vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 To Whom It May Concern, This letter is sent in response to the collection account referenced above. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide the following documentation : The name and address of the original creditor The original account number A copy of the original contract or agreement bearing my signature A complete itemized payment history, including how the balance of {$220.00} was calculated Proof that XXXX XXXX XXXX has legal authority to collect this debt, including assignment or bill of sale Proof that this debt is within the statute of limitations for collection in my state Verification that the account was accurately reported to XXXX XXXX and TransUnion Until this information is provided, you must cease all collection activity and cease reporting this account to the credit bureaus. If you are unable to provide proper validation, you are required to delete this account from all consumer reporting agencies. This letter is not a refusal to pay, but a request for verification of the alleged debt. Any continued reporting without validation will constitute a violation of the FDCPA and FCRA. Sincerely, 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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
An XXXX account reached out to me saying that they would like to use my photo as a reference for an art piece. They said I would get paid {$300.00} with the rest going towards supplies. They gave me the number of the client who they said would handle the payments. When I talked to the client ( XXXX, Im assuming because that was the name under the email used to send me the checks ), I was sent checks to deposit. I deposited them and later learned that they were fake checks. I was repeatedly asked to send money to different suppliers for the art supplies through XXXX XXXX, XXXX, and XXXX and even checked in multiple times to verify that this wasnt a scam but was lied to. The checks ended up bouncing and being withdrawn from my account and by the time I put an end to the situation, I had already lost {$1500.00} under deceptive circumstances. I was tricked into sending my own personal money out to these suppliers for the supplies for a painting that did not exist. My money was stolen from me under false pretenses and I am now being denied the ability to get it back by Wells Fargo. This took place on both XX/XX/XXXX and XXXX of 2026. I filed a claim on XX/XX/XXXX and it was closed/denied on XX/XX/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 2026-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Complaint Against Capital One Unfair Forfeiture of Rewards Balance After Account Closure ending in # XXXX. I am filing this complaint regarding the forfeiture of {$2900.00} in rewards ( approximately XXXX miles ) associated with my Capital One XXXX account, which was closed due to inactivity. I have been a Capital One customer for over 5 years, including use of XXXX XXXX products, and have maintained a positive relationship with the company. The rewards balance in question was accumulated through legitimate spending and responsible account usage. At the time of account closure, I was not provided with clear, prominent, and actionable notice that : My account was at risk of closure due to inactivity, and My entire rewards balance would be permanently forfeited upon closure This resulted in a substantial and immediate loss of nearly {$3000.00} in earned value. I believe this situation raises serious concerns under principles of fair consumer treatment, including : Inadequate disclosure of material terms related to rewards forfeiture Failure to provide meaningful advance notice prior to account closure A disproportionate penalty resulting in complete forfeiture of earned rewards Given the size of the forfeiture and my long-standing relationship as a customer, this outcome appears excessive and inconsistent with fair and transparent business practices. Requested Resolution : I respectfully request one of the following : Full reinstatement of the forfeited rewards balance ( approximately XXXX miles ), or A statement credit or equivalent compensation reflecting the fair value of the forfeited rewards I am seeking a reasonable and good-faith resolution and would prefer to continue my relationship with Capital One. However, the current outcome represents a significant and unexpected financial loss that I believe warrants review and correction. Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I sent a XXXX payment in the amount of {$220.00}. At the time of the transaction, the recipient name displayed in the XXXX system appeared as a business entity : XXXX XXXX XXXX XXXX. Based on this information, I reasonably believed that I was sending payment to a legitimate business. However, after the transaction was completed, I later learned that the funds were not received by the intended business. Instead, the payment was directed to a different individual or account that is not associated with the business name shown during the transaction. I immediately contacted Bank of America and filed a claim. I explained that I relied on the recipient name displayed in the XXXX system, which was misleading and caused me to reasonably believe I was paying the correct business. Bank of America denied my claim, stating that the transaction was authorized. I then requested a re-evaluation of the claim. Despite providing the same explanation, the bank upheld their original decision and did not provide a clear explanation as to why the recipient name displayed did not match the actual recipient of the funds. Additionally, I attempted to contact the recipient directly multiple times, but received no response. This situation is not simply a user error. The transaction was made based on misleading recipient information presented within the XXXX system. As a consumer, I relied on the name shown during the transaction, and I believe there was a lack of adequate safeguards to prevent this type of misleading payment scenario. I am requesting reimbursement of the {$220.00} and a proper investigation into how the recipient name displayed in the XXXX system did not match the actual recipient of the 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 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to dispute fraudulent/Inaccurate information on my credit report. The account listed as NORDSTROM/TD BANK US , account # XXXX has a charge-off amount of {$210.00} from XX/XX/XXXX - XX/XX/XXXX that were not made or authorized by me. I believe these transactions are the result of identity theft or fraud. I have only discovered that my accounts are delinquent through the credit apps such as XXXX, XXXX, and XXXX. I never received a statement in the mail, and the last time I reviewed my account, it was at a {$0.00} balance. When I contacted the credit agency I was told the only information they had available was the charge-off amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

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 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I got XXXX charges totaling up to {$1700.00} that Ive explained countless times that was not me and all Ive heard back is we dont have enough proof I havent been able to eat or pay bills and Ive XXXX that over and over that I did not authorize all XXXX of those transactions and its been almost XXXX weeks now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
When threatened with legal action, the original XXXX holder XXXX XXXX abandoned the loan to this collection agency. There is no possible scenerio in which XXXX XXXX released the XXXX with XXXX dollars. They claim they did not repo the vehicle yet it has had XXXX owners since it was towed from my possession. No notice for auction, no deficiency notice. It is not possible for this vehicle to have been transferred to a new owner without the XXXX being released and it is not possible that XXXX XXXX received XXXX dollars. My rights have been trampled on. Now Jefferson Capital is committing fraud reporting incorrect balances to credit agencies and attempting to collect a fraudulant amount of money when XXXX XXXXXXXX XXXX XXXX did not get XXXX dollars to release the title to a new owner after stealing my vehicle

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding identity theft involving fraudulent attempts to open financial accounts using my personal information. On or about XX/XX/year>, I received notifications from financial institutions that applications had been submitted in my name without my authorization. This includes XXXX XXXX XXXX XXXX, Capital One, and XXXX. The following personal information was used without my consent : -Social Security Number -Protected Safe at Home mailing address -Phone numbers associated with me -Email address created in my name I immediately took the following actions : -Filed an FTC Identity Theft Report ( # XXXX ) -Placed fraud alerts and credit freezes with all three credit bureaus -Reported the fraud directly to the institutions involved -Completed XXXX protections At this time, I am requesting : -Written confirmation that no accounts have been opened in my name -Removal of any unauthorized inquiries or records -Assurance that my information will not be used or retained improperly -Documentation of actions taken in response to this fraud This matter involves highly sensitive personal information and should be treated as identity theft with potential criminal implications. No financial loss has occurred at this time, but multiple fraudulent attempts were made. I have documentation available, including an FTC Identity Theft Report and supporting records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WV

Complaint narrative:
Complaint Against : XXXX XXXX I.C. System, Inc., XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Repeated re-reporting of invalid debt / inaccurate credit reporting I am filing this complaint regarding the continued reporting of a debt that is not valid and has been repeatedly re-reported through multiple collection agencies. I had service with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. My account was on Autopay and was paid in full at the time of closure. I never missed or made a late payment. On XX/XX/XXXX, XXXX ported my phone numbers to XXXX, which terminated my XXXX XXXX XXXX. I also instructed XXXX XXXX staff in person to cancel my account. My final bill dated XX/XX/XXXX reflected a {$0.00} balance. After my account was closed, XXXX XXXX generated additional charges beginning XX/XX/XXXX and continuing afterward. These charges were applied after service had ended. A collection account for this alleged debt first appeared on my XXXX report in late XXXX. I disputed it, and after investigation ( confirmation # XXXX, completed XX/XX/XXXX ), the account was removed and no longer appears on my XXXX credit report. Despite this, the same debt has been repeatedly re-reported through different collection agencies, including : - XXXX XXXX XXXX, XXXX ( XXXX ) - I.C. System, Inc. ( XXXX ) - XXXX XXXX XXXX XXXX ( prior reporting ) All accounts reflect the same original creditor ( XXXX XXXX ) and the same balance ( approximately {$100.00} ). Currently : - XXXX continues to report the account - XXXX has verified the account as accurate - XXXX has removed the account These inconsistent outcomes raise serious concerns about the accuracy of the reporting and the adequacy of the investigations conducted. No company has provided documentation showing valid service after XX/XX/XXXX. I have requested such documentation and none has been provided. Requested Resolution : - Immediate deletion of this account from all credit reporting agencies - Investigation into the repeated re-reporting of this same account through multiple collection agencies - Explanation of how this account continues to be reported after prior removal This matter has continued for years and has negatively impacted my otherwise excellent credit history. I am requesting a full review of the reporting practices involved and correction of this inaccurate information.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I was a victim of predatory lending practices by Montgomery Ward. The loan terms were unfair and misleading, and the account is being reported inaccurately. I dispute the accuracy, validity, ownership, and legal enforceability of this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 requires that all information reported be fair, accurate, complete, and fully verified. Furthermore, XXXX hold both credit bureaus and furnishers liable for reporting false, misleading, or unverifiable information. I am requesting a full reinvestigation, including but not limited to : Verification using original signed contract ( XXXX ) Documentation showing the account was reported with maximum possible accuracy The method of verification used to confirm this account If XXXX XXXX XXXX can not provide original, competent, and verifiable documentation, this account must be deleted immediately from my credit file pursuant to the FCRA. During the reinvestigation period, this account must not be reported as verified, nor should it be updated or re-aged. Any continued reporting of inaccurate or unverifiable information may constitute willful noncompliance. Please confirm in writing that this dispute has been received and is being investigated. Failure to properly reinvestigate may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Mt & t bank representatives refuse to open my personal and business accounts for no reason. I never owed any bank because a bank never gave me any loan. The employees are XXXXXXXX XXXX XXXX XXXX XXXXXXXX is turning into.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading reporting by U.S. Bank Corporation to XXXX, which has negatively impacted my ability to open and maintain banking relationships. On or about XX/XX/year>, U.S. Bank reported my account as account abuse with a balance of {$100.00}. This characterization is inaccurate and does not reflect the actual circumstances. I was not aware that the account had been closed at that time. Upon being informed, I promptly paid the full balance on XX/XX/XXXX, XXXXwithin 15 days of notice. There was no fraudulent activity, intentional misuse, or pattern of abuse associated with this account. The label of account abuse is misleading, damaging, and unsupported by the facts. Despite the account being paid in full, this negative reporting remains on my XXXX record. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and complete reporting. The continued reporting of this matter as account abuse is either inaccurate, unverifiable, or improperly classified. I have requested clarification and correction, but the issue has not been resolved. I am requesting the following actions : Immediate investigation of this reporting by U.S. Bank and XXXX Removal or correction of the account abuse designation Written confirmation that my record has been updated to reflect accurate information This inaccurate reporting has caused reputational and financial harm by limiting my access to basic banking services. I respectfully request that the CFPB ensure compliance with federal law and assist in resolving this matter promptly. Thank you for your attention to this complaint.

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 2026-03-24 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: NY

Complaint narrative:
I was a victim of predatory lending practices by Transworld System XXXX. The loan terms were unfair and misleading, and the account is being reported inaccurately. I dispute the accuracy, validity, ownership, and legal enforceability of this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 requires that all information reported be fair, accurate, complete, and fully verified. Furthermore, XXXX hold both credit bureaus and furnishers liable for reporting false, misleading, or unverifiable information. I am requesting a full reinvestigation, including but not limited to : Verification using original signed contract ( s ) Documentation showing the account was reported with maximum possible accuracy The method of verification used to confirm this account If XXXX XXXX XXXX can not provide original, competent, and verifiable documentation, this account must be deleted immediately from my credit file pursuant to the FCRA. During the reinvestigation period, this account must not be reported as verified, nor should it be updated or re-aged. Any continued reporting of inaccurate or unverifiable information may constitute willful noncompliance. Please confirm in writing that this dispute has been received and is being investigated. Failure to properly reinvestigate may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp.
State: IA

Complaint narrative:
I am filing a complaint regarding an auto loan issued by United Auto Credit for XXXX XXXX XXXX XXXX XXXX ( VIN : XXXX ). The vehicle was sold with a serious pre-existing mechanical defect, specifically excessive oil consumption, which began the day after purchase. Despite spending over {$4000.00} on repairs, the issue persists and has resulted in repeated breakdowns, making the vehicle unreliable and unfit for its intended business use. I believe the lender financed a defective vehicle and I am formally disputing the loan obligation associated with this transaction. I have also filed complaints against the selling dealer for misrepresentation. I am requesting assistance in resolving this matter, including review of the loan and potential relief options due to the defective condition of the vehicle.

Company response to consumer: Closed with explanation