vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: TX

Complaint narrative:
In 2023, I entered into a contract with XXXX for XXXX treatment, which included both aligners and post-treatment retainers. I completed the aligner phase of treatment ; however, XXXX filed for bankruptcy and ceased operations before providing the retainers included in the service. As a result, a required portion of the contracted service was never delivered. This constitutes a material breach of contract. Despite the service not being completed, a remaining balance of approximately {$1200.00} was sent to collections and is currently being reported on my credit. My XXXX financial institution investigated the charges and processed reversals related to this issue, indicating that services were not fully provided. Despite this, the collection account remains active and continues to negatively impact my credit. I dispute this debt because it arises from an unfulfilled contract and is not legally owed.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: SC

Complaint narrative:
PLAZA SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERVIC 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 explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
I am disputing a debt of {$67.00} related to toll charges being collected by Linebarger Goggan Blair & Sampson LLP on behalf of XXXX XXXX. The vehicle associated with these tolls was previously jointly owned. I transferred my ownership interest to the co-owner prior to the dates of the toll charges. I provided a signed title transfer document to demonstrate that I was no longer an owner. I also contacted the Colorado DMV and XXXX XXXX XXXX XXXX XXXX. The county confirmed that I am not listed as an owner of the vehicle. Despite this, the toll authority continues to require a bill of sale, which does not exist because the vehicle was not sold. It was a transfer of ownership between co-owners. I also attempted to obtain official documentation confirming ownership dates, but was informed that such records can only be requested by the current owner, making it impossible for me to provide what is being requested. As a result, I am being held responsible for a debt tied to a vehicle I did not own at the time of the toll charges. I am requesting that : * The debt be removed from my name * Collection efforts cease * Records be corrected to reflect that I was not the owner at the time of the toll charges

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a formal complaint regarding an unauthorized charge on my Synchrony Mastercard ending in XXXX A charge in the amount of {$110.00} from XXXX was posted to my account. I did not authorize this transaction, did not make this purchase, and do not recognize it. I have contacted Synchrony Bank multiple times and submitted written disputes, but the bank continues to insist the charge is valid without providing any proof of authorization. I am requesting : Immediate removal of the {$110.00} charge Full investigation of this unauthorized transaction Written proof of authorization if the bank believes the charge is valid Under the Fair Credit Billing Act, I am not responsible for unauthorized charges, and I am escalating this issue due to the banks failure to resolve it after repeated attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX, I was notified by my son, whose bank account i am a signer, that someone took {$1400.00} out of his account over the weekend, leaving him with a negative balance of {$1300.00} including a negative balance fee of {$10.00}. I reported this the same day on XX/XX/XXXX and Prosperity bank submitted my dispute of these charges on XX/XX/XXXX. I understood that according to regulation XXXX, that the dispute needed to be reported within XXXX business days, which it was, and that following this rule, our liability would be capped at {$50.00}. I learned from the bank while reporting this, that the banks system was down for maintenance during that weekend in question and it is my contention that the bank failed to safeguard my account. the balance at the time of the fraudulent charges was only {$100.00} and the banks safeguards failed to stop the transactions from happening, even though there were no funds available, culminating in XXXX Charges of {$1400.00}. on XX/XX/XXXX, a denial letter was received without proof or evidence as to why the denial was made. i believe this to be in violation of regulation XXXX as well., also in the banks own mobile app, it shows the transation date of XX/XX/XXXX while showing a date posted as XX/XX/XXXX, implying that the transactions were approved before the transactions were even made. this clearly shows the bank is in error and is violating regulations XXXX as well as my rights

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

Complaint narrative:
Truist bank has held account 1st Check deposit XXXX XX/XX/XXXX Was held and froze funds. 2nd check deposit XXXX and froze entire accounts. Provided all requested documentation and proof of information. Continue to promise resolution. No resolutions completed. Sent over all proof of company and funds distributer information. The following email was sent on XX/XX/XXXX along with multiple documentation. to be told XX/XX/XXXX account is held and closed without any updates or additional information to resolve only provided different reasons and information with each conversation with cfo department : To whom it may concern, I am reaching out in an urgency of the funds being held as it seems that my account had been flagged as fraudulent. I have multiple accounts see ( ss with you including businesses and I am looking to speak with someone to verify the details of the account. These funds being held do not only effect me, it is a vital XXXX need to access thrse funds to comply to the grant received from. We have a community event that must be held this weekend and to comply, we must use these funds. As the {$1800.00} check was held, but the {$5000.00} check was not. I am asking for if not all of the XXXX, at least {$2500.00} be noted available to withdraw so that we may meet the needs and requirements of our community and contracts this weekend. We are in extreme need to resolve this issue immediately. Please consider the tenure and I have with Truist and this organizations importance in our community. I have attached verification below. You may visit XXXX to our organization and positions. As XXXX XXXX XXXX of this foundation along with the items below. Attached are various documents to show my position as well, as contracts for both our grants, deposited, communication from the county, information of our purpose and impact, information for our direct contact, XXXX XXXX XXXX and their financial department contact XXXX. Also, I am including our official sam.gov XXXX showing me as director as well as the ein. I hope This verified information shows the support needed our validation and the role Truist plays in ensuring these obligations are fulfilled and the connection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I am filing this complaint under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). On XX/XX/XXXX, I purchased two XXXX XXXX XXXX XXXX XXXX totaling {$3500.00}. On XX/XX/XXXX, I presented myself at the departure airport more than two hours before departure. At the check-in counter, the airline refused to issue boarding passes and denied carriage due to a visa issue. No transportation was provided. At the time of booking, the airline collected full passport information. No visa warning or notice appeared during purchase or confirmation. The carrier accepted payment and issued tickets, then denied boarding at the airport. This further supports that the service was not delivered as agreed. Despite denying boarding at the airport, the airline later coded the reservation as a No Show and represented to Bank of America that it was willing and able to provide service. I disputed the charge with Bank of America. On XX/XX/XXXX, Bank of America denied my dispute, stating that although I wasnt able to use the service, the merchant was willing and able to provide it. This is incorrect. The carrier refused performance. No service was rendered. Under 15 U.S.C. 1666 ( b ) ( 3 ), a billing error includes charges for services not delivered as agreed. Transportation was not delivered. The bank relied solely on the merchants assertion and failed to conduct a reasonable investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am disputing a charged-off account reported by OneMain Financial . This account is being reported with a balance that appears inconsistent with the original loan amount and payment history. Additionally, there are concerns regarding the accuracy of the reporting timeline. I have not been provided with documentation verifying the full details of this account. I request that this account be investigated and deleted if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am submitting this complaint regarding the closure and reporting of my Amazon credit account issued by Synchrony Bank. My account was closed shortly after activation due to two returned payments that occurred within a very short period of time ( approximately one week ). Both payments were later successfully processed and resolved, and there was no outstanding unpaid balance at the time of closure. The bank informed me that account closure may occur when multiple returned payments happen within a 12-month period. In my case, the returned payments occurred early in the account lifecycle and within a short timeframe, and were subsequently corrected. I am requesting a review of : 1. The decision to close the account shortly after opening 2. The accuracy of how the returned payments are being reported to credit bureaus 3. Whether the credit reporting correctly reflects that the payments were resolved and did not result in a sustained delinquency I respectfully request that Synchrony Bank reviews the classification and reporting of this account to ensure it accurately reflects the actual payment resolution and account activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my savings account with Wells Fargo. The unauthorized activity occurred over an extended period, from XX/XX/XXXX through XX/XX/XXXX. I did not authorize these transactions at any time. I reported this issue to the bank, but they only reviewed a limited portion of the transactions ( approximately a few months ) and denied my claim, stating that the transaction ( XXXX ) were authorized. However, the bank has not provided any clear evidence demonstrating how these transactions were authenticated or authorized. Additionally, the bank justified limiting their investigation due to the timing of my report. While I understand there may be time limitations, the bank still has a responsibility to conduct a full and reasonable investigation, especially in cases involving ongoing unauthorized activity over a long period of time. This was not a single isolated transactionit was a pattern of repeated unauthorized withdrawals over more than a year. The bank failed to review the full scope of the fraud and did not explain how such repeated access to my account could occur without detection. I am requesting : * A full reinvestigation of ALL unauthorized transactions from XX/XX/XXXX through XX/XX/XXXX * Documentation showing how the bank determined that these transactions were authorized ( including authentication method, device, IP address, or any verification used ) * A clear explanation of why the full period of fraudulent activity was not reviewed I respectfully request that this matter be reviewed thoroughly and fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tiffany & Tiffany PLLC
State: GA

Complaint narrative:
I received a response from Tiffany & Brown stating that XXXX XXXX XXXX sent me a Notice of Sale and a Notice of Deficiency on XX/XX/XXXX, along with supporting documents such as the auction report, repossession and sale expenses, payment history, and loan payoff calculation. However, I did not receive any of these documents from XXXX XXXX XXXX or XXXX XXXX at the time they claim they were sent. The first communication I received regarding this alleged debt was a collection notice from Tiffany & Brown in XX/XX/XXXX, which I initially believed to be a scam due to the lack of prior notice or documentation. Additionally, I was served with a Warrant in Debt that was placed in my mailbox without obtaining my signature, even though it was sent via certified mail. Because I do not check my mailbox regularly, I did not become aware of the court date in time to respond or appear. I contacted the court to request a continuance ( rescheduling ), but I was informed that it may be too late. I respectfully request that the court allow me an opportunity to reschedule so that I may properly review the documents, prepare my defense, and respond to the claims being made. At this time, I also want to clearly state that despite the claims made by Tiffany & Brown, I still have not received any of the referenced documents, including the Notice of Sale, Notice of Deficiency, auction report, or supporting financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
The last job I had was unable to send my payroll checks to my account. Causing delay and making me have to use another account pay system for my XXXX income. Also, two places that I visited to dine rejected my card as a form of pay when I had money. I had to cross the street and go to an atm to withdraw to make the payment on one of the situations. NOW, I hear about this issue and I am concerned that if I don't say something now, I could run into problems in the near future

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Verify the account account and tell me how its verified if not it should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Comerica
State: TX

Complaint narrative:
Comerica XXXX XXXX in XXXX has mismanaged and taken unearned fees from my trust account for the past eight years until there is now almost nothing left. During the most prolific bull market in securities and commodities ever, the trust earned almost nothing with fees ( for what never clarified ) consistently outweighing meager earnings. As a result, I requested the trust transfer the balance to my XXXX account. This effort began over a year ago with my former advisor, XXXX XXXX, advised me that I was able to do so once the trust reached the XXXX level reached XXXX year ago. This threshold was then changed to XXXX which was reached in XXXX last year. XXXX XXXX was then let go from the bank and now with another in XXXX. I learned then that Comerica was abruptly taken over by a holding company called XXXX XXXX or XXXX XXXX something like that. Without informing me, a XXXX XXXX was installed as advisor and she was gone in less than a month and again, without advising me ( and still waiting for the transfer of XXXX to XXXX ), a XXXX XXXX XXXX installed as advisor in XXXX and I was not privy to this until my monthly budget payment XXXX from the trust was curtailed without any notice despite written agreement provision until XXXX. When finally she answered one of dozens of emails sent, she simply replied that the trust can no longer support any payments. My money! So they appear to be taking the remainder of my trust instead of transferring it to me as agreed over a year ago. Please help. These people have been stealing from me for years along with their intentional mismanagement. Rather than gainful investment per fiduciary responsibility the trust was put into worthless XXXX and XXXX " securities '' that earned nothing. All I get now are confusing statements that show another XXXX missing! Please help me! I deserve my own money in addition to compensation for malfeasance. XXXX in XXXX, XXXX XXXX XXXX , was the " investment '' counselor. I personally requested many times that he invest the money gainfully and at least half in gold which he roundly refused and lied telling me that my mother had dictated his investment instructions which was outright lie. She never did that. They purposely invested in XXXX, XXXX etc., which earned nothing during the biggest bull market in history! If just a portion had been properly invested I would never have to work again but I'm now largely dependent on small Social Security payments leaving us in danger of being low on food and utility payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding an inaccurate collection account reported by National Credit Systems. On XX/XX/year>, the original creditor, XXXX XXXX XXXX XXXX XXXX, confirmed in writing that my account was paid in full in the amount of {$3300.00} and that the balance was XXXX. I have documentation confirming both the payment and the XXXX balance. Despite this, the account was later sent to collections by National Credit Systems and reported to the credit bureaus as unpaid. This information is incorrect. I contacted the property management company, and they stated that they requested removal of the account from collections, but they failed to provide any written confirmation, and the negative account remains on my credit reports. As a result of this inaccurate reporting, I suffered financial harm, including the denial of a XXXX application. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), as the information being reported is inaccurate and has not been corrected. I am requesting the following : Immediate deletion of this collection account Removal of all related negative reporting from XXXX XXXX XXXX XXXX Written confirmation that the account has been deleted Supporting documents have been provided, including proof of payment and written confirmation of XXXX balance from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing a charge-off account reported by Capital One. This account contains inaccurate reporting, including inconsistencies in payment history and balance. The account also appears to have been updated in a way that may be re-aging the debt. Under federal law, creditors are required to report accurate and complete information. I request that Capital One provide documentation supporting the accuracy of this account or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: MD

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