vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
I have no account it XXXX to buy items and pay for them with a credit card. When I looked for my card it was in my bedside drawer and I went to use it i couldn't I called went through the bill and made a dispute. I was credited got a new card and move forward. Now the old charges are back. They are not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. $ 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have been paying XXXX XXXX XXXX $ XXXX for over two years. Over {$17000.00}. One credit card was settled My Barclayss account. I signed an agreement for this settlement amount. Shortly before the last payment was due to pay off the settled loan, Barclays sold the debt to a debt collector. The debt collector added {$3000.00} in interest to my debt and asked for over {$7000.00} more than the original settlement. The other account isa XXXX XXXX account that was never settled. I received a court summons. Missed my court date assuming after notifying XXXX right after being served. I trusted XXXX WOULD RESOLVE THIS ISSUE BUT THEY DID NOT. I AM NOW IN THE POSITION OF MY LOOSING

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 2026-05-18 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: FL

Complaint narrative:
The statement fails to reflect the methodical governance architecture and coordinated oversight processes that define my management practices, while disregarding my dependable accountability history. The explanation inaccurately depicts my organized framework.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In response to a solicitation and offer of bonus points and companion flight voucher from Bank of America, I applied for and received a XXXX XXXX XXXX. The promise of these rewards rewards were particularly valuable as they were to be used for a family wedding trip. On XX/XX/XXXX, I was informed that these benefits would not be available as originally offered due to XXXX XXXX bankruptcy. I was not given adequate advance notice of these material changes or an opportunity to cancel my card without penalty prior to the annual fee being charged. Under the Credit Card Act of XXXX card isssuers are required to provide at least 45 days notice before making significant changes to card terms or benefits. I believe the elimination of the advertised benefits constitutes such a change and I would request compensation to make me whole for the resultant loss.

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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Hatfield, Inc.
State: ME

Complaint narrative:
XX/XX/year> Withdrawal Debit Card GRID XXXX XXXX XXXX XXXX GETGRID.APP XXXX - {$10.00} XX/XX/year> Withdrawal Debit Card GRID * PYMNT XXXX GETGRID.APP XXXX XXXX They have refused to refund me. They find it acceptable to take out money when someone's external bank account is XXXX at the time they collect their payment. They said I gave them " authorization and approval '', however that is if I have money which i would have on XX/XX/year>. Going back and forth on the chat is no use and they keep talking in circles and point out the same things.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am filing this complaint against PNC Bank regarding a XXXX scam in which I lost {$620.00}. I was the victim of a fraudulent scheme in which I was deceived into sending money via XXXX. After discovering the scam, I contacted PNC Bank to dispute the transactions and request reimbursement. PNC Bank denied my dispute, citing XXXX XXXX user agreement as the basis for their decision. However, I believe this denial is improper for the following reasons : 1. Under the Electronic Fund Transfer Act ( Regulation E ), consumers are entitled to protections against fraudulent electronic transactions, and a user agreement can not override federal law. 2. In XXXX, major banks participating in the XXXX network including PNC agreed to expand reimbursement policies to cover consumers who were deceived into sending money through scams ( authorized push payment fraud ). My case falls within this category. 3. PNC Bank has not conducted a thorough investigation and is relying solely on a blanket user agreement denial rather than evaluating the merits of my fraud claim. I am requesting that the CFPB investigate this matter and require PNC Bank to comply with Regulation E and its obligations under the expanded XXXX reimbursement policy. I am seeking a full reimbursement of {$630.00} I have documentation of the fraudulent communications and transaction records available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
RE : Formal Complaint Inaccurate and Unverified Credit Reporting by XXXX XXXX XXXX I am submitting this complaint regarding inaccurate, inconsistent, and unverifiable credit reporting associated with my XXXX XXXX XXXX account. After submitting a formal dispute and subsequent Method of Verification request pursuant to the Fair Credit Reporting Act ( FCRA ), I received a response that failed to provide the required verification procedure under 15 U.S.C. 1681i ( a ) ( 7 ). Instead of identifying : - the method used to verify the account, - the documents reviewed, - the individual or department that conducted the verification, - or the basis for continued reporting of the disputed balance, the company merely provided a revised tradeline summary containing materially altered account information. During the investigation process, multiple key account fields changed, including but not limited to : - High Credit amount changed from {$36000.00} to {$27000.00} - Date Major Delinquency First Reported was removed entirely - Additional narrative codes were added after the dispute investigation These material changes strongly suggest that the information being reported was not properly verified before or after the investigation. Additionally, XXXX XXXX XXXX continues reporting : - a charged-off account, - a remaining balance of approximately {$9300.00}, - and a charge-off amount of {$27000.00}, without providing sufficient documentary evidence supporting the alleged deficiency balance. To date, I have not been provided : - a complete payment history/ledger, - repossession or voluntary surrender documentation, - notice of sale, - sale proceeds documentation, - deficiency calculation records, - or documentation showing how the remaining balance was determined. I believe the furnisher and/or credit reporting agency failed to conduct a reasonable investigation as required under : - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681i - 15 U.S.C. 1681s-2 ( b ) The response I received appears to be nothing more than a parroting of disputed information rather than an independent and reasonable reinvestigation. I respectfully request : 1. Immediate deletion of the inaccurate and unverifiable tradeline ; OR 2. Full documentary verification supporting all reported balances, payment history, delinquency data, and charge-off calculations ; 3. A complete description of the reinvestigation procedure used pursuant to FCRA 1681i ( a ) ( 7 ) ; 4. Identification of every party, system, and document relied upon during verification. I have retained copies of my disputes, certified mail receipts, and investigation responses documenting these inconsistencies. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I dont know wheere this company got the ide thaT I somehow owe XXXX XXXX that is inaccurate and a RED FLAG because I just switched over to XXXX XXXX 2026 and All bills are paid This debt is reporting on all XXXX CREDIT REPORTING AGENCIES AND NEEDS TO BE stopped Date of XXXX delinquency is incorrect. This MUST BE A MIXED DEBT OR PAST XXXX - I JUST GOT XXXX IN 2026 I HAD BOOST MOBILE FOR 15 YEARS PLEASE SEND DOCUMENTATION FOR VERIFICATION BUT NOT BEFORE YOU DELETE THIS ERRONEOUS UNVERIFIED DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express recently reduced the credit limit on my account ending in XXXX. This action caused a significant negative impact on my credit score due to increased utilization, despite my history of ontime payments and stable income. I did not receive a legally required Adverse Action Notice, as mandated under the Fair Credit Reporting Act ( 15 U.S.C. 1681m ) and the Equal Credit Opportunity Act ( 12 C.F.R. 1002.9 ). American Express has not provided : The specific reason for the credit limit decrease The credit bureau or data used Any riskbased factors or credit score information A clear explanation that complies with federal law When I contacted American Express, I was given vague statements such as internal risk model or business decision, which do not meet the legal requirement for a specific, actionable reason for adverse action. I am requesting the XXXX assistance to ensure American Express : Provides the full Adverse Action Notice required by law Discloses the specific factors used in the decision Confirms whether the decision was based on inaccurate or outdated credit report information Reconsiders the credit limit decrease if it was based on incorrect or incomplete data I am seeking transparency and compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account was opened without I, XXXX XXXX knowledge, authorization, or consent while I was incarcerated. Documentation was submitted to the company proving my incarceration during the time the account was opened, including identity theft documentation and supporting records. A police report was also filed regarding the fraudulent use of my identity. Despite receiving this information, the company continues to claim the account is valid and has failed to provide sufficient proof that I personally applied for or authorized the account. I requested copies of the original signed application, authorization documents, identity verification records, and any evidence showing how the account was opened, but the information provided does not prove that I knowingly opened or benefited from this account. This account is the result of identity theft, and I am requesting immediate removal of the account and correction of all related credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I pay my life insurance through my bank. I notice my account over drawn. I call my XXXX XXXX and act they get the payment and if they did could they send me a copy. They sent me a cop showing that they did receive they payment on XX/XX/XXXX. I I checked my statement and I see every payment for 3 months except the XX/XX/XXXX payment. That was really odd. Because I have receipts for my insurance company showing that they did receive their money on the XXXX. Every month the payment go through with no problem but they pick XXXX to tell me that the money was not in my account when I know it was I set these payments up according to my pay. The bank says they don't see no record of the payment. That's odd because I have every month on there except XXXX things seem really crooked to me They need to be investigated. If I set up a payment for that day I expect for it to get paid that day not for them to tell me that they didn't pay it and now it's a whole another week later and they're looking to take the money for me.

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 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
b'On Thursday, XXXX XXXX XXXX, I made a manual electronic payment of $XXXX to satisfy my monthly loan balance with PNC, which was due on Friday, XXXX XXXX XXXX. This manual payment was successful, and my monthly obligation was fully satisfied ahead of the due date.\n\nDespite the balance already being paid and settled, the bank\'s internal automated system triggered a duplicate automatic debit for the exact same amount. This erroneous, duplicate transfer immediately withdrew funds from my checking account, plunging it into a negative balance.\nI contacted the bank immediately to report the error and request an administrative void or correction. Because this is an internal loan handled entirely within the same financial institution, the duplicate error is transparent and immediately verifiable on the bank\'s own internal ledger.\n\nThe bank has refused to perform a real-time administrative correction. Instead, representatives stated the only option is to process the issue as an "Insufficient Funds Reversal" on my end in the mobile app.\nForcing an erroneous, bank-caused duplicate payment to process as an "insufficient funds" return creates a false record of my financial behavior, threatens my account standing, and risks automated penalty fees through no fault of my own.\n\nAs of today, Monday, XXXX XXXX XXXX, the funds have still not been returned, and my account remains in the negative due to the bank\'s refusal to immediately correct their own systemic error. This constitutes an incorrect electronic fund transfer under federal Regulation E (12 CFR 1005.11).\n\nI spoke with 6 people between XXXX XXXX & XXXX XXXX\n\XXXX supervisor XXXX was the most unprofessional experience--- rude and over talked me --- did not provide the names of employees spoke with, said he didn\'t and couldn\'t have the information at fingertips , put me on hold again and then just let me hangout on hold. \XXXX- XXXX 1 hour -requesting the names of people spoke with \XXXX- XXXX - incoming- department of XXXX- asked if I was filing complaint and said he would expedite request/complaint\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Since XXXX, I have asked that the lender pay the outstanding insurance bill from escrow funds, as per the agreement. I emailed them but didn't hear back. I called a few times and was told the loan for that particular asset was sold, with no other information other than to write emails. Tax documents also showed a decrease of assets from XXXX to XXXX but I have not details of the sale or any information. I ended up paying the insurance out of pocket while they continue to collect money for escrow. They are refusing to pay me or reach out to my insurance carrier ( XXXX ), which has also provided proof of insurance. This is the XXXX time they have held my funds for XXXX months or longer and require tons of work before finally releasing the funds. This is very exhausting and costly, and this is a common tactic for the services if you look online at their reviews. They have yet to reimburse me for my funds and continue to give me the runaround. I need my money and compensation for the additional costs I've incurred.

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 2026-05-18 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 believe I am a victim of identity theft. A single account is being reported under my name without my authorization, knowledge, or consent, and I have never opened, managed, or been associated with this account in any way. This unauthorized account is creating inaccurate and misleading information on my credit report and raises serious concerns regarding the misuse of my personal information and identity. I take my credit profile very seriously, and discovering an account that does not belong to me has caused significant stress, XXXX, and concern about the security of my financial history.

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 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because there are hard inquiries on my credit report that I do not recognize and did not authorize. I regularly monitor my credit because it is important to me to maintain good financial standing. When I recently reviewed my credit report, I noticed several companies had checked my credit even though I never applied for anything with them. I did not request credit from these companies and I did not give permission for my credit report to be accessed. Because of this, I believe these inquiries may have been made without a valid reason or without my consent. These inquiries are negatively affecting my credit score and creating unnecessary stress. I simply want my credit report to reflect accurate information related only to transactions that I personally initiated. I am asking for help to ensure these inquiries are properly investigated and removed if they can not be verified as authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: MI

Complaint narrative:
During a servicing transfer, my servicer placed my loans into forbearance from XX/XX/year> through XX/XX/year> without my knowledge or consent. The servicer has since acknowledged this was the result of a system error on their end. During this XXXX-month period, interest accrued on my loans without my awareness. I was unable to make normal payments toward principal because only some of my loan groups were marked as due, which masked the full extent of the issue. When I requested that the servicer reverse or credit the interest that accrued as a result of their error, they refused, stating that interest " accrued normally '' and could not be reversed. I am requesting that the CFPB require the servicer to provide a full accounting of the interest that accrued during this period and to reverse or credit the interest that accrued as a direct result of their system error.

Company response to consumer: Closed with explanation