vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Atlantic Recovery Solutions LLC
State: SC

Complaint narrative:
I am filing this complaint against Atlantic Recovery Solutions LLC located in XXXX, NY. This company began contacting me by phone and text in early XX/XX/year> regarding an account originally from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The account had previously been handled by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. After I sent a cease-and-desist and intent-to-sue letter to XXXX, that account was closed, yet Atlantic Recovery Solutions began contacting me soon after XXXX 
Their text messages on XX/XX/XXXX and XX/XX/year> used coercive language such as Urgent, Time Sensitive, and Today Only, trying to pressure me into payment before any written validation of the debt. I also received a voicemail the first week of XXXX where the caller only identified as ARS, stating the call was an attempt to collect a debt but failing to identify the full company name or provide any mailing information. 
No documentation proving ownership, validation, or assignment of the debt has ever been received. They may have pulled my credit report without a permissible purpose. These actions violate several sections of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and CFPB deceptive practices rules. 
The repeated communication, deceptive urgency tactics, and unverified collection activity have caused confusion, distress, and interference with my credit access. I am requesting CFPB review and enforcement due to the companys repeated failure to comply with federal law. I am seeking full relief and closure of this account. If this matter can not be resolved through the CFPB process, I will pursue legal action and seek the maximum statutory and compensatory damages allowable by 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 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: MN

Complaint narrative:
Subject : Unauthorized Debits and Disputed Loan Payoff BHG Financial Loan No. XXXX Summary : BHG Financial issued two conflicting payoff statements for my loan, then accepted a payment under one of those statements, later retracted its own confirmation, and continued to withdraw funds from my account without authorization even after formal dispute notice. 

Details : On XX/XX/year>, BHG Financial issued an official payoff statement for {$73000.00}, which I authorized in full. Later that same day, BHG sent a revised written payoff quote for {$43000.00} as of today. I relied on that written representation in good faith, approved the debit, and received multiple confirmations by phone and email that the account was paid in full and that a satisfaction letter would follow. 

On XX/XX/year>, BHG acknowledged that the revised payoff amount resulted from a typo and payment-processing error.

Despite that admission, BHG attempted to re-establish a {$30000.00} balance, characterizing the error as internal but continuing to assert collection rights. 

On XXXX XXXX XXXX XXXX XXXX, I provided written notice that the account was under formal dispute and that no further withdrawals were authorized under Regulation E and applicable consumer-protection laws. Nevertheless, on XX/XX/XXXX, BHG initiated a new debit from my bank account for {$1400.00} without consent. When I objected, BHGs representative, XXXX XXXX, responded in writing that payment withdrawals will continue until your loan balance has been fully satisfied, openly acknowledging intent to continue debiting during an active dispute. 

This conduct violates : Regulation E ( 12 CFR 1005.10 and 1005.11 ) unauthorized electronic fund transfers after revocation ; UDAP standards ( 12 USC 5531 ) unfair and deceptive acts ; and State consumer-protection laws governing unauthorized withdrawals and deceptive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, Wells Fargos Enterprise Complaints Management Office ( ECMO ) denied my dispute regarding multiple XXXX debit transactions from my Wells Fargo checking account. The denial stated that the transactions were authorized and that no processing error occurred. 

My dispute, however, is not about unauthorized use it is about merchant deception and misrepresentation. The merchant, XXXX used misleading in-app purchase prompts and false value descriptions that resulted in repeated unintended debits. Under Regulation E 1005.11 ( a ) ( 1 ) ( ii ), this constitutes an error involving deceptive or misrepresented electronic fund transfers under Regulation E, requiring prompt investigation and correction. 

Wells Fargo did not consider the merchant-error component and instead applied the unauthorized-use provision ( 1005.6 ), which is a misclassification.

To support this, I have attached several pieces of evidence : Wells Fargos denial letter dated XX/XX/XXXX ( Attachment XXXX ). 

XXXX redacted XXXX  XXXX XXXX letters ( Attachments XXXX ) from my spouses account, showing that the same XXXX transactions were treated inconsistently XXXX approved for refunds and XXXX denied. This demonstrates the deceptive merchant pattern and confirms that other major banks recognized the misrepresentation. 

A detailed timeline summary ( Attachment XXXX ) outlining Wells Fargos claim handling from XX/XX/XXXX to XX/XX/XXXX. 

My call notes ( Attachment XXXX ) from a conversation with XXXX XXXX, Escalations Representative at Wells Fargos Executive Office ( ECMO ), confirming that the denial was based solely on authorized use despite clear merchant deception. 

This collective documentation shows a clear procedural failure under Regulation E error-resolution requirements ( 1005.11 ).

I respectfully request that Wells Fargo reopen and re-evaluate the disputed XXXX transactions under the correct Reg E section for merchant misrepresentation, refund the affected amounts, and confirm in writing that proper classification procedures will be followed in future cases.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/year> Subject : XXXX : XXXX XXXX : XXXX To Whom It May Concern : I am writing to formally dispute and demand immediate removal of a fraudulent auto loan account that appears on my Equifax credit report. The account in question was opened without my knowledge or authorization, and I have never applied for or agreed to such a loan. 
This is a clear case of identity theft and must be treated as such under both federal and Georgia state law. 

Details of the Unauthorized Account : Creditor Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX Under O.C.G.A. 16-9-121 ( Georgia Identity Theft Statute ), using another individuals personal identifying information to obtain credit is a felony. 
Pursuant to O.C.G.A. 16-9-127, any credit reporting agency that continues to report a fraudulent account after notice may be liable for civil damages.

I am also invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit bureaus investigate and correct disputed information within 30 days of receiving a dispute.

Additionally, reporting inaccurate or unverified data after being notified is a violation of FCRA 1681e ( b ), and I will hold Equifax legally accountable if this is not resolved immediately.

DEMANDS : Immediate deletion of the fraudulent auto loan account from my Equifax credit file.

Written confirmation of removal and results of your investigation within 30 days, as required by law.

Suppression of re-reporting of this account by any third-party furnishers unless full legal proof of my consent is provided.

All records related to your investigation, including communications with the original creditor.

If you fail to investigate or remove this fraudulent account, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General, and the Federal Trade Commission ( FTC ). I will also pursue legal action for damages resulting from your continued publication of false and defamatory credit data in violation of both state and federal law.

I demand that Equifax comply fully and respond in writing within 30 days from the date you receive this notice. This matter is urgent and legally actionable. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/year> Subject : XXXX : XXXX XXXX : XXXX To Whom It May Concern : I am writing to formally dispute and demand immediate removal of a fraudulent auto loan account that appears on my Equifax credit report. The account in question was opened without my knowledge or authorization, and I have never applied for or agreed to such a loan. 
This is a clear case of identity theft and must be treated as such under both federal and Georgia state law. 

Details of the Unauthorized Account : Creditor Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX Under O.C.G.A. 16-9-121 ( Georgia Identity Theft Statute ), using another individuals personal identifying information to obtain credit is a felony. 
Pursuant to O.C.G.A. 16-9-127, any credit reporting agency that continues to report a fraudulent account after notice may be liable for civil damages.

I am also invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit bureaus investigate and correct disputed information within 30 days of receiving a dispute.

Additionally, reporting inaccurate or unverified data after being notified is a violation of FCRA 1681e ( b ), and I will hold Equifax legally accountable if this is not resolved immediately.

DEMANDS : Immediate deletion of the fraudulent auto loan account from my Equifax credit file.

Written confirmation of removal and results of your investigation within 30 days, as required by law.

Suppression of re-reporting of this account by any third-party furnishers unless full legal proof of my consent is provided.

All records related to your investigation, including communications with the original creditor.

If you fail to investigate or remove this fraudulent account, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General, and the Federal Trade Commission ( FTC ). I will also pursue legal action for damages resulting from your continued publication of false and defamatory credit data in violation of both state and federal law.

I demand that Equifax comply fully and respond in writing within 30 days from the date you receive this notice. This matter is urgent and legally actionable. 
Sincerely, 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 2025-10-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased an american express gift card for {$50.00} from XXXX on XX/XX/XXXX, and it has not worked at any store or online shop. I called american express on XX/XX/XXXX, who said it was frozen to protect fraud but could not give me a reason why it was frozen before it could even be used. They initally said they would mail me a new XXXX in XXXX business days, which is unacceptable- i need this money urgently. I was told to call back after XXXX hours, as the replacement was already processing, and that they would expedite it by sending it with XXXX instead of XXXX. I called back today, XX/XX/XXXX, well after XXXX hours. They now say that they can not verify me as the person who previously called about the card, however I am the only person who called - no one else. I bought the card and no one has even seen the card other than myself. They now can't even confirm they are sending the replacement card on the original timeline, so I have no idea if I am getting the money I am rightfully owed. They can not tell me anything as they claim someone else called which is simply not true. They said they would have to file a complaint, but that it would require verifying my ID with the card and the card does not have an address or name attached as it is a gift card. I have no clue if they are even sending me the money, and after almost XXXX hours on hold total between both days, am now being told they can't tell me anything about the card because the name doesn't match whatever name they said is in the system. I also lodged a complaint on the XXXX and they will not tell me if that is processed. I spoke with a supervisor named " XXXX '' but he could not give me a last name. I requested a written confirmation and they said they do not do that, so I have no way to record what is going on and i am getting desparate for help to get my money I rightfully am owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I had an account paid off though an adjustment on XX/XX/XXXX which is over 60 days ago as of XX/XX/XXXX when I spoke to someone around XX/XX/XXXX I was told the account would be deleted from my credit within 60 days which it has not been deleted or updated which is in severe violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I XXXX XXXX am A victim of Identity theft request the deletion and removal of the following fraudulent accounts : 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 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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please assist me by blocking and removing the late payments that are currently listed on my credit report. I was never late on any of my payments. These were inaccurate and greatly damage my credit worthiness. I was never late on any of my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This complaint is not being submitted in error. My credit report contains false and inaccurate information that does not reflect my true financial history. These inaccuracies are causing me undue stress and are negatively impacting my credit standing.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XXXX XXXX XXXX, I contacted Synchrony to set up a payment plan and was offered a XXXX XXXXmonth arrangement, which I accepted and paid. At that time, I was asked whether I wanted to enroll in recurring payments, and I declined, opting instead to make payments manually through the app. 

However, when I attempted to log into the app, I was unable to access my account. The representative I spoke with did not inform me that closing the account would prevent me from using the app or receiving statements. I later learned that my account had indeed been closed. 

On Thursday, XXXX XXXX XXXX, at XXXXXXXX XXXX, I called Synchrony again. The representative I spoke with expressed concern that I had not been informed of these limitations and attempted to escalate the issue, but I was never successfully connected to a resolution. 

At this point, I am unable to verify my payments or ensure they are being processed correctly. I no longer trust Synchronys communication or systems. I am requesting the following : Immediate reinstatement of my account with full app access Paper statements mailed to me for transparency and recordkeeping A secure and reliable method to continue making payments manually Please treat this as a formal request for resolution and documentation.

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I own my own auto glass company. Customer gave me a check. Check went through 2 days later. Customer cancelled because they found a better price. Ask to sell money back which i did. 3 days later the check came back as fraud. XXXX bank wont do anything about it. Now Im negative XXXX dollars in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
on XX/XX/year> I was unable to access TransUnion 's system to dispute false information on my credit report. The error messages are attached to this complaint.

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 2025-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH is repeatedly rejecting my application for help ( Loss Mitigation ) because of a an error they made in their own system, causing huge, costly delays. 

We started the paperwork in XXXX and were told not to pay while the application was being processed. We were then put on a trial payment plan, which we fulfilled and were approved for the modification. They then asked us to resubmit the paperwork for a second time. 

In the following months we submitted and resubmitted the same paperwork at PHH 's request without a clear reason why. We even requested that PHH send out their own Notary Public to notarize the documents before submitting them for the XXXX time. 

We received an Approval Notice in the mail dated XX/XX/year> stating we were approved for FHA Recovery Modification only told to notarize and resubmit ALL of the paperwork again. This time they demanded we overnight the documents via certified mail at our cost. We sent it in the envelope provided to us by PHH.

PHH rejected it again without clarifying the error. This forced me to submit the application a third time. 

This back-and-forth because of their error has wasted several days and weeks. Now, the financial documents I sent in the first and second packages have expired and I had to gather and send all-new paperwork again. 

After several calls to PHH I was able to finally get an answer about the error. Whoever submitted the vendor 's lien had misspelled our names. PHH failed to catch this error and notify us.

We were told to have the notary write AKA and the misspelled names next to our names as we signed the paperwork for a third time. PHH again demanded we send the new paperwork overnight certified mail. Our contact told us we had until the XXXX of XXXX to submit. We did and we have the tracking number and verification of receipt on their end. 

We were told on several occasions in writing and over the phone we were approved for our loan modification. They send an email since that said we failed to turn in the paperwork in a timely manner and they sent another letter stating the way to satisfy the account is with a short sale or deed in lieu.

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