vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XXXX XXXX XXXX, U.S. Bank charged my account four overdraft fees of {$36.00} each ( {$140.00} total ). My account transaction history clearly shows a positive available balance after each underlying transaction posted. The overdraft fees themselves caused and worsened the negative balance -- not my spending. This is a fee-induced cascading overdraft. I contacted U.S. Bank customer service multiple times to resolve this. Representatives repeatedly told me my available balance was negative prior to the charges. However, my account history displays each transaction with the merchant name, charge amount, date, and the balance remaining after each charge -- and that balance was positive. During one call, a representative requested a screen share session to review my account together. Upon seeing my transaction history, the representative was unable to explain the discrepancy between what I was seeing and what she claimed to see on her end. She then placed me on hold for nearly 30 minutes and disconnected the call without resolution. A prior representative was rude and also disconnected me. When I attempted to use the chat feature, I was directed to call again. I have now made four attempts to resolve this without success. I am requesting reversal of all four overdraft fees ( {$140.00} total ) and a formal review of the repeated customer service failures I experienced, including representatives who disconnected active calls.

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 2026-06-10 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: OH

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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filled a claim before and the company responded with information about my account. I don't need that. I did not make the purchase for XXXX. The first charge i did back when I was in Hawaii. I need help with getting the removed from my credit report due to i wasn't the one making that purchase of XXXX. Wells Fargo.

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 2026-06-10 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: TX

Complaint narrative:
I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. Under 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability. Pursuant to FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ) Credit Bureaus is mandated to implement the FCRA Law for the Creditor 1681s-2 ( b ).

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 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I am filing this complaint against CBE GROUP, located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$320.00} originally owed to XXXX COMMUNICATIONS, Account XXXX. xxxxxx XXXX, on my consumer credit reports with XXXX, XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/XXXX, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( XXXX ) cease all collection activity ; ( XXXX ) provide full written validation of the alleged debt; and ( XXXX ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION XXXX REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm, including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
The conclusion of my claim dated XX/XX/XXXX is listed as duplicated claim, which I do not agree with. The current issue is not a duplicate matter but the unresolved status of the wire transfer and PNCs failure to provide timely trace information. In the response and attachments I received on XX/XX/XXXX, PNC states : We investigated, we previously responded, we eventually provided the trace information, and we are declining compensation. However, the response does not state that the funds were delivered to the beneficiary, nor does it state that the funds were returned. Accordingly, I request written clarification of the following : - The final disposition of the wire transfer dated XX/XX/XXXX, in the amount of {$670.00} - The date on which the beneficiary bank received the funds, if applicable - Whether the beneficiary account was credited - If the funds were not credited, the current location and status of the funds - A complete SWIFT trace report and supporting payment documentation, including XXXX ( if available ) The documentation provided does not include an XXXX, and there is no UETR reference number. In fact, no XXXX is present in the trace materials provided. PNC acknowledges that I requested a wire trace on XX/XX/XXXX, and that this was not provided at that time. As a result, I was unable to determine the status of the funds despite repeated inquiries and was ultimately required to make an additional payment after the beneficiary continued to report non-receipt of the original wire. The consequences of this failure extended beyond the amount of the wire itself. Because I was unable to obtain confirmation regarding the location or disposition of the funds, I faced ongoing disputes regarding payment. This situation contributed to eviction notices being issued for alleged non-payment of rent and ultimately affected the non-renewal of my lease. It also impacted my legal stay in XXXX during a critical period of my doctoral research and archival work. Had PNC provided the requested trace information in a timely manner, I may have been able to resolve the dispute earlier and avoid the financial, housing, and immigration-related consequences that followed. While PNCs response references the initiation of a trace, it still does not clearly state the final disposition of the {$670.00} wire transfer. I therefore request written confirmation of whether the beneficiary bank received and credited the funds, whether the funds were returned, or where the funds are currently located. In light of PNCs acknowledgment that my trace request was not previously provided and the resulting harm caused by the delay, I respectfully request that PNC reconsider its decision to deny compensation and conduct a further review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
THIS IS A CONTINUATION OF COMPLAINT ID # XXXX. We received ANOTHER invoice from BofA for this account we've been trying to close for months. They are non-responsive on closing the account and still sending out new invoices with new bogus charges. It's obvious BofA doesn't respond to the cfpb. I didn't tell BofA to partner with XXXX XXXX to launder XXXX of XXXX XXXX XXXX. BofA 's executives made those decisions while visiting XXXX XXXX with their good personal confidant. BofA seems to have all the XXXX XXXX on staff. Why are they treating me like I did something wrong? Like I don't have any rights? I'm not a XXXX XXXX XXXX XXXX victim being presented to XXXX XXXX XXXX on his most recent trip to the XXXX XXXX -- so why is BofA treating me like one?

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 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: MS

Complaint narrative:
On XX/XX/year> XXXX XXXX I had an amount of XXXX in agreement that the payments would be monthly The following week they started taking out a total of XXXX out they had me XXXX I paid back see none of that was ever disclosed to me. So then I got a call today from my administrator at the main office of my job telling me She was sent at garnishment against me to take out 15 % of my check each week so that means taking out 30 % I get paid every 2 weeks I have a brand new car to pay for I'm sorry If these people want their XXXX or even whatever they got my garnishment for {$2000.00} these people are ridiculous. I reached out to them and email and requested that they stop calling my number and harassing me and harassing family and told them until they can come to an agreement with me I'm not paying them XXXX red XXXX. So when they tried to reach me I've talked to him a couple of more times and I told them they can come to an agreement with me drop the agreement and I'll pay them once a month they can't do that well they sent the garnishment I have not ever got anything from them according to a court order or a judgment or anything from them they send it straight to my administrator. So I am putting a stop on it because they have not gave me or issued a judgment case number or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Got car from XXXX XXXX of XXXX XXXX Was told term was for 16 months to payoff XXXX. Put a Down-payment of XXXX down. Was told by the bank that my term was for 61 months. And that my interest rate was 24.68 %. I was lied to by the dealer at signing, the dealer took my XXXX, and now I'm signed up for a 5 year 1 month loan to pay back XXXX with outrageous interest and high payment to do so! Which was not disclosed up front in the beginning. This bank called Santander didn't even send me any paperwork on the loan period. I found them on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
To Whom It May Concern : I am in receipt of your correspondence regarding the above-referenced account. In response to my previous request, you provided information that appears to verify the existence of an account ; however, the information provided does not sufficiently validate the debt as required for me to determine the legitimacy, accuracy, and enforceability of your claim. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide additional documentation to validate the debt, including but not limited to : 1. The name and address of the original creditor. 2. Documentation showing that I am legally obligated for this debt. 3. A complete payment history and accounting of the amount claimed, including any interest, fees, or other charges added after charge-off. 4. Documentation demonstrating your authority to collect this debt, including evidence that the account was assigned or transferred to your organization or the current owner. 5. A copy of any agreement, contract, or instrument bearing my signature that created the alleged obligation, if available. 6. Documentation establishing the current owner of the debt and the chain of titles from the original creditor to the present owner. 7. Are there any insurance claims found on this debt? Until such validation is provided, I dispute this debt in its entirety and request that all collection activity cease. If you have reported this account to any consumer reporting agency, I request that it be reported as disputed. Please provide the requested documentation within a reasonable period. This letter is not a refusal to pay but a request for information to determine the validity of your claim. Thank you for your attention to this matter. I look forward to your response. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management regarding its continued reporting of inaccurate information on my consumer credit reports. Midland Credit Management is reporting an alleged collection account with a balance of approximately {$1300.00}. The account is being reported with late payment history and other derogatory information that I dispute as inaccurate. I have submitted multiple disputes regarding this account and have repeatedly informed Midland that the information being reported is incorrect. Despite these disputes, Midland continues to report the account without providing sufficient evidence that the reported information is accurate. I also have reason to believe that this account may be connected to fraudulent activity associated with identity theft and/or the XXXX XXXX data breach. The original creditor, XXXX XXXX, appears to have previously charged off or written off the account. However, Midland continues to report and collect on the alleged debt without adequately addressing my concerns regarding the legitimacy of the account and the accuracy of the information being furnished to the credit reporting agencies. Most concerning is Midland 's continued reporting of late payments and derogatory payment history. As a debt buyer, Midland did not originate this account and should not be reporting information that it can not independently verify. The reporting of inaccurate late payment information has caused significant damage to my credit profile and has negatively impacted my ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date of Birth : XXXX Last Four of SSN : XXXX Capital One Attn : Customer Disputes Department RE : Formal Dispute of Inaccurate XXXX Late Payment To Whom It XXXX Concern, I am writing to formally dispute inaccurate reporting on my Capital One account that reflects a XXXX, XXXX late payments and open dates of this account and CLS closed dates on my credit report for this same account number. Account Holder : XXXX XXXX XXXX Creditor : Capital One Account Number : XXXX Date of Alleged Late Payment : XX/XX/year>, XX/XX/year>, XX/XX/year> Date of Alleged open Date : XXXX, XXXX, XXXX, XXXX Date of Alleged closed Date : XXXX, XXXX Paid, Closed / Never late Date : XXXX, XXXX The information currently being furnished to the credit reporting agencies is inaccurate. Under the Fair Credit Reporting Act, furnishers of information to consumer reporting agencies are required to report information that is complete and accurate. Reporting a payment as 30 days late when it was not constitutes inaccurate reporting. Additionally, under the Truth in Lending Act and XXXX U.S.C. XXXX, creditors must correct billing errors and properly credit payments to a consumers account. Therefore, I am requesting a full investigation into this matter. Please provide the following documentation used to support the reporting of this alleged late payment : The complete payment history for this account The date the payment was received and processed Documentation showing how the payment was applied Any records used to determine the account was XXXX days late If you can not provide documentation verifying that the payment was in fact 30 days late, you must immediately correct or delete the inaccurate late payment reporting from all consumer reporting agencies including Experian, Equifax, and TransUnion. Please complete your investigation and provide written confirmation of the correction. Failure to correct inaccurate reporting may constitute a violation of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to a timely resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had a phone call with Comenity on XX/XX/year>. The calls are always a nightmare, takes hours out of my life to get simple information, the CSRs do not understand basic English, do not answer your questions, you have to ask multiple times they talk over you and are extremely rude to you, there is horrible connection issues for the call, there is awful background noise, kids yelling, dogs barking lots of people yelling and being very loud on their end, it is completely unprofessional and it is very frustrating. I am not an angry or violent person, but this spikes my temper as my time is valuable to me, I may cuss or may have said something out of line I do not recall, however I live an extremely BUSY life and do not have time for this garbage. They will not get you an English speaking representative either. I work in customer service in the financial industry myself and would be fired for 2 % of how they have treated me. Although I do not remember that specific call being bad I am pretty sure I got an English speaking rep, and I complained about the previous reps. I received 2 letters in the mail, absolutely no conversation or warnings prior to this, that I am no longer allowed to call the company any of the 6 accounts I have with them. This is how I make my payments. I have tried the online options, however since they blocked my number the multi factor auth code does not come to my phone so I can not log in to pay my bills. I have 6 accounts with Comenity, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. The letter states I can not call in on any of these, and I can not receive the multi factor code on ANY of them. I CAN NOT PAY MY BILLS and they are going to charge me XXXX per card ongoing. This is not acceptable, they will not even tell me what happened, I have no way to dispute it. I need this resolved ASAP as my bills are do the XXXX and XXXX of the months. I almost want to completely cancel all the cards and no longer do business with a company that can do this, but worry about the credit reporting of this. I need to get my balances paid. I want the phone restriction unblocked so I can pay my bills.

Company response to consumer: Closed with explanation