vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
What happened : I made XXXX separate payments from my account at XXXX XXXX to my account at Bank of America. Due to an error, I entered incorrect account information when submitting the payments. The total amount of these payments is approximately {$700.00}. The funds were successfully withdrawn from my XXXX XXXX account, and I have documentation confirming the transactions were completed and delivered to Bank of America. However, these funds have not been applied to my Bank of America account, and they have not been returned to me. This indicates the payments were received but are currently misapplied or being held without resolution. I have already contacted Bank of America multiple times and provided all requested documentation, including proof of payment, bank statements, and transaction confirmations, over two weeks ago. Despite this, I have not received any meaningful update or resolution. What I want : I am requesting that Bank of America : 1. Locate the misapplied funds 2. Apply the payments to my correct account or return the full amount to me immediately 3. Provide a clear explanation of where the funds are currently being held Additional details : This is not a fraud issue. The funds were authorized and successfully transferred but have not been properly applied or returned. I have made multiple good-faith attempts to resolve this directly with Bank of America without success.

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 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Since XX/XX/year> I have been receiving daily calls from XXXX, the voicemail is as follows : This message is from Synchrony Bank regarding Sam 's Club MasterCard. Please return our call to XXXX for faster service. Visit our website at samsclub.com/credit. Our mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Again, please call XXXX. This is a recording. Thank you. I would like the calls to stop, but most importantly, I would like criminal charges taken against individuals that operate scams. I googled the address, which is some internet provider. I received my most recent call at XXXX XXXX. Thank you, 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 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: MI

Complaint narrative:
XX/XX/XXXX {$2700.00} I request proof of service or court case number for evidence of eviction no reply was given last attempt XX/XX/XXXX no information recovered per customer request.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am submitting a follow-up complaint against Fair Collections & Outsourcing ( FCO ) regarding Account XXXX XXXX in response to their prior CFPB response XXXX XX/XX/XXXX. FCO claims they mailed validation on XX/XX/XXXX ; however, the ONLY document ever provided was a copy of the lease. This does not meet validation requirements under FDCPA 809 ( b ), as no itemized ledger or accounting was provided. We XXXX the apartment in XXXX XXXX. XXXX XXXX records show the unit was re-listed on XX/XX/XXXX and removed from the market on XX/XX/XXXX. This demonstrates the landlord mitigated damages, yet the reported balance does not reflect any rent received after re-listing. Additionally, a security deposit of {$2500.00} was paid prior to move-out and has not been credited toward the balance. As of XX/XX/XXXX, FCO continues to report approximately {$8000.00} on my credit report and approximately {$8000.00} on a co-leaseholders credit report, resulting in a combined reported balance of approximately {$16000.00}. This misrepresents a single lease obligation and inflates the amount owed. Despite multiple disputes and a prior CFPB complaint filed in XX/XX/XXXX, FCO has never provided a full itemized accounting, rent ledger, or proof of how the balance was calculated. This constitutes violations of FDCPA 809 ( b ) and 807, and FCRA 623 ( a ) ( 1 ) ( A ) and 611. Attached screenshots from XXXX show the XXXX XXXX of the unit, including that it was listed for rent prior to our tenancy in XXXX and removed from the market when we moved in. The unit was then re-listed on XX/XX/XXXX shortly after we XXXX in XXXX XXXX, and removed again on XX/XX/XXXX, indicating it was XXXX This confirms the landlord mitigated damages and that the reported balance does not account for re-occupancy or rent received after the unit was re-listed. A copy of co-lease holder XXXX XXXX ' XXXX credit report is also attached reflecting the double charge of {$8000.00}. I am requesting immediate deletion of this account from all credit reporting agencies and written confirmation of removal.

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 2026-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MN

Complaint narrative:
Someone hacked me. Cash app denied me again. I'm sending proof. I already filled civil suit and police report and more proof

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting a complaint regarding Wells Fargos handling of a debit card transaction dispute. On or around XX/XX/year>, I was charged {$100.00} XXXX XXXX XXXX for parking fees. I requested a refund from the hotel because I did not park on the property. I was promised a refund from the hotel in which I did not receive after multiple attempts to reach out to the hotel. I disputed this transaction with Wells Fargo after experiencing issues with the services provided and/or billing. I was provided a provisional credit of {$100.00} by Wells Fargo while they investigate the matter. When I initially reported the dispute, I received mail communications only requesting more information. I called Wells Fargo to provide additional information and was advised that no additional documentation was required at that time and to hold onto all documents in case it is requested in the future. Based on that guidance, I expected my claim to be properly reviewed. However, my claim was denied without any request for supporting documentation and without a reasonable investigation into the matter. I was also advised the provisional credit will be reversed. After following up, I was then informed that I could submit documentation via email for review, which contradicts the original information I was provided. This indicates that my claim may not have been fully reviewed prior to denial. I have since submitted supporting documentation and formally requested that my claim be reopened and reinvestigated. I am requesting that Wells Fargo : - Conduct a thorough and reasonable investigation of my dispute - Review all submitted documentation - Provide a fair determination based on the evidence I believe this matter was not handled in accordance with proper procedures for debit transaction disputes, and I am seeking resolution and reimbursement of the disputed amount.

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 2026-03-23 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: MS

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 1681i.

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 2026-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: TX

Complaint narrative:
VIOLATION 1 Failure to Release Title After Full Payoff ( XXXX Years ) In XXXX 2021, I paid the full remaining balance on my XXXX XXXX XXXX XXXX XXXX buyout account with VW Credit XXXX The balance was confirmed at {$0.00} as of XXXX XXXX, 2021, as reflected on my credit bureau report. Despite more than four years passing since full payment, VW Credit has never delivered the vehicle title or released the XXXX for this vehicle ( VIN : XXXX ). I have been unable to sell, transfer, or exercise full ownership rights over a vehicle I fully own. This is a willful and ongoing violation of my consumer rights and Texas Transportation Code 501.114. VIOLATION 2 Charge-Off Reporting on XXXX XXXX XXXX Account I also have an outstanding charged-off account with VW Credit for a XXXX XXXX XXXX XXXX ( XXXX : XXXX ), opened XX/XX/XXXX. The current balance reported is {$10000.00}. An active XXXX remains on the XXXX title as confirmed by VIN report. I have submitted a written settlement offer to VW Credit requesting resolution of both accounts together. As of the date of this letter, VW Credit has failed to respond or act in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because my credit report with TransUnion contains inaccurate and unverifiable charged-off accounts. These accounts have not been properly validated despite my prior disputes, which violates the Fair Credit Reporting Act ( FCRA ). The following charged-off accounts are being reported inaccurately : XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$3200.00} XXXX DEPT OF ED/XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$31000.00} XXXX DEPT OF ED/XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$72000.00}

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 2026-03-23 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: Block, Inc.
State: MN

Complaint narrative:
I have sent over to the cfpb a copy of a civil suit claim that I filed against cash app and a police report among numerous amounts of proof that my account was hacked and money was stolen from me. It has cost me time money and almost my job all I asked was Cash app to pay me back the money that was stolen and they refused numerous times. My job was almost taken from me as a XXXX because of the emotional distress that I am dealing with. All I asked was for my money back and now I have filed a civil suit claim hoping that I can get my money back and this can all be resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: TN

Complaint narrative:
Failure to Provide Notice of Fraud Flag and Restriction of Authorized Transfer I am filing this complaint regarding Huntington Banks handling of a transfer from my personal savings account that I fully authorized. On XX/XX/year>, I initiated a transfer of approximately {$1300.00} from my Huntington Bank savings account to my newly opened XXXX XXXX account. I contacted Huntington Bank in advance to confirm the appropriate method to transfer the funds and was advised by a customer service representative to authorize an electronic bill pay transfer, which would take approximately XXXX days to process. After waiting several days, I contacted Huntington Bank on XX/XX/year>, to check the status of the transfer. At that time, I was informed that the transaction had been flagged as fraudulent and cancelled. I was also told that a case number had been emailed to me. However, I did not receive any email notification, case number, or communication indicating that the transfer had been flagged, cancelled, or required verification. I spoke with both Customer Service and the Fraud Department and explained that I personally authorized the transfer and that the transaction is not fraudulent. I also informed them that I never received the referenced email containing the case number. Despite this, representatives stated that they could not proceed without the case number or required me to visit a branch in person, even though the failure to provide notice was on the banks end. As a result, I am currently unable to complete the transfer of my own funds. Huntington Bank has failed to provide proper notification of the fraud flag, failed to provide the case number they claim was issued, and has not provided a clear resolution path to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Concord Servicing Corporation
State: NY

Complaint narrative:
I entered into a solar installation agreement with XXXX XXXX in XXXX, financed through XXXX. During installation, faulty electrical work caused a fire in my home on XX/XX/XXXX. The system was never completed, never operational, and has never produced electricity. Despite this, XXXX XXXX marked the system as operational on XX/XX/XXXX without ever inspecting my property, obtaining my consent, or confirming the system was safe or functional. I was also promised New York State XXXX incentives and tax credits that were never received because the system was never operational. I paid approximately {$10000.00} for electrical upgrades and roofing work that were defective and incomplete. The roof installation contained gaps and improper nailing, and electrical work repeatedly caused circuit failures prior to the fire. After the fire, my insurance company, XXXX, opened a claim and is pursuing recovery against XXXX XXXX. Despite all of this, I am still being billed and reported to credit bureaus for a loan tied to a system that : was never completed was never operational caused a fire in my home I have disputed this debt, yet the company continues reporting nonpayment, which is negatively impacting my credit every month. I have also been denied access to my loan account, preventing me from reviewing or managing the account. The companies involved continue to pass responsibility between each other while allowing ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Im filing this complaint because there is a collection account showing on my credit report from Sunrise Credit for {$290.00}, and I have no idea where it came from. The report doesnt list a clear original creditor, and Ive never received anything that helps me understand what this debt is supposed to be. I already tried to take care of this back in XXXX, and the account is still reporting. I never received any verification, validation, or actual proof showing that this debt belongs to me. Im genuinely confused because I dont recognize it at all. I feel like this situation is unfair and not right, and I know I have rights as a consumer. Im just asking for this item to be removed from my credit report since Ive asked for information and didnt receive anything back that confirms its mine. Thank you for looking into this and helping me clear it up.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On Saturday XX/XX/year>, I requested a wire transfer from my chase savings account to XXXX of my new bank accounts with another bank. Later that day, they denied the transfer and locked my account due to suspicious activity. I attempted to call the number given when attempting to log in to my Chase Online Banking account ( XXXX ) XXXX. This number is not even listed anywhere on Chases website, but regardless I called. The first call they said they were having issues with their automated system verifying me, and they would call me back in a minute to attempt again. They never called, so I called back later and the same issue occurred. The automated system they are using is having issues and I have called XXXX seperate times attempting to unlock my account and they tell me to call back. They will not let me speak to supervisor and say there is no other option to unlock the account besides setting up an appointment at a branch online on Chases website. I can not setup an appointment because it requires me to log in, which I can not do because my account is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XX/XX/XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: FL

Complaint narrative:
Bank of America flagged our account for possible fraudulent charges on XX/XX/year>. I spoke with them on XX/XX/XXXX and agreed that the charges were fraud. The list of charges is below : XXXX XXXX, {$99.00}, XXXX XXXX, {$99.00}, XXXX XXXX, {$99.00}, XXXX XXXX, {$99.00}, XXXX XXXX, {$99.00}, XXXX XXXX, {$98.00}, XXXX XXXX, {$99.00}, XXXX XXXX, {$99.00}, XXXX XXXX, {$99.00}, XXXX XXXX, {$99.00}, XXXX XXXX XXXX, {$190.00}, XXXX XXXX {$100.00}, XXXX XXXX, {$99.00}, XXXX XXXX, {$99.00}. Bank of America denied the claim twice after having to wait 90 days for them to investigate. They flagged it, I have proof that I was in my home the date of the purchases and had my card in my possession. The charges were with XXXX XXXX, which I do not have linked to my credit card and do not use XXXX XXXX in these places. They are refusing to pay my fraudulent charges so I filed a police report and am also filing this complaint. We have been clients of BOA for 30 years and have not had any other fraud claims. They are terrible.

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