vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> XXXX and WFBNA inquiries appeared on my credit bureau report. In a XXXX XXXX span I recieved emails from XXXX bank and Wells Fargo stating my application for credit cards were approved .. when I never applied for any Called both banks, they confirmed the application, but agreed to cancel the cards and report it to the credit bureau to remove the inquiry from my history They didnt share info on how it was processed or how it was initiated

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 non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: CA

Complaint narrative:
On XX/XX/year>, two unauthorized transactions occurred on my Direct Express card : one for {$39.00} and one for {$79.00}, both from XXXX. I immediately reported the fraud, and my card was replaced. However, I have made multiple attempts to reach the dispute department to finalize the claim, but I can not get through to a representative. This delay is preventing me from getting my refund. I need a dispute officially opened and a total refund of {$110.00} credited back to my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Subject : Dispute & Request for Validation Account # XXXX / # XXXX I am formally disputing the above-referenced accounts as they are not mine. I have no knowledge of these debts and have never entered into any agreement with your company. These accounts may be the result of identity theft or inaccurate reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act 809, I am requesting full validation of these accounts, including : - Original signed agreement with my signature - Full account history from the original creditor - Documentation proving your legal right to collect - Complete chain of ownership of the alleged debt If you can not provide this documentation, you must immediately delete these accounts from all credit reporting agencies. Additionally, please cease reporting this account until proper validation is provided. Please send written confirmation of your investigation results. 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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I did numerous wire transfers from my XXXX account to the account holder with some being XXXX XXXX and Bank of America. I called XXXXe fraud claim department and filed claims against all my wire transfers that I submitted because it turns out that Im a victim of fraud and the account holders at XXXX XXXX XXXX and Bank of America were fraudulent accounts running a money market scheme and I became a victim

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
Subject : Debt Validation Request Account # XXXX I am disputing this account as inaccurate and not mine. I do not recognize this debt and request full validation, including : - Original signed agreement - Full account history - Documentation of your legal right to collect Under the Fair Credit Reporting Act and FDCPA 809, you must verify this information. If you can not validate this account, you must delete it from my credit report. Please confirm the results in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am filing this complaint regarding a debt that I requested validation for, but the debt collector has failed to properly respond. On or about XXXXI sent a written request for debt validation to XXXX XXXX XXXX regarding account number XXXX. This request was made pursuant to my rights under the Fair Debt Collection Practices Act. The debt collector has failed to provide adequate validation of the alleged debt. Specifically, they did not provide : XX/XX/XXXX Documentation showing I agreed to the debt XX/XX/XXXXA complete payment history or breakdown of the amount XX/XX/XXXX Proof that they are authorized to collect on this debtXX/XX/XXXX Verification from the original creditor Despite this, the account continues to be reported on my credit report, which I believe is inaccurate and in violation of federal law. I am requesting the following resolution :XX/XX/XXXX Immediate deletion of this account from all credit reporting agenciesXX/XX/XXXX Cessation of all collection activityXX/XX/XXXX Written confirmation that this matter has been resolved This failure to validate the debt while continuing collection efforts and credit reporting may violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I expect a full investigation and resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am a 100 % XXXX veteran disputing a series of unauthorized electronic fund transfers ( EFTs ) by XXXX that Navy Federal Credit Union ( NFCU ) has failed to investigate under Regulation E ( 12 CFR 1005.11 ). My original contract ( attached ) limits withdrawals to {$800.00} per month. However, the merchant has engaged in 'Date and Frequency Piracy, ' which NFCU has ignored. Specifically : Frequency Violation : In XX/XX/XXXX, the merchant withdrew funds XXXX times ( {$740.00}, {$260.00}, {$450.00} ) totaling $ XXXXnearly double my contract limit. Double Jeopardy : The merchant claimed a XX/XX/XXXX withdrawal was an 'early ' payment for XX/XX/XXXX, then took a second XXXX payment on XX/XX/XXXX ( {$720.00} ). NACHA Violation : The merchant admitted to pulling funds early for holidays. Under NACHA rules, collections must occur on the next business day, not a prior day. As of XX/XX/XXXX, I have paid {$7600.00} on a {$2000.00} original advance. I demand a full reversal of all unauthorized frequency and double-charge transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Complaint Against : LVNV Funding LLC Resurgent Capital Services Issue : Incorrect information on credit report / Misrepresentation of account Complaint : I am filing a formal complaint regarding inaccurate and misleading credit reporting by LVNV Funding LLC, serviced by Resurgent Capital Services. I have received direct communication from Resurgent Capital Services identifying themselves as a debt collector attempting to collect a debt. However, the same account is being reported on my credit report under the classification of credit monitoring, which is inaccurate and misleading. This creates a direct contradiction. A company can not act as a debt collector while simultaneously reporting the account as a non-debt service. This misrepresentation fails to accurately reflect the nature of the account. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be accurate and not misleading. Reporting a debt under an incorrect classification violates these requirements and misrepresents the account to anyone reviewing my credit file. I have disputed this matter directly, yet the inaccurate reporting remains. At this time, I am requesting : Immediate deletion of this tradeline from all credit reporting agencies due to inaccurate and misleading reporting A full investigation into the reporting practices of LVNV Funding LLC and Resurgent Capital Services Written confirmation that this account has been removed If this matter is not resolved, I am prepared to pursue additional remedies for continued reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inquires in Equifax : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I have many instances I filled unauthorized transactions and they said they find nothing wrong when I DID NOT MAKE THE TRANSACTIONs and they won't let me appeal there decision and even if I did they would say the same thing so how do I go about getting my money back that they stole multiple times over years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX regarding an inaccurate rent balance that was supposed to be paid through the COVID-19 Emergency Rental Assistance Program . During the pandemic, I applied for COVID rent relief to cover my past-due rent. The assistance was approved ( or should have been processed and paid directly to the landlord ). However, the rent relief was never properly applied, and an outstanding balance was incorrectly placed on my account. I promptly filed a formal appeal online through rental assistant program portal regarding the handling of the rental assistance and the balance. To date, the company has never responded to or acknowledged my appeal. I have been actively fighting and disputing this error for several years. The reported balance is inaccurate and invalid because the rent was supposed to be covered by the approved COVID rent relief program. I do not owe this amount. I request that the CFPB require the company to immediately delete the entire inaccurate balance, remove all related negative credit reporting or collection activity, and provide written confirmation that I owe nothing.

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 2026-04-09 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: FL

Complaint narrative:
These inquiries were made without my consent and appear to be unauthorized. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
The reason why my first account closed and i lost relationship with chase bank was because of a fraudulent check that someone deposited into my account and stole my identity. I want to see the proof that I was the one that deposited the fraudulent check into the account. Because I know it wasnt me and if you can see on the camera and compare it to my ID it will show that I was not guilty of this allegation of fraud. XXXX, I would like to see where the location of where the check was deposited compared to where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
false debt the collection comapny is trying to collect that i do not owe

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After discovering these issues on my credit report, I took action right away and filed a report with the Federal Trade Commission ( FTC ). I am including a copy of that report to document the situation. Report Number : XXXX My understanding is that under Section XXXXB of the Fair Credit Reporting Act, once a consumer submits a valid identity theft report, the credit reporting agencies are required to block the fraudulent information within XXXX business days unless they can provide documentation showing that the consumer actually authorized the accounts. I want to make it clear that I never gave permission for these accounts to be opened in my name. I never signed an application, completed an agreement, or authorized any transaction related to these accounts. In addition, 15 U.S.C. XXXXb states that access to a consumers credit report must be tied to a permissible purpose connected to a transaction initiated by the consumer. That did not happen in this case. Beyond the lack of authorization, the accounts also contain reporting errors and inconsistencies, which means the information does not meet the accuracy requirements outlined in 15 U.S.C. XXXX ( b ). Because of these issues, I am requesting that the credit bureaus conduct a reasonable reinvestigation under Section XXXX. If the bureau can not produce clear documentation showing that I authorized these accounts, or if the inaccuracies can not be corrected, then the information must be deleted from my credit file under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I requested a wire withdrawal from my XXXX XXXX to my linked bank account on XX/XX/year> in the amount of {$9300.00}. The transfer were supposed to be completed on the same day. However, the wire transfer has not been processed to date and shows pending in my account even though the amount has been debited from my account balance. I have raised multiple tickets with XXXX to either process the transfer or cancel the transfer so that I can withdraw by other means but has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Subject : Debt Validation & Dispute Account # XXXX I am disputing this account as it is not mine and I have no knowledge of this debt. Under the Fair Credit Reporting Act and FDCPA XXXX, I request full validation of this account, including : - Original signed contract - Full account history - Proof of your authority to collect If you can not validate this account, you must remove it from my credit report immediately. Please send written confirmation of your findings. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: FL

Complaint narrative:
These inquiries were made without my consent and appear to be unauthorized. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/year> CBNA and XXXX inquiries appeared on my credit bureau report. In a XXXXXX/XX/XXXX span I recieved emails from citi bank and XXXX XXXX stating my application for credit cards were approved .. when I never applied for any Called both banks, they confirmed the application, but agreed to cancel the cards and report it to the credit bureau to remove the inquiry from my history They didnt share info on how it was processed or how it was initiated

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GU

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chases handling of Servicemembers Civil Relief Act ( SCRA ) and military benefit eligibility for my Chase Sapphire credit card account. My husband has served on XXXX XXXX since XXXX. The credit card account was originally opened in XXXX under my name, and my husband was later added as an authorized user. In XXXX, we upgraded the account to the Chase Sapphire Reserve card, which carries an annual fee of {$790.00} for the primary cardholder and {$190.00} for an additional user. As there are XXXX users on the account, we have been charged approximately {$990.00} in annual fees since the upgrade. Chase initially denied SCRA benefits on the basis that the account was opened after my husband entered XXXX XXXX. However, they stated that if there was a qualifying break in service, the account could be reconsidered. We then provided official military documentation confirming that my husband was XXXX from enlisted XXXX XXXX on XX/XX/XXXX, at XXXX, and re-entered XXXX XXXX as a commissioned officer on XX/XX/XXXX, at XXXX. This reflects a break in service exceeding XXXX hours. Chase then stated that the break must exceed XXXX hours. We submitted an updated Commanding Officer memorandum on XX/XX/XXXX, clearly documenting a break in service exceeding XXXX hours and directly addressing their stated requirement. Since submitting this documentation, Chase has failed to acknowledge receipt or provide any response. Previous submissions were acknowledged promptly, but this submission has gone unanswered despite follow-up. Throughout this process, Chase has repeatedly changed the basis for denial : - First citing the account opening date- Then requesting proof of a break in service- Then requiring the break to exceed XXXX hours - After providing documentation meeting all requested criteria, they have now become unresponsive This pattern of shifting requirements followed by a lack of response is concerning and has caused unnecessary delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sold my property and received a Cashier 's Check paid by XXXXXXXX XXXX from the buyer. The Cashier 's Check is authentic. Bank of America will not clear in my account. I have deposited large checks before. I am a real estate investor and have a history purchasing and selling properties.

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I lost my home and custody of my child and Im really devastated and can't apply to anything because of this debt for years

Company response to consumer: Closed with non-monetary relief