vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 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: FL

Complaint narrative:
I am submitting this complaint to request correction and resolution of inaccurate and unverified information currently appearing on my consumer credit report. Several items being reported are incorrect, incomplete, or lack proper verification, including inaccurate payment history, unauthorized inquiries, collection reporting without sufficient documentation, and incorrect personal information. These errors are negatively impacting my credit profile and do not meet the legal standards required under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. The continued reporting of inaccurate late payments, unverified accounts, and incorrect personal data demonstrates a failure to comply with this obligation. I previously disputed these items directly with the credit reporting agency and/or furnishers and requested proper investigation and documentation. However, the reporting remains unchanged, and I have not received adequate proof validating the accuracy of the disputed information. Under 15 U.S.C. 1681i, credit reporting agencies must conduct a reasonable reinvestigation and delete or correct any information that can not be verified. In addition, any credit inquiries reported without proof of permissible purpose violate 15 U.S.C. 1681b and must be removed. Furnishers also have a duty under 15 U.S.C. 1681s-2 to report complete and accurate account information. Late payments or derogatory marks reported without documentary support are inaccurate and misleading.

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 2026-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Triton Recovery Group
State: GA

Complaint narrative:
The third-party debt collector, Triton Recovery Group LLC , is engaged in abusive collection tactics, harassment, and unlawful third-party disclosures regarding an invalid commercial debt on behalf of its client, XXXX XXXX XXXX. The underlying client is already under active federal regulatory review for " False statements or representation '' under XXXX XXXX # XXXX. The original contract was completely voided due to a prior material breach by the client, who executed unauthorized ACH debits on weekends outside the agreed contractual schedule. A formal UCC-5 Information Statement has been publicly filed in Georgia to document that the client 's underlying UCC-1 lien is wrongful, fraudulent, and invalid. Despite this active dispute, on XX/XX/year>, Triton Recovery Group Collections Specialist XXXX XXXX escalated collection efforts to an illegal and abusive level. In a high-pressure email threat attempting to coerce an immediate telephone call and threatening further administrative asset holds, the representative intentionally included and copied the private, personal email address of my daughter. My daughter is a completely uninvolved third party who has zero legal connection to my business or this commercial contract dispute. Including her private contact information in a commercial collection threat is a bad-faith third-party disclosure designed solely for harassment, intimidation, and to cause emotional distress to force a financial settlement. A formal, written dispute has been sent to the collector ordering them to cease all contact with uninvolved third parties. This matter is also being escalated via an active Congressional Inquiry. I request a formal investigation into Triton Recovery Group LLC for these abusive third-party disclosure and harassment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Trans World Systems , Inc. keeps calling me to collect a debt but I do not owe any debts. Check my credit report - all debts have been paid or settled. They need to stop calling me. I keep blocking their number and they continue to call from other numbers. They do not leave messages. I will call the numbers back and it is TSI on the other line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-05 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: TrueAccord Corp.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file of TRUEACCORD CORPORATION a the amount of {$1100.00} According to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605b it is illegal to report anything on my credit report without my permission. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Accounts, Inc.
State: ND

Complaint narrative:
This debt was fraudulently gained by the rental company and quickly switched over to a debt collector, I disputed this on my credit and had it deleted but a hard pull of my credit had shown this is still showing with notes about the dispute. XXXX at United accounts had also told me they dont own the debt and that the rental company cpm owns the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: ID

Complaint narrative:
I was promised, by contract, a no interest and no fee period of XXXX months beginning in XX/XX/XXXX. As of XX/XX/XXXX I paid off the entire balance on the card. US Bank then began sending monthly statements with fees and interest charges, despite my balance having been XXXX. I paid for all products and services charged on the card.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed 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 2026-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: United Credit and Collections Inc.
State: MO

Complaint narrative:
I have submitted several complaints over two months. The accounts haven't been update. Please resolve this issues with United credit & collection, XXXX XXXX and XXXX funding immediately I provided supporting documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: VeriCore, LLC
State: SC

Complaint narrative:
XX/XX/XXXX informed XXXX XXXX I was not authorized to settle debt. XXXX XXXX has continued to contact me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after being informed I can not assist with payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I purchased three airline tickets through XXXX using my Wells Fargo XXXX XXXX credit card. Each ticket was {$290.00}, for a total of {$890.00}. The tickets were voided/canceled, and XXXX told me the issue had to be resolved The tickets were later voided, and XXXX repeatedly informed me in writing that the matter had to be resolved through Wells Fargo because the dispute was being handled by the bank. I filed a dispute with Wells Fargo, but Wells Fargo denied my claim. XXXX directed me back to Wells Fargo, while Wells Fargo denied responsibility. As a result, I have not received a refund for the canceled tickets and I am left without a resolution.

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 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
Weltman, Weinberg and Reis Co., LPA, a debt collection law firm acting as collection counsel for XXXX XXXX XXXX, has committed multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. First, Weltman accessed my XXXX consumer credit file on XXXX separate occasions within a XXXX period prior to filing suit, without my authorization and without a permissible statutory purpose under 15 U.S.C. 1681b : XX/XX/XXXX ( WELTMAN WEINBERG AND REI ) ; XX/XX/XXXX ( XXXX WEINBERGREIS ) ; XX/XX/XXXX ( WELTMAN WEINBERG AND REI ) ; XX/XX/XXXX ( WELTMAN WEINBERGREIS ). Each unauthorized pull constitutes a separate FDCPA violation under 15 U.S.C. 1692f and 1692e. Second, Weltman filed court motions in XXXX separate cases in violation of court-ordered arbitration stays, without leave of court. Third, Weltman submitted a proposed court order to XXXX XXXX XXXX XXXX. XXXX containing a fabricated filing date citing XX/XX/XXXX, a date that does not exist on the court docket which the court signed without independent verification. XXXX, Weltman failed to respond to Requests for XXXX served XX/XX/XXXX in both cases, resulting in XXXX matters being deemed admitted by operation of law. I am requesting that the CFPB investigate Weltman 's conduct and require them to cease all collection activity related to XXXX XXXX account numbers ending in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
These companies have not been able to provide any documentations of debts owed it has been over 30 days

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 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC
State: OK

Complaint narrative:
I had a total loss on a vehicle, my insurance gave me an amount they are going to pay off and I have XXXX on my insurance to cover the rest. They claim they never got documentation stating a payout although my insurance and I have given that to them almost a month ago. They will not contact me back. They are also well known for scamming and illegally reporting false credit reports. I have made payments on time every single time. Western Funding Incorporation is the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
I am currently unemployed and experiencing financial hardship, which has made it difficult for me to keep up with my college debt payments. I have been trying to understand my options and work toward resolving the balance, but I am concerned because I was informed that my grandmother may be contacted regarding this debt. My grandmother is not responsible for my financial obligations, and I would appreciate all communication regarding this matter being directed to me. I am requesting information about any assistance programs, payment arrangements, or other options that may be available based on my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Zip Co US Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding unresolved fraud on my Zip ( Quadpay ) account and the companys continued attempts to collect payments on unauthorized transactions. On XX/XX/year>, my Zip account was compromised. Several fraudulent transactions were attempted or processed, including : {$1500.00} XXXX XXXX XXXX ( XXXX, FL ) {$180.00} XXXX XXXX XXXX ( XXXX, FL ) {$50.00} XXXX XXXX ( XXXX, FL ) {$40.00} XXXX XXXX ( XXXX, FL ) Additional attempted charges of {$200.00} and {$2000.00} These were XXXX purchases, so only partial amounts were initially withdrawn. My bank successfully reversed all fraudulent withdrawals, and I can provide documentation. I live in Texas and have not used my Zip account since XX/XX/year>, making these Tampabased transactions clearly unauthorized. They were even able to access my Zip account and change my phone number on the account to theirs in order to approve/authorize transactions. Despite multiple calls and emails to Zip, the company has : Failed to investigate or remove the fraudulent charges Continued sending pastdue notices for payments I do not owe Locked my account without providing any resolution Ignored my fraud reports and provided only automated responses Zip is attempting to collect on transactions that were not authorized, not made by me, and already reversed by my bank. This appears to violate obligations under the Electronic Fund Transfer Act ( EFTA ) and Fair Credit Billing Act ( FCBA ). I am requesting CFPB assistance to ensure Zip : Conducts a proper fraud investigation Removes all fraudulent charges and pastdue notices Stops all collection attempts Restores my account to good standing I can provide bank records, screenshots, and copies of Zips communications. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: AR

Complaint narrative:
I have been paying on this loan since XX/XX/XXXX. I have made extra payments on top of the original bill including extra payments in the same month thinking it was paying down the principal and lower interest. It was most definitely not. At XXXX point I made XXXX payments in XXXX month ( XXXX of XXXX ) out of a payment over {$350.00} {$0.00} went to principal, a XXXX payment of over {$350.00} {$22.00} did go to principal, on both payments the rest went to interest. This loan structure is all over the place on how much principal gets paid. The company XXXX XXXX says I have no payment XXXX XXXXXX/XX/XXXX and that payment does not match my original note agreement. I feel deceived and taken advantage of.

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 2026-06-02 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: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/XXXX, I rented a vehicle through XXXX ( Ref : XXXX ) from XXXX at XXXX XXXX, XXXX, charged to my U.S. Bank credit card. Within XXXX minutes, the first vehicle displayed critical dashboard warnings including " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' alerts at highway speed. The vehicle became undriveable and required emergency towing. Engine inspection revealed severe maintenance neglect. A replacement vehicle was provided the same evening. It immediately displayed four-wheel tire pressure warnings, making it also unsafe. I returned both vehicles XXXX days early on XX/XX/XXXX, with an official receipt from the rental company staff. I disputed the charges with U.S. Bank under XXXX XXXX. XXXX ( {$1600.00} ) and XXXX ( {$200.00} ). U.S. Bank applied a provisional credit of {$1600.00} on XX/XX/XXXX, then reversed it without explanation and closed both cases without reviewing my evidence. On XX/XX/XXXX, I submitted a formal dispute package via XXXX certified international mail ( XXXX XXXX. XXXX ), delivered to U.S. Bank XXXX XXXX on XX/XX/XXXX. U.S. Bank never acknowledged receipt or responded. I conducted multiple phone interviews with U.S. Bank representatives and provided full evidence including photos, videos, and documents. None of my evidence was ever referenced or evaluated. U.S. Bank transferred the account to XXXX XXXX XXXX XXXX for collection of {$2300.00} ( Ref : XXXX ) without resolving the dispute. XXXX has not provided Debt Validation as required under FDCPA. I have extensive photographic, video, and documentary evidence available upon request.

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 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: TX

Complaint narrative:
I took out a line of credit in XX/XX/year>, made payments. XXXX of which were returned, and in XXXX i paid off the balance in full with a {$700.00} debit card payment. Between then and now i have not taken out an advance on the loan and am now with a outstanding balance of {$310.00} of money i never used, touched, or seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am filing a complaint regarding Chimes handling of my debit card dispute for an XXXX reservation totaling {$360.00}. I booked an XXXX reservation and arrived at the property on the scheduled check-in date. Upon arrival, I discovered that the property was materially different from the listing and I did not feel safe remaining there. At approximately XXXX XXXX, I immediately contacted the property manager through the XXXX platform to report the issues and explain that I needed to find alternative accommodations. The property manager informed me that someone would inspect the property the following morning. After the inspection, the property manager acknowledged my concerns but stated that they would not provide a full refund due to their cancellation policy. XXXX later offered only a partial refund, which I declined because I believed the property was not as described and qualified for a full refund. I then filed a dispute with Chime for services not as described. In support of my claim, I submitted a 23-page evidence packet containing screenshots of the XXXX listing, photographs of the actual property, communications with the property manager, communications with XXXX support, and additional supporting documentation. Chime denied my dispute. I appealed the decision and requested a review of the evidence I submitted. The appeal was also denied. My concern is that the dispute records and explanations provided to me do not appear to accurately reflect the evidence that I submitted. Despite providing a detailed 23-page evidence packet, I was not given a meaningful explanation addressing the evidence or explaining why my claim was denied. The documents I received also contain information that appears incomplete or inconsistent with the evidence I provided. I am requesting confirmation that my 23-page evidence packet was received and reviewed during both the initial dispute investigation and the appeal review. I am also requesting a detailed explanation of the basis for denying my claim and a thorough review of all evidence submitted. If the evidence was not properly reviewed or considered, I request that the dispute be reopened and reevaluated. Attached are copies of my dispute documentation, supporting evidence, and communications related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
my bank account was hacked and made the target of " pump and dump '' fraud, during a period family medical stress the bank closed the account with protected XXXX funds without the required 30 day written notice, and denied the mathematically impossible transfers were fraudulent when reported this has caused a slanderous risk factor preventing new accounts and also part time work of the type I am capable of their own statement proves at least XXXX regulation violation, the required 30 day notice of XXXX funds accounts the regulation : XXXX CFR XXXX ( c ) ( 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