vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
related to two submitted complaints XXXX, XXXX I might have found the individual who fraudulently charged my credit card {$4900.00}. His name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and his company is XXXX XXXX XXXX registered in California under license # XXXX at the business address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as a XXXX XXXX XXXX XXXX XXXX XXXX. This is the same business as XXXX XXXX XXXX, the company which charged my credit card {$4900.00}. Fun Fact : under the companys web sites legal notice, the web site is published by XXXX XXXX XXXX. This theft began on XX/XX/2026, when I bought online a XXXX XXXX XXXX XXXX, Order # XXXX from XXXX for {$24.00}. Bank of America sent me an authorization code for that purchase. Unbeknownst to me, the next day XXXX XXXX XXXX charged the remainder of the {$4900.00} in nine separate charges. I did not authorize those charges, nor did I see them until the next billing statement. Another fun fact : According to the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have been noted as fraudulent business fronts that process credit card transactions through XXXX XXXX XXXX- which is licensed to do business in California.

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 2026-07-16 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX XXXX, my wife and I were visiting XXXX, XXXX. I received an email notification that my Wells Fargo XXXX XXXX XXXX was used by XXXX French merchants earlier that day as follows : {$760.00} by SUMUP * XXXX XXXX and {$990.00} by SQ * G CONSULTING. Neither my wife ( the only other authorized card user ) nor I know who these merchants are or had any contact with them. Since our cards were always in our possession, we suspect that the account number was copied by XXXX of the other merchants that we dealt with. I called the Customer Service number shown on the card from XXXX immediately that afternoon and told the agent that the charges were invalid. The card was cancelled. I was notified by both email and phone that the Wells Fargo XXXX XXXX XXXX wanted additional information. So, on XX/XX/XXXX, immediately upon our return from XXXX, I called the XXXX XXXX XXXX to answer their questions. I was notified, in a letter dated XX/XX/year>, that we had authorized these charges since your card was in your possession at the time of the transaction. I called the Credit Card XXXX XXXX XXXX on XX/XX/XXXX, immediately after I received the letter, to dispute this claim, and I received a letter dated XX/XX/XXXX stating that they are continuing our research of possible unauthorized use of your credit card account. I received another letter, dated XX/XX/XXXX, stating that Wells Fargo insists the charges are valid, and my XX/XX/XXXX statement includes them and requests payment. Yesterday, on XX/XX/year>, I mailed a letter ( certified mail, return receipt requested ) to the Wells Fargo XXXX in XXXX XXXX, IA, the address shown on the statement, with a copy to the Wells Fargo XXXX XXXX XXXX in XXXX, NC, disputing these charges.

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 2026-07-16 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XX/XX/year> I tried to use my credit card but it was declined. I called when I got home and was told their looked to be a fraudulent charge on my card. They asked if I made a gas purchase at a XXXX in Michigan but I was home in Ohio. I replied no and did not authorize the purchase. They asked if the card was in my possession which I confirmed.They said the did not allow the charge to go through, they closed that account and would be sending me a new card. That was unfortunate since it is a XXXX XXXX branded card and I was flying XXXX that evening but I appreciated them catching the fraud.I am focused on that they said they did not allow the charge to go through. On XX/XX/XXXX I received a document online from Barclays saying they investigated, it was a chip-read purchase and since I admitted the card was in my possession that it was an authorized purchase. I don't understand how just because my card was in my possession automatically means I authorized charges all over the country. I called that day and requested another investigation, which they granted. On XX/XX/year>, I received another letter online saying they concluded the charges I questioned were not fraudulent. I called asking for the evidence that showed me authorizing the charge andit was repeated that I confirmed the cars was in my posession. That has nothing to do with authorizing a fraudulent charge. They also said they declined the charge, so why on earth am I being charged that {$170.00}? Also attached is a photo of the suitcase I was taking to the airport that night with Home and the datestamp. The location services on my phone and car can also show I was nowhere near this gas station.

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 2016-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN SECURITY MORTGAGE CORPORATION
State: NC

Complaint narrative:
I purchased a house this year, closing with American Securities Mortgage. Soon after closing, they sold my mortgage to XXXX XXXX. I received my XXXX from XXXX but American Securities Mortgage is refusing to provide me with a XXXX, stating that since they sold before my first payment, they did n't have to send me one, even though they collected Mortgage Insurance premiums and Mortgage Interest from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Double payments, only authorized for once a month, taken at different days for different amounts causing account to be in jeopardy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: PA

Complaint narrative:
Dear Sir or Madam, My name is XXXX XXXX XXXX, I am a XXXX veteran I served in the XXXX XXXX, I am receiving 100 % Service Connected Unemployability, I had a VA loan with XXXX XXXX which I was on forbearance and the loan was sold to Midland Mortgage without notifying me back in XXXX, when I was notify in XXXX after a call to XXXX, I been in forbearance since XXXX of last year and every time I call the tell me a different story, I going to be force to file chapter XXXX I don't want to lose my home I have kids XXXX, XXXX and XXXX that I don't want them to go through this experience, I need help to get this forbearance done with 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Experian credit report by XXXX XXXX XXXX and XXXX XXXX XXXX. According to the Nationwide Multistate Licensing System ( NMLS ), this company is not licensed to collect debts in the state of ARIZONA. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Experian is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in ARIZONA constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Experian is obligated to investigate and correct or delete unverifiable data. Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX is licensed to collect debts in ARIZONA. Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed XXXX XXXX XXXX XXXX XXXX XXXX accounts. Documentation from the Nationwide Multistate Licensing System showing that XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX is not licensed to collect in ARIZONA. I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. Thank you for your prompt attention to this matter. Sincerely, XXXX 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am currently reviewing my Experian Credit report and there are addresses reporting on my credit report that are not mine. Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Subject : Dispute of Debt and Refusal to Pay To Whom It May Concern, I am writing in response to your attempt to collect a debt allegedly owed by me. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am formally notifying you that I refuse to pay this debt and dispute its validity. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt, the debt collector must cease all further communication except to confirm the termination of collection efforts or to notify the consumer of specific legal remedies. XXXX. XXXX XXXX Acct. No. : XXXX Additionally, under the FCRA and FDCPA, I request the following : Validation of Debt : If you believe this debt is valid, provide complete documentation to prove its legitimacy, including the original creditor, account details, and proof that this debt is collectible under applicable laws. Immediate Cessation of Reporting : If you can not validate this debt or establish its legitimacy, you must cease reporting it to any credit reporting agencies, including Experian, XXXX, and XXXX, as an unverified debt violates the FCRA. Notification of Resolution : Confirm in writing that this matter has been resolved and that no further collection actions will be taken. Any further attempts to collect this disputed debt without proper validation will be considered a violation of my rights under federal law and may result in legal action against your agency. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office if necessary. This letter serves as my final notice to dispute and refuse payment of this alleged debt. I look forward to receiving written confirmation of compliance with this request. Sincerely, XXXX 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Subject : Dispute of Fraudulent Co-Signer Account Request for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of an account appearing on my Experian credit report. The account in question lists me as a co-signer on a loan for which I never signed any documents or provided consent. This account is fraudulent and should be permanently deleted from my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or unverifiable information on my credit report. It is the responsibility of Experian to investigate this matter and ensure that only accurate, substantiated information is reported. 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate this matter promptly, as required by the FCRA, and remove this account from my credit report. If the creditor can not provide verifiable documentation with my actual signature proving my consent as a co-signer, this account must be deleted in compliance with the law. This fraudulent account has caused significant harm to my credit profile and financial standing. I expect written confirmation from Experian that this account has been removed following your investigation. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, XXXX 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally address the failure of [ Company Name ( s ) ] to comply with federal requirements regarding my dispute submitted via the Consumer Financial Protection Bureau ( CFPB ). Specifically, the companies failed to provide a resolution within the 30-day period required by law under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received the title to my vehicle or the requested 1099-C documentation for the charged-off account in question. Disputed Account Details Account Name : XXXXXXXX XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX Under 15 USC 1681s-2, creditors must ensure accurate and verifiable reporting of information. The reporting of this account with an inaccurate balance is a direct violation of this law, particularly if a 1099-C form was issued. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form constitutes an identifiable event of debt cancellation under IRS guidelines , specifically Event XXXX XXXX which defines debt discharge due to the creditor ceasing collection activities and canceling the debt. My Requests Provide the 1099-C Form : If issued, I request a copy of the form to confirm the identifiable event of debt cancellation. Verify the Balance : Submit documentation proving the accuracy and collectibility of the reported balance. Delete the Account : If the debt has been discharged or can not be verified, remove this negative information from my credit report immediately. Issue the Vehicles XXXX ( XXXX XXXX ) : As the debt has been charged off and effectively canceled, I request the immediate release of the vehicles title. Failure to Respond The companies have failed to meet the 30-day investigation period mandated under 15 USC 1681i ( a ) ( 1 ). This failure constitutes non-compliance with federal law. Furthermore, I have not received any communication regarding the resolution of this matter, nor have I received the requested documents or my vehicle title. Next Steps If these issues are not addressed immediately, I will escalate this matter further by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I expect written confirmation of the resolution of this matter within 15 days. Thank you for your immediate attention to this urgent matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Subject : Dispute of XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX XXXX XXXX. XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of Arizona. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in Arizona constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX XXXX. XXXX is licensed to collect debts in California. Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed XXXX XXXX XXXX XXXX. XXXX account. Documentation from the XXXX XXXX XXXX XXXX showing that XXXX XXXX XXXX XXXX. XXXX is not licensed to collect in Arizona. I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Arizona Attorney Generals office. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Subject : Refusal to Pay Alleged Debt and Request for Deletion from Equifax Credit Report To Whom It May Concern, I am writing in response to your attempts to collect a debt allegedly owed by me. After reviewing the matter, I have determined that I do not owe this debt, and I am refusing to pay it. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, credit reporting agencies and data furnishers must ensure that any information reported is accurate, complete, and verifiable. As the alleged debt appears on my Equifax credit report, I am disputing its validity and requesting its immediate deletion for the following reasons : Verification of Debt : As required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you are obligated to provide validation of this debt, including the original agreement proving my obligation to pay. Account Name : XXXX XXXX Failure to Verify Accuracy : The debt has not been substantiated, rendering its reporting on my credit file inaccurate and a violation of the FCRA. Harmful and Misleading Information : The continued reporting of this alleged debt without adequate validation is damaging and misleading to my creditworthiness. Since you can not prove the legitimacy of this debt or my obligation to pay, I demand the following actions : Immediate deletion of the debt from my Equifax credit report. Written confirmation that the debt has been removed from all records and credit reporting. Cessation of all communication regarding this alleged debt. If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office for violations of the FCRA and FDCPA. Please respond in writing within 30 days to confirm the requested actions have been taken. You may send correspondence to the address listed above. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief