vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, an unauthorized wired transfer was made against my savings account, When i received the verification code to " proceed '' with transfer, I immediately called the financial institution ( Wells Fargo ) and informed them that I did not request nor authorize and type of wire transfer to this particular company XXXX XXXX XXXX, XXXX ). The individual i spoke to immediately report this to the Wells Fargo Internet Fraud division and transferred me to that group to speak with a specialist. The specialist immediately code my existing saving 's account and opened another one, with a new account number. Unfortunately the funds had already been transferred from my account because Wells Fargo claimed that I had responded to the digital confirmation that was sent to my wireless device ( cell phone ). I believe that someone or some type of " cloning '' device was used to spoof my cell phone and send the approval code fraudulently. That's the reason that I called the bank immediately to prevent that transaction from being processed, but the funds had already been stolen. I received a letter form Wells Fargo on XX/XX/year> that the investigation was complete and I would not be getting reimbursed for the {$9900.00}. I would like to file a formal complaint against Wells Fargo for their complete lack of concern for a loyal customer of over 30 years. Someone spoofed my wireless device behind their firewalls and they are taking XXXX responsibility.

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 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Paid for translation of documents they requested. Certified the documents they requested. No one is replying to me where should I be sending these documents, I keep leaving voicemails. My check will expire and I will lose my funds.

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 2026-05-28 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-05-28 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: Kriya Capital, LLC
State: NC

Complaint narrative:
On XX/XX/year>, I received the results of a dispute I had filed with XXXX regarding a collections account reported by Credence Resource Management LLC for an XXXX XXXX XXXX account allegedly opened on XX/XX/year>. XXXX completed its investigation, contacted both XXXX XXXX XXXX and Credence Resource Management LLC to verify the account, and the result was DELETED. The account was removed from my XXXX credit report. I have an active credit freeze with all three major credit bureaus. An account could not have been legitimately opened under my identity on XX/XX/year>. On XX/XX/year>, one day after XXXX deleted the account following verification with Credence Resource Management LLC, Credence Resource Management LLC filed a report for the same account with XXXX. I have since disputed the account with XXXX. Credence Resource Management LLC is refusing to confirm to XXXX that the account is fraudulent, despite having already confirmed this to XXXX, which resulted in the account 's deletion. I have never had an account with XXXX XXXX XXXX, never authorized one, and never approved one. The same collector that confirmed fraud to one bureau is now actively refusing to do the same with another bureau for the identical account. I am requesting that the CFPB require Credence Resource Management LLC to immediately delete this account from my XXXX credit report and cease all collection activity on this fraudulent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Research Inc
State: AL

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of my student loan account across XXXX XXXX XXXX XXXX I have identified multiple discrepancies between all three credit reporting agencies, including different : * balances owed, * due amounts, * payment statuses, * delinquency dates, * and last payment dates. The information being reported is not consistent, which raises concerns regarding the accuracy of the furnished information. I have repeatedly requested documentation and verification supporting the reporting, including confirmation of the delinquency timeline and repayment history, but I have not yet been provided with sufficient proof or account validation. Additionally, this account appeared on my credit reports after servicing/payment handling transitioned to CRI. During that time, I did not receive clear communication or advance notice regarding the reporting changes or repayment expectations. Due to a prior compromise involving my Social Security number and a security freeze placed on my credit reporting, I initially could not determine whether the account activity was legitimate or potentially fraudulent. I later contacted XXXX XXXX XXXX XXXX directly, and they confirmed that CRI is a legitimate furnisher. Once that was confirmed, I became willing to discuss repayment options and resolving any valid current balance. I am concerned about the reporting accuracy and timeline because the account appears to have progressed directly to severe delinquency reporting without any prior reporting of 30-day or 60-day late payments. The reporting appears abrupt and inconsistent with normal progressive delinquency reporting practices. This reporting significantly impacted my credit rebuilding efforts and financial standing. I am requesting : * A full investigation into the accuracy of the furnished information * Verification of all reported balances, due dates, delinquency dates, and payment history * Verification of the dates and methods of all notices allegedly sent * A complete payment and account status history * Correction or removal of any inaccurate, unverifiable, or inconsistently reported information * Review of whether the reporting complied with Fair Credit Reporting Act obligations for accuracy and completeness I am attempting to resolve this matter in good faith and am willing to discuss reasonable repayment arrangements on any properly verified balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NH

Complaint narrative:
I am submitting this complaint regarding a collection account being reported and collected by National Credit Systems. I vacated the residence associated with the alleged apartment/housing debt on or before XX/XX/XXXX. Documentation from my subsequent residence confirms a move-in date of XX/XX/XXXX. In XX/XX/XXXX, the collection account first appeared on my credit reports. Prior to the account appearing, I did not receive billing statements, itemized move-out charges, validation documents, or requests for payment regarding the alleged debt. To this day, I still do not know the specific basis of the alleged balance, including whether the claim relates to unpaid rent, damages, fees, or other charges. In XXXX, I attempted to dispute the account online with XXXX. The dispute was quickly auto-verified. At that time, I was unfamiliar with the formal debt validation process and my rights regarding debt validation and supporting documentation. On XX/XX/XXXX, I sent two written debt validation requests via certified mail to the two mailing addresses listed for National Credit Systems requesting documentation supporting the alleged debt, including itemized charges, move-out accounting, and proof of responsibility for the balance. One certified mail debt validation request was confirmed delivered and received on XX/XX/XXXX. The second debt validation request was returned as undeliverable. Documentation supporting both is attached. Despite these written requests, no meaningful debt validation or supporting documentation was provided. In early XX/XX/XXXX, I submitted disputes regarding the collection account to XXXX, XXXX, and XXXX. On XXXX XXXX XXXX, the credit bureaus responded to the disputes and verified the account despite the absence of meaningful debt validation or supporting documentation being provided in response to the written validation requests. The collection account continues reporting despite unresolved validation concerns and disputed accuracy. I am requesting a proper investigation into this matter and correction or removal of any information that can not be properly validated or documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
According to 15 USC 1692 c you have violated my rights by in unlawful communication please remove this collection from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am a resident of California, filing a formal complaint against Jefferson Capital Systems regarding the XXXX XXXX collection account they are furnishing on my Experian credit report ( Reference File : XXXX ). A review of my credit file as of XX/XX/year>, shows that Jefferson Capital Systems is systematically rolling over and updating the " Balance Updated '' field to XX/XX/year>, on this historical collection account. This deliberate electronic manipulation tricks automated FICO scoring algorithms into interpreting an old default as a brand-new, active delinquency, causing ongoing and severe damage to my credit score. Under California Civil Code 1785.25 ( a ), a data furnisher is strictly prohibited from submitting credit information if they know or should know that the data is misleading, incomplete, or inaccurate. Artificially re-aging the update dates to weaponize a historical collection is a flagrant violation of California state compliance laws. I am not seeking an automated " verification '' loop where this company simply clicks a button to verify their own flawed data. I am demanding that Jefferson Capital Systems review this file, cease this deceptive reporting stream immediately, and completely delete this collection trade line from XXXX XXXX XXXX XXXX. If this unverified, manipulated data is not permanently deleted, I will escalate this matter to a formal statutory lawsuit in a California court to pursue punitive and statutory damages under the CCRAA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is no legitimate connection between me and these accounts ; remove them within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Company provided bills that were racked up by the person that was stealing my identity but nothing that tied me to the debts that she was incurring for which I am not responsible for. I am a victim of identity fraud. A person or persons have created a false social security card with my name on it and a fake Texas drivers license with my name and their likeness. They have been renting multiple residences throughout the XXXX, XXXX, XXXX and surrounding Texas area. I have never been to nor do I know anyone in the state of Texas and have no association with any of these people and have not given any of them my consent or personal identification information. They have repeatedly attempted to open bank accounts, credit accounts, service accounts for phones and cable and loans. Upon notice of these events, I immediately took action and notified the management companies of the occupied properties and notified the police and I have made a police report in both XXXX Texas ( police report TX XXXX XXXX XXXX ( XXXX ) XXXX ) and New York ( police report XXXX XXXX ) where I have reside and am domiciled all my life. I have notified this debt collector that I am a victim of identity theft offered to provide the police report details and that the person that they rented to has an open warrant for arrest. I also said that their are alerts of this type of identity theft on my credit report for years that should have alerted them to the crime. They threatened to place the {$7800.00} debt on my credit report. I told them that I had previously reported the identity fraud to the FTC and they said I had to fill out a fraud report giving them access to an abundance of my personal identification information that they currently do not have access to. That is a violation of my rights and they threatened to place this debt on my credit report if I do not comply. The debt collector is FCO Fair Collections & Outsourcing Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference XXXX for XXXX XXXX XXXX suing for XXXX XXXX XXXX XXXX, TX 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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing this complaint regarding a fraud situation involving my bank account. I was the victim of a scam in which I was sent XXXX fraudulent checks of {$400.00} and instructed to deposit them on XXXX XXXX of this year. At the time, I believed the checks were legitimate. After depositing them, I was directed by the scammer to transfer funds to other accounts. I did not use or benefit from any of the money for personal use. All transfers were made under false pretenses as part of the scam. When the checks were later identified as fraudulent, my account became overdrawn. On XX/XX/XXXX I received an email from my bank explain that my accounts were restricted to protect them against potential fraud. That was when I noticed I couldn't access my chase mobile app and called to speak with a representative to get this resolved. On XX/XX/XXXX I went in person into a branch to talk about my situation to see what action could be taken. I was still confused so when i left i called the fraud number to see what could be done. They explain I would have to pay the negative balance because there isn't a protection against scams. Despite explaining the situation to my bank, I was told that they do not offer protection against scams and that I am responsible for the full negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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:
To whom it may concern, I was a victim of identity theft a few years ago so I check my credit ever so often, upon checking I saw a collection from PORTFOLIO RECOVERY, I sent a formal debt validation request asking for the original creditor details, itemized accounting, verification of liability, collection authority, and account history. Up to this date I have not received any communication showing anything I asked for, this collection agency has failed to provide competent verification of this debt but continues to report this unverified negative information to my credit file. Under 15 U.S.C. 1692g of the FDCPA, the collector is required to cease collection activities until verification is provided. I am requesting that the CFPB investigate this company 's non-compliance with federal law and compel them to validate or delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 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: Chime Financial Inc
State: CA

Complaint narrative:
Hello my account was unauthorized transaction at a place called XXXX XXXX. The debit charges were for at first XXXX which the company gave me back but another transaction at the same time same location was for XXXX $ its been denied for two months they say the send me their investigation reason and never do ive shown them proof of my location in all sort of ways by documents their arent trying to help resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
This is a follow-up to a CFPB complaint submitted on XX/XX/XXXX. Aidvantage responded on XX/XX/XXXX but did not resolve or directly address the complaint. Aidvantage 's response consisted entirely of generic servicer transfer policy explanations and did not investigate the core issue. I hold XXXX XXXX XXXX currently serviced by Aidvantage. These loans were previously serviced by XXXX. My XXXX file downloaded from XXXX shows XXXX previous loan servicers on record, despite years of repayment history with XXXX. This is a data integrity failure in XXXX, not a display preference. Additionally, my consumer credit reports list these active federal loans but mark every monthly payment entry prior to XXXX with an Unknown indicator. This suggests the XXXX payment data was either not transmitted, not mapped correctly, or not tagged to my account during the servicer transfer from XXXX to Aidvantage. Because of this data gap, I can not verify that the One-Time IDR Account Adjustment was calculated using my complete repayment history. If my XXXX payments were not properly recorded in XXXX, my IDR forgiveness timeline has been artificially shortened and I am not receiving credit for payments I legally made. Aidvantage 's response did not confirm whether my pre-2020 data exists in XXXX, did not provide a qualifying payment count per loan, and did not acknowledge the data transmission failure. I am requesting a direct investigation into whether my complete Navient-era payment history is accurately recorded in XXXX and was used in my IDR Adjustment calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To whom it may concern, I was a victim of identity theft a few years ago so I check my credit ever so often, upon checking I saw 2 collections from LVNV, I sent a formal debt validation request asking for the original creditor details, itemized accounting, verification of liability, collection authority, and account history. Up to this date I have not received any communication showing anything I asked for, this collection agency has failed to provide competent verification of this debt but continues to report this unverified negative information to my credit file. Under 15 U.S.C. 1692g of the FDCPA, the collector is required to cease collection activities until verification is provided. I am requesting that the CFPB investigate this company 's non-compliance with federal law and compel them to validate or delete this account.

Company response to consumer: Closed with explanation