vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
A new collection account has appeared on my credit report that does not belong to me. I have never done businessnow or in the pastwith XXXX XXXX XXXX XXXX XXXX and have no knowledge of them as the original creditor for a {$120.00} charge reportedly opened on XX/XX/XXXX. I currently have a credit freeze in place and have not applied for or obtained any new lines of credit or wireless services since placing that freeze in XX/XX/XXXX. I am also a previous victim of identity theft and filed a report with the FTC on XX/XX/XXXX ; I have the documentation saved and can provide the report number if needed. 

I have not received any billing notices or payment requests by mail from either the alleged original creditor or the collection agency. The account simply appeared on my credit report. I filed two disputes with XXXX  : the first on XX/XX/XXXX ( completed XX/XX/XXXX ) and the second on XX/XX/XXXX ( completed XX/XX/XXXX ). Both investigations were returned as verified as accurate and updated. I contacted XXXX  directly today and spoke with an agent who advised me to file an identity fraud report. 

Additionally, I receive multiple robocalls each day from various lending agencies offering funds, which leads me to believe this may be another scam attempt involving my personal information and finances.

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 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I mailed a certified written dispute and request for debt validation to the debt collector regarding an alleged credit card debt. USPS tracking confirms the letter was delivered XX/XX/year>. The letter requested validation of the debt and instructed that collection activity cease until validation was provided. 

Despite receiving this written dispute, the collector sent collection emails on XX/XX/year> and XX/XX/year> offering settlement options and encouraging payment. No debt validation documentation has been provided. 

Continued collection activity after receipt of a written dispute and prior to validation appears inconsistent with federal debt collection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX handling of a fraudulent charge on my account. 

On XXXX XXXX, I did not authorize a transaction to XXXX for amount of {$3800.00}. For that matter, I have NEVER made a purchase through XXXX. 

On XX/XX/year>, I received a phone call from an individual falsely claiming to be a representative of XXXX XXXX. The caller stated ther was a suspicious activity on my account and used this FALSE representation to induce me to supply a one-time PIN. I was told they needed this PIN to close my account and not authorize a purchase. 

This was a bank impersonation / social-engineering scam. At no point did I anything authorize a XXXX transaction or consent to this charge. 

Immediately after this call, I ended the call & called XXXX XXXX to report the incident that had taken place 10 minutes prior. Despite the prompt reporting, the bank has denied my fraud claim on the basis that i provided a PIN. I escalated the matter and case as since been reopened. Case XXXX XXXX XXXX On the call to reopen case, I was told that I provided PIN. Obvious to me that my original call was either ignored or not documented correctly. 

Providing a one time PIN under fraudulent misrepresentation does NOT comfort your authorization in the Fair Credit Billing ACT. The transaction was the result of deception and should be classified as fraudulent.

I am requesting that : 1. The {$3800.00} XXXX charge be permanently removed 2. Any related interest or fees be reversed 3. My account NOT be negatively reported to any credit bureau 4. XXXX XXXX provide a written explanation of its final determination. 

I am asking the CFPB to review this matter and assist in ensuring that this fraudulent charge is properly resolved. 

Sincerely, XXXX XXXX XXXX XXXX ( last 4 digits ) : 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 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Saturday XX/XX/year>, I received XXXX emails that someone has opened a savings, checking, XXXX loan applications and enrollment in on line banking with Truist bank in my name. 
I called the bank stating this is NOT me and its fraud. They gave me a case number of XXXX. 
On application was declined while the savings, checking and other loan are still open. Savings last XXXX digits XXXX, and checking XXXX. ( I hav routing numbers as well. 
XXXX loan applicains XXXX and XXXX. 
I called the bank on tuesday XXXX and was on hold for an hour with no answer. I called back on Wednesday XXXX and spoke with someone who shared I need the fraud dept at XXXX. I called wed and was on holf for over an hour and never spoke to someone. I called today Thursday and there is a recording no calls being accepted. 
Scared to death while these accounts are open and I can not get a hold of anyone at Truist to get them closed. 
I have XXXX theft protection involved as well but they can not get a hold of anyone as well.

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 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I received a notice from the IRS stating that there was {$180000.00} of income reported on a form XXXX from block Inc. And that I owe {$52000.00} in taxes for that year. They held my my refund refund for this debt that in XXXX. There were transactions in the amount of XXXX XXXX XXXX XXXX XXXX and a few smaller ones, all incorrect. I have contacted Cash App and block incorporated and they just keep requesting my email address and saying that nothing is coming back on my dashboard. They can not look up any information with the transaction number or Social Security that they provided to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I called Westlake financial and their Attorney 4x on XX/XX/2026 to inform them that they have taken more than what was owed and provided documentation to my employer that the amount that was still owed was a lot more than was due. In fact they stated that I still owed, XXXX, when the amount owed at the time was {$1700.00}. As of this date they have taken {$3400.00}, which is {$1600.00} more than what was owed and tomorrow I will have another {$430.00} deducted from my pay check. When speaking to the first person she transferred me to litigation, no answer no voicemail, call then automatically transferred me back to her at which time she hung up. I called back and she hung up on me again. Then I called again was instructed to call the attorney which I stated I had and still haven't received a return call, then the phone was disconnected. I callback and spoke to XXXX, who transferred to someone who I couldn't understand due to a language barrier and he refused to give his name or operator number stating that he had already stated it. This is starting to cause an extreme hardship on me, as I have other creditors that I owe. Please help me stop this garnishment so that I can be able to pay the other creditors that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
This account does not belong to me. The furnisher has failed to provide documentation showing I have a contractual obligation for this debt, in violation of 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). 

Card of CCB/CHLDPLCE CREDIT CARD closed off account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Date Action XX/XX/year> Open Capital One Account XXXX Call to Capital One- Get information, Setup account and App XXXX Fund Account by transfer from my XXXX  XXXX  account to the new Capital one account. Details about the transfer are detailed in Document XXXX attached XXXX Call to Capital One. I was able to see funds in the App for XXXX  days, now the account seems to be locked, so I see a balance, but can not do anything. What is going on? 
XXXX Call to Capital One, Still can not see funds, multiple re-authorization steps but nothing changes. I can not do anything with funds XXXX Call to Capital One XXXX Call to Capital One - more attempts to resolve issue XXXX Call to Capital One - told I must travel to XXXX Cap One Caf to resolve XXXX Meet Capital One Ambassador at Cap One XXXX  - He made multiple calls to internal departments, was unable to resolve, I was told that Cap One will close account and refund the {$100.00} XXXX Call Cap One- to follow-up on return of funds- where are the funds? 
XXXX Call Cap One- to follow-up on return of funds- where are the funds? 
XXXX Call Cap One- to follow-up on return of funds, told to ask Ally to request funds be returned, XXXX Discuss request with XXXX, they agree to try XXXX Ally requests transfer from Cap one. Attempt fails b/c account is inactive XXXX Call Cap One-Inform of multiple attempts by Ally to get funds returned XXXX Another Call to Capital One- where is refund? 
XXXX XXXX to Capital One, where is refund? I suggest alternatives to transfer ( ie credit on my XXXX Card, mail check ) Capital One rejects all suggestions ( XXXX min ) XXXX Call to Capital One, where is refund?, I suggest alternatives to transfer ( ie credit on my XXXX Card, mail check ) Capital One rejects all suggestions ( XXXX hr XXXX min call ... no resolution ) XXXX Call to Capital One - told They can not authenticate me, so can not tell me anything about status of account, NOW only solution is to go to Cap One Caf, get XXXX in person. I explain that I am traveling out to the country so I can not visit their XXXX  for at least a few months. Since I have already done this ( In XXXX ) I really doubt this will solve anything XXXX I check Capital XXXX Online, see that all funds are withdrawn. XXXX is now {$0.00}. No warning, no notices, no details at all. The account details simply say " XXXX '' I was not informed or consulted XX/XX/XXXX? I call Capital One to protest that my funds are gone and they can not explain, claiming that they can not share any information because they can not authenticate me. I need to go to the Capital One XXXX. 

Note that ALL CALLS to Capital One were recorded by Capital One, so the facts, and their refusal to remedy the situation is well documented on those recordings. The dates in the above timeline are accurate so details can be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
still holding us hostage for a late payment in 2025 and misreporting on a co applicant on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/year>, I received a phone call from a Wells Fargo phone number asking if I was trying to send a XXXX transfer to someone in XXXX. The phone number was XXXX, and I searched the phone number, and it appeared as the Wells Fargo Claims. They gave me multiple directions on how to recover the XXXX funds that were sent from my account. Eventually they asked me to text information to XXXX, and I checked my checking account and saw that funds were actually deducted in the amount of {$3500.00}. At this point, I hung up on them. They called back and I answered and they continued to give me new directions, while impersonating Wells Fargo. At this point I was just listening to them talk and pretending that I was following their direction. I then asked to speak to their supervisor, and was transferred to someone else. I listened to their direciton for a couple of minutes, and then hung up. I immediatley called Wells Fargo, and was on hold for a long time. Once I got through, I requested a fraud claim be initiated. I received a letter from them denying the claim. I called Wells Fargo to appeal the claim, referencing Regulation E, but they denied me the opportunity to appeal the decision. I asked them what efforts they are making to recover the funds from the receiving bank, and they suggested that all they will do is send one electronic communication to them, and wait to see if they respond. Wells Fargo acted slowly after my call, and seems to have put minimal effort into protecting their customers, and now they are denying my claim and appeal request.

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I got scammed on XXXX for {$350.00} on XX/XX/XXXX. I immediately reported the fraud to my bank the next morning when I found out it was a scam. Fifth Third Bank proceeded to file a dispute and told me it will take 45 days to dispute. I sent all of the screen shots of my messages with the scammer to the fifth third fraud department, proving that it was a scam and I never received my products I was supposed to. They issued me a temporary credit while they tried to retrieve the funds, which never should of been an option due to me showing all the proof of being scammed. As of today, XX/XX/year>, they have taken back their temporary credit, without saying a single word to me, not a call, text, email, or anything before doing so. I gave the fraud department a call, then they proceeded to transfer me 3 times when I brought up the temporary credit being reversed, so I get to a manager and the manager just tells me that they are not able to refund me for the fraud, since they couldn't get the funds back from the scammer. The only thing she said was that they sent out a letter today as well, even though they have my number, email, and my local bank tellers name and number. They didn't even wait until I received the letter to revoke the credit, they just took it out of my account without caring about how I would be without it. They still keep telling me that there's nothing else they can do about the issue and telling me to have a good day, while they pocket the money they should be refunding me since I had documented proof that it was fraud. I just want my {$350.00} back from being scammed cause I need it so I can order the same thing I needed with that {$350.00} from a more trusted person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: NJ

Complaint narrative:
A man from Credit Systems International IncXXXX called me at my place of employment and said that he was calling because XXXX ( XXXX XXXX XXXX XXXX ) has put me into collections for an amount of {$500.00} and that I must pay this immediately. The phone number he called from was XXXX. I told him that he is not correct, that I am not in collections nor do I owe this amount and to never call me again especially at my place of employment. When we hung up I called the billing department at XXXX XXXX XXXX XXXX XXXX XXXX ) and they said that I am not in collections nor was my account sent to a debt collector because I am in good standings and my balance is only {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
A retainer for digital services was sent to this PayPal wallet and is now being held by PayPal for an undisclosed amount of time. I received a prompt for information regarding a much earlier transaction, which was provided. No request for information about this transaction was asked. PayPal has long since confirmed my identity via SSN and driver 's license. The retainer in question was paid to initiate work on a tight turn XXXX week project that can not shift. The funds were also supposed to facilitate the costs of software needed to perform the job, and I've had to borrow funds to cover this gap. The work was promised to begin under the XXXX as soon as payment was made. The work has started as agreed and there's some question as to whether or not the funds will be released to me or refunded, the latter of which would cause considerable headache. I was charged a {$30.00} processing fee to move the funds digitally and quickly, holding the funds is adversely impacting my business. Fees are paid when a service is provided to a customer and the service has been interrupted, I want the fee refunded. When I called the customer service line I was informed I would receive the funds within XXXX hours. It has been XXXX hours and the funds still have not been released. Further, the help articles regarding this hold and policy provide instructions for release that do not align with the user interface of the app in question, i.e. a set of instructions for release of payment for services can not be followed because the information in the article is outdated and does not reflect the user interface of the app, therefore the userflow for release does not exist. I was assured over the phone and live chat " not to worry '' that the funds would be released... I'm not waiting a month to file this complaint. I'm including some screenshots of XXXX later interaction I've had with customer support, along with the outdated article in question. I've been told by several friends that PayPal will hold the money as long as legally possible, which according to PayPal is over XXXX  days. This is unacceptable. I have paid a fee, I have provided all requested information, they have all verifiable information on my identity, and yet they continue to hold my funds without explanation beyond " it's our policy ''. Further, regardless of the legality of their policy, it is not disclosed in a fair or transparent way. I've moved these types ( and scale ) of transactions through XXXX, XXXX XXXX, XXXX, XXXX, and XXXX, and I have never had to deal with this unreasonable policing of individual transactions or withholding of funds that are rightfully mine. If it had been disclosed to me that this was policy, I never would've engaged their services. This hold is inversely impacting my business.

Company response to consumer: Closed with non-monetary relief