Wells Fargo verified the derogatory status to bureaus despite fraud evidence, violating FCRA reasonable investigation requirements. XXXX confirmed modifications (XXXX, XXXX XXXX XXXX) but retained the charge-off status after Wells Fargo\'s verification. See attached detailed letter with enclosures.'

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 2026-03-11 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: CA

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