vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
On XX/XX/year> I discovered an unauthorized hotel charge from a XXXX property in XXXX posted to my Charles Schwab card ending in XXXX. I did not present this card at check-in and did not authorize the hotel to use it. I contacted Schwab immediately and reported fraud. I was told no provisional credit could be issued because the charge had not cleared by XXXX from XXXX, reference # XXXX. I was urged to confront the merchant. I am not safe returning to the hotel, and I have already reported theft at the property to police. Police report # XXXX I am requesting Regulation E error resolution for an unauthorized electronic transaction, including prompt provisional credit, a written outcome, and prevention of further unauthorized use. I can provide : screenshots of the posted charge, Schwabs subject to verification email, my account view, and my call notes with dates and times. 

Related context : a XXXX XXXX draft deposit posted around the same time, and I am preserving all records for regulators. Please confirm a case number, the investigation timeline, and when provisional credit will be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
On XX/XX/year>, I opened a Unlimited Business Checking with Huntington Bank. However, the account number wasn't provided at the time the account was opened. Not did I receive such information through email. And you need account number to enroll in the online account. This is a deadlock now and I don't have any branches around me within XXXX miles. 


Link used to open the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Accountable Finance Inc
State: MO

Complaint narrative:
Hello, I am submitting a complaint regarding my vehicle financing company for potentially unfair and deceptive practices. After losing my job in XX/XX/year>, I maintained communication with the company and continued making payments. Once I secured new employment, I provided my job offer and agreed to a payment arrangement of {$350.00} every other week the consent was verbal. 

Despite this agreement, the company later increased the payment without explanation and demanded a pay stub, even though I had already provided my job offer. I requested a copy of the written agreement reflecting these terms, but the company refused, stating they are not required to provide it. 

I am seeking CFPB assistance to ensure the company honors the agreed-upon terms, provides proper documentation, and addresses any unfair or deceptive practices. 

Sincerely, XXXX 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 2026-01-20 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:
I received a letter saying that my accounts were gon na be closed and that was a corporative decision, they just closed my checking account and my credit card without explanation I tried to go to the branch but nobody was able to help 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 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/2025, we applied for a XXXX through Bank of America and were denied. According to the adverse action letter we received dated XX/XX/2025, we are entitled to information upon which that decision was based upon request. In our letter to the bank dated XX/XX/2025, we asked for the information upon which that decision was made ( apart from information contained within a credit report ). The Bank to date has not provided any written response to our letter and staff with whom I have spoken seem to not under this requirement under the FCRA.

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 2026-01-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
XXXX XXXX placed my account with their authorized representative, Zwicker & Associates, and I entered into a written payment arrangement of {$100.00} per month, which I have been honoring. 

Despite this active agreement, XXXX XXXX is now demanding an additional minimum payment of {$600.00} directly from me in order to report the account as current, while also requiring me to continue making monthly payments through Zwicker. 

This creates conflicting and duplicative payment demands for the same debt, causes confusion, and results in inaccurate and coercive credit reporting. I am being pressured to make payments outside my agreed arrangement under the threat of continued negative credit reporting. 

I am requesting that XXXX XXXX honor the existing payment agreement, cease demanding additional payments outside of that agreement, and correct any inaccurate credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a couch on XXXX that was faulty and described as leather but was cloth. Extremely cheaply made and sub par for what was advertised! When I tryed to return seller said I must XXXX back at my own expense. I don't have a truck to ship back! I then disputed this sub parr product and sycrony band has denied dispute. SYCRONY BANK HAS ZERO ACCOUNTABILITY AMONGST THERE RANKS. CUSTOMER SERVICE WAS A VAST DEATHLOOOP OF ONE ASSOCIATE AFTER ANOTHER NOT BEING ABLE TO HELP. THIS WHOLE EXPERIENCE HAS BEEN A NIGHTMARE.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC has two open collections against me for {$820.00} and another one for {$890.00} yet have not received anything that shows these accounts have not been paid on top of the fact that i have no account of the account and they were more than likely opened fraduently while i was XXXX  and have no knowledge and they havent sent any verification of debt to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX, my bank XXXX XXXX XXXX issued a check to Bank of America ( " BOA '' ) for {$1500.00} to be paid to my current/open account. After 30 days my payment hadn't credited to my account, so I contacted BOA to help find my payment. After several calls, a representative located my payment which had been credited to an account NOT owned by me. That account belonged to another member, and I was told that a dispute for missing payment would be opened and that the payment would be credited to my open account. 

In XXXX, I received correspondence from BOA acknowledging their mistake and that my account had been credited. However, their correspondence referred to yet another account, and not my current open account. The account referenced on their correspondence is from my bankruptcy discharge of XX/XX/XXXX. I contacted BOA and told the representative that the check they received specifically noted my account number in the memo and that I did not authorize a payment to the closed bankruptcy discharged account. The representative would not transfer me to a supervisor and told me that there is nothing they can do about this. 

On XX/XX/XXXX, I wrote to BOA and included a copy of the check issued by XXXX, a copy of my statement, a copy of their correspondence, excerpts of my XXXX XXXX XXXX and the discharge. I requested that they credit my payment of {$1500.00} from the discharged accounting to my current/open account. 

I have tracking information that my letter was received at three different locations which I found for general, and payment inquiries.

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Action Collection Service
State: ID

Complaint narrative:
I have sent XXXX letters requesting validation of supposed debt i owe to them... I also requested that they validate on here... and AGAIN all they sent is a random itemized receipt showing a bank account with nothing but it being closed .. showing nothing that I even owe ... and showing an address that isnt even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nathan & Nathan, P.C.
State: GA

Complaint narrative:
I timely disputed this alleged debt and requested validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

The company has failed to provide proper validation. They have only sent periodic billing statements, which do not constitute validation.

They have not provided : A copy of the original signed contract or agreement Proof of ownership or chain of assignment Proof they are licensed or authorized to collect in my current state The governing law or arbitration clause An itemized accounting of the alleged balance Despite failing to validate, the company continues to send statements, which constitutes continued collection activity without validation. Ive asked for this information over 60 days ago. They fail to send the requested inf
ormation and Im being harassed by mail.

I am requesting that the CFPB require the company to cease collection activity. Its not reporting on my credit report, but they threaten to report this false information to my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I disputed an inaccurate account from Automobile Acceptance Co on my XXXX credit report. This account was never mine. It was also being reported in violation of FCRA 15 USC 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ) specifically for showing new CO charge-off notations XXXX XXXX for XXXX XXXX  after the alleged charge-off, which constitutes improper re-aging. 

On XX/XX/year>, I received confirmation from XXXX  that the derogatory account had been removed from my XXXX  report. My credit score jumped XXXX points. However, on XX/XX/year>, XXXX  reinserted the same account without notifying me or providing any new investigation results, and my score immediately dropped again. 

When I log into the XXXX XXXX XXXX, the results they show refer to a completely unrelated account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that has nothing to do with what I disputed. 

I am requesting the CFPB to investigate this improper reinsertion without notice, as well as XXXX failure to respond to the correct dispute. If the debt can not be validated and attributed lawfully to me, I request permanent deletion of the Automobile Acceptance Co account from my XXXX  file under 15 USC 1681i ( a ) ( 1 ) ( A ). I also request enforcement of my right to receive proper notice under 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) regarding reinsertion of any previously deleted item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Inc.
State: SC

Complaint narrative:
Name- XXXX XXXX Record- The individual represented themselves as a XXXX student XXXX 
Chime name- $ XXXX Phone number- XXXX The seller offered to ship the product with a {$48.00} delivery fee but failed to fulfill the order and refused to issue a refund for the product that was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
am filing a complaint against Absolute Resolution Investments / Absolute Resolutions regarding inaccurate credit reporting and failure to properly verify an alleged debt being furnished to consumer reporting agencies. 
This account is being reported inconsistently and inaccurately across credit bureaus. XXXX  reports the account as a Debt Buyer / Collection account, while XXXX  reports the same alleged debt as an Open account, which is inaccurate because a third-party debt buyer/collection account can not legally be furnished as an open account. 
I previously disputed this account and it was returned as verified, however the furnisher has not provided competent evidence supporting the accuracy of the reporting. I am disputing the accuracy and completeness of the information being furnished, including but not limited to the account type/status and whether the information is being reported in compliance with the Fair Credit Reporting Act ( FCRA ). 
I request that Absolute Resolution provide full validation documentation including chain of assignment/ownership, original creditor account information, itemized balance, and proof of accurate furnishing. If Absolute Resolution can not provide this documentation, I am requesting deletion of this tradeline from XXXX  and XXXX. 
Additionally, I request immediate correction of the inaccurate XXXX  reporting that lists this debt as an Open account, or deletion if it can not be accurately corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
In the beginning of XX/XX/year> I went on to my Synchrony Bank accounts website to check the balance on my Synchrony Bank XXXX. When I went to do so it showed the account was closed as of XX/XX/year>. Upon calling customer service was basically told they don't have no reason why they don't know why but just to wait for a letter with an explanation. The letter for My Synchrony Bank XXXX I received on XX/XX/XXXX that stated my Synchrony Bank XXXX was closed as of XX/XX/year> and that it was indicated of high risk of failure to pay. I have four other accounts with Synchrony Bank besides my Synchrony Bank XXXX and I only got one representative to do an inquiry to as why all five accounts were closed simultaneously. Received XXXX letter on XX/XX/XXXX dated XX/XX/XXXX with My Synchrony Bank XXXX and my other synchrony accounts listed on it and the only explanation was that your accounts were closed due to activity demonstrated at one or more accounts who I would synchrony bank and not necessarily due to your pain in history. Never received any in-depth explanation or example of information they had or that they went by to close this account and my other accounts.

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 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: WI

Complaint narrative:
They're trying to get me to pay an amount I do not owe. 
They told me to get out with no notice ahead of time. It would make sense to owe it if I was granted the whole month while moving out. 
They already took my security deposit. 

This company is a big scam and I can contact all the renters there who will gladly tell the courts how mistreated and bad that property company is. They ignore our requests for maintenance. They don't get back to you. They go through property managers like candy because it's such a bad company that claims false claims like this.

There was even a property manager stealing rent checks from people which then prompted people to pay right away even when they already did- which resulted in mass eviction. 

This company has so much strikes against them they do not follow on fair housing. 
I'd gladly take this to court if they don't clear it from debt. 
I've complied in all ways and communicated properly.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial
State: NY

Complaint narrative:
Step XXXX : Initial Contact & Transfer The victim attempted to exchange XXXX for XXXX XXXX XXXX XXXX XXXX via a Telegram-based exchange service XXXX ( still active ). Following instructions from XXXX a transfer of XXXX XXXX XXXX XXXX XXXX XXXX  was sent to the provided wallet address : XXXX Step XXXX : The Deception ( Bank Rejection ) After confirming receipt of the funds, the operator claimed the bank transfer to the victims credit card was " rejected. '' To circumvent this, they suggested a " cash withdrawal via QR code. '' Step XXXX : The XXXX ( Minimum Threshold ) The operator claimed the minimum amount for a XXXX code withdrawal was XXXX XXXX XXXX XXXX XXXX XXXX  ). To reach this limit, the victim was instructed to send an additional XXXX XXXX XXXX XXXX XXXX XXXX 

Step XXXX : Ghosting & Ongoing Activity Upon receiving the second transfer ( Total : XXXX XXXX XXXX, the operators ceased all communication with the victim. However, the account remains active, has not blocked the victim, and continues to solicit funds from other potential victims ( verified via third-party accounts ). 
Primary Accumulation Wallet ( Current Location ) : XXXX Filed an official report with the FBI IC3.

Amount lost XXXX XXXX can I use this discription?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank allowed ACH debits to overdraw my account after I explicitly requested they stop all overdrafts due to financial hardship and unemployment. I was told by a US Bank employee that this was impossible, and that they lack the ability to stop these withdraws, which is misleading, as banks routinely block ACH debits for fraud and account freezes. This practice created debt without my consent and is predatory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Total of XXXX dollars in total to three Capitol One credit Cards. They are in my collection and illegally sold to a debt collector without my permission or written authorization. 
Also XXXX had a data breach where my information was leaked on the dark web. They also caused XXXX  to have a data breach as well. XX/XX/year>.

Company response to consumer: Closed with explanation