vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I am writing to formally dispute the following item appearing on all XXXX credit reports, which I have determined to be inaccurate and unlawful : Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount Reported : {$550.00} Date of Charge-Off : XX/XX/year> Reason for Dispute : XXXX. DEBT WRITTEN OFF AS A LOSS I submitted IRS Form 4506-T and obtained the 1099-C associated with this account. The issuance of a 1099-C confirms that the creditor has already written this debt off as a profit and loss, effectively canceling the debt. A creditor can not cancel a debt for tax purposes and simultaneously report it as an outstanding obligation on my credit report. This is inconsistent and constitutes an inaccurate reporting. XXXX. LOSS OF COLLECTION RIGHTS UPON SALE TO THIRD PARTY Once the original creditor sold or transferred this debt to a third-party debt collector, they relinquished all rights to collect on that debt. The original creditor therefore has no legal standing to continue reporting this account as a valid obligation owed to them. XXXX. UNLAWFUL SHARING OF NON-PUBLIC PERSONAL INFORMATION Pursuant to 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), financial institutions are prohibited from sharing consumers ' non-public personal information with non-affiliated third parties without proper notice and consent. The sharing of my account information with third-party debt collectors and consumer reporting agencies without my consent constitutes a violation of this statute. XXXX. FAIR DEBT COLLECTION PRACTICES ACT VIOLATIONS This account and its reporting are also subject to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. Any continued reporting of this unverifiable and unlawfully obtained debt is inconsistent with my rights under this Act. Under the Fair Credit Reporting Act ( FCRA ), Section 611, you are required to investigate this dispute within XXXX days and remove or correct any information that can not be verified

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Someone hacked into my XXXX. The bank did not notify and added a name email address and bank account. They then withdrew money to that account. Bank would not assist me to get money back. They were rude refused to help. They blocked all of my accounts and would not allow me to use them or access them or see them They are giving me an incredibly hard time to close them. Managers refuse to respond and employees are not helpful

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 2026-06-30 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: TX

Complaint narrative:
I can not identify any financial event or account activity that would connect me to this reported item.

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 2026-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally filing this complaint regarding inaccurate and inconsistently reported information appearing on my credit reports with Experian , Equifax, and TransUnion. The disputed information includes an inaccurately formatted address reported as XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, which appears with an invalid ZIP code format and raises concerns regarding data accuracy and proper reporting standards. I also dispute multiple credit inquiries listed as included in dispute, including XXXX ( XX/XX/year> ) and XXXX inquiries dated XX/XX/year>, which appear to be duplicated and inconsistently reported across my consumer files. The repetition and inconsistent formatting of these entries raise serious concerns regarding the completeness, accuracy, and proper verification of the information being reported by furnishers and credit reporting agencies. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy ; 15 U.S.C. 1681i, which requires a full and reasonable reinvestigation of disputed information ; and 15 U.S.C. 1681b, which governs permissible purposes for credit inquiries. Additionally, furnishers are required under 15 U.S.C. 1681s-2 ( b ) to investigate disputed information and correct or delete any data that is inaccurate, incomplete, or can not be verified.

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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received documentation in the mail indicating that XXXX of my credit card accounts were closed without just cause or valid reason. I've made every payment on-time and provided relevant requested information on any disputes due to the fault of the merchant for not honoring their own terms and conditions with an agreed upon service such as shipping within the timeframe indicated from a merchant policy or an item arriving damaged or not as described. These are valid reasons for a dispute and are legitimately supported with any requested documentation. XX/XX/XXXX adversely reported me when I was a victim of fraud to XX/XX/XXXXwho is still trying to collect a payment from a fraudulent charge they were responsible for misrepresenting and XXXX bank who sided with the merchant even though I provided the requested documentation and validated that the merchantXX/XX/XXXX didn't honor their own terms and conditions of providing a refund when the order was inaccurate and I attempted to return the pizza. These unwarranted, invalid past due amounts have negatively affected my credit and were the reason along with the transaction pattern that all XX/XX/XXXX credit cards were unjustly closed. I've made every payment on-time with Bank of America for over XX/XX/XXXXyears and provided any information requested. All of my rewards just disappeared and became unredeemable due to the improper decision of closing my XXXX credit card accounts. The supervisor I spoke with on the phone today was completely unhelpful and I got an automated machine with no human interaction when I called theXX/XX/XXXXphone number as recommended from the letters. This is completely unacceptable. All of my credit cards should have full charging privileges due to my track record of all on-time payments to Bank of America . Not being able to redeem or access my cash back rewards is another substantial problem and an unwarranted inconvenience. Please properly assist with my concerns by issuing me new replacement cards and reinstating all of my cash back as these accounts should never have been closed particularly due to the reasons mentioned.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America deposited a {$20000.00} home fire settlement check on the XXXX at XXXXXXXX XXXX in branch. They have changed the hold reason 5 times and repeatedly delayed the release date despite the funds clearing, forcing my account into a - {$900.00} overdraft. Held fully cleared settled funds 4 days.when calling customer service up until XXXX XXXX on XXXX they were still saying they were waiting and processing check. Even after I had proof from attorney cleared and released with tracking. Boa still proceed to tell me on XX/XX/XXXX they did not have 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 2026-06-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : SUNRISE CREDIT SERVICE - XXXXXXXX XXXX XXXX XXXX XXXX : {$350.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$930.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$930.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When I logged into Citi 's online payment system on XX/XX/year>, Citi presented multiple payment options. One of the options was specifically identified as the payment to pay off the balance transfer together with the required payment on the Citi Flex Loan ( or substantially similar wording ). Citi generated that payment option and calculated the payment amount as {$10000.00}. I selected that payment option exactly as presented by Citi. I did not calculate the amount myself or create my own payment 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 2026-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Company has fraudulently charged two different late fees during extension periods claiming it was a system glitch. One of the two late charges the company failed to provide billing or notification of that charges. Both however, to occur under payment extension that approved by the Leander. The lender has requested the customer to falsify financial documents. The lender has been discriminating against the account holder to also include threatening phone calls, and harassment. Once they learned account was getting paid off early. The company has caused the customer significant financial damage and hardship as well as damages to include falsely reporting to your credit bureaus. When I asked, the company informed customer, they would look into it and respond properly. However, there has been 32 instances of a callback requested with zero callback being performed. The XXXX has told the customer that they have spoke with the investigator and the customer has never spoken to any investigator or received any documentation from any investigation. The company is also being biased as they are investigating themselves for fraudulent activity, ethical behavior, and discrimination. Have tried to call the company over a dozen times about recent fraudulent charges will not accept calls or respond to calls. The executive customer relations department manager has refused to communicate nor allow escalation after they made unethical and request to falsified documents. There have been multiple complaints filed with the company, refusing to be non-biased and investigating internally without communication or notification and promises made to the customer that are never fulfilled to include the executive customer relations department manager, stating shes the only one to correct the issues and will be correcting them.

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 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RECEIVABLE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Amount : RECEIVABLE MANAGEMENT - XXXX XXXX XXXX XXXX XXXX : {$84.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-06-30 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: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2026-06-30 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from 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 non-monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
I am submitting this follow-up complaint because Credit Acceptance Corporation did not respond to the substantive issues raised in my original CFPB complaint. In my original complaint, I requested documentation supporting the accuracy of information being furnished to the consumer reporting agencies, including the reported balance, payment history, date of first delinquency, account status, and verification procedures. I also requested documentation supporting the electronic signature process, payment ledger, account accounting, and the basis for continued reporting after Credit Acceptance voluntarily dismissed litigation relating to this account. Instead of addressing those issues, Credit Acceptance informed the CFPB that there may be potential fraud involved and indicated that it could not respond through the CFPB process. The response did not identify what type of fraud was suspected, did not explain the factual basis for that statement, and did not answer the documentation requests contained in my complaint. As a result, the specific questions raised in my complaint remain unanswered.

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 2026-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I was scammed by a XXXX cashier. Was charged a simultaneous {$75.00} and {$35.00} from them 6 mins after leaving store in which I only used the atm wich was {$23.00} at XXXX and purchased snacks wich was only {$10.00}. At XXXX pm. But 6 mins after leaving the store at XXXX pm a simultaneous charge on my card was charged within the same minute for {$75.00} and {$35.00} from XXXX. The charges even have a different code on them then the real XXXX charges I made. I called money lion to dispute immediately and it was denied to to insufficient evidence. So I called to appeal. And they said something that gave me even more leverage. The payment was some how made in Texas or the charge was set up to look like it was made in XXXXwhicu I didn't know until just now meaning it was anxiously fraud. How could I bring my virtual card from California to Texas in 6 mins and then buy items that came out to w perfectly even numbers {$75.00} & {$35.00} simultaneously over thousands of miles away from eachothor

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 2026-06-30 00:00:00
Product: Vehicle loan or lease — Loan
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: PENTAGON FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Paid off auto loan early. PenFed charged {$590.00} upfront for a XXXX waiver. Under Indiana Code 24-4.5-3-202, a pro-rata refund is legally required for policies over {$400.00}. PenFed is refusing to issue the unearned refund, which constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under federal guidelines.

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