vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: IL

Complaint narrative:
On XX/XX/year>, I initiated a {$500.00} remittance transfer through Abound ( Transaction ID : XXXX ) to send funds to XXXX. The total amount debited from my account was {$500.00} ( including {$1.00} transfer fee ). According to Abound 's tracking system, the transfer has been stuck in " Delivering to Recipient '' status since XX/XX/year>, with no resolution despite being 16 days overdue. 

Timeline of Events : XX/XX/year> : Transfer initiated; funds immediately debited from my account ( {$500.00} total ) XX/XX/year> : Abound 's system shows " Funds received '' by them XX/XX/year> : Status changed to " Sent to XXXX '' and " Delivering to Recipient '' - at this point, transfer should have been completed XX/XX/year> : Status shows " Transfer delayed, but no cause for concern. YOUR MONEY IS SAFE & SECURE. This has been escalated internally and is being handled on priority. '' My Attempts to Resolve : XX/XX/year> at XXXX XXXX CST : Contacted Abound XXXX XXXX via chat regarding remittance delay. XXXX acknowledged high request volumes and moved conversation to email. 
XX/XX/year> at XXXX XXXX : First email follow-up requesting priority assistance XX/XX/year> at XXXX XXXX : Second email follow-up XX/XX/year> at XXXX XXXX : Abound responded only to ask me to connect with live agent XX/XX/year> at XXXX XXXX & XXXX XXXX : Third and fourth email follow-ups XX/XX/year> at XXXX XXXX : Abound acknowledged my complaint but provided no concrete resolution Current Status ( XX/XX/year> ) : The recipient has not received the XXXX ( INR amount ) after XXXX days. Abound 's app shows generic delay messages without explanation, timeline for resolution, or option for refund. Despite their claim that the issue is " escalated internally and being handled on priority, '' there has been XXXX progress since XX/XX/year>. 

Issues : No delivery of funds to recipient despite XXXX days passing No clear explanation for delay No timeline provided for resolution Customer service unresponsive to multiple follow-ups No option offered for refund or cancellation Violation of reasonable delivery timeframes under federal remittance rules

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY A XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc.
State: MD

Complaint narrative:
" My Self Visa account was closed on XX/XX/year>. I am owed a total of * * {$310.00} * * ( {$200.00} security deposit + {$110.00} credit balance ). The company is withholding my funds and demanding I link my private bank account through a third-party service to receive my own money. I have requested a paper check, but the company refuses to issue one unless I provide banking data. Per Regulation Z XXXX, I am requesting my full refund be mailed via check immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
On XX/XX/XXXX, my apple card was charged {$470.00} by airbnb. 
I saw the charge within 1 hr and contacted apple via chat. I do not have an airbnb account, did not make any reservations. my apple card number was immediately changed.

I am the only one on my apple card, I have sole and continuous access to my phone ( apple pay ), and physical card. I did not authorize anyone to make this charge.

I stated as such to apple. 
XX/XX/XXXX it was recharged and stated " because there is no evidence to substantiate the claim '' I once again disputed it as the already mentioned information is still accurate. This was not authorized or made by me. 
XX/XX/XXXX it was recharged and stated " original decision will remain because there is no evidence to substantiate the claim '' .I once again disputed it as the already mentioned information is still accurate. This was not authorized or made by me. 
This time I ask for evidence or anything that shows I did, because I did not authorize or make this charge. 
All I got is my XX/XX/XXXX statement showing the original charge that was disputed. 
I once again disputed it as the already mentioned information is still accurate. This was not authorized or made by me. 
XX/XX/XXXX it was recharged and stated " '' because our records indicate that the transaction was authorized ''. This time I call in and I escalate it to the next tier of management. They tell me to go online and try to make an airbnb account to show that there is no account with my name and email. I do this and screenshot and send to be attached to my account. I get a call back the next day from the 2nd tier management who recommends that I file a police report. I do that same day and then submit the report number and have it attached to my file. The person I chat with states they will reach out for a copy of report. In the meantime, I once again disputed it as the already mentioned information is still accurate. This was not authorized or made by me. I never get that request. 
XX/XX/XXXX it was recharged and stated " because our records indicate that the transaction was authorized ''. I both chat and call in to once again for the FIFTH time dispute this unauthorized charge that I did not make or authorize. I once again ask for any information that shows I authorized it. The email/details associated with this charge and nothing has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mines. I have disputed and no validation letter was mailed in return. It has been more than the XXXX  days that the credit bureaus and debt companies are allowed to respond with the documents with a wet signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 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: Experian Information Solutions Inc.
State: GA

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 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are not mines. I have disputed and no validation letter was mailed in return. It has been more than the XXXX  days that the credit bureaus and debt companies are allowed to respond with the documents with a wet signature.

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 2026-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I set up a single payment of {$1300.00} for due date of XX/XX/XXXX on mortgageXX/XX/XXXXXXXX for XX/XX/XXXX. An additional amount of {$1300.00} was also taken on XX/XX/XXXX from my bank account. 

I called PNC Bank on XX/XX/XXXX and requested the additional {$1300.00} to be returned back to my bank. They stated they could not reverse the funds back to my account. Then the representative stated it would be dropped to paper cashier 's check. I stated I wanted my money back immediately. She insisted I it was not a computer glitch and that I submitted the XX/XX/XXXX payment. Then she stated they will not release my money at all. 

I have record showing the XX/XX/XXXX payment does not have any assignment of money allocation selected. You can not submit additional payment unless you choose XXXX of their options : XXXX. Current due amount, XXXX. Principle, or XXXX. Interest. The XX/XX/XXXXpayment is listed as Other. You will notice that XXXX of the applied payments is slightly more {$1400.00} due to the {$120.00} sellers ' assist amount that is applied monthly. That should have remained in place for the month of XX/XX/XXXX. 

On XX/XX/XXXX, this mortgage is showing we owe for the month of XXXX which we paid on XX/XX/XXXX. I wrote then questioning why has our payment for the month of XXXX has been removed? 

Currently, a total of XXXX is unaccounted for, our XX/XX/XXXX payment is missing, and the additional funds of {$1300.00}. 

I also requested the following to rectify the problem. 

I would like the following done : - XXXX ) The additional {$1300.00} reversed back to my bank. 

XXXX ) The {$1300.00} paid and intended for XXXX payment on XX/XX/XXXX to be applied back to mortgage XXXX. 

I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NE

Complaint narrative:
USBANK wants to close my acoount and I do not know why. They can not do that with out anyreason because I will lost a lot of money. They close my saving account for no reason and I lost XXXX dallores.

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 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I disputed a {$3300.00} rental charge with Wells Fargo for services not accepted or rendered. The booking was made on XX/XX/year> and canceled or cancellation was attempted within approximately XXXX minutes. The property was never checked into, never occupied, and never used. 

XXXX refunded its service fee, confirming the cancellation and non-use. 

Wells Fargo denied my dispute and second-level review stating that the cancellation was processed according to the merchants no-refund policy. However, Wells Fargo has not identified any evidence showing that the rental service was delivered, accepted, or used. No proof of check-in, occupancy, or stay completion was provided.

A merchants no-refund policy does not establish service delivery and does not satisfy Regulation Zs requirement to conduct a reasonable investigation into billing errors involving services not rendered. 

I am requesting reversal of the {$3300.00} charge or a documented Regulation Z compliant investigation demonstrating proof of service delivery.

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 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding Truist Banks denial of a legitimate fraud claim involving my business checking account. 

In XX/XX/year>, Truist sent me a fraud alert text message asking whether I recognized a {$50.00} transaction at XXXX XXXX. I immediately responded NO. I have attached a screenshot of the fraud alert message clearly showing that I declined the transaction. 

At the time, my business checking account balance was {$110.00}. 

Despite my denial, additional unauthorized transactions were processed the following day at XXXX in the amounts of {$50.00} and {$210.00}, totaling {$300.00}. 

Later, in XX/XX/year>, while looking for my debit card, I realized that it was missing. Around that same time, I also discovered that my business checking account had been closed. I immediately visited my local Truist branch and reported the missing debit card and fraudulent transactions. I was instructed to contact the Fraud Department and file a formal dispute ( Claim No. XXXX ), which I did promptly. 

Despite providing all required information and evidence, Truist denied my claim without adequate explanation. The disputed amount has now been forwarded to a collection agency. 

Additionally, my account had a remaining balance of {$110.00} at the time it was closed. I have not received a refund check for this remaining balance. I respectfully request that Truist issue a check for {$110.00}, representing the remaining funds in my account at the time of closure. 

The attached screenshot demonstrates that Truist was aware of suspected fraud at the time of the initial transaction, yet additional unauthorized transactions were still allowed to process. 

I respectfully request : Reversal of the unauthorized charges totaling {$300.00} ; Immediate removal of the account from collections ; Issuance of a check for my remaining balance of {$110.00} ; and A full regulatory review of Truists handling of this matter.

Sincerely,

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 2026-02-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because inaccurate information remains on my Experian credit report despite disputes. I am trying to correct my credit history and need Experian to properly investigate the following items. 

Charged-Off Accounts in Dispute The following accounts are reported as charged off, which I dispute : XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Charged off XX/XX/XXXX Balance {$39000.00} Credit Control Account ending XXXX XXXX XXXX  Charged off XX/XX/XXXX Balance {$1000.00} I request verification or removal if proper documentation can not be provided. 

Unauthorized or Questionable Inquiries I also dispute the following inquiries that I do not recognize or did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
This letter serves as formal notice that I dispute the above-referenced account. 

I previously requested validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ). The documentation provided was insufficient and did not include : A full itemized breakdown of all charges An explanation of how the total balance was calculated Documentation showing I am legally obligated for this debt Proof of your authority to collect A copy of the original signed agreement Providing a balance amount alone does not constitute proper validation under federal law. 

Because you have failed to provide adequate validation, you must cease collection activity and remove any reporting of this account from all consumer reporting agencies pursuant to : FDCPA XXXX ( b ) Cease  collection until proper validation is provided FCRA XXXX ( b ) Duty to report accurate and verified information If you can not provide full validation, you must immediately delete this account from my credit report. 

If this matter is not resolved within XXXX days, I will pursue complaints with the Consumer Financial Protection Bureau and the Federal Trade Commission, and consider further legal remedies. 

This is an attempt to correct inaccurate reporting and enforce my federal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
XXXX XXXX ( Issued by The XXXX XXXX XXXX ) Complaint I am filing a formal complaint regarding Aspires improper handling of a disputed fraudulent MoneyGram transaction and its apparent failure to comply with the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.13 ). 

I timely reported a fraudulent XXXX charge on my Aspire credit card. XXXX acknowledged the dispute and issued a provisional credit. Without providing a legally sufficient written explanation or documentation demonstrating that the charge was authorized, Aspire reversed the provisional credit and re-debited the full disputed amount to my account. 

This action caused my account to exceed its {$500.00} credit limit solely due to a charge I did not authorize. 

Aspires actions appear to violate federal billing dispute protections by : Reversing a provisional credit without a compliant written determination Failing to provide documentation showing the charge was authorized Continuing to impose financial burden during an unresolved fraud dispute Placing my account in over-limit status due entirely to a disputed fraudulent transaction Exposing me to potential negative credit reporting and financial harm At no point was I provided sufficient evidence that the transaction was valid or authorized by me. The burden has improperly shifted to the consumer while Aspire has not demonstrated compliance with its investigative obligations.

Harm As a direct result of Aspires conduct : My account reflects a balance exceeding the credit limit due solely to fraud I face potential credit score damage Interest and fees may accrue improperly I am being required to make payments on a charge I did not authorize This creates ongoing financial and credit risk while Aspire has not demonstrated procedural compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation