vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am disputing a {$440.00} collection account reported by ProCollect. This debt originates from a prior apartment lease where my {$1800.00} security deposit was applied by the landlord toward rent and administrative fees upon move-out. I vacated the unit on XX/XX/XXXX, after discussing an early move-out with the leasing office for approximately two months. I was informed that no additional balance would be owed and that my only responsibility was to return my keys and parking pass. My rent and utilities were paid during my occupancy. Despite this, additional charges were later applied, including a utility charge dated XX/XX/XXXX, after I had already vacated the unit. I attempted to contact the landlord regarding these charges but received no response. On XX/XX/XXXX, I sent a certified debt validation request to ProCollect requesting documentation supporting the validity of the alleged debt, including an itemized breakdown and proof of charges after vacancy. The letter was delivered, but ProCollect failed to respond or provide any validation. Despite the lack of validation, the company continues to report this account on my credit report. I am requesting the deletion of this unverified collection account and written confirmation that it has been 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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XXXX XX/XX/year> i mistakenly sent a zelle to the wrong person ( screen shot attached ) one number was off. i tried to get help online from chase but all the have is an XXXX XXXX XXXX then today XX/XX/year> i call in an attempt to seek help and they tell me that there is nothing that they can do when i asked for help trying to reverse a XXXX payment sent to the wrong number. i tried to contact the mistaken sender and i have not gotten a response via text and they have not answered the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened a checking account with Huntington Bank and used it for personal transactions. Recently, I noticed two transactions associated with XXXX that I did not authorize. I promptly reported these transactions to the bank and filed a dispute. Shortly after reporting this issue, my online access was locked, and I was later informed that my account was under review. I then received notice that the bank decided to terminate the relationship and close my account. I want to clearly state that I did not authorize the disputed transactions and reported them in good faith as soon as I became aware of them. I am concerned that my account was closed without a clear explanation and possibly in connection with my dispute. I am requesting : 1. A clear explanation of why my account was closed 2. Confirmation of the status of my dispute and any provisional credit 3. Confirmation of whether any negative reporting ( such as XXXX ) has been made I am seeking a fair review of my situation and proper handling of my dispute in accordance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/year>, I deposited a U.S. Treasury check for {$11000.00} via mobile deposit into my established Alliant Credit Union account. Following this deposit, Alliant locked my entire account, denying me access to my existing personal funds. I have provided Alliant with the following documentation : IRS Form XXXX and the IRS Approval Letter ( proving the IRS vetted my claim and issued the check directly to me at my address of record ). XXXX XXXX Guardianship paperwork ( proving I am the legal guardian for the deceaseds sole heir/minor daughter ). Despite these documents, Alliant has verbally stated they are 'verifying ' a check the Treasury already shows as 'Paid. ' Crucially, Alliant has violated Regulation CC ( 12 CFR 229.13 ) by failing to provide a written Notice of Delayed Availability. Furthermore, they have not released the mandatory {$6700.00} large-deposit portion that should have been available by the second business day. This lock is causing severe financial hardship, as I am currently caring for a XXXX child and can not access any of my money. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: Chime Financial Inc
State: AL

Complaint narrative:
They took money out my account and went I dispute the charges they declined it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: NY

Complaint narrative:
The contractor was hired to install vinyl flooring on the basement floor and stairs. The basement floor was completed, but the stairs were not finished because the stair nose was missing. I contacted the contractor repeatedly over the course of four months, but they stopped responding and never returned to complete the job, despite the fact that I paid in full in good faith. I also attempted to resolve the matter through Bank of America claim ID XXXX, but the claim was not handled effectively. It remained in a being reviewed by merchant bank status for a month and was ultimately denied. I am requesting assistance because the contractor failed to complete the work as agreed and did not make any effort to remedy the issue.

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 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
Paid collection still negatively impacting credit, requesting review of reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CT

Complaint narrative:
I am writing to formally escalate an unresolved issue with MOHELA that has persisted since XX/XX/XXXX, despite over 12 written requests and multiple phone calls. I have clearly and repeatedly requested a specific account verification letter, yet MOHELA continues to send me generic financial activity statements that do not meet my request. The requested letter must include ALL of the following : -Lenders official letterhead -Date of issuance -Account holders full name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Account number : XXXX -Detailed record of payments from XX/XX/XXXX to present, including : -Dates of each payment -Amounts of each payment -Clear identification of which loans the payments were applied to Specific payments that must be included : XX/XX/XXXX {$12000.00} XXXX XXXX Direct Loan XX/XX/XXXX {$5100.00} XXXX XXXX Direct Loan XXXXXX/XX/XXXX {$1000.00} XXXX XXXX Direct Loan XXXXXX/XX/XXXX {$1000.00} XXXX XXXX Direct Loan All of this information is already available and verifiable within my account. For reference, MOHELA has successfully provided this exact type of letter previously ( see letter dated XX/XX/XXXX, available in my account inbox ). Therefore, this request is not new or unreasonable. This matter is time-sensitive, and the continued failure to provide the correct documentation despite clear, repeated instructions has caused significant frustration and delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
MY ISSUE IS NOT WITH OPENING AN ACCOUNT. I SELECTED THAT BECASUE THERE WASN'T AN OPTION FOR ME. My issue with US Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the beginning of XXXX XXXX I went to this location to make a deposit. When I was backing into a parking spot I backed my truck into a tree that was hanging out over the spot I was trying to use. I went inside and discussed it with a rep. He took pictures of my truck and the damage. This was on a Friday. I followed back up trying to reach the branch manager and was unable to both reach this person or leave a message. Finally a week later I called in again and the rep that helped me that day answered the phone. He said he was turning the issue into corotate. That is when on XX/XX/XXXX I received contact from a XXXX XXXX with XXXX. He spoke to me about the incident and asked for me to get 2 estimates on the damage. I had that info to him within 24 hours. After multiple attempts of me reaching out to XXXX XXXX with no response he finally emailed me on XX/XX/XXXX to tell me that US Bank would not be liable because they rent the property and I needed to reach out to yet again another person. He now referred me to their landscaping company that maintains the property. To me at this point it was ridiculous. I was on the property where my bank was located using the bank. HE would not respond further. I then sent a certified letter to US Bank requesting support on XX/XX/year> and still no response or support to fix my truck. I need someone to help me with holding US Bank liable to fixing my truck.

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 2026-04-21 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: NM

Complaint narrative:
I recently reviewed my credit report and noticed accounts that I believe are the result of identity theft. These accounts do not relate to any transaction made by me and I did not authorize them. I previously contacted the credit bureau regarding this issue, but the accounts are still being reported on my credit report. I am submitting my Identity Theft Report along with proof of my identity and address. FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX - XXXX Incorrect Name - XXXX XXXX- PLEASE DELETE THIS ASAP! Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PLEASE DELETE THIS ASAP! Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX - PLEASE DELETE THIS ASAP! EMPLOYER - XXXX XXXX- PLEASE DELETE THIS ASAP! EMPLOYER - XXXX XXXX XXXX - PLEASE DELETE THIS ASAP!

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am a victim of identity theft involving a fraudulent American Express account opened on XX/XX/XXXX, in the amount of {$2900.00}, which I did not open or authorize. To address this matter, I filed an identity theft report with the Federal Trade Commission and obtained an official Identity Theft Report, completed and signed an identity theft affidavit, and filed a police report documenting the fraud. On XX/XX/XXXX, I submitted a formal dispute to XXXX, including all supporting documentation such as my FTC report, affidavit, police report, and proof of identity, requesting the removal of this fraudulent account from my credit file. Despite taking these steps, the fraudulent account remains on my credit report and continues to negatively impact me. I am requesting a proper investigation, removal of this account, and written confirmation that I am not financially responsible for this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have an account with Venmo and received {$620.00} on XX/XX/year> at XXXX XXXX. The transaction ID is : XXXX. I have verified my XXXX account with XXXX who is third party to oversee payments. And I have tried numerous times to transfer the funds in my XXXX account to my XXXX Bank acct/my XXXX ATM and but I keep getting error messages that I have no bank on record even though I have several emails confirming that my XXXX bank is connected to my XXXX account. I have tried many times to get help from XXXX and I have not gotten anyone who will help me. They hang up on me or I get a message from them stating my case will be resolved if I pay {$5.00} plus sign up for a service that is billed to my ATM of {$38.00} per month. This has got to be illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: KY

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am disputing the accuracy of information you are furnishing to the credit bureaus under FCRA 1681s-2. The account listed is reporting inconsistent and misleading information, including : * Conflicting statuses ( charge-off, late, bankruptcy ) * Incorrect payment history * Failure to properly update after payment Under federal law, you are required to : * Conduct a reasonable investigation * Correct or delete inaccurate data * Report consistent and verifiable information Additionally, under the Truth in Lending Act ( 15 USC 1666 ), I request full documentation of the account and billing accuracy. If you can not verify the accuracy of this account, you must immediately request deletion from all credit reporting agencies. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a {$520.00} XXXX XXXX XXXX at a PNC Bank branch in XXXX, XXXX XXXX records which I have in writing confirm the money order was cashed by PNC on XX/XX/XXXX. On XX/XX/XXXX, PNC reversed the deposit from my checking account, coded as a " ret dep item, '' citing the money order as a suspicious item. PNC did not send me any written notice of this reversal, nor did they return the physical money order to me. I did not discover this reversal until approximately one year later, in XX/XX/XXXX, while reviewing my finances for tax purposes. On XX/XX/XXXX, I contacted PNC 's escalation department. The representative told me the money order " was returned to the issuing institution '' and stated that a money order " is issued to your account quickly but doesn't actually complete the process. '' This directly contradicts XXXX 's written verification that the instrument was cashed and never returned. PNC has refused to re-review the matter and has directed me to return to XXXX for reissuance despite XXXX confirmation that the funds were paid to PNC and not returned to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: NC

Complaint narrative:
I am filing a formal complaint regarding an invalid debt being reported and collected by a third-party agency on behalf of XXXX XXXX XXXX XXXX This debt is being pursued based on inaccurate and disputed information, including an incorrect move-out date and charges that do not reflect my actual lease obligations or payment history. I fulfilled my lease requirements and made all required payments during my lawful tenancy. I formally disputed this debt with the collection agency and requested validation pursuant to the Fair Debt Collection Practices Act. The response I received was insufficient and failed to provide proper documentation supporting the legitimacy of the debt, including proof of the alleged move-out date or a lawful basis for the charges. Despite my dispute, collection efforts have continued without adequate verification. This raises concerns regarding compliance with federal law and the accuracy of the information being reported. Additionally, the underlying landlord-tenant situation involved significant habitability issues, including mold and structural damage, as well as questionable maintenance record practices, further calling into question the legitimacy of the claimed balance. I am requesting : * Full investigation into this matter * Proper validation of the alleged debt * Correction or removal of any inaccurate reporting * Confirmation that all collection activity complies with federal law This matter is formally disputed, and I am seeking immediate resolution. Please call:XXXX or email me back at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I previously submitted a dispute concerning am account with XXXX XXXX and serviced by XXXX XXXX XXXX. This account is currently in active dispute and is now pending arbitration proceeding with the XXXX XXXX XXXX. TransUnion responded by stating that the account has been " verified as accurate. '' However, it appears that TransUnion relied solely on the furnisher 's response without conducting a reasonable and independent investigation as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/year>, an unauthorized ACH debit of approximately {$7300.00} was withdrawn from our business bank account by a company we do not recognize and have no relationship with. We did not authorize this transaction, nor did we provide any ACH authorization or agreement to this entity. On XX/XX/year>, we contacted Citi to report the transaction as fraudulent and received a reference number confirming the claim. Two days later, a second unauthorized transaction of approximately {$4000.00} was attempted by the same entity, this time as a wire. Citi was able to reverse this second transaction promptly, confirming fraudulent activity on the account. Despite the clear pattern of fraud and timely reporting, Citi has declined to return the initial {$7300.00} ACH debit, stating that the transaction was authorized because the originator used valid account information. Citi has also indicated that they have been unable to obtain a response from the originating bank. We have repeatedly stated that this company is not an authorized vendor, and no authorizationwritten or otherwiseexists permitting them to debit our account. Citi has not provided any evidence of authorization. We are requesting that this transaction be properly classified as an unauthorized ACH debit and that the funds be returned. Lack of response from the originating bank should not determine whether a transaction was authorize

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX an unauthorized transaction was placed without my knowledge or consent. I did not partake in any transaction, I have filed a police report and FTC report in reaction to the transaction. I was told I was unable to dispute the charge until it posted on my statement. As soon as it did I report the transaction to Navy Federal XXXX Department. I used my physical debit card at a XXXX XXXX location and the cashier took my card and was withholding it for an abnormal amount of time. I do not know if she actually stole my card information but she seemed nervous when handing it back to me.

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