vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, I attempted to make a purchase from XXXX XXXX XXXX in the amount of {$130.00}. The transaction did not go through due to a billing issue. My bank then contacted me to verify whether the attempted transactions were authorized, and I confirmed that they were. Although the transactions were initially declined, the company proceeded to charge my account five separate times for {$130.00}, totaling {$690.00}. These funds were withdrawn from my checking account despite there being no confirmed or completed order. I immediately took screenshots and checked both my email and the companys website to verify whether there was any pending order, and there was none. On XX/XX/year>, I visited a Bank of America branch located at XXXX XXXX XXXX, XXXX, WA XXXX to resolve the issue. I spoke with XXXX XXXX ( XXXX XXXX ), whose phone number is ( XXXX ) XXXX and email is XXXX. She reviewed my account and initially indicated that the transactions were removed and that it never happened. However, the funds were already withdrawn out of my checking account prior to arrival at the branch. Despite showing clear evidence that {$690.00} had been deducted from my account, I was told that the transactions had not occurred. I explained multiple times that the funds had been taken from my account, but my concerns were dismissed. I then requested to speak with a manager. The bank manager, XXXX, also stated that the transactions had not occurred and indicated that I was contradicting myself, which was both inaccurate and unprofessional. She then instructed XXXX to contact the fraud department. After speaking with the fraud department, I was informed that the funds had indeed been withdrawn from my account and that they would be returned within 72 business hours. It has now been over 18 calendar days and 13 business days, and I have not received any refund. I have continuously monitored my account, and there has been no reversal or correction. This situation has caused significant stress and has made me question Bank of Americas handling of customer funds and dispute processes. I also contacted the again merchant to confirm whether any orders or withdrawals were processed on their end, and they confirmed that there were none. At this time, Bank of America is still withholding {$690.00} of my money. I have been patient throughout this process, but this matter has exceeded the stated 72-hour resolution timeframe. I am requesting that this issue be escalated immediately, that my funds be returned in full, and that appropriate corrective action be taken. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I am disputing inaccurate and unverified debt collection activity related to an account originally associated with XXXX XXXX and now handled by XXXX XXXX and Javitch Block . The company claims that a judgment was entered against me on or about XX/XX/year>. However, I have conducted searches of the relevant court records and have found no evidence of any such judgment. I was never served with any lawsuit or legal documentation related to this matter. I requested validation of this debt, including the case number, court name, documentation of service, and proof of the alleged judgment, as well as a complete accounting of the balance and ownership. The company has failed to provide this information. Despite this, the company continues to represent that a judgment exists and is attempting to collect on the account. This constitutes a misrepresentation of the legal status of the debt and an attempt to collect an unverified amount. I request that the company provide full documentation supporting the alleged judgment and validate the balance. If they can not provide verifiable proof, I request that all collection activity cease and that any related credit reporting be corrected or 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 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XX/XX/year> RE : Unauthorized Disclosure of Personal Financial Information 15 U.S.C. 6801 Violation To Whom It May Concern : I am writing to formally dispute your reporting of an alleged account on my consumer credit report. Under the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6801, financial institutions have a legal obligation to protect the security and confidentiality of consumers nonpublic personal information. You are currently reporting and sharing my personal financial information with third parties ( credit reporting agencies ) without providing evidence of : My authorization to share this information A valid and enforceable contractual relationship Compliance with privacy notice and opt-out requirements This constitutes a potential violation of 15 U.S.C. 6801 and related privacy provisions. Additionally, under 15 U.S.C. 6802, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without proper notice and opportunity to opt out. At this time, I do not recall providing authorization for your company to : 1. Possess my personal financial information 2. Share my data with credit reporting agencies 3. Report this account under my consumer profile Therefore, I demand the following : Immediate validation of your legal authority to possess and report my data Proof of my written authorization Documentation of compliance with all privacy notice requirements If you are unable to provide this documentation, you must : 1. Cease all reporting to all credit bureaus immediately 2. Delete this account from my credit file 3. Cease any further use or disclosure of my personal information Failure to comply will result in formal complaints filed with : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - State Attorney General This letter serves as formal notice of dispute and demand for compliance. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My current balance with Truist Bank is {$330.00}, which includes charges I previously disputed with XXXX XXXX and XXXX. The XXXX matter has been resolved. However, the XXXX charges remain unclear and unresolved. Below is a summary of the activity : XXXX to XX/XX/XXXX : My original card ending in XXXX was locked. Please confirm this in your records, as no charges should have been processed after that time. XX/XX/XXXX : XXXX billed {$110.00}. I disputed this charge because I do not have a website. XX/XX/XXXX : I received both a credit and a debit adjustment of {$110.00} from XXXX. XX/XX/XXXX : My account balance reflected {$0.00}, which should have been the end of these transactions. XX/XX/XXXX : I received a credit of {$110.00} from XXXX. XX/XX/XXXX : I received a debit adjustment of {$110.00} from XXXX. I emailed Truist and asked them how I could be charged when my original card ending in XXXX was locked. I also asked them to advise me on what website is associated with this XXXX charge and if the website is currently active. I also inquired about the exact billing period, including start and end dates, for the {$110.00} charge. In addition, I asked that they provide signed authorization and supporting documentation for this charge. I received a reply from Truist stating that they reviewed my information and they stand by their original decision. They did not provide an explanation, nor address any of my questions, The excessive fees continue to accumulate. They have continued to charge interest, penalties, and late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am disputing an LVNV Funding LLC collection account ( original creditor : XXXX XXXX XXXX XXXX, account # XXXX ) for {$360.00}. I do not recognize this account and did not authorize it. I believe it may be due to identity theft or unauthorized use of my information. I submitted a debt validation request and did not receive sufficient proof that this debt belongs to me. No signed contract, billing records, or documentation has been provided. As this account is unverified and unauthorized, I request it be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: MA

Complaint narrative:
I've tried over and over again to verify my identity and they keep giving me the run around after I've sent the documents in over and over again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX has sold my information to a collection company.i did not give consent to have my information shared! the account is a XXXX account that was made fraudulent now its affecting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint is related a closed complaint number XXXX This new complaint is a continuation of my previous complaint, which was already closed, regarding the same matter, because Citis response did not adequately address the main issue involved. I want to make clear that my complaint was never focused solely on deferred interest charges, the promotional expiration date, or the need to monitor statements and correspondence. Those points were emphasized in Citis response, but they do not reflect the real seriousness of what occurred. The central issue is that I contacted Citi directly by phone and spent hours on calls attempting to resolve this matter in good faith before it escalated. During those conversations, I received information and promises that led me to believe that if I made certain payments, a broader or final resolution would be provided. Relying on those representations, I made substantial payments and acted promptly to fulfill my part. Later, Citi reversed course, did not honor what had been communicated, and reduced the matter to a simple contractual issue involving promotional interest terms. In addition, I find it inappropriate that Citis response focused on advising me to pay closer attention to statements and correspondence, while ignoring the fact that I proactively sought assistance by phone precisely to clarify the situation and prevent any problem. I did not remain passive waiting for letters ; I actively tried to resolve the issue directly with the bank. I also request a review of the recordings and internal records of those calls, as they may demonstrate exactly what was promised and communicated during those interactions. Therefore, I ask that this complaint be reviewed as a case involving an unfulfilled promise, inconsistent information, and legitimate consumer reliance, rather than merely a dispute about deferred interest charges. I respectfully request the following resolution : XXXX. Full review of all calls related to this matter XXXX. Access to transcripts or available records XXXX. Reconsideration of Citis prior response XXXX. A resolution consistent with what was promised during those interactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Verification Request To Whom It May Concern, I am writing in response to a notice I received from your company regarding an alleged debt. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following information : - The name and address of the original creditor - The total amount of the alleged debt, including any fees or interest - Documentation showing that I am legally obligated to pay this debt - Proof that your company is authorized to collect on this debt Until you provide proper validation, I request that you cease all collection activities and communication regarding this account and remove this from my credit report. Please note that this is not a refusal to pay, but a request for verification. I prefer that all future communication be in writing. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Selene Holdings LLC
State: CA

Complaint narrative:
In XX/XX/2002, a XXXX Deed for the property was signed and notarized. The notary later provided a written declaration confirming that the deed recorded in the public record was not the same document she notarized. The recorded version contains a different legaldescription page, missing initials, and an inconsistent parcel number, indicating that pages were substituted after notarization. The recording sequence also does not match the escrow timeline or the notarys journal entry. These defects originated at closing and were not discovered until years later. Subsequent assignments of the deed of trust appear to rely on these altered documents. XXXX assignment was executed by XXXX XXXX XXXX ( XXXX ), a company repeatedly cited in federal cases for massproduced and unauthorized mortgage assignments. I requested information from the company about these publicrecord document irregularities, including the altered deed, substituted pages, missing initials, parcelnumber discrepancy, and the XXXX assignment. The company refused to respond, stating that I was not authorized, even though I was an owner of the property and am the Executor of the XXXX that held ownership. I am not requesting loan balances, payment history, escrow information, or any private financial data. I am reporting documentintegrity issues that affect chain of title and the accuracy of recorded instruments. The company did not provide any explanation or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RENTDEBT AUTOMATED COLLECTIONS is reporting a {$12000.00} rental debt that is not legally owed. I disputed the account with XXXX and requested validation, including a copy of the lease, a full ledger, itemized charges, proof of assignment, and documentation supporting the balance. RENTDEBT did not provide any of this information. They verified the debt without supplying any lawful validation. XXXX also failed to conduct a reasonable reinvestigation under FCRA 611 ( a ). They accepted a verification with no supporting documentation and reported the account as accurate without proof. This violates their duty to ensure maximum possible accuracy. RENTDEBTs actions also violate XXXX XXXX XXXX XXXX, which prohibits attempting to collect a debt without proper documentation and prohibits deceptive or misleading collection practices. This inaccurate reporting has caused significant harm, including multiple housing denials. I am requesting the immediate removal of this account from all credit bureaus unless the collector can provide full, lawful validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
Cherry Technologies is reporting inconsistent and inaccurate account information on my credit report. The account is currently being reported with a balance of {$3700.00} while simultaneously showing a highest balance of {$0.00}, which is not logically or factually consistent. Additionally, the account is being reported as open, while key payment history fields such as worst payment status are listed as no information, indicating incomplete or missing reporting. This inconsistent reporting does not accurately reflect the status of the account and raises concerns about the reliability of the information being furnished. This account is also tied to a disputed medical financing transaction in which services were not completed and the provider failed to properly reconcile billing with Cherry. Despite this, Cherry has continued to report a balance without resolving the underlying dispute. I am requesting a full investigation, correction of all inaccurate or incomplete reporting or deletion of the account if accurate reporting can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wife uses Wells Fargo ( recipient of this complaint ) and I use XXXX XXXX XXXX On XX/XX/year>, my wife visited the local Wells Fargo branch and purchased a cashier 's check for {$31000.00}. The check was subsequently deposited at a XXXX XXXX XXXXXXXX ATM. After XXXX weeks with no funds available, I received a letter from XXXX XXXX XXXX stating the check could not be accepted due to being incomplete. Upon investigation, XXXX XXXX XXXXXXXX provided photographic evidence clearly showing the Wells Fargo teller failed to sign the cashier 's check. This is a required element for a valid negotiable instrument under the Uniform Commercial Code. Wells Fargo branch representatives have verbally acknowledged that the teller signature is missing from the instrument they issued. XXXX XXXX XXXXXXXX has since confirmed that the check was never negotiated and has been destroyed. This means the {$31000.00} never left Wells Fargo 's possession. There is XXXX financial risk to Wells Fargo in reissuing this check. Despite acknowledging their error, Wells Fargo has refused to reissue the check without either a {$600.00} stop payment fee or additional documentation that requires us to navigate XXXX XXXX XXXXXXXX 's internal departments on Wells Fargo 's behalf. We are being asked to pay for or perform the remediation of Wells Fargo 's own operational failure. My family has been without access to {$31000.00} of our own money for over XXXX weeks due solely to Wells Fargo teller error. We have visited multiple branches, spoken to numerous representatives, and provided photographic proof of the defective instrument on multiple occasions. Wells Fargo has acknowledged the error verbally but refuses to waive the {$600.00} fee or take immediate corrective action. Wells Fargo issuing an incomplete instrument, retaining the funds, and then requiring the customer to pay to correct their mistake represents a clear failure of basic banking accountability and an unfair and deceptive practice toward consumers. I am requesting that the CFPB require Wells Fargo to immediately reissue the cashier 's check for {$31000.00} with all fees waived, as the sole cause of this situation is Wells Fargo 's operational error. Branch location XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of original transaction : XX/XX/year> Amount : {$31000.00} Days funds inaccessible : 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 non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
In XXXX, I voluntarily surrendered my vehicle to the lender. Following the surrender, the company has continued to report a balance of approximately {$9900.00} on my credit report. I requested documentation from the company to validate this balance and to explain how it was calculated. Specifically, I requested information including the date the vehicle was sold, the sale price, whether proper notices were sent before and after the sale, and a breakdown of the remaining balance. The company responded but refused to provide the requested documentation, stating that my account was not eligible for debt validation because they are a first-party creditor. Despite this, the company continues to report the account to credit bureaus with a growing balance and as past due, which is misleading following a voluntary surrender. The reported balance has increased over time without any explanation or supporting documentation. I also disputed this account with a credit bureau, and it was verified as accurate without any documentation being provided to me. At this time, I have not received any proof that the vehicle was sold, the amount it was sold for, or how the remaining balance was calculated. I have also not received confirmation that required notices were sent. I believe the company is reporting inaccurate and unverifiable information and has failed to provide transparency regarding the alleged debt. I am requesting that the company either provide full documentation supporting the accuracy of the account or remove the account from all credit reporting agencies.

Company response to consumer: Closed with explanation