vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
I received a {$50.00} XXXX gift card in XXXX as a gift. The card ending in XXXX shows an expiration date of XX/XX/XXXX. Shortly after receiving the card, I spent an extended period abroad and was therefore unable to use it. When I recently returned to the United States and attempted to use the card, I discovered that the balance had been reduced to {$0.00} due to inactivity fees. On XX/XX/XXXX, I contacted the customer service number listed for the card ( XXXX ) on XXXX separate occasions to inquire about the balance and whether the funds could be restored. During these calls, I received inconsistent information from representatives regarding the card balance and possible remedies. During XXXX of the calls, I was transferred to a XXXX who spoke in an aggressive and dismissive manner. During the conversation, she stated that she had more important problems to deal with and referenced XXXX XXXX support issues that were unrelated to my inquiry. Despite my attempts to remain professional and explain the situation, she refused to provide assistance or guidance on how to resolve the issue with the card balance. The interaction was unprofessional and made it difficult to obtain meaningful help regarding the matter. On another call, a representative declined to assist me because the card was not purchased in my name, despite the fact that it was provided to me as a gift card. As a result, I have been unable to obtain a clear explanation of the inactivity fee policy that resulted in the balance being reduced to {$0.00} or any meaningful assistance in resolving the issue. Given these circumstances, I respectfully request either a full or partial restoration of the original {$50.00} balance or the issuance of a replacement card reflecting the remaining funds. I would also appreciate a clear explanation of the inactivity fee policy that led to the depletion of the card balance. Thank you for your time and consideration. I hope this matter can be reviewed and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Since XX/XX/year>, Bank of America XXXX XXXX has been taking double payments from both of my credit card account accounts with them as well as an additional payment amount resulting in around {$3000.00} of unauthorized payments. I have called them several times and spent hours on the phone trying to fix this problem and this evening I spent XXXX hours on the phone with them and still do not have a resolution because they are refusing to remove my personal bank account from their system. I have had them cancel the double payments several times and then someone goes back in on their end and restarts them. This is why I must have my bank account removed from their system and like I said they are refusing.

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 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE INACCURATE AND DO NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My bankruptcy shouldve been XXXX in XXXX is still showing on my credit report that the XXXX date was in XXXX technically that shouldve been XXXX and removed and blocked from my credit profile in XXXX. It is XXXX XX/XX/XXXX and Im still visibly showing all my credit report reports for experience XXXX and XXXX show the resolution that I would like is for to be blocked and removed permanently from 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 explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I was told that I used an ATM that is not apart of SOFI that I could get reimbursed for the fee but I haven't, I even made contact that I would get reimbursed for the fees and I don't see anything. I'm on vacation with my family from out of town and we are trying to have a good time but not once Have i seen any reimbursement for the date of XX/XX/year>, and XXXX transaction on XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because there are collection accounts on my credit report that do not belong to me. I check my credit regularly, and these accounts showed up without my knowledge or permission. I never authorized this, and I am extremely frustrated that this inaccurate information is being reported under my name.

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 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Equifax, TransUnion, Experian , and the furnisher XXXXXXXX XXXX XXXX regarding materially inconsistent and inaccurate reporting of two mortgage tradelines that appear differently across all three nationwide consumer reporting agencies despite identical balances and opening dates, creating conflicting delinquency severity that impacts my credit standing ; the first account is reported by Equifax as XXXXXXXX XXXX Account # XXXX with a balance of {$59000.00}, date opened XX/XX/year>, reflecting a XXXX late payment for XX/XX/year>, while the same obligation is reported by TransUnion as XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$59000.00}, date opened XX/XX/year>, reflecting a 30-day late payment for XX/XX/year>, and reported by Experian as XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$59000.00}, date opened XX/XX/year>, also reflecting a 30-day late payment for XX/XX/year>, and the second mortgage account is reported by Equifax as XXXX XXXX Account # XXXX with a balance of {$58000.00}, date opened XX/XX/year>, reflecting a XXXX late payment for XX/XX/year>, while TransUnion reports XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$58000.00}, date opened XX/XX/year>, reflecting a XXXX late payment for XX/XX/year>, and Experian reports XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$58000.00}, date opened XX/XX/year>, also reflecting a 30-day late payment for XX/XX/year>, and because the balances and opening dates match exactly across all three bureaus, there is no dispute regarding account identity, yet the inconsistent reporting of 60-day late versus 30-day late for the same month and year constitutes inaccurate and conflicting information in violation of FCRA 611 ( 15 U.S.C. 1681i ) requiring reasonable reinvestigation, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update inaccurate information, FCRA 623 ( b ) requiring proper investigation upon notice of dispute, and 15 U.S.C. 1666 and 1666a concerning correction of billing errors and creditor restrictions during dispute, as the difference in delinquency severity materially affects credit scoring models, underwriting review, and overall creditworthiness, and the failure of these agencies and the furnisher to maintain consistent and maximum possible accuracy across all nationwide consumer reporting agencies has resulted in harm to my credit profile and financial standing.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding Wells Fargos handling of a fraud claim related to an ACH XXXX XXXX transaction from my business checking account. On XX/XX/year>, I received an email from someone impersonating my contractor, XXXX XXXX, who is a guitar instructor associated with XXXX XXXXXXXX XXXX XXXX XXXX The impersonator requested that I update XXXX direct deposit banking information and provided new account details at XXXX XXXX XXXX. Believing the request to be legitimate, I updated the payment information and processed payroll through Wells Fargo XXXX XXXX on XX/XX/year>. During that payroll run, a payment of {$740.00} was sent to the bank account provided by the impersonator. Shortly afterward, the real XXXX XXXX contacted me and confirmed that he never requested a change to his direct deposit information and never received the payment. At that point it became clear that I had been the victim of an impersonation scam and that the funds had been diverted to a fraudulent account. To ensure that my contractor received his wages, I issued a separate payment of {$740.00} to XXXX XXXX through XXXX on XX/XX/year>. This XXXX payment was legitimate and unrelated to the fraud. I reported the fraudulent transaction to Wells Fargo and requested reimbursement of the diverted funds. However, Wells Fargo closed the claim and determined that the payment had been processed as requested, without addressing the fact that the request itself was based on impersonation fraud. This transaction should be reviewed under Regulation E of the Electronic Fund Transfer Act ( 12 CFR 1005 ), which defines an unauthorized electronic fund transfer as one initiated by a person other than the consumer without actual authority and from which the consumer receives no benefit. The payment was initiated based on fraudulent misrepresentation by a third party impersonating a known contractor. The funds were diverted to a XXXXXXXX XXXX XXXX account that does not belong to the intended payee, and I received no benefit from the transaction. I am requesting that Wells Fargo : Reopen the fraud claim and properly review the transaction as ACH fraud involving impersonation. Investigate the receiving account at XXXXXXXX XXXX XXXX that received the diverted funds. Attempt recovery of the funds through the receiving institution. Reimburse the {$740.00} that was fraudulently diverted as a result of the impersonation scam. This was not a normal payment dispute but a clear case of third-party impersonation fraud that resulted in misdirected funds. Wells Fargos investigation did not properly evaluate the fraud circumstances and incorrectly closed the claim. I respectfully request regulatory review and assistance in requiring Wells Fargo to properly investigate and resolve this matter.

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 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Receiving statements with late fees due of {$28.00} for statement dates XX/XX/XXXXXXXX and another late fee of {$57.00} for statement dated XX/XX/XXXX. Paid up to XX/XX/XXXXXXXX with the payment of {$580.00} made on the XX/XX/XXXX. Have refused to credit the auto loan account with the extra {$3.00} I have been making since XXXX, XXXX. Have sent them my payment history for the past 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I don't know who to turn to or if I have any recourse. This was my Social Security money, I didn't even get a chance to pay my bills and now, no way to catch them up. XX/XX/year>XXXX I received a call from a lady who said she was from Bank of America fraud department and asked me if I was traveling in XXXX XXXX as there were two charges that were placed and one was processed. I look on my account and saw the transaction she mentioned. She said I would need to change my pin and card. She sent an XXXX XXXX to pick up my card so they could run a scan of where my information was leaked. I have seen these types of things before and with AI and all, it didn't sound unreasonable. Then I was able to get into my account after that. She told me she would overnight a new card and the {$15.00} fee would be waived. I waited the entire next day and no card and still could not get into my account. Thursday, XXXX, I waited until XXXX XXXX and then called Bank of America. They put me in touch with the fraud department where I learned they don't do that kind of thing. She helped me to get into my account and that's when I saw {$2000.00} was taken out. This was my income, my means to pay bills. I filed a report with the bank. They denied me claiming " I gave them permission! '' Really? I gave them permission to steal my money!! I called again and filed an appeal. Just got that response with same result, " denied. you gave them permission. '' I also filed a report with the sheriff 's office as well.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I have previously requested these and was met with unprofessional behaviors and tactics. I was also told they would not provide any information, including telling me who they were. Granted, I am the one that had made the call as I have never received any requests in regard to this debt and only found out about it when I had opened my credit score and found this sitting there. I never opened any new accounts in XXXX ( dated item is from XXXX ). A lot of the information is inaccurate and does not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft and I am not aware of these 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 explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I was XXXX in college, Fall of XXXX, I was scammed by a random dude. He sent me fake checks and I cashed them and sent them to him just for them to bounce. I was XXXX and young. I was out thousands as a broke XXXX XXXX. I immediately filed a claim with Bank of America. Within a few months they told me my claim was processed and it was approved. The people on the phone said the account was just going to be closed out and XXXX and called no fault. I wasnt going to owe any money whatsoever is what they said. Two years went by and what they said was true. I opened a new checking account and for two years took out and deposited money into it. In XX/XX/XXXXXXXX maybe a bit later, I got a big boy job and made some money. As I got my first pay check, suddenly ALL of the money was taken out of the account. Just gone. I called Bank of America and it took TWO DAYS and HOURS of chatting with multiple people just to get told specifically by one agent that, Im so sorry I dont know what those agents said to you but they grossly lied to you. You actually owe all that money back to Bank of America and it will be taken out of any account you make. That ruined my life. I couldnt open any accounts. I couldnt make any payments to even help my credit situation. I was XXXX, and I made a bad financial investment. But then again Bank of America allowed the approval of checks and stuff without verification to a XXXX XXXX XXXX and made bad financial investments as well. Why am I being held accountable for decisions I made when I was young and negligent when Bank of America was a whole organization and had years of financial experience. They approved of me taking out the money from the checks before the funds were even located!!! Why am I being held accountable for their actions? Im calling them right now even and Ive been on hold for an hour now talked to 5 different people and been referred to 5 people departments and told the same story multiple times. It seems like they are actively preventing me from trying to get help. It seems everything is lost, suddenly theres new information or theres a new person I need to talk to. I can never get into contact with a supervisor. They removed the account so I cant even see any records of anything. This feels illegal! Im stuck because I cant contact anyone and nobody gives me answers! I would be homeless if it wasnt for my parents offering me housing! And its because Bank of America LIED TO ME!

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 2026-03-05 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
my experience with PayPal regarding a transaction that resulted in a financial loss of {$1100.00}. I made a purchase through PayPal believing that the transaction was legitimate and that I would receive the product that I paid for. However, the item I purchased was never properly delivered to me. Despite this, the seller provided information to PayPal that was accepted as proof of delivery, even though I never received the package. As soon as I realized that the product had not been delivered, I took immediate action. I contacted the seller and opened a dispute through PayPals Resolution Center explaining that I did not receive the item. I also provided additional evidence, including a police report and documentation supporting my claim that the transaction may have been connected to fraudulent activity. Unfortunately, despite submitting this evidence and cooperating fully with the investigation, the dispute was ultimately decided in favor of the seller. As a result, I suffered a financial loss of {$1100.00}. This situation has caused significant frustration and concern for me because I relied on PayPals buyer protection policies when making the purchase. I acted in good faith, reported the issue promptly, and provided all the information requested during the investigation. I am respectfully requesting that this case be reviewed again and that a thorough fraud investigation be conducted to determine whether the transaction and the sellers proof of delivery were legitimate. I believe that the circumstances surrounding this purchase justify a second review so that the matter can be resolved fairly. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation