vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report I found XXXX accounts that I did not authorize and have no knowledge of. I sent the credit bureaus my ID theft report with these XXXX accounts listed. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Account # - xxxxxx XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account # - xxxxxx XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Account # - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: GA

Complaint narrative:
Heres a clear, professional write-up you can use for a complaint, escalation, or formal report : XXXX XXXX XXXX XXXX Subject : Ongoing Issue Accessing Funds Georgia Way2Go Card * * I am writing to formally document and raise concern regarding an ongoing issue with my Georgia Way2Go card and my inability to access child support funds that have been deposited into the account. I previously requested a replacement Way2Go card, which I successfully received. However, when I attempted to activate the card, I was informed that the card was not in the system. This is extremely concerning, as child support payments have continued to be deposited onto this account, yet I have no access to those funds. Since that time, I have made multiple attempts to resolve this issue. I have experienced significant difficulty contacting customer service, and when I have been able to reach an agent, the information in their system does not reflect the most current or accurate details from the Georgia child support system. As a vendor working in partnership with the State of Georgias child support program, it is expected that the Way2Go card system should have accurate, updated information to prevent conflicts such as this. Unfortunately, the lack of synchronization between systems has resulted in ongoing delays and denial of access to my funds. Additionally, I have repeatedly complied with all verification requests. I have submitted my identification multiple times upon request to confirm my identity. Despite this, there has been no resolution, and I continue to be denied access to my accounteven while physically in possession of the card. This situation has caused ongoing financial hardship and frustration. There appears to be a systemic issue in communication and data accuracy between the child support system and the Way2Go card provider, and it is directly impacting my ability to receive funds that have already been issued to me. I am requesting immediate investigation and resolution of this matter, including : * Proper activation and validation of my card * Confirmation and correction of my account information across all systems * Immediate access to all funds currently held on the account I would also appreciate clear communication and a point of contact to ensure this matter is fully resolved without further details

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth third bank created a new bill payer system at the beginning of the month. Their automatic bi pay system was down for at least a week. Many customers manually paid their monthly mortgage when they saw their payment didn't go through. Fifth Thirds new bill payer system launched XX/XX/XXXX and many automatic payments resumed resulting in many people making duplicate payments on their monthly mortgage. When I called Fifth Third to amend this issue I spoke with a manager that is telling me due to large number of issues and back log of people experiencing this problem it will be at least XXXX weeks before the funds are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: Experian Information Solutions Inc.
State: PA

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recover Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Debt Validation Request To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced below. This is a request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. $ 1692g. Account Number : XXXX XXXX : XXXX XXXX I dispute this debt in its entirety and request that you provide full validation. Please provide the following : the following : 1. The name and address of the original creditor 2. The full account number and date the debt was incurred 3. A complete payment history, including how the amount you claim is calculated 4. Copies of any signed agreement or contract bearing my signature 5. Documentation proving your legal right to collect this debt ( including assignment or transfer records ) 6. Proof that the statute of limitations has not expired on this account Additionally, if a Form 1099-C has been issued for this account, please provide documentation showing the current legal status of the debt and how collection is still being pursued after cancellation. Until you provide proper validation, you must cease all collection activities and reporting to credit bureaus as required under the FDCPA. If you can not validate this debt, you must cease collection efforts and notify any credit reporting agencies to which you have reported this account to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I was notified 12 years later that I had a {$600.00} debt that I knew nothing about and was never contacted for this debt by a collector that is not the original owner

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting a complaint regarding repeated overdraft and monthly service fees charged by Wells Fargo on both my personal and business accounts. I have been a Wells Fargo customer for over 15 years. During a recent 3-month unpaid maternity leave, my finances became strained, and since then I have been working to recover. Instead of receiving meaningful support, I have continued to be charged repeated overdraft fees and monthly service fees, which have made my financial situation even harder to manage. I contacted Wells Fargo customer service to request assistance and fee relief, but I was told they could not help beyond very limited fee reversals. I also went in person to speak with a branch manager, explained my situation, my long history as a customer, and the hardship caused by these fees, but I was still not offered a meaningful solution or relief. These repeated fees have had a compounding effect and have made it difficult for me to rebuild financial stability after unpaid maternity leave. I believe Wells Fargo failed to reasonably assist a long-term customer facing a temporary hardship and instead continued to profit from repeated fees on both my 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 monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding misleading rewards representations by Bilt Rewards related to their credit card program. I made over {$20000.00} in tax payments using my Bilt XXXX on XX/XX/XXXX and XXXX XXXX of 2026, incurring approximately {$400.00} in processing fees, based on the advertised earning structure of XXXX points on purchases. At no point was there clear, prominent, or timely disclosure that tax payments would be excluded from earning rewards. As a result, I relied on this representation and suffered financial harm. Bilt has since denied awarding any points for these transactions and has not reimbursed the associated fees nor points. I am requesting either the crediting of the appropriate rewards points or reimbursement of the fees incurred due to reliance on their stated benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against Bank of America and XXXX regarding their failure to properly address a fraudulent transaction, lack of communication, and concerns related to consumer protection obligations under the Gramm-Leach-Bliley Act. On or about XX/XX/year>, I sent {$500.00} through XXXX to an individual by the name of XXXX who claimed to be a mechanic. After receiving the payment, the individual failed to provide the agreed-upon service and ceased communication. I later realized I was the victim of a scam. I reported this incident promptly to Bank of America and attempted to work with XXXX to resolve the matter. However, both parties have refused to provide meaningful assistance in recovering my funds, stating that the transaction was authorized, despite it being made under false pretenses. In addition to this, Bank of America informed me that I would receive a follow-up call within XXXX business days regarding a restriction placed on my XXXX access XXXX That timeframe has passed, and I have not received any communication. I have also made multiple attempts to follow up, including leaving messages for a representative named XXXX, with no response. Furthermore, my XXXX account has been restricted and/or closed without clear explanation while my fraud claim remains unresolved. This has caused significant financial hardship, stress, and inconvenience. Under the XXXX XXXX, financial institutions are required to safeguard consumer financial information and maintain appropriate protections against fraud. In my situation, I believe these obligations were not adequately met. I was able to be scammed through their platform, and neither Bank of America XXXX XXXX has taken sufficient action to investigate, recover funds, or provide proper support and communication. I am requesting the following resolution : XXXX. A full reimbursement of the {$500.00} lost due to fraud XXXX. A thorough investigation into the fraudulent transaction and the recipients account XXXX. XXXX communication regarding my case and the previously promised follow-up XXXX. A clear explanation for the restriction and/or closure of my XXXX account XXXX. A review of Bank of America and XXXX compliance with consumer protection obligations under the Gramm-Leach-Bliley Act I respectfully ask the CFPB to investigate this XXXX and assist in ensuring that appropriate action is taken. Thank you for your time and attention to this complaint. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: TX

Complaint narrative:
Midland Credit Management contacted me regarding an alleged account but has not provided validation under XXXX XXXX XXXX XXXX or documentation under FCRA 623 ( b ). They continued calling after I instructed them to stop and requested to be placed on their Do Not Call list. They have not provided any proof of ownership, itemization, or XXXX. I am requesting that Midland cease collection activity and confirm that they will not furnish unverifiable information to any consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC
State: OH

Complaint narrative:
They our trying to charge me for. Account thats not me and data breach has my name my social my number

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I bought a new truck in the Fall of 2025. The auto dealer set up the loan through PNC Bank due to the interest rates available that day. I started making my payments on time and I always added an extra {$70.00} to my payments. Then, I started making some additional payments and requesting that they applied the extra money to principal. I would check my account a week later to make sure that they had done what I requested, only to find that they were using my extra money to make pre-payments. At XXXX point, they had me prepaid XXXX months in advance. I called to complain multiples times, but they would not correct their mistakes. So, I submitted a couple of formal complaints and had many conversations with complaint resolution people from PNC Bank. I also noticed that they hadn't been producing monthly statements for my auto loan. Even as of today, there are only XXXX statements in my from XXXX 2025. I also asked them to provide me with an amortization schedule that would show me where all of my payments went, with respect to principal and interest. Their XXXX Client Relations XXXX, XXXX XXXX, said that he would provide me with an amortization schedule showing all of my payment history, but then refused to provide it the next time I spoke with him. Additionally, the PNC App is very user unfriendly. It doesn't provide any payment history or statements. It doesn't provide a payoff amounts. I got so frustrated with dealing with them, that I just wanted to pay off the loan. I tried submitted the balance showing online, but their system wouldn't allow me to payoff the entire amount. I think this bank uses predatory behaviors to keep people from paying off their loans early, which results in making their customers pay more interest. I asked for some very simple things, like principal only payments and instructed them to apply additional money to principal, but they refused to respect my requests. I have supporting information to back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> my Macy 's XXXX XXXX was used at Macy 's XXXX to make purchases I did not authorize in the amount of XXXX. The card number ended in XXXX. I reported the transactions as fraudulent because I did not authorize or make the charge. XXXX contacting Macy 's XXXX card I was told the transactions were processed XXXX ( card not present ) which is indicative of fraud. Citibank reversed my fraud claim not in my favor. I only realized the reversal recently because of recent collection calls from the bank relative to payment. I have reopened the dispute but am very concerned about the conflicting information the bank is telling me. First it was XXXX, then they claimed someone used my security word to make the fraudulent charges. I did not make the charges nor did I authorize anyone to make the charges. These are fraud. I have requested arbitration if fraud is not rectified. I have also filed a case with credit bureaus about the fraudulent charges

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I currently use XXXX to make payments to XXXX and XXXX. I have statements showing payments in the said months in which XXXX and XXXX as disclosed late payments. It would be XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection accounts listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX NCB - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a new checking account with TD Bank in response to a promotional offer advertising a bonus of up to {$400.00} for meeting certain deposit requirements within a specified timeframe. Prior to and after opening the account, I confirmed the eligibility requirements with TD Bank representatives. I was informed that I qualified for the promotion and that I needed to complete the required direct deposits and keep the account open and in good standing. I was explicitly told that once the requirements were met, the bonus would be credited within 180 days ( 6 months ) of account opening. I relied on this information when choosing to open this account, which carries a higher monthly maintenance fee than other available accounts. I successfully : Opened the qualifying account Completed the required direct deposit thresholds within the stated timeframe Maintained the account in good standing Additionally, I have written documentation from TD Bank chat support confirming : That I met the full deposit requirement That I only needed to wait 180 days to receive the bonus That the bonus would be credited automatically After the XXXX period passed, I contacted TD Bank and XXXX initially told to wait additional business days. Upon further follow-up, I was then told I XXXX not be eligible because I had previously been a TD Bank customer in XXXX. However, the written promotional terms do not support this reasoning. The terms state that customers are ineligible if they : Are current checking account customers, or Had a checking account within the preceding 12 months, or Previously received a promotional checking bonus My prior relationship with TD Bank was in XXXX, which is well outside the XXXX restriction. TD Bank has not been able to confirm whether I ever received a prior bonus, yet is using that as a possible reason for denial. TD Bank is therefore applying criteria that were not clearly disclosed and is contradicting prior confirmations provided by its own representatives. Furthermore, TD Bank representatives explicitly confirmed that I met all requirements and would receive the bonus after 180 days. At no point during account opening or follow-up inquiries was I told I was ineligible. Only after fulfilling all requirements and waiting the required period did TD Bank introduce a new and unclear justification for denial. This has resulted in financial harm, as I maintained a higher-fee account specifically in reliance on receiving this promotional bonus.

Company response to consumer: Closed with explanation