vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00} FOR THIS VIOLATION, AND IF NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY WILL ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have wanted to close my account but TD bank insists I need to go into a branch to do so. They are not convenient to me and requires me taking off work to do so. They have indicated they will only close by phone when the balance is less than {$100.00}, however they begin assessing monthly fees to the account when the balance is less than {$250.00}. This feels like it is wrong for a bank to charge fees but refuse to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Re : Complaint Against Bank of America , N.A . Product : Credit Card Issue : Billing Dispute Services Not Rendered I am filing a formal complaint regarding Bank of Americas handling of a credit card billing dispute involving a {$350.00} charge from XXXX. Timeline Summary XX/XX/XXXX I purchased a hotel and rental car package through XXXX for travel to XXXX, XXXX. XX/XX/XXXX The rental car agency refused to release the vehicle because they required additional XXXX insurance, despite my having already purchased rental insurance through XXXX. The rental car was never provided. I immediately canceled the hotel reservation before check-in through XXXX chat . I never occupied the room. XXXX refunded only the insurance portion. I disputed the remaining {$350.00} as services not rendered. Bank of America initially approved my claim and issued a credit of {$350.00}. Subsequently, without clear explanation, Bank of America reversed the full credit and re-billed my account in XXXX separate charges of {$220.00} and {$130.00}. Their written explanations are inconsistent : XX/XX/XXXX, letter states the credit was reversed due to a duplicate credit from XXXX for {$130.00}. XX/XX/XXXX, letter references a merchant credit of {$0.00}. XX/XX/XXXX, letter states there was a delay in posting the debit. Another XX/XX/XXXX letter states the claim was denied because the service was not eligible for refund under merchant policy. These statements contradict XXXX another and do not address the core issue : No rental vehicle was provided. No hotel stay was used. No services were rendered for the {$350.00} charge. A non-refundable policy does not permit retention of funds for services never delivered. Bank of America has not produced documentation proving : That the rental car was provided That I checked into or occupied the hotel That services were rendered in exchange for the charge I am requesting CFPB review of Bank of Americas dispute handling process, specifically : XXXX. Improper reversal of an approved claim. XXXX. Failure to provide consistent reasoning in writing. XXXX. Failure to address services not rendered standards. XXXX. Lack of documentation supporting the denial decision. I respectfully request that Bank of America be required to : Reopen and properly investigate the dispute Provide all documentation relied upon in denying the claim Reinstate the {$350.00} credit unless proof of service delivery is produced I have acted in good faith throughout this process. I am seeking fair enforcement of consumer dispute protections. Sincerely, XXXX XXXX XXXX XXXX, Texas

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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear CFPB, My dispute regards a Bank of America Promo of XXXX percent interest with the promise of a {$200.00} cash reward. Another Promo in XXXX of XXXX for the same XXXX percent credit card with a {$300.00} cash reward. I made calls in late XX/XX/XXXX, mid XX/XX/XXXX and late XX/XX/XXXX. BOA claimed that I had a prior card dating back to XXXX of XXXX. I did not believe that I did and asked them to provide documentation. Every time that they informed me that there was a prior card ( maybe XXXX times between XX/XX/XXXX and XX/XX/XXXX ) they never provided me with anything. I told them I suspected FRAUD but they would not listen. Not until late XXXX did anyone ever provide the requested information until finally a XXXX XXXX XXXX showed me the proof of a card in late XXXX of XXXX. Why did none of the other BOA XXXX provide this information that XXXX provided in less than XXXX hours? I filed a complaint ID # XXXX in XXXX of XXXX. Your site says that the issue has been resolved and that Bank of America sent you a letter and would be sending me a letter. THOSE ARROGANT XXXX XXXX LIED TO YOU IN THEIR RESPONSE AND THEY NEVER SENT ME THE SUPPOSED LETTER OF THEIR RESPONSE TO YOU. They reimbursed me {$720.00} of the fraudulent interest charges but they still owe me {$88.00}. Of course, there was no interest paid on the money they stole from me and they never intended on giving me the {$200.00} Bonus Cash that was promised on their Deceptive Promo. Whatever LIE they fed you, the ARROGANT XXXX XXXX never gave me the courtesy of sending me a copy as they told you they would. These XXXX at Bank of America need to be held accountable by our United States Government for their LIES, PREDATORY LENDING PRACTICES, AND OUTRIGHT THEFT from all customers, particularly XXXX XXXX. THIS TIME THEY NEED TO PAY A $ XXXX DOLLARS IN FINES!

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> RE : FORMAL IDENTITY THEFT DISPUTE FCRA 605B, 609 ( e ), 611, 623 To Whom It May Concern, I am formally disputing fraudulent information appearing on my credit reports. This account is the result of identity theft. I have reported this matter multiple times and am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws. Fraudulent Account Information : Creditor : OneMain Financial Account Number : XXXX Reported Balance : Approximately {$4100.00} Status : XXXX XXXX XXXX This account was not opened, authorized, or used by me. I did not sign any documents nor authorize anyone to open this account on my behalf. Therefore, this tradeline constitutes identity theft. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires the blocking of information resulting from identity theft. FCRA 609 ( e ) : Requires provision of copies of any application, contract, or transaction records bearing my name. FCRA 611 ( 15 U.S.C. 1681i ) : Requires a reasonable reinvestigation within XXXX days. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Requires furnishers to report accurate information and correct inaccuracies. Additionally, under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), fraudulent use of another individuals identifying information is a federal offense. If this account can not be verified with original signed documentation proving I authorized this debt, it must be permanently deleted from all credit reporting agencies including XXXX, XXXX, and XXXX. This letter serves as my formal identity theft affidavit and dispute notice. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

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 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: MN

Complaint narrative:
I demand a complete accounting of this collection debt purchase. As a debt collection agency that is also a debt purchaser, your company must fulfill the following criteria : You must show proof of assignment from the debt procurer the rights to pursue collections as mandated by FTC v. XXXX XXXX ( XXXX ), and the bylaws of the Fair Debt Collection Practices Act. You must show proof of bonding as stipulated in the state of XXXX. You must be licensed with the National Mortgage Licensing Service as a debt buyer, along with federally bonding. You must show a Bill of Sale on any debt purchase of any individual debt. ACCORDINGLY, SINCE YOUR COMPANY HAS NOT FULFILLED THESE REQUIREMENTS THE COLLECTION MUST BE DELETED AND THE NEGATIVE TRADELINE BE DELETED AND MY ACCOUNT INFORMATION MUST BE PURGED PERMANENTLY!!! DELETE THIS COLLECTION PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
On XXXX XXXX XXXX XXXX the town of XXXX XXXX contacted XXXX XXXX about how she never got her property taxes. XXXX went right away to look on her online account to find out that a check was sent out on XX/XX/XXXX. The check was returned on XX/XX/XXXX the check was returned back to Penny Mac. XXXX XXXX said on XX/XX/XXXX that she never got anything from Penny Mac. XXXX XXXX has talked XXXX different people with in Penny Mac and none of them have been helpful or nice about the issue. On XX/XX/XXXX someone with in Penny Mac called XXXX XXXX saying they would be sending the full amount of {$1000.00} to her bank account in which they did not do that they just ran an escrow and issued her a refund of {$810.00} which was the " overage '' in the account. XXXX has called back XXXX since then and has gotten nothing but the run around on this issue. She signed a contract that Penny Mac to pay her property taxes on her behalf which has not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi bank closed my account without my consent and they wouldnt give me the courtesy of telling me the reason why. When I spoke to them on the phone on XX/XX/year> they were very unhelpful saying they were not aloud to say why they closed my account. I deposited $ XXXX into the Sofi bank savings account with a cashiers check from my previous bank account. Now Sofi has that money and Im unsure if theyll return it. Such a sleazy company holding funds that arent theirs and to top it off they have no explanation as to why they closed the account. Disgusting customer service. I hope people are cautious when choosing to bank with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WorldRemit Corp.

Complaint narrative:
There were a lot of transactions have made on WorldRemit and I request the refund for : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX x XXXX and XXXX XXXX and XXXX XXXX : XXXX cad XX/XX/XXXX : XXXX x XXXX XXXX and XXXX XXXX, and XXXX XXXX and XXXX XXXX XX/XX/XXXX : XXXX x XXXX XXXX and XXXX x XXXX XXXX XX/XX/XXXX : XXXX x XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX XX/XX/XXXX : XXXX x XXXX XXXX, and XXXX XXXX and XXXX XXXX, and XXXX XXXX and XXXX cad XX/XX/XXXX : XXXX x XXXX XXXX XX/XX/XXXX : XXXX XXXX and XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX They were asking me to do the fee for them to get the materials test preparation for English test, they didn't give me anything and when I asked for the refund they said if I do the insurance fee for them they will refund all of money. However, the date on the agreement passed and I received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
My account of events begins when I was contacted via XXXX by an individual identifying herself as XXXX. After the initial exchange, the communication was moved to XXXX. She represented herself, along with an individual she described as a friend and colleague named XXXX, as investment professionals affiliated with the trading platform being promoted. I was instructed to sign an agreement with the platform. Subsequently, I was shown an account balance indicating that more than US {>= $1,000,000} had been credited to my account within approximately one week. The individuals involved demanded additional payments of US {$420000.00}, describing these sums as an analyst service fee. When I attempted to withdraw my funds, I was met with further demands for additional fees to enable the withdrawals. Furthermore, I must highlight the severe lack of oversight and failure in duty of care by my bank. Despite the transaction involving an exceptionally large and uncharacteristic sum, the bank ignored obvious 'red flags ' and failed to trigger any fraud prevention protocols. No attempt was made to intervene, verify the legitimacy of the recipient, or stop the transfer to protect my assets. Additionally, when I reported the crime, the bank demonstrated a dismissive attitude and shown no willingness to assist in the resolution of my case or the recovery of 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 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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: NJ

Complaint narrative:
I have received a copy on my credit reports, and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management attempted to collect a debt and took me to court, but they did not appear and the case was dismissed because they failed to provide any proof of the debt. On XX/XX/year>, I reached out to the attorney representing Midland requesting original purchase statements and documentation showing I owed the amount they claimed. I followed up again on XX/XX/year>, XX/XX/year>, and XX/XX/year>, and received no response. Midland has never provided any proof of purchases, original statements, contract, or documentation showing I am responsible for this debt, and they have continued to report it on my credit report despite not validating it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
FORMAL DISPUTE DEFECTIVE AND DAMAGED MERCHANDISE Re : XX/XX/year> Purchase {$8500.00} Account Ending XXXX To Whom It May Concern : I am formally disputing the above charge pursuant to the Fair Credit Billing Act ( 15 U.S.C. 1666 ). The furniture delivered under this transaction was both structurally and cosmetically damaged. The defects materially affect the functionality, safety, and overall condition of the goods. Despite attempts to resolve this matter with the merchant, XXXX has failed to provide an adequate remedy. A price reduction or XXXX XXXX discount does not waive the implied warranty of merchantability unless the goods were clearly sold as-is with conspicuous warranty disclaimer language. The documentation provided does not reflect such a disclaimer. Because the goods were delivered damaged and the merchant has not provided repair, replacement, or rescission, I dispute the full charge and request : A formal investigation under XXXX ; Temporary suspension of the disputed amount during investigation ; Written confirmation of the investigation timeline. If necessary, I am prepared to provide photographs and documentation of the structural and cosmetic damage. Please confirm receipt of this formal dispute. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
Here is a clear, structured version you can submit to the consumer complaint department : Subject : Request to Remove Incorrect XXXX Collection from Credit Report I am filing this complaint regarding an incorrect {$100.00} XXXX bill that has been reported to collections and is negatively affecting my credit report. XXXX. After I disconnected my XXXX service, XXXX continued sending bills to my old addresses, despite the fact that I have been living at my current address for the past five years. I did not receive any email, phone call, text message, or mail at my correct address regarding this {$100.00} balance. XXXX. Because I never received proper notice, the account was sent to collections without my knowledge. XXXX. The collection agency ( Eastern Account System ) informed me that : They do not currently have a record of an active account. They state the balance is fully paid. They are unable to provide documentation confirming deletion. XXXX. This collection has already been removed from XXXX but it remains on my XXXX and XXXX credit reports. XXXX. XXXX and XXXX have advised me that XXXX and/or Eastern Account System must request removal directly. This is a small {$100.00} amount that was never properly communicated to me, and the continued reporting is unfairly damaging my credit. I respectfully request that this XXXX collection account be immediately removed from my XXXX and XXXX credit reports. Thank you and I look forward a favorable response from your end.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation