vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 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: KY

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information are still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: KY

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information are still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

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 2026-05-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: FL

Complaint narrative:
Request for approval for ACH transfers email containing my banking information and government issued ID continues to get denied without explanation. I have sent in the request multiple times and I do not receive an email or phone call regarding a denial or an explanation of denial. I have called and escalated the issue and have not received a return phone call. I have since made multiple phone calls with no resolve. I am trying to get my Way2Go account through XXXX to allow bank transfers. I have called about everyday to see if the approval went through and customer service level 1 representative tells me of instant denial without explanation. Dates emails have been sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I recently reviewed my credit reports and discovered multiple accounts, collections, late payments, inquiries, and other negative information that I do not recognize or believe were authorized by me. I also found inaccurate personal information associated with my credit file, including incorrect names, phone numbers, addresses, and employment information. Some of the accounts appear to have been opened or reported between XXXX and XXXX without my knowledge or consent. I attempted to dispute several of these items directly with the credit bureaus after discovering the inaccuracies. Despite my disputes, many of the negative items continued reporting without sufficient documentation being provided to me proving the accounts belong to me. I am requesting a full investigation into the unauthorized and inaccurate information appearing on my consumer reports. The inaccurate information includes collections, charge-offs, late payments, auto loan/repossessions, and hard inquiries that have negatively affected my credit standing. I am requesting that any information that can not be properly verified be removed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding failure to validate an alleged debt and continued credit reporting without proper documentation. On XX/XX/XXXX, I sent a debt validation request via certified mail regarding Account # XXXX. As of today, XXXX XXXX XXXX has failed to provide proper validation of the alleged debt directly to me. Despite failing to validate the debt, the company continues reporting this account to Experian and other credit reporting agencies. This alleged debt relates to medical services from XXXX. I requested documentation supporting : - The existence of the debt - Proof that XXXX XXXX XXXX has authority to collect - Itemized billing - Supporting documentation bearing my signature or authorization No such documentation has been provided. I believe the continued reporting of this account without proper validation violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting : - Immediate deletion of this account from all credit reporting agencies - Written confirmation of deletion - Copies of all documentation supporting this alleged debt

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 2026-05-20 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: MD

Complaint narrative:
I have been a Bank of America customer for approximately 20 years and have used my checking account as my primary financial account for direct deposit from my employer, automatic bill payments, and tax refunds. Recently, I attempted to sell my vehicle on XX/XX/year> and was targeted by a scammer who provided me with a counterfeit cashiers check for {$85000.00}. I deposited the check in good faith on or around XX/XX/year> believing it to be legitimate. As soon as concerns arose, I contacted Bank of America on XX/XX/year> and fully cooperated by providing all information I had regarding the individuals involved. Despite the fact that I was the victim of fraud, Bank of America chose to close my account on XX/XX/XXXX, XXXXand informed me that my funds would be held for up to 45 days. Most concerning, I was not provided with any advance notice that my account was being restricted or closed. I first discovered the issue when my debit card was repeatedly declined while attempting to purchase necessities for my family. This was embarrassing and alarming, and it left me without access to money needed for food, diapers, and other essential household expenses. I have three dependent children, including an 8-month-old baby, and this action has created an immediate and severe financial hardship. I rely on these funds to pay for housing, utilities, groceries, childcare, and other basic living expenses. I also have automatic payments and incoming deposits tied to this account. I understand that banks must investigate suspicious transactions. However, I believe it is unreasonable and unfair to withhold all of my legitimate funds for up to 45 days when I acted in good faith, proactively reported the fraud, and fully cooperated with the bank. I also believe Bank of America failed to communicate adequately and failed to provide me with an opportunity to make alternative arrangements before cutting off access to my money. I respectfully request that Bank of America : XXXX. Immediately escalate this matter for executive review. XXXX. Release all undisputed legitimate funds as soon as possible. XXXX. Provide a written explanation identifying which specific funds are being held and the legal or contractual basis for the hold. XXXX. Confirm whether future direct deposits and tax refunds will be accepted or returned. XXXX. Reimburse any fees, penalties, or damages caused by this account closure and extended hold. I was the victim of a scam, yet I have been left without warning and without access to my own legitimate funds. I am asking for urgent assistance in resolving this matter and restoring access to money needed to support my family.

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 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Between XXXX and XX/XX/XXXX, I contacted XXXX customer support to cancel all four phone lines under my account. The representative confirmed that the lines would be closed and, because the account was prepaid, there would be no remaining balance. In XX/XX/XXXX, I unexpectedly received a phone call claiming I had outstanding charges and that my account had been sent to collections. I had never received any prior notice from XXXX phone call, email, or mailed letterinforming me of any balance or my rights. Believing the call to be a scam, I hung up. In XX/XX/XXXX, I received another call from the same collector. This time, I checked my XXXX credit report and confirmed the debt was real. I immediately contacted XXXX. After multiple disconnects and over an hour of waiting, I finally reached an agent who reviewed my account. She confirmed that three of the four lines had been properly canceled, but one line had been left open. She opened a support ticket and told me her supervisor would handle the issue, remove the collection, and restore my credit. I never received any followup from XXXXno calls, emails, or letters. In XX/XX/XXXX, the first written notice I ever received about this issue came from the debt collector, not XXXX. I mailed a written dispute explaining that XXXX failed to close my account properly and requested that collections be paused. When I called the collector, they refused to pause collection activity and insisted I must provide proof, even though XXXX holds all relevant records. They also refused to provide verification beyond their initial claim. XXXX has all the evidence needed to resolve this matter, including : The original call where I requested cancellation of all four lines. The XX/XX/XXXX support call where their agent acknowledged the error and promised resolution. Account records showing that three lines were canceled and the remaining line had zero usage ( no calls, texts, or data ). Despite this, XXXX failed to notify me of any issue, failed to correct their mistake, and allowed the account to be sent to collectionsdamaging my credit. Their lack of communication and refusal to resolve an error on their end has caused unnecessary financial and personal harm. XXXX Support Ticket XXXX # XXXX, Supervisor last name : XXXX, Phone call on : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AZ

Complaint narrative:
I am requesting a formal re-investigation of a closed fraud claim. On XX/XX/year> there was a {$1000.00} charge to my XXXX Citi card from a company called XXXX XXXX. I did not notice the charge immediately but when I did catch it, I reported it immediately. Citibank sent a follow up email requesting more information but I missed it due to an oversight. A letter was then sent to me dated XX/XX/year> stating the charge has been determined to not be fraud and {$1000.00} was charged back to my account. I have called Citi twice and told by the first representative that she is reopening the case, asked me a series of questions regarding the charge, and assured me the charge would be removed. It was not removed. I called and spoke with a second representative that said she would have my case escalated and addressed immediately. It has been months and I have yet to see this charge be reversed and no letter or email has been sent with the final outcome.

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 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV Funding is reporting balances and dates inconsistently across bureaus, violating the FCRA 607 ( b ). No documentation providing assignment or ownership has been provided under 611 ( a ) and 623 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: AZ

Complaint narrative:
I asked this company to revoke ACH on my account and I was told in chat that it would be taken care of. They did not honor this request. This caused me to be overdrawn on my bank account from taking {$200.00} and {$69.00}. I then requested again and asked for an email confirmation. I have been told they will take care of it and it still appears to not be done. They should have my email on file from when I had applied with them in the first place. I have disputed the recent charges with my bank but still think it is worth it to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I participated in an event at XXXX XXXX near XXXX XXXX. I signed to pay for {$800.00} out of a {$1500.00} bill and the server made a mistake after the fact and charged my card the entire amount. The venue said theyd refund it in XXXX, but then never contacted me. I tried to resolve through Apple Card/Goldman Sachs , but they keep denying the dispute despite the evidence from the venue that they overcharged me. No one will give me my money back and I have no room in my budget to cover this. I need this take off my card and I am exhausted from 9 months of dealing with it and now only get ghosted by the venue and denied by Apple Card/Goldman Sachs despite acknowledgment that I should not have been charged. I need this fixed and I need my money credited back to my card because I can not afford to pay it and dont want to have interest charged for something I didnt sign for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 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: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
I am receiving collections from these companies, and I have no clue who these companies are

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: MA

Complaint narrative:
I first contacted US Bank with a phone call on XX/XX/XXXX. I requested that my Traditional IRA account be closed. I was told to complete a distribution form. I submitted the first form on XXXX XXXX XXXX and was told the account number was incorrect. I submitted a second distribution form on XX/XX/year> and was told the address was incorrect. I submitted a third distribution form on XX/XX/year> accompanied with a letter that detailed each account number, clearly labeled residential address & mailing address and a note explaining that I wanted to close the account and have a check issued to me. After several weeks, I had not received any information or funds from US Bank. I have attempted to resolve this matter over the phone, as there is not a bank branch in my state of Massachusetts. I have spoken to over 20 employees, various departments, the home bank branch in XXXX XXXX, California, had a virtual meeting with a branch representative from another state and emailed the CEO to resolve this issue. Since there was no resolution, I decided to roll the money out of US Bank into XXXX XXXX. I attempted this rollover three times. Eventually I was told to call the home bank branch. I called on XX/XX/year> to find out the status of my request. I was put on hold by XXXX XXXX for 30 minutes after asking to speak to the bank manager, XXXX XXXX, who never picked up. I called back and had to leave a message because nobody answered the phone. I called XXXX XXXX and they also called and had to leave a message requesting the paperwork be completed for the rollover. I have never heard back about the IRA rollover from US Bank. I do not know the status of my account and XXXX XXXX has alerted me that they have not heard from US Bank regarding this rollover. This process has been going on for 5 months and I do not know what else to do. Any help with this matter would be greatly appreciated.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I filed a claim for unauthorized transactions on my wells fargo checking account and they closed my claim without giving me any reason and won't look into my claim any further even though they didn't file it correctly, No mention of me losing my phone in the claim at all. The claim number is - XXXX Last 4 digits of the card used are - 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 2026-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MPOWER Financing, Public Benefit Corporation
State: NY

Complaint narrative:
On XX/XX/year>, I contacted MPower Financing to request an extension of my XXXX payments of {$520.00} for an additional 12 months. Since then, the payment amount has increased to {$780.00}, due on XX/XX/XXXX. I have made multiple attempts to contact the lender by email and through their customer service line at ( XXXX ) XXXX, without success. Although I have received automated confirmation receipts each time I emailed, as reflected in the attached documents, I have not received any substantive response from a representative. At present, it appears there is no active customer support assistance available to address this matter. I require an adjustment to my payment schedule, as the increase materially affects my financial circumstances, and any missed payments resulting from the lack of response may negatively impact my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am disputing a Transworld Systems Inc. account reporting on my consumer credit report as a closed account. I requested proper validation and verification of this account, including signed contracts, complete account history, proof of permissible purpose, and documentation establishing my legal obligation for the alleged debt/account. To date, the account continues to report without sufficient validation being provided. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a reasonable investigation and verification of the accuracy and completeness of the reporting. I am requesting the following : * A copy of the original signed agreement or contract * Complete payment and billing history * Documentation proving I authorized the account/services * Proof of permissible purpose for reporting my information * The date of first delinquency * Verification of the balance and reporting accuracy If the company can not properly validate and verify the account, I request deletion of the tradeline from all consumer reporting agencies. I also request that all communications regarding this matter be conducted in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent collection reporting associated with identity theft. I recently completed and submitted an FTC Identity Theft Report regarding accounts being reported by your company that I do not recognize and did not authorize. I formally disputed these accounts and requested investigation, validation, and removal pursuant to FCRA Section 605B, 15 U.S.C. 1681c-2. Despite my dispute and identity theft documentation, these accounts continue to be reported and/or collected upon, causing significant harm to my consumer reports and housing opportunities. I am requesting that the CFPB review this matter and require the company to : Conduct a proper investigation Provide full validation and supporting documentation Cease collection activity pending investigation Block and remove any fraudulent or unverifiable reporting Confirm the results of the investigation in writing Attached supporting documents include : FTC Identity Theft Report I am requesting immediate compliance with federal consumer protection laws and correction of my records.

Company response to consumer: Closed with explanation