vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
b'I am disputing a $XXXX transaction with XXXX XXXX XXXX for services not rendered. This is a case of fraudulent inducement where the merchant utilized \'lulling\' tacticsspecifically monthly deceptive email updatesto prevent me from discovering the fraud until recently.\n\nI have provided Truist with an extensive evidence packet (delivered via XXXX Tracking #XXXX XXXX XXXX on XXXX) and have active cases with the Florida Attorney General and the XXXX. Despite this, Truist has denied Case #XXXX and Escalation #XXXX for the \'same reason\' without, I believe, performing a \'reasonable investigation\' of the new physical evidence as required by Regulation E.\n\nThe bank has failed to address the merchant\'s lulling tactics and is ignoring federal error resolution requirements. I am seeking a full reversal of the $XXXX charge\n\nIn addition to this dispute, I have filed formal complaints with the Florida Attorney General and the XXXX XXXX XXXX (XXXX) regarding XXXX XXXX XXXX\' use of \'lulling tactics\' to facilitate fraudulent inducement. Truist Bank was notified of these active regulatory investigations, yet they have failed to incorporate this context into their internal review of Case #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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC
State: MO

Complaint narrative:
D2 Management keeps calling and leaving voicemails from multiple phone numbers at different hours during the day. Below are the voicemails received. This does not include missed calls. VOICEMAIL LOG : XXXX ( XXXX ) XXXX Unknown - XXXX XXXX, XXXX at XXXX XXXX XXXX ( XXXX ) XXXX Unknown - XXXX XXXX, XXXX at XXXX XXXX XXXX ( XXXX ) XXXX Unknown - XXXX XXXX, XXXX at XXXX XXXX XXXX ( XXXX ) XXXX Unknown -XXXX XXXX, XXXX at XXXX XXXX XXXX ( XXXX ) XXXX Unknown - XXXX XXXX, XXXX at XXXX XXXX I've been registered on the Do Not Call List since XX/XX/XXXXXXXX. I have no ties or relationship with the company, nor have I inquired with them for the services currently or previously. I have no debt or financial obligation with D2 Management. I have not conducted business or signed any contracts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am disputing a collection account reported by Columbia Debt Recovery LLC ( Genesis ) in the amount of approximately {$10000.00}. The alleged debt originates from a rental property ( XXXX XXXX ) that became uninhabitable due to a major plumbing failure that caused flooding, mold exposure, and extensive structural damage. Multiple areas of the unit, including the restroom, living room, and a bedroom, were gutted. As a result of these conditions, I became ill and obtained a doctors note instructing me to vacate the unit for health reasons. I provided this documentation to the property management and requested relocation to another unit, which was refused. I was forced to vacate due to unsafe living conditions and continue to receive medical care related to this exposure. Under California law, tenants are entitled to vacate uninhabitable units without penalty. Therefore, the charges being claimed are not valid or enforceable. I formally disputed this debt directly with the collection agency in writing and via certified mail, requesting full validation, including an itemized breakdown, lease, ledger, repair and mold remediation records, and proof that the unit was habitable. The collection agency has failed to provide any response or documentation. Despite this, the account continues to be reported to the credit bureaus. The credit bureaus also marked the account as verified without providing any documentation or explanation of the verification method. This constitutes the reporting of unverified and inaccurate information and failure to properly investigate a disputed debt. I am requesting : Immediate deletion of this account from all credit reporting agencies Written confirmation that the account has been removed That the collector cease reporting any unverified information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Pro Collect Inc in the amount of {$850.00}, originating from XXXX XXXX XXXX. This account is both factually inaccurate and legally questionable, and it continues to be reported despite clear inconsistencies and supporting documentation provided during prior disputes. Leasing office communications from XX/XX/year> further confirm that staff were aware of the circumstances surrounding my departure, including reference to a police report, and that payment discussions at that time centered around the {$370.00} 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 explanation
Consumer complaint received 2026-05-05 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: Chime Financial Inc
State: CA

Complaint narrative:
* * Issue : * * Unauthorized transaction bank denied dispute * * Company : * * Chime ( XXXX XXXX XXXX XXXX XXXX XXXX ) * * Complaint : * * I am filing this complaint regarding an unauthorized transaction on my account that Chime has refused to properly resolve. I reported a transaction that I did not authorize. During my dispute, I provided supporting information, including confirmation from the merchant ( XXXX ) stating that the charge was associated with a different account and not mine. Despite this, Chime denied my claim. Chime stated that their decision was based on internal data such as login history, device usage, and authentication records. However, they have not provided me with specific evidence showing that I personally authorized this transaction. Their response was generic and did not address the key fact that the merchant itself confirmed the charge was not linked to my account. I believe this investigation was incomplete and did not fairly consider the evidence I submitted. I am requesting that Chime provide the specific details used to deny my claim, including IP address, device identification, and authentication method used for the transaction. I am also requesting that this claim be re-investigated in good faith. This unauthorized charge has caused me financial harm, and I am seeking reimbursement for the full amount of the transaction. * * Desired Resolution : * * * Full refund of the unauthorized transaction * A detailed explanation of the evidence used in the denial * A proper and thorough re-investigation of my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

Complaint narrative:
Basically I was gon na use the borrow function and I accidentally put my ssn wrong and my account got closed and I want it back this happened on XX/XX/year> and I wont stop until I get my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally report and dispute multiple unauthorized hard inquiries appearing on my credit file as a result of identity theft. Request for Action : Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you : 1. Immediately block all fraudulent hard inquiries listed above 2. Ensure they are permanently removed from my credit file 3. Confirm in writing once the removal has been completed 4. Prevent reinsertion of these items in the future These inquiries were not authorized by me and are the direct result of identity theft.

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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am filing this complaint regarding collection activity by XXXX XXXX involving a Bank of America account that has been charged off. I received communication from XXXX XXXX attempting to collect a balance of approximately {$13000.00} related to this account. However, I have also received communication from another collection agency, XXXX XXXX XXXX, regarding the same underlying debt, which raises serious concerns about duplicate collection activity and lack of clear ownership. At this time, I have not been provided with documentation sufficient to establish : That XXXX XXXX is the current legal owner of the debt That it has authority to collect on behalf of the current owner The full chain of assignment from the original creditor The involvement of multiple collection agencies for the same balance creates uncertainty regarding : Who owns the debt Whether multiple parties are attempting to collect simultaneously Whether the debt has been properly transferred

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 2026-05-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I discovered unauthorized activity on my Citi XXXX XXXX XXXX XXXX. An automatic payment of {$8600.00} was processed, of which only {$350.00} reflects legitimate charges. The remaining {$8300.00} was unauthorized and has already been taken from me. During the same call to report this, I was informed of an additional attempted transaction of approximately {$8700.00}, which I was told had been cancelled. However, this amount is now reflected as an outstanding balance on my account. In total, this involves approximately {$17000.00} in unauthorized and/or fraudulent activity. I immediately reported the fraud to Citibank on XX/XX/XXXX, and my card was frozen. I followed all instructions provided, including calling back on XX/XX/XXXX and again on XX/XX/XXXX after being told to wait 30 days. Despite this, I received a letter on XX/XX/XXXX stating that my case was closed. On XX/XX/XXXX, I was instructed via text to call immediately and was told my case would be reopened. I called again on XX/XX/XXXX and requested a supervisor but was told to call back in one week. On XX/XX/XXXX, I was informed that appeals can not be submitted by phone and must be done in writing, which had not been communicated to me previously. I did not authorize any of these transactions, and they originated in a state where I have no connection. I reported the issue immediately and complied with all instructions, yet my case was closed without proper resolution and with inconsistent information provided. I am requesting a full reinvestigation, reimbursement of the {$8300.00} already taken, removal of the {$8700.00} fraudulent balance, and confirmation that this issue will not negatively impact my credit report.

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 2026-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAC Financial Corp
State: OK

Complaint narrative:
CAC Financial put a collection of XXXX dollars on my credit report, for a medical bill from XXXX XXXX XXXX. This medical bill was immediately paid for from some kind of assistance program. So there was never an owed amount and they're claiming I owe said amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased my car with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. We went through Ally Financial for the auto loan since XXXX notified me that there was fraudulent activity with my SSN. Another person had previously used it to buy a car. It looks like this same person used my social to buy a car through Ally financial too. They opened an investigation for this and had me provide proof that I am the owner of the social. The investigation caused a delay in getting my account up and running. I did not have the info on how to set up my account at all. They confirmed the investigation was closed and I was good to go at the end of XXXX aprox XXXX XXXX. My first payment came around on XX/XX/XXXX. I was able to pay through the phone 2 days before XX/XX/XXXX but I had to pay fees for using the " pay over the phone service ''. I was okay with this because I figured it was a one time thing. I have called Ally multiple times to try and get my account figured out since then. I am able to login to my account but I see no information about my auto loan and can not make payments online. I have called on various occasions. in the last two month 5 times in total ( XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> ) along with various other times in XXXX and they continue to tell me that they do not know how to fix the issue. I do not find it fair that I have to pay a fee to pay my car note every month because they can not figure out how to fix their website/app. In today 's day and age we function by having our information on accessible online portals and Ally Financial has done nothing to fix this in the past 3 months. I would be happy to provide any other information needed. thank you. I would attach my proof of payment but I am unable to access this info online since they will not fix my account.

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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
lvnv funding for XXXX XXXX Bank is the debt collecting company whom I told I had a XXXX last year I asked for a pause in payments and was told I was granted the pause. Either way they sent the debt to collections. I paid the debt they said they would remove the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN HONDA FINANCE CORP
State: IN

Complaint narrative:
XX/XX/year> accepted a settlement offer from XXXX XXXX XXXX that said and mailed information regarding the balance that was held on the Honda account ( {$4500.00} ) paid the offer that was ( {$800.00} ) have a confirmation that my debt was no longer a thing with a balance of ( {$0.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
For Direct Unsubsidized Loan ( Award ID ending in XXXX ) Aidvantage has applied some subsidy ( since the total isn't {$1700.00} ), but they have allowed roughly {$470.00} of " excess '' interest to remain on this specific loan after my SAVE plan was already active. The Interest Pause : Interest was 0 % until XX/XX/XXXX. Accrual Period : From XX/XX/XXXX, to the date of this data ( XX/XX/XXXX ) is 949 days. No-Subsidy Total : If no subsidy were applied, I should have roughly {$1700.00} in interest. The SAVE Start : My SAVE plan began on XX/XX/XXXX. The Error : Interest accrued between the end of the pause and the SAVE start ( approx. 272 days ) should be roughly {$500.00}. However, it shows {$970.00}. Similar inaccuracies were found with the other loans. Please note, the SAVE plan being ended has nothing to do with the calculations from when it was active which is what this complaint talks about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XXXX, Wells Fargo Bank , N.A . seized 100 % of my Supplemental Security Income ( SSI ) backpay, which is federally exempt from legal process under 42 U.S.C. 407. Despite a XXXX State Release Order ( Exhibit L ), the funds were never restored to my possession. Instead, Wells Fargo closed my accounts before the Release Order was carried out and reported the funds to the State Treasury as a cashiers check under the banks name rather than mine ( Exhibit M ). This misreporting made the funds unidentifiable to me for a decade and led to a second loss of the same funds through a state tax intercept in XX/XX/XXXX ( Exhibit N ). This XXXX chain of handling resulted in longterm displacement while I was paralyzed, the loss of my family lineage through my sons legal name change ( Exhibit V ), and ongoing unsafe living conditions documented in the attached exhibits. Wells Fargos prior response ( Exhibit AA ) stating that no error occurred does not align with the 25+ exhibits showing the chain of custody, the Release Order, and the nonreturn of the protected funds.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I.C. SYSTEMS, INC for XXXX XXXX XXXX says I owe {$210.00} and I have no idea who these companies are.

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 2026-05-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: IN

Complaint narrative:
I am filing this complaint against Conduent ( Way2Go Card ) for the improper and systematic denial of access to my child support funds. Over the last ten days, Conduent has refused three ( 3 ) separate attempts to transfer my funds to my personal bank account : today ( XX/XX/XXXX ), last Saturday ( XX/XX/XXXX ), and five days prior to that. Following the companys instructions, I submitted my government-issued photo ID and my private bank statements to their verification department ( XXXX ) to resolve whatever " flag '' was on the account. Despite my full compliance and three ( 3 ) follow-up emails to confirm receipt, Conduent has remained completely silent. They have not acknowledged my documents, provided an update, or released the hold on my funds. These are not discretionary funds ; this is court-ordered child support meant for the care of my child. By withholding these state-disbursed funds and failing to communicate after I provided sensitive personal data, Conduent is causing my family severe and unnecessary financial hardship. Desired Resolution : I am requesting that the CFPB compel Conduent to : Immediately process the pending verification of my identity using the documents already provided. Remove all blocks on my account so I can transfer my funds. Provide a written explanation for the total lack of communication regarding my sensitive documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank is inaccurately reporting a late payment on my Visa account ending XXXX. The reported late amount consists entirely of disputed late fees and interest charges that resulted from PNCs undisclosed system change in late XXXX and incorrect guidance from PNC representatives. Before XX/XX/XXXX, I always paid my full balance on time using my PNC savings account. After PNC changed its system to allow payments from checking, I was never informed that overdraft protection would no longer apply. My XX/XX/XXXX payment failed for this reason. PNC reversed the late fee and interest as a onetime courtesy but did not explain why the payment failed. Had I been told the cause, I would have immediately reverted to using my savings account. Before making my XX/XX/XXXX payment, I called PNC and was told overdraft protection would apply if I used my checking account. I relied on that guidance in good faith, and my savings account had sufficient funds. The payment failed again due to the undisclosed system change. There is no benefit for me to intentionally miss a payment. I have always paid my PNC Visa a few days before the due date, including the payments that failed due to PNCs system change. Despite these facts, PNC reported a late payment, causing my credit score to drop more than XXXX points. This reporting is inaccurate and misleading under the Fair Credit Reporting Act. I request that the CFPB require PNC to correct the reporting and remove the late payment. Original CFPB Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation
State: NJ

Complaint narrative:
They refused to validate the debt and Returning back my Dispute letters

Company response to consumer: Closed with explanation