vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had a Care Credit card for years, I have always paid my bill every month, never missed a payment. They lowered my card from XXXX to XXXX, I didnt make a fuss over it. I made a XXXX dollar payment just last week. They lowered it again and now my account XXXX them it XXXX over drawn. I used it at the XXXX office it went through but, now is showing over credit limit. Yes, my credit has been taking hits since I was laid off but, I have never ever missed a payment with them. This card is to important.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because Bank of America has failed to properly investigate and resolve a {$23000.00} unauthorized balance transfer on my Bank of America credit card. Despite my repeated disputes, the bank has not provided any evidence that I authorized this transaction or the setup of any related services. On XXXX, I discovered a {$23000.00} balance transfer on my credit card that I did not authorize, initiate, or recognize. I immediately reported this to Bank of America as fraud. Bank of America later responded by claiming that the transaction may have resulted from overdraft operations associated with my XXXX XXXX service or a balance transfer into an account under my name. These statements are factually incorrect. I have never : Set up XXXX XXXX Linked any deposit account to my credit card Authorized any balance transfer Opened or owned the account that allegedly received the funds Bank of America has not provided any evidence showing that I authorized the Balance Connect setup or the {$23000.00} balance transfer. They have not provided : IP address or device information Login records Authorization logs Signatures, recorded calls, or SMS confirmations Any documentation proving that the receiving account belongs to me Instead, the bank has relied on speculation rather than evidence. Under Regulation Z ( 12 CFR 1026 ), this is an unauthorized credit card transaction, and I should not be held liable. Bank of America has failed to meet its legal obligations to conduct a reasonable investigation and has improperly attempted to attribute liability to me without proof. I am requesting CFPB assistance to require Bank of America to : Conduct a proper fraud investigation Provide all evidence they claim to rely on Reverse the unauthorized {$23000.00} balance transfer Cease attributing liability to me without proof Comply with Regulation Z requirements I have also filed reports with law enforcement and federal agencies regarding this identity theft incident. I am requesting CFPB intervention because Bank of America has failed to resolve this matter appropriately and continues to deny my fraud claim without providing any supporting evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
Eastern Account System ( XXXX XXXX XXXX XXXX XXXX XXXX ) is reporting a {$65.00} {$66.00} collection account on my credit reports, listing XXXX XXXX XXXX as the original creditor, in connection with my former XXXX service at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received any communication from Eastern Account System no letter, no phone call, no validation notice of any kind. I discovered this collection account only by reviewing my credit reports. Eastern Account System reported a derogatory tradeline to all three credit bureaus ( XXXX XXXX XXXX XXXX ) without ever contacting me or providing the validation notice required by 15 U.S.C. 1692g ( a ), depriving me of my statutory right to dispute the debt before it damaged my credit. I was a XXXX customer for approximately XXXX years and paid via autopay for as long as I can remember, never missing a payment. My last autopay of {$260.00} was processed on XX/XX/2025. I cancelled my service on XX/XX/2025, and XXXX confirmed the cancellation via email. The balance Eastern Account System is collecting consists of post-cancellation charges for service that was never provided. I used my own customer-owned equipment XXXX never provided me any devices. I never signed a service agreement containing an early termination fee. Neither XXXX nor Eastern Account System has ever provided an itemized statement explaining what the balance represents. Eastern Account System 's reporting is inaccurate and inconsistent : XXXX. WRONG DELINQUENCY DATE : XXXX shows a " Date of XXXX Delinquency '' of XX/XX/2025. My autopay posted successfully on both XX/XX/2025 ( {$160.00} ) and XX/XX/2025 ( {$260.00} ). I was fully current on XX/XX/2025. Eastern verified this wrong date during a formal XXXX reinvestigation and failed to correct it. XXXX. INCONSISTENT LAST PAYMENT : XXXX XXXXeports " Last Payment : None '' while other bureaus show the last payment as XX/XX/2025. Eastern is providing contradictory information to different bureaus. XXXX. INCONSISTENT BALANCES : Eastern has reported both {$66.00} and {$65.00} for this same account across different bureaus. The balance can not be both amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by National Credit Adjusters. I requested validation of a debt being reported by National Credit Adjusters. Instead of providing validation as required under 15 U.S.C. 1692g ( b ), they responded by requesting that I provide documentation to substantiate my dispute. This is not compliant with federal law. The burden of validation lies with the debt collector. To date, I have not received : Original signed agreement Complete payment history Documentation showing ownership of the debt Despite this, the account continues to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/year>, consumer sent a written dispute and validation request to XXXX XXXX via USPS Certified Mail ( proof attached ). Consumer disputed the debt as not valid. Consumer attached to that letter an XXXX XXXX XXXX printout ( dated XX/XX/year> ) showing XXXX XXXX holds XXXX active state licenses. Mississippi is not listed. XXXX XXXX is not licensed to collect debts from Mississippi residents. XXXX XXXX never responded no validation, no verification, no communication. Despite the dispute and lack of license, Equifax continues to report the XXXX XXXX tradeline on consumers credit report dated XX/XX/year>, with a balance of {$3100.00}. Equifaxs report shows no dispute flag or notation that the account is disputed by the consumer. The tradeline appears as a standard collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Equitable Acceptance Corp
State: IL

Complaint narrative:
Equitable is forcing me to get a XXXX XXXX XXXX, which requires an hour plus round trip and a {$20.00} fee. Their phone lines XXXX and I can't get any info. This is a poll tax for my own money!

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Block, Inc.
State: AL

Complaint narrative:
Funds sent to me through Cash App were immediately taken and applied to a loan balance without any advance notice, leaving me without access to money needed for basic necessities. I am currently dealing with a medical condition and urgently needed those funds for essential expenses. I contacted Cash App to request a hardship exception or partial refund, but my request was denied with no meaningful review or assistance. This situation has caused immediate financial hardship, and I am requesting that this matter be reviewed for a possible refund, partial credit, or alternative resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). XXXX. A full file disclosure. XXXX. An itemized statement breaking down the balance you claim I owe. XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: TN

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding a debt they claim I owe, which they have escalated into a legal action resulting in a wage garnishment. I dispute this debt in its entirety. LVNV Funding LLC has failed to provide proper validation of this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I have not received any documentation proving that I entered into a legally binding agreement with this company, nor have they provided a complete chain of title showing that they have the legal right to collect this debt. Despite this, they have proceeded with legal action and obtained a garnishment against my wages. This raises serious concerns about the accuracy, validity, and legality of this debt. Additionally, this account continues to be reported on my credit report without proper verification, which is a violation of the Fair Credit Reporting Act ( FCRA ). Reporting unverified and potentially inaccurate information while simultaneously enforcing collection through garnishment is unacceptable and harmful. I am formally requesting the following : 1. Full validation of the debt, including the original signed contract and complete chain of assignment. 2. Proof of LVNV Funding LLCs legal standing to collect this debt. 3. Immediate suspension and removal of the wage garnishment until proper validation is provided. 4. Immediate deletion of this account from all credit reporting agencies if they can not fully validate the debt. If LVNV Funding LLC fails to comply, I am prepared to escalate this matter further, including pursuing legal remedies for violations of federal consumer protection laws. This situation is causing ongoing financial harm and distress, and I expect this matter to be handled with urgency. This account continues to be reported monthly without proper validation, causing ongoing harm to my credit profile while enforcement actions such as wage garnishment are being pursued. This is unacceptable and a direct violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Beginning in late XXXX, Wells Fargo assessed monthly service fees on my Everyday Checking account totaling {$65.00} over XXXX consecutive months ( XXXX months at {$10.00}, XXXX months at {$15.00} ). After XXXX complaints, Wells Fargo refunded only {$20.00}, strategically selecting the XXXX cheapest months, and denied the remaining {$45.00} citing an internal XXXX refund moratorium. This moratorium is a discretionary bank policy, not a federal regulation, and is being used to avoid addressing my dispute on its merits. The {$15.00} fee was never properly disclosed. This account was opened in XX/XX/XXXX under materially different fee terms. In XX/XX/XXXX, Wells Fargo simultaneously raised the monthly fee from {$10.00} to {$15.00} AND tripled the minimum balance waiver threshold from {$500.00} to {$1500.00}. These are not minor adjustments, they are material changes to account terms. Burying notice of these changes in statement inserts that most customers never read does not constitute adequate disclosure. I was never given a clear, prominent notification or a meaningful opportunity to respond before fees began accruing. A fee was charged while my complaint was actively pending. The XX/XX/XXXX fee posted while Wells Fargo was still investigating my initial complaint. Wells Fargo had an obligation to resolve my dispute in good faith and in a timely manner. Their delay directly caused me to incur an additional charge I should not have had to pay. Wells Fargo refused to answer my direct question twice. In both written responses ( XXXX XXXX. XXXX and XXXX ), I asked whether balances in a linked joint Wells Fargo account count toward the {$1500.00} minimum daily balance waiver. Wells Fargo ignored this question entirely in both responses. During the fee periods in question, I maintained a linked joint Wells Fargo account with a balance consistently at or above {$1500.00}. Had Wells Fargo answered this question honestly and promptly, this dispute could have been resolved at the outset. Wells Fargo 's refund selection was arbitrary and self-serving. Rather than refunding the most recently charged fees or the fees most directly tied to the disputed period, Wells Fargo chose to refund only the two cheapest months. No principled explanation was provided for this selection. It appears designed to minimize reimbursement while creating the appearance of good faith resolution. I am requesting full reimbursement of the remaining {$45.00} in monthly service fees that were improperly charged, inadequately disclosed, and not resolved in good faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Hello, I am submitting a complaint regarding inaccurate credit reporting by Mazda Financial Services related to an alleged delinquent final auto loan payment. I had my auto loan set up on autopay for the duration of the loan. My understanding and expectation was that autopay would cover all scheduled payments through payoff. At no point was I clearly notified that the final payment would not be processed via autopay or required separate manual action. As a result, the final payment was not processed, and Mazda Financial Services has reported this as a delinquency to the credit bureaus. This does not reflect my payment intent or behavior, as I had automatic payments in place specifically to avoid missed payments, and I had never missed a payment for the life of the loan. I have since paid the final payment and attempted to resolve this issue directly with Mazda Financial Services, including submitting a goodwill request. Despite my consistent payment history and the circumstances involving autopay setup, they have refused to remove or correct the negative reporting. I am requesting : 1. A full investigation into the accuracy of this reported delinquency 2. Verification of how autopay was structured and whether it reasonably covered the final payment 3. Removal of the delinquency from all credit reporting agencies due to the misleading or unclear autopay handling This issue stems from a breakdown in payment processing expectations rather than willful nonpayment. The continued reporting of this delinquency is unfair and damaging to my credit profile. Thank you for your time and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
My son, XXXX XXXX made a legitimate purchase in Georgia, where he lives, at XXXX XXXX on his XXXX Current XXXX credit card, which is a XXXX account, so I am the owner. That same evening at XXXX XXXX, XXXX fraudulent charges of {$49.00} each totaling {$990.00} were processed at a XXXX in XXXX, Ohio, while my son was in Georgia all day, as confirmed by GPS data from XXXX that I provided to the Current Bank. Despite XXXX identical charges appearing in rapid succession from a distant state, Current sent XXXX notifications, which I get a notification on my phone for every purchase my son makes except these XXXX. We contacted Current the very next day, once it was realized, to report the fraud and dispute all charges. Current approved only XXXX charge and denied the remaining XXXX, leaving XXXX responsible for {$940.00} we do not owe. We submitted an appeal on XX/XX/XXXX and provided additional GPS evidence to Current 's fraud team. Current Credit Cards ' failure to detect obvious fraudulent activity, notify us in real time, and honor our dispute reflects a serious lack of consumer protection that we find completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I HAVE XXXX COLLECTIONS ON MY REPORT I HAVE SENT SEVERAL LETTERS TRYING TO SETTLE THEM I AM TRYING TO BUY A HOUSE I HAVE BEEN DOING THIS FOR OVER A YEAR WITH NO RESPONCE FROM THE COLLECTION AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have made calls to the reporting agency on numerous occasions and this issue has never been resolved. Did not and I do not have any account with this company and if there are anything tied to my social security number it is fraudulent.

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