vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: The J. G. Wentworth Company
State: TX

Complaint narrative:
What happened I enrolled in a debt settlement program with JG Wentworth. On XX/XX/year>, I submitted a written request to cancel my enrollment effective immediately and revoked authorization for all ACH withdrawals. Since that date, I have submitted multiple written cancellation requests ( at least five total ). I have only received generic responses and have not received written confirmation that my account has been closed. Despite my cancellation and revocation of authorization : JG Wentworth attempted to withdraw {$470.00} on XX/XX/year>, which failed ( NSF ) My account remains active in their online portal Their system continues to show future scheduled payments I received communication encouraging me to reschedule payment, despite canceling Continued Contact After Written Request I also sent a written request stating that all communication must be in writing. Despite this, JG Wentworth has continued to call me repeatedly, including : Multiple calls per day Calls from different phone numbers Repeated voicemails These calls have continued after my cancellation request and communication preference, and I consider them excessive and inappropriate. What I want I am requesting : Immediate written confirmation that my account is closed Confirmation that no further withdrawals will be attempted A full accounting of all funds paid into the program The return of any remaining funds held in my account Removal of all future scheduled payments That JG Wentworth cease all phone contact immediately Additional details I revoked ACH authorization on XX/XX/year> Any attempted withdrawals after that date are unauthorized I have retained documentation of all communications, account activity, and call logs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding an unresolved cash withdrawal error with Bank of America that has remained unresolved for over one month. During an in-person visit to a branch on XX/XX/year>, I initially requested a withdrawal of {$5200.00}. Before the transaction was completed, I clearly changed the withdrawal amount to {$3600.00} in front of both the teller and the branch manager, XXXX XXXX. I only received {$3600.00} in cash. However, when reviewing my account days later, I discovered that two transactions had been processed : one for {$3600.00} ( correct ) and an additional unauthorized withdrawal of {$1500.00}. The {$1500.00} should not have been withdrawn and was never received by me. I have returned to the branch more than five times and have spoken directly with branch manager XXXX XXXX, who verbally acknowledged that he remembers the transaction and agrees that the additional withdrawal is incorrect. Despite this, no correction has been made and no funds have been returned to my account. It has now been over 30 days with no resolution, no follow-up communication, and no clear timeline provided. This situation reflects a failure to properly handle a documented transaction error and to provide timely resolution to a customer.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I am filing a complaint against Bank of America regarding a prolonged account restriction that has left me without access to my own funds for nearly three months. My account has been flagged for fraud/security concerns, and I am currently dealing with severe identity theft. I have made multiple attempts to resolve this issue through customer service, but I have been repeatedly told that I must verify my identity in person at a branch. Due to being unable to access my own money, I am now homeless, XXXX, and without reliable access to food. I can not afford to travel to a branch location because my funds remain inaccessible. This situation has caused extreme and immediate financial and physical hardship. During this time, deposits have continued to be made into my account, yet I have had no access to these funds. I have requested alternative methods of identity verification, including remote verification ( video call or document submission ), but I have not been provided with any workable solution or clear path to resolution. I am requesting that Bank of America immediately : 1. Provide a remote method to verify my identity, OR 2. Release my funds via check, transfer, or other accessible method, OR 3. Close the account and send me the remaining balance This prolonged denial of access to my funds is unreasonable and unacceptable, especially given my current circumstances involving identity theft, XXXX, homelessness, and lack of food. This situation is causing immediate harm and requires urgent resolution. I am requesting immediate action to restore access to my funds or release my balance without requiring in-person verification.

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 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forest Recovery Services LLC
State: IL

Complaint narrative:
Issue : Incorrect balance / improper billing/failure to investigate I am filing this complaint regarding inaccurate credit reporting and failure to properly investigate a disputed debt. The account being reported includes a balance that is not accurate. Based on the account ledger, my balance was approximately {$1400.00} as of early XX/XX/year>. However, an additional rent charge of {$1300.00} was added for XX/XX/year>. This charge is not valid. On XX/XX/year>, I provided written notice that I would vacate the property effective XX/XX/year>. This notice was acknowledged, and I returned possession of the unit ( including the keys ) on that date. I did not occupy the property at any time during XX/XX/year>. The Landlord added that balance to my account in retaliation for me not signing their Mutual Legal agreement not to sue them once we departed ( please see attached ). Despite this, the company added a full rent charge for XX/XX/year>, inflating the balance being reported. I have disputed this multiple times with XXXX, specifically stating that the balance is incorrect due to this improper charge. However, the account continues to be marked as verified without any correction or documentation being provided to support the additional charge. The furnisher has not provided : - A valid lease agreement supporting the XX/XX/year> charge - Documentation showing I owed rent after vacating - A complete and accurate accounting of the balance XXXX has continued to rely on automated verification responses rather than conducting a reasonable investigation into the accuracy of the reported balance. This is a violation of my rights under the Fair Credit Reporting Act, which requires that only accurate and verifiable information be reported. Requested Resolution : - Immediate correction of the balance to remove the invalid XX/XX/year> charge OR - Complete deletion of the account due to inaccurate reporting and failure to verify I am requesting that the company provide full documentation supporting the reported balance or cease reporting this account entirely. I am also requesting that XXXX conduct a proper investigation into the accuracy of this account rather than relying on automated responses. This matter has harmed my credit profile due to the reporting of an inaccurate balance. I expect a thorough investigation and resolution. I also filed a complaint with the XXXX regarding this fraudulent balance being placed on my credit report maliciously by XXXX XXXX and it was approved. Please view it here XXXX XXXX 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 2026-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Holdings, LLC
State: MD

Complaint narrative:
I am disputing this debt. At the time of the toll charges, I had an active XXXX transponder properly installed in my vehicle. These tolls should have been automatically processed through my account.I was not notified of any issue or unpaid toll prior to receiving this collection notice. The failure to process the toll appears to be due to a system error, not my negligence. I am requesting that the administrative fees be removed and that the original toll amounts be billed correctly to my XXXX account.I am willing to pay the original toll amounts, but I dispute the additional administrative and collection fees. Reference # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
I have an account with Crypto.com and I got logged out. I was unable to log back in to access my account so now I have no way to access those funds. I believe the balance is around {$3200.00} but I haven't been able to check in a while. I'm not having any luck with their customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing in response to your recent correspondence regarding my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ). I strongly disagree with your conclusion and request an immediate reconsideration of my case. Your determination that the disputed transactions were authorized is both inaccurate and misleading. The transactions in question were conducted under fraudulent circumstances in which I was deceived and manipulated. Any so-called authorization was obtained through misrepresentation and should not be treated as valid consent. Under Regulation E, financial institutions are required to investigate errors in good faith and can not simply deny claims by narrowly interpreting authorization while ignoring the role of fraud, deception, or coercion. Your response fails to adequately address these critical factors and instead shifts the burden entirely onto the victim. I expect Discover to : Conduct a thorough and good-faith reinvestigation of the disputed transactions Provide a detailed explanation of how you determined that these transactions were authorized, including any evidence relied upon Clarify what steps were taken to evaluate the fraudulent nature of this situation Additionally, I request that all documentation, call recordings, and internal notes related to my XX/XX/year> phone call and subsequent investigation be preserved and made available upon request. Please be advised that I have already filed ( or will be filing ) a police report regarding this matter. I am also prepared to escalate this issue further through regulatory and legal channels if necessary, including continued engagement with the CFPB and other relevant authorities. This situation involves clear fraud, and your refusal to acknowledge it is unacceptable. I expect a prompt and substantive response within 15 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency 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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
No late payments permitted on any report ever also what does 18 USC 8 and public law 73-10/HJR 192 Why are my obligations not handled appropriately payment requires proper presentment. See UCC 3-603 and UCC 1-308 Why am I treated like primary obligor and how am I supposed to pay anyways sounds like extortion and collusion and coercion how does anyone do so and not violate public law 73-10 and 18 USC 9.

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 2026-04-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am submitting this complaint regarding an account that is the result of identity theft. An account was opened in my name with XXXX ( Fifth Third Bank ) without my authorization. I did not apply for, authorize, or benefit from this account. I have already filed a police report and have documentation supporting that this account is fraudulent. Despite being notified of identity theft and provided documentation, the company has continued collection activity by sending settlement offers attempting to collect on this account. This is improper and demonstrates a failure to reasonably investigate the dispute and cease collection efforts on a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-04-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Remove from credit report as this is medical debt under {$500.00}. Total amount of $ XXXXand is not to be reported as it is medical debt. Remove now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Olympus1 LLC
State: TX

Complaint narrative:
I got calls from several different area codes saying I was approved for a XXXX XXXX. I finally called back and went through the steps with my personal information and was told I was approved for {$29000.00}. This amount would cover my credit card dept. I had to use a clixsign through my phone. Never received the loan for {$29000.00}, however they set up an ACH to take money from my banking account. I cancelled the contract within time frame. This has to be reported as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I am disputing a charge for a {$1000.00} In discount and with taxes is ( {$640.00} ) item ( XXXX XXXX ) purchased through Affirm at XXXX. The item was stolen due to delivery negligence ( shipped without a signature requirement for a high-value item ). I have provided Affirm with : Official GPS logs from the manufacturer ( XXXX ) proving the stolen unit is active and being used by a third party in XXXX ( XXXX km driven ). Maryland Attorney General XXXX # XXXX. Affirm has closed the dispute in favor of the merchant despite clear evidence of theft and lack of delivery security ( No signature ). I am being forced to pay for a product I never received and that I have proven is in someone else 's possession. I request Affirm to cancel this debt and stop reporting it as my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I made a mobile deposit of {$50000.00} dollars. As you can see from the attached evidence Wells Fargo said a portion would be available the following day with the rest clearing on XX/XX/XXXX. Neither happened. I called them on the XXXX after my card was declined and an insuficient funds notice appeared on my email. They said first portion would clear on the XXXX and the rest on the XXXX. The first portion did clear on the XXXX but I'm still waiting for the rest and it's now XX/XX/XXXX. They claim it's now going to clear tomorrow the XXXX. The check cleared the sender 's account the day I deposited it. How much interest did they make on my money while I was missing payments and damaging my XXXX XXXX. I've missed crucial payments including child support, alimony and car payments that now will damage my credit.

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