vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies XXXX be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
PRODUCT : Bank checking account ISSUE : Bank of America is closing my account after XXXX years of perfect history and reporting me to XXXX XXXX a " fraudster '' based on XXXX disputed XXXX XXXX. I am the VICTIM of a serial fraudster, not a fraudster myself. TIMELINE : XX/XX/year> : I sold XXXX XXXX ( {$3300.00} ) on XXXX XXXX to " SavingsPro '' ( XXXX XXXX XXXX XXXX, XXXX ID XXXX ). Order # XXXX. XX/XX/year> : The fraudster made XXXX XXXX payments from XXXX DIFFERENT PERSONS I DO NOT KNOW : - XXXX - XXXX XXXX - {$1400.00} ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1900.00} - XXXX - XXXX XXXX - {$2000.00} Total received : {$5300.00} ( {$2000.00} overpayment ). XX/XX/year> : I refunded XXXX XXXX to XXXX. XX/XX/year> : My email was REMOVED from XXXX without authorization. I IMMEDIATELY called Bank of America ( XXXX ) and reported fraud. XXXX noted my account. XX/XX/year> : My email was removed from XXXX XXXX. XX/XX/year> : XXXX XXXX filed fraud claim with XXXX. XXXX reversed {$1400.00} from my account. XX/XX/year> : Bank of America notified me my account is being CLOSED. The pending debit of {$3400.00} is a CHECK for my remaining balance ( confirmed by BofA customer service ). My actual loss is {$1400.00}. CRITICAL : The fraudster " XXXX '' has XXXX other victims on XXXX ( XXXX : XXXX, lagabyesa, XXXX, XXXX, Beracoin, XXXX, XXXX, XXXX, Velizupll ). All describe SAME pattern : overpayment using third-party XXXX accounts XXXX receiving crypto, then fraudulent chargeback claims. REPORTS FILED : - XXXX XXXX XXXX XXXXXXXX - FTC : XXXX MY STATUS : - Bank of America customer for XXXX years - Never late on any credit card payment - No negative banking history MY REQUESTS : XXXX. Investigate BofA 's decision to close my account based on XXXX disputed transaction where I am clearly the victim. XXXX. Require BofA to CORRECT any negative report to XXXX from " fraud '' to " business decision. '' XXXX. Provide written documentation of what was reported to XXXX I am NOT a fraudster. I am a VICTIM of a serial fraudster.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

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 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding multiple servicing failures by XXXX XXXX XXXXXXXX, including improper force-placed insurance charges, failure to respond to a formal Notice of Error under RESPA, and incorrect negative credit reporting. The issue originated during the transfer of my mortgage servicing in XX/XX/XXXX. XXXX, the previous processor applied lender force-placed insurance charges for XXXX and XX/XX/XXXX, despite the fact that I had valid homeowners insurance coverage during this entire period, before transferring the loan to Valon. I provided proof of insurance in XX/XX/XXXX. Valon acknowledged receipt of this documentation and issued a written acknowledgment dated XX/XX/XXXX confirming that the proof was received. Despite this, the charges were not removed. On XX/XX/XXXX, I submitted a formal Notice of Error under RESPA ( Real Estate Settlement Procedures Act ), including supporting documentation. A certified copy of the notice was also mailed to Valon. However, Valon has failed to provide a formal response within the required timeframe and has not resolved the issue. Instead of correcting the known error, Valon reported my account to the credit bureaus as 30 days late on XX/XX/XXXX. This reporting is inaccurate and inappropriate because the balance in question is the result of a disputed servicing error. This incorrect reporting has negatively impacted both my and my wifes credit scores by approximately XXXX points. I have had more than 10 phone interactions with Valon. During calls on XX/XX/XXXX and XX/XX/XXXX, their representative ( XXXX ) confirmed that : 1. The issue is internal between Valon and the prior servicer, XXXX 2. Funds related to the erroneous force-placed insurance charges are expected from XXXX within 710 business days ( latest by XX/XX/XXXX ) Despite acknowledging that the issue is not caused by me and is still under internal resolution, Valon proceeded to report a delinquency to the credit bureaus. This is improper and has caused significant harm to my credit profile. Valon acknowledged receipt of my insurance proof but has failed to remove the charges. They have repeatedly stated over phone calls that the issue is escalated and pending resolution with the prior servicer, but no action has been taken. Instead, they reported a delinquency to credit bureaus. This issue has been ongoing for more than 60 days despite repeated follow-ups and submission of required documentation. The error is acknowledged but not corrected. How this is impacting me and my wife : 1. Negative impact of XXXX points on my and my wifes credit scores 2. Significant time spent ( 10+ calls over 60+ days ) attempting to resolve the issue 3. Ongoing inconvenience, disruption, and stress due to incorrect billing and credit reporting 4. Potential impact on my ability to access credit at favorable terms

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I took out the loan from River Valley because I was in desperate need. The loan pay off timeline is egregious and unfair. I took out the loan for XXXX and the payback is close to XXXX dollars. This is unfair. I have no problem paying loans that are fair. But the payment is so much. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/year>, I received an email from MOHELA stating that my federal student loan account was more than 60 days past due and that I had missed two due dates. I dispute this delinquency status, or at minimum believe MOHELA has failed to provide enough information to justify it. The notice did not clearly explain the amount allegedly due, the due dates MOHELA says I missed, how the delinquency was calculated, whether any repayment plan, deferment, forbearance, administrative status, or pending servicing issue affected the account, or whether MOHELA reported or intended to report negative information based on this status. My complaint is that MOHELA provided inaccurate, incomplete, or inadequately explained information about my federal student loan account. A federal loan servicer should be able to clearly identify the billing history, payment status, repayment plan or forbearance status, and the exact basis for any delinquency designation. Instead, I received a past-due notice without sufficient detail to verify whether it is correct. I am asking for a formal review of my account and written validation of the alleged delinquency, including a full explanation of how MOHELA determined that I am more than 60 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Credit Collection Services regarding a collection account that was placed on my credit report without any prior notification, and that appears to contain multiple reporting inaccuracies. In [ month/year you discovered it ], I discovered a collection account from Credit Collection Services on my XXXX credit report for {$320.00}, listinXXXX XXXX XXXX XXXX as the original creditor. This was the first and only notice I ever received about this alleged debt. Prior to its appearance on my credit report, I received : No validation notice ( required within 5 days of initial communication under 15 U.S.C. 1692g of the FDCPA ) No letters No phone calls No emails No communication of any kind The underlying XXXX XXXX XXXX policy is approximately XXXX years old. I have not had an active policy with XXXX for roughly XXXX years, and I had no knowledge of any outstanding balance during that entire period. Upon discovering the collection, I immediately filed a dispute through the credit bureau. The collection came back as verified. Because I was not willing to let an unpaid collection continue to damage my credit while I investigated further, I paid the account in full on [ date of payment ]. Payment confirmation number : XXXX. Despite the payment, the tradeline continues to report inaccurately. As of the most recent credit report pull, the account still shows : Balance : {$320.00} XXXX XXXX : {$320.00} Status : XXXX This is factually incorrect the balance is {$0.00} and the account is paid. Additionally, the tradeline reports the account as Opened XX/XX/year>. The underlying debt is approximately XXXX years old. Reporting a collection with an opened date that misrepresents the age of the original obligation creates a misleading impression about when the debt became delinquent. Under XXXX XXXX. XXXX, the date of first delinquency on the original account not the date the collector acquired the file controls how long a collection item XXXX remain on a consumers credit report. I am requesting that CCS disclose the original date of first delinquency on the XXXX XXXX account. My concerns are : 1. CCS failed to provide the validation notice required by the FDCPA ( 15 U.S.C. 1692g ) before reporting this debt to the credit bureaus. 2. CCS is currently furnishing inaccurate information to the credit bureaus by continuing to report a {$320.00} balance and {$320.00} past-due amount on a paid account, in violation of the FCRA ( 15 U.S.C. 1681s-2 ). XXXX. The Opened XX/XX/year> date on a six-year-old underlying debt raises serious concerns about possible re-aging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am submitting a complaint regarding a private student loan issued by Sallie Mae while I was enrolled at XXXX XXXX of Art and Design. At the time I applied for the loan, I had no income, no savings, and was not a fully admitted degree-seeking student. I was enrolled as a non-degree/conditional student attempting to gain acceptance into a degree program, and I had already experienced academic instability, including failing and retaking courses. Despite this, I was approved for up to {$80000.00} in private student loans with a co-signer who already had existing debt. I believe this loan was issued without proper evaluation of my ability to repay and without adequate consideration of my actual academic status or likelihood of completing a degree program. Additionally, my co-signer has since paid approximately {$30000.00} toward this loan. I did not want my co-signer to take on this financial burden, as I was exploring potential relief or forgiveness options based on the circumstances of how this loan was issued. This payment represents a significant financial loss that has directly impacted my ability to continue my education. Given these facts, I am requesting a full review of the loan approval process, including the schools certification of my eligibility and the lenders underwriting practices, for potential irresponsible or predatory lending. I also request consideration of appropriate relief, including reimbursement or other remedies, due to the financial harm caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint Details : I am filing a formal complaint against Wells Fargo, N.A. for engaging in deceptive and unfair practices in direct violation of Section 1031 of the Consumer Financial Protection Act ( CFPA ). Wells Fargo has implemented an undisclosed and arbitrary internal policy that blocks Voice over Internet Protocol ( VoIP ) numbers, such as XXXX XXXX, from participating in its " Advanced Access '' authentication system. This blockade prevents me from executing wire transfers and accessing my own capital. 1. Deceptive Practices ( Lack of Disclosure ) At the time of account origination, Wells Fargo failed to disclose that maintaining a traditional, post-paid cellular contract is a mandatory prerequisite for full account functionality. Introducing this systemic limitation ex post facto is a deceptive " bait-and-switch '' practice. I am now denied access to a core banking function ( wire transfers ) due to an undisclosed technological dependency. 2. Unfair Practices and Substantial Harm The banks policy causes substantial financial injury by restricting access to funds. This injury is not reasonably avoidable, as the bank refuses to deploy existing alternative multi-factor authentication ( MFA ) methodssuch as in-app Push Notifications or Automated Voice Verificationfor VoIP users. The banks refusal effectively forces consumers into an illegal tying arrangement, predicating the use of a financial account on the purchase of a secondary physical product ( a traditional mobile plan ). 3. Financial Redlining and Privacy Infringement By mandating traditional mobile numbers ( which are inherently linked to physical SIM cards and aggregated by third-party data brokers like XXXX ), Wells Fargo is engaging in a form of technological redlining. This discriminatorily targets consumers who prioritize digital privacy or utilize cloud-based communication, forcing them into highly trackable and vulnerable SMS frameworks.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
am filing a complaint regarding inaccurate and harmful reporting by ChexSystems and XXXX XXXX XXXX. Accounts associated with me have been classified under account abuse ( Code XXXX ), but no clear or detailed explanation has been provided to support this classification. Based on my XXXX XXXX report, the activity reflects overdrafts and insufficient funds, not intentional misuse, fraud, or abuse of banking services. XXXX XXXX own definitions indicate that account abuse may be reported even when a full investigation has not been completed. This raises concerns that these accounts may have been inaccurately or prematurely classified without proper verification. I previously disputed this information and requested documentation, including proof of how the account abuse determination was made, a complete transaction review, and confirmation that a full investigation was conducted. However, I have not received sufficient documentation to support the reporting. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. The current reporting is vague, misleading, and is preventing me from accessing basic banking services. I am requesting the following : A full reinvestigation of the reported accounts Documentation supporting the classification of account abuse Proof that a complete investigation was conducted Removal of any information that can not be fully verified If this information can not be properly validated, it must be deleted from my consumer file in accordance with federal law. I am requesting prompt resolution of this matter.

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 2026-04-16 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: MI

Complaint narrative:
An account from LVNV Funding LLC recently appeared on my XXXX credit report. The account is showing as a collection account with a balance, but there is little to no information provided about the origin of the debt. I do not recognize this account and was not given prior notice before it was reported. Additionally, I am unable to dispute this account directly through XXXX or XXXX XXXX, as the system does not allow me to access or challenge the account details. This lack of transparency and inability to dispute the account raises concerns about the accuracy and validity of the information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a formal complaint against Truist regarding funds in the amount of {$10000.00} that have been held on my account since approximately 2025 without resolution. I have contacted the bank multiple times and have consistently been told that the funds are under review or analysis. However, I have not received a clear explanation of the reason for the hold, a written determination, or a timeline for when this issue will be resolved. This delay is excessive and unreasonable. I am requesting a full written explanation of the hold, including the legal or compliance basis for the continued delay, as well as the current status of the funds. I am also requesting any transaction reference number or ACH trace number associated with this deposit. If there is no valid reason for continuing to hold these funds, I am requesting the immediate release of my money. I am requesting that this matter be escalated and reviewed by the appropriate department for a final determination. If this matter is not resolved promptly, I am prepared to pursue further regulatory action and legal review.

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