vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I am filing this complaint because Bank of America has not resolved this identity-theft matter to the proper standard. Bank of America confirmed in writing that multiple accounts opened under my name were not opened by me and that I was not the person responsible for opening those accounts. However, I am still experiencing restrictions and issues when attempting to apply for a legitimate Bank of America credit card. I discovered the issue when I went to a Bank of America branch to apply for a Bank of America credit card. During the application process, a message appeared stating that my profile was restricted from opening accounts and referenced contacting Bank of America at XXXX. When I contacted Bank of America, I was informed that accounts had been opened under my name. I never opened or maintained Bank of America accounts. I filed fraud claims with Bank of America regarding the unauthorized accounts. Bank of America later issued multiple written resolution letters dated XX/XX/year>. In those letters, Bank of America stated that it completed its research and determined that I was not the person responsible for opening the accounts, that my claims were honored, and that the accounts were closed. The resolution letters reference multiple unauthorized accounts or claims, including accounts ending in XXXX, XXXX, XXXX, and XXXX. Despite Bank of America confirming that I was not responsible for these accounts, the matter has not been fully corrected. My Bank of America profile still appears to carry an internal restriction, fraud flag, identity-theft flag, account-opening restriction, or other adverse coding that continues to interfere with my ability to apply for legitimate Bank of America products . Bank of Americas resolution is incomplete if the fraudulent accounts were closed but the related restrictions, internal records, application blocks, consumer-reporting records, or risk codes remain attached to my identity. The continued restriction means the identity-theft issue has not been fully remediated.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This account says it was opened XXXX of XXXX. I have no knowledge of this account and did not authorize anyone to open it. I am a victim of identity theft. I have tried to dispute ownership of the account several times. It was deleted then they put it back on my credit report.

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 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SLM CORPORATION
State: NY

Complaint narrative:
Every month I have a total of around {$250.00} to pay. XXXX of the loans being {$70.00} a month and the other loan being {$170.00}. On my student low payment history, it is only showing {$70.00} being deducted from my loans. I only found this out now when I realize that my interest is increasing dramatically next month. I have been paying the total every month and I dont see {$170.00} being deducted from my history. Therefore, my loan is insanely high. I have proof of screenshots from each month of me paying off my loans. Quite frankly, I am panicking because I dont know what to do. Im hoping that this can be solved because I am very stressed right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
Consumer : XXXX XXXX XXXX Company Complained About : Security Credit Services LLC Complaint Details : Security Credit Services LLC is reporting a collection account on my XXXX credit report with a balance of approximately {$1600.00}. I dispute this reporting because the company has not provided sufficient documentation supporting : 1. The origin of the debt ; 2. The amount claimed ; 3. Their authority to collect ; 4. Their authority to furnish information to credit bureaus. Consumers should not be subjected to credit damage from unverifiable collection accounts. Continued reporting without substantiation may violate federal consumer reporting requirements. Requested Resolution : 1. Immediate deletion of this collection account ; 2. Written confirmation of deletion ; 3. Cessation of further reporting absent proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/year>, my credit card account began reflecting an incorrect balance due to charges that I disputed with Chase. I immediately contacted the company and initiated a billing dispute regarding these charges. While the dispute was ongoing, I continued making consistent good-faith payments of approximately {$500.00} per month, despite the balance being inaccurate. At no point was I clearly informed that I needed to pay the full balance in order to avoid delinquency while the dispute was under review. In XX/XX/year>, Chase corrected the balance, confirming that the charges in question were indeed inaccurate. However, despite correcting the balance, Chase reported my account as 90+ days past due and proceeded to close the account. This reporting does not accurately reflect my payment behavior or the status of the account during the dispute period. I made consistent payments and actively worked to resolve the issue. The delinquency appears to be the result of improper handling of the billing dispute and failure to properly account for payments made during that time. I have attempted to resolve this matter directly with Chase, but the issue remains unresolved. The inaccurate reporting is negatively impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
At the home that I purchased should never have been sold for anyone to live in. 6 months after purchasing the home I had to have a mold test done since my kids and I were becoming very ill. XXXX XXXX XXXX XXXX in the air of multiple rooms in the house. Wasn't very surprising due to the exponential amount of water damage that had become even more evident once more damage happened. There were no repairs ever done to the house. Just paint and spackle to cover the evidence. After going over the appraisal and the inspection, the pictures that were sent for my XXXX appraisal were cropped. Nothing was ever repaired. The damage was hidden. Falsified in the documents. And from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I was paying with one company Nelnet, then i believe it got sold or changed to XXXX. I was confused as to what happened. I have been paying with one company then it all changed over.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
SoFi closed my account today without any explanation and I get my monthly XXXX XXXX in this account tomorrow and I have no idea why my account was closed and where my monthly XXXX XXXX check is gon na go tomorrow and this mess with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Account was opened XX/XX/year> and says I owe a balance of {$28.00} dollars. I disputed with credit bureaus XXXX/XXXX and they refused to remove account even though it was opened fraudulently and without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NM

Complaint narrative:
On or about XX/XX/year>, a series of unauthorized debit card transactions totaling {$12000.00} were made from my account through an online gambling platform. These transactions were not authorized by me and were made without my knowledge or consent. I discovered the unauthorized activity and reported it to my financial institution, Chime, on XX/XX/year>. I immediately disputed the transactions and requested reimbursement under the protections provided by the Electronic Fund Transfer Act and Regulation E, which cover unauthorized electronic fund transfers. Despite timely reporting and my clear statement that these transactions were unauthorized, the company issued a denial of my claim ( Claim ID : XXXX ) after conducting what they described as an internal investigation. I was not provided with sufficient documentation or evidence supporting their conclusion, nor was I given a clear explanation of how they determined the transactions were authorized. After the denial, I contacted the company again and was informed that the claim could not be reopened without new evidence, even though I have consistently maintained that I did not authorize these transactions. On XX/XX/year>, I filed a police report regarding the unauthorized activity ( Case Number : XXXX ) with my local law enforcement agency. This report serves as additional documentation that the transactions were fraudulent. The company has not issued provisional credit within the required timeframe, nor have they complied with their obligations to properly investigate and resolve unauthorized transaction disputes. As a result, I have been deprived of access to my funds, causing significant financial hardship. I am requesting that the company : * Reopen and properly investigate my claim in compliance with federal law * Provide all documentation and evidence used in their determination * Issue immediate reimbursement for the unauthorized transactions * Comply with all requirements under Regulation E regarding error resolution and consumer protections The transactions in question were unauthorized, and I acted promptly in reporting them. The companys failure to resolve this matter appropriately is not consistent with its obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Date credit opened XX/XX/year>. Amount of {$4700.00}. I have disputed this collection on XXXX multiple times over the past few years, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
Target sold my account to XXXX XXXX. I contacted XXXX XXXX. They confirmed the account has been settled for over XXXX years but Target was never notified. I asked for a confirmation letter twice now stating the account had been settled. I still have not received the letter from XXXX XXXX XXXX. Target is reporting a balance {$540.00} past due the account is still in collections with a balance but it was resolved in XXXX / XXXX. This is impacting my credit score and I am working on rebuilding my credit to be approved for housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable collection reporting on my credit file. ACCOUNT REPORTED Creditor : Aldous & Associates Account Number : XXXX Original Creditor : XXXX XXXX Balance Reported : {$150.00} Status : Collection Account This account is being reported as a collection account ; however, I have not been provided with sufficient documentation to verify the validity, ownership, or legal enforceability of this debt. Specifically : 1-No signed contract or membership agreement has been provided. 2-No complete billing ledger or itemized accounting has been provided 3-No proof has been provided that Aldous & Associates has legal authority to collect this debt No chain of assignment or transfer documentation has been provided from XXXX XXXX to Aldous & Associates I am requesting validation of this alleged debt, including : Original membership or service signed agreement. Full itemized billing statement. Documentation showing the date, nature, and reason for the charges. Proof of assignment or collection authority. To date, this information has not been provided. Without proper documentation, this debt can not be considered verified. FCRA VIOLATIONS : FCRA 1681i Failure to Conduct a Reasonable Investigation Since the account has been disputed, the credit bureau and furnisher are required to conduct a reasonable investigation. A generic verified response without supporting documentation does not meet this legal standard. FDCPA VALIDATION CONCERNS : As a third-party collection agency, Aldous & Associates must be able to validate : The legitimacy of the debt The amount owed Their legal right to collect Failure to provide this information raises concerns regarding compliance with federal debt collection standards. This account is being reported as a collection account. Under XXXX XXXX standards : Collection data must be complete Account status must be accurate Reporting must not be misleading or incomplete Without proper documentation, this reporting may not meet industry standards for accuracy and consistency. This account is being reported as a collection account. Under XXXX XXXX standards : Collection data must be complete Account status must be accurate Reporting must not be misleading or incomplete Without proper documentation, this reporting may not meet industry standards for accuracy and consistency. This account is being reported as a collection account. Under XXXX XXXX standards : Collection data must be complete Account status must be accurate Reporting must not be misleading or incomplete Without proper documentation, this reporting may not meet industry standards for accuracy and consistency. The burden of proof rests with the furnisher and collection agency. I am not required to prove that this debt is invalid. Aldous & Associates must prove : That the debt is valid by providing the signed documents for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I sent a formal Debt Validation Letter via certified mail to Midland Credit Management under 15 U.S.C. 1692g ( b ) requesting validation of two accounts with balances of {$680.00} and {$620.00} respectively, both originally from credit card debt. Midland Credit Management never responded to my validation request for either account. However, approximately XXXX days after receiving my letter, Midland updated BOTH accounts simultaneously on XXXX, changing the Date of Last Activity on both accounts. Under 15 U.S.C. 1692g ( b ), once a consumer requests debt validation, the collector must cease all collection activity until the debt is validated. Updating a credit report is considered collection activity. Midland failed to validate either debt but continued collection activity on both accounts the same day demonstrating a systematic pattern of FDCPA violations. Additionally both accounts show identical inconsistencies between bureaus including different Account Status and different Date Opened between XXXX and XXXX. I am requesting the CFPB investigate Midland Credit Management for violating 15 U.S.C. 1692g ( b ) on both accounts and order the immediate deletion of both accounts from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing a debt that is being reported on my credit report by Jefferson Capital Systems in the amount of {$230.00} related to a former XXXX account. I previously had XXXX XXXX XXXX XXXX, which I canceled on XX/XX/year> due to ongoing service issues. On that same date, I returned the equipment in-store and contacted XXXX customer service to cancel the service. During that call, I was informed by a XXXX representative that if I made a partial payment of {$34.00}, my account would be considered paid in full and no additional charges would be due. I relied on that information and made the payment. After this, I was informed by XXXX XXXX XXXX XXXX in writing that my account had been reviewed, credits were applied, and my account balance was {$0.00} with no remaining balance or additional accounts. Despite this, a new collection account for {$230.00} later appeared on my credit report through Jefferson Capital Systems. I contacted XXXX to request clarification and account details, but I was told they no longer had access to the account and that it had been sold to the collection agency. No account number, billing statement, or explanation for the {$230.00} balance was provided. I have never received any billing statements or notice for this alleged debt prior to it appearing on my credit report, and I was previously told by XXXX that my account was fully resolved with a XXXX balance. I am disputing this debt as not being accurate or properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am a co-borrower on an alleged debt currently being collected by Caine & Weiner. The primary borrower filed XXXX XXXX bankruptcy on XX/XX/year>. Despite this, the company has engaged in repeated and aggressive communications directed toward me. These communications include multiple phone calls, text messages, and conduct that I believe constitutes harassment under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). The frequency and nature of the contact is excessive and appears intended to pressure payment through repeated communication. I am requesting that the company : Cease all harassing or excessive telephone contact Limit all communication to written correspondence Provide full validation of the alleged debt I am documenting all communications and will pursue further action if this conduct continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I was made aware Wells Fargo was suspending XXXX XXXX and under the impression my account was to be closed. I checked my XXXX portal every single day XXXX and was not showing a balance. Without my knowledge something posted on my account during the transition which I did not see due to it not showing in the portal, and Wells Fargo transferred the balance to a new account I had no knowledge was created. I could not see a balance and I do not have access to this account. I only found out through a hit on my credit, and am shocked they were able to create a new account without establishing any form of contact with me, without anything showing in the XXXX portal regarding an existing balance. This has now screwed up 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 non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
am filing a complaint regarding a Bank of America credit card account that has been reported as a charge-off with a balance of approximately {$5000.00}. This account did not become delinquent due to standard non-payment. The delinquency was directly caused by a fraud situation involving my Bank of America checking account. At the time, funds were credited back to me as part of a fraud claim, and those funds were later reversed by the bank. That reversal caused my account to go negative and directly prevented me from making my credit card payments. This sequence of events led to the charge-off now being reported. I have contacted Bank of America multiple times to explain this situation and request a review, but I have only been told that the checking and credit card accounts are separate, without any investigation into how the banks actions contributed to the delinquency. I am requesting A full investigation into the handling of the fraud claim and subsequent reversal Correction or removal of the charge-off from my credit report Documentation verifying the accuracy of this reporting This account is being reported as a valid charge-off, but the delinquency was caused by bank-handled account activity, not consumer negle

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