vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a complaint against American Express regarding an account that appears on my credit reports. I dispute this account and assert that American Express has repeatedly contacted me via email, despite my requests to cease communications. I have documented proof of these contacts.

These actions violate the Fair Debt Collection Practices Act ( FDCPA 1692c ( b ) ), which prohibits communication with unauthorized parties or repeated harassment, and potentially violate the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 1681e ( b ) ) by reporting inaccurate or unverifiable information to credit bureaus. 

I request that the CFPB investigate this matter and direct American Express to : Immediately cease all electronic communications regarding this account. 

Verify the account with all credit bureaus ( XXXX XXXX XXXX, and XXXX ). 

Remove the account from all credit reports if verification can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have Citibank credit card. I received text message twice at same time on XX/XX/year> about suspicious transaction attempt from Citibank on my registered mobile number stating " we Declined {$500.00} at XXXX * XXXX on XXXX your card may be restricted until we hear from you. '' I was asked to verify the transaction. I checked my account and found XXXX transaction {$1000.00} at XXXX XXXX and {$52.00} at XXXX from authorized user card named on my wife XXXX XXXX. I called Citibank fraud department immediately and reported about it. Citibank cancelled the card and opened an investigation. After about XXXX weeks Citibank declined fraud claim and stating that I XXXX used this card at these stores and it might have been cloned. I mentioned that neither me nor the authorized user ever used these cards at these stores. Most importantly, authorized user, my spouse XXXX XXXX, on which fraud transaction happened never ever used card physically to any merchant. Also even myself as primary cardholder used the card physically more than XXXX months back at different merchant. I requested the Citibank to verify this information in their system. Also if I didn't authorize the suspicious transaction activities then why was it approved. But Citibank didn't provide any definitive response for it.

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 2026-01-07 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: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2026-01-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and a permanent resident of California. I am writing to file a formal complaint regarding identity theft, unauthorized transfers, and the ongoing dispute between Bank of America and XXXX XXXX, who are shifting responsibility to each other and leaving me without resolution for over XXXX months. 

On XX/XX/XXXX, I traveled to XXXX to visit my elderly parents. While I was outside the United States, criminals stole my identity and committed fraud involving my XXXX XXXX  Certificate of Deposit ( CD ) account. 

On XX/XX/XXXX, in a single day, the criminals executed XXXX ( XXXX ) unauthorized transfers of {$9000.00} each, totaling {$99000.00}, from my XXXX XXXX XXXX account without my knowledge or authorization. 

These funds were transferred as follows : XXXX ( XXXX ) transfers totaling {$54000.00} were sent to my Bank of America account ending in XXXX. 
XXXX ( XXXX ) transfers totaling {$54000.00} were sent to a new Bank of America account ending in XXXX, which was fraudulently opened in my name by the criminals on XX/XX/XXXX. 

Bank of America has already reimbursed the funds stolen through my legitimate account ending in XXXX. 

However, the remaining funds taken from the fraudulent account ending in XXXX remain unresolved. 

On XX/XX/XXXX, I contacted XXXX XXXX to formally submit a fraud claim for the remaining loss. On XX/XX/XXXX, during a visit to a Bank of America XXXX, a XXXX XXXX representative named XXXX  informed me that my claim was denied and that Bank of America should be responsible for reimbursing the remaining amount. 

On XX/XX/XXXX, I contacted Bank of America and requested that they reopen the investigation. On XX/XX/XXXX, Bank of America informed me that all funds transferred out of the fraudulent account ending in XXXX should be reimbursed by XXXX XXXX, not Bank of America. 

As of today, both institutions are refusing responsibility and shifting liability to each other. All of these transactions occurred without my authorization, knowledge, or consent while I was abroad. More than XXXX months have passed, and I remain without a final resolution. 

I am extremely distressed and feel powerless as a consumer. I trusted these financial institutions with my life savings, yet I am now left caught between them with no clear path forward. 

I respectfully request the CFPB assistance in investigating this matter and helping to ensure that the responsible institution fulfills its obligation to reimburse my losses caused by identity theft and unauthorized transactions. 

Thank you very much for your time and assistance. 

Sincerely, XXXX XXXX XXXX, California

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sunbit, Inc.
State: TX

Complaint narrative:
I called the Sunbit Customer service number tonight XX/XX/year> ( XXXX ) to troubleshoot my Credit Card available balance which turned out to be {$150.00}. This agent from an XXXX company stated my card was blocked and I needed to verify my information. 
SHE MADE ME VERIFY EVERY ITEM ON MY CREDIT REPORT : Last XXXX addresses, profession, social security number, telephone numbers. 
This aged in a foreign country should not have access to my CREDIT REPORT, I already have the card so this is illegal. This is how people 's ID get STOLEN.

After all this verification, she still would not release the HOLD on my card.

I told her that no other credit card company HAS EVER asked me to verify information on my credit report? 
I've been paying on the card for XXXX YEAR!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Valon Technologies, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this follow-up to my existing CFPB complaint regarding mortgage servicing misconduct by XXXX and Valon.

Since filing my complaint, Valon has issued an executive office denial that failed to address the core issues raised. Specifically : My loss mitigation appeal was not responded to within the required timeframe Valon did not cure or explain the missed appeal deadline The denial relied on inaccurate or incomplete prior-servicer reporting XXXX failed to provide a complete servicing and loss mitigation file I was locked out of payment access while the loan was placed into foreclosure status, contributing to alleged delinquency Despite escalation, these issues remain unresolved, foreclosure risk continues, and no corrective action has been taken. 

I am requesting CFPB review of : Appeal handling and deadline compliance Reliance on inaccurate prior-servicer reporting Payment access restrictions during foreclosure status Failure to provide complete servicing records Please add this follow-up to my existing complaint file for continued review. 

Sincerely, XXXX XXXX XXXX, Ohio Loan numbers on file

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing regarding an account with Midland Credit Management reported on my credit report. I never opened this account, never signed any agreements, and do not owe any debt to your company. It appears that this account may have been fraudulently opened or sold to your company without my authorization.

Pursuant to the Fair Credit Reporting Act ( FCRA 1681i & 1681e ( b ) ), consumer reporting agencies and furnishers must ensure that all information is accurate, complete, and verifiable. Since I did not open this account, it is inaccurate and must be removed from all credit reports.

I request the following : Immediate closure of this account.

Removal from all credit reporting agencies ( XXXX XXXX XXXX XXXXXXXX ). 

Written confirmation that the account has been closed and deleted from my credit reports. 

Enclosed are copies of my identification and proof of address to assist with verification. I also request that any future communication regarding this account be halted immediately, as I have no relationship with Midland Credit Management.

Failure to comply with this request may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other remedies available under federal and state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Portfolio Recovery Services XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Re : Account Number Ending in XXXX To Whom It May Concern, This letter is to formally notify you that I am requesting you * * cease and desist all communication * * with me regarding the above-referenced account.

Pursuant to my rights under the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) * *, I am exercising my right to request that you stop all contact with me regarding this alleged debt. This includes, but is not limited to, communication by phone, mail, email, text message, or through third parties.

You are only permitted to contact me in the future for one of the following reasons : 1. To confirm that you will comply with this request and cease further communication ; or 2. To notify me of specific legal action you intend to take.

This letter is * * not an acknowledgment of liability * *, nor is it a promise to pay. I dispute this debt in its entirety.

Any continued communication from your organization that does not comply with the law may be documented and used as evidence of violations of federal and/or state law. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint against the U.S. Department of Education/Advantage for inaccurately reporting multiple late payments on my consumer credit file without providing proper verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I formally disputed the late-payment history reported on the referenced accounts for the specified months and requested confirmation of how these alleged delinquencies were calculated in relation to the account balances and statuses at the time. To date, Advantage has failed to provide competent evidence, complete payment histories, or documentation demonstrating that these late payments were accurate, timely, and legally reportable. Reporting unverified or improperly calculated late payments is materially misleading and has caused ongoing harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I sent Midland Credit Management , Inc. a formal Cease and Desist and Debt Validation Request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communication stop and that the alleged debt be properly validated.

Despite this lawful request, the company has continued collection efforts and or failed to provide proper validation as required by law.

Under 15 U.S.C. 8 1692c ( c ) and 1692g, Midland Credit Management is required to cease communication and collection activity once such a request is made. 
I am requesting that the CFPB investigate this matter, require compliance with federal law, and take appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I got a new policy in XX/XX/XXXX but was billed till XX/XX/XXXX. I requested for adjustment of the due amount, but the company never adjusted and sent my debt to collection services. Now they are sending a reminder to pay XXXX dollars which I don't owe. 

PS : I already shared the proof of insurance in my previous quote, but the company is still asking for the same. Attaching it again for your reference. 

Reference to my old complaint : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I submitted a written Fair Credit Billing Act dispute letter via certified mail, which USAA received on XX/XX/XXXX. The letter cited 15 U.S.C. 1666, specifically, " failure to properly reflect a credit to an account '' ( USAA ultimately only posted {$550.00} worth of a {$750.00} payment that I made to my account on XX/XX/XXXX ), and requested immediate posting of a temporary {$200.00} credit pending investigation, along with written acknowledgment. To date, I have received no written acknowledgment of the dispute. During previous/subsequent phone calls in late XX/XX/XXXX, a USAA representative verbally promised that a temporary {$200.00} credit would be posted " in a few business days '' and that a written acknowledgment and opening of the dispute would be sent. On XX/XX/XXXX, I received a callback voicemail from a USAA representative ( ultimately transferred to an employee name XXXX, USAA employee # : XXXX ) who stated that my request for the {$200.00} credit was denied. He was unable to provide a reason, nor a dispute reference or case number, and could not escalate the call. He stated someone would call me back regarding the dispute but provided no timeline. As of XX/XX/XXXX, no temporary {$200.00} credit has been posted to the account, no written acknowledgment has been received, and no reference number has been provided despite the dispute letter being received over two weeks ago on XXXX XXXX, XXXX. In addition to the aforementioned " failure to properly reflect a credit to an account '', I believe this violates the Fair Credit Billing Act requirements for timely acknowledgment, investigation, and restrictions on collection/reporting of the disputed amount. I am seeking posting of the {$200.00} corrective credit to my account, removal of any related finance charges or interest ( if any ), and proper written, timely explanation of the investigation outcome. Although I have engaged in good faith with USAA as a customer since XXXX, including in this latest issue/problem, throughout this process, USAA has not been acting in good faith and has engaged in repeated delays and avoidance : multiple phone calls with long holds and dropped connections in XX/XX/XXXX ; verbal promises of a temporary credit and written acknowledgment that were never fulfilled ; refusal to provide a dispute reference or case number ; inability or unwillingness to escalate the call to a supervisor ; and vague promises of a callback with no specified timeline. This pattern of unresponsiveness and obstruction has prevented timely resolution and appears designed to discourage pursuit of my valid Fair Credit Billing Act rights. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am filing this complaint against the U.S. Department of Education/Nelnet for failing to properly verify and accurately report alleged late-payment history on my federal student loan accounts ( Account numbers XXXX & XXXX ). Nelnet has reported continuous late payments for the periods of XX/XX/year> through XX/XX/year> and XX/XX/year> through XX/XX/year> without providing evidence that these delinquencies were accurately calculated or supported by internal payment records, account balance status, or loan servicing activity at the time of reporting. Despite my request for verification, Nelnet has not demonstrated how these late payments were determined or whether they comply with the Fair Credit Reporting Acts requirements for accuracy, completeness, and proper investigation. Reporting unverified and potentially miscalculated delinquencies is damaging to my credit profile and constitutes negligent and reckless furnishing of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
Got in a wreck, and had to be taken to the hospital. At the hospital, my card was taken from my wallet. Since my phone screen was destroyed in the crash, I couldn't use it while in the hospital. I couldn't get my screen fixed at XXXX  until the following Monday, meaning I couldn't see any of the fraudulent transactions throughout the weekend. As soon as I found this, I contacted cashapp, informing them of everything. I followed their procedure, literally step by step given to me by their " advocate ''. I also explained that I could not verify my identity because even though I had my physical driver 's license on me it had expired shortly before that and their system would not accept it it simply rejected it. After explaining that part to them the so called advocate had me go through a certain procedure of steps that they knew would flag the account to be able to not have to pay out any of the claims. I have screenshots the entire conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to withdraw cash from a XXXX  ATM. The first transaction resulted in an error message and no cash was dispensed. I then attempted the withdrawal a second time, which completed successfully and dispensed cash once. 

My account was charged twice for the same withdrawal amount ( {$63.00} each, including ATM fee ) on the same day, at the same ATM location. I only received cash one time. 

I disputed this transaction twice with USAA and clearly explained that the first ATM attempt failed and did not dispense cash. Both disputes were denied despite this being a cash not received error and a same day, same location duplicate charge.

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