vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: ID

Complaint narrative:
I am filing this complaint because a collection account that does not belong to me continues to be reported on my credit report despite my repeated efforts to resolve the matter. I first became aware of this collection account in XX/XX/2026 when I reviewed my credit report. Since that time, I have disputed the account on multiple occasions with XXXXXX/XX/XXXXEastern Account System , Inc., and the credit bureaus. I have submitted multiple disputes, made numerous phone calls, sent written correspondence and emails, and followed every dispute process I have been instructed to complete. Despite these repeated efforts, the account continues to be reported on my credit file. I have never been a customer of XXXX or XXXX. I have never applied for, opened, or authorized an account with either company, and I have no knowledge of the alleged account other than its appearance on my credit report. I also contacted XXXX to report the account as fraudulent. However, my fraud claim was closed because I was unable to provide the XXXX account number. Since I have never had an account with Xfinity, I do not have and can not reasonably be expected to provide an account number for an account that I maintain is not mine. Closing my fraud claim on that basis prevented a meaningful investigation into my claim. To date, no one has provided documentation demonstrating that I opened or authorized this account. I have not been provided a signed service agreement, application, or any other evidence establishing that I am responsible for the alleged debt. This inaccurate collection account continues to negatively impact my credit despite my repeated good-faith efforts to resolve the issue through every avenue made available to me. I respectfully request that XXXX reopen and complete a meaningful fraud investigation using my identifying information rather than requiring an account number for an account I never opened. If the account can not be verified as belonging to me, I request that XXXX immediately notify Eastern Account System , Inc. and all consumer reporting agencies to delete the account from my credit reports. I also request that Eastern Account System , Inc. and the credit bureaus remove this account unless they can provide competent evidence establishing that I am the individual who opened or authorized the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I have been trying XXXX dispute these charges since the beginning XXXX Fortiva will not do anything about them. I am still paying for charges that had nothing XXXX do with me XXXX I don't believe that is right. My balance is now over {$1600.00} XXXX my limit is only {$2000.00}. That balance is including charges I've tried XXXX dispute XXXX new charges. My card was stolen XXXX I reported it XXXX Fortiva themselves. The charges below are fraud : XX/XX/XXXX : XXXX {$69.00} ( fraud ) XX/XX/XXXX : XXXX {$8.00} ( fraud ) XX/XX/XXXX : XXXX {$13.00} ( fraud ) XX/XX/XXXX : XXXX {$7.00} ( fraud ) XX/XX/XXXX : XXXX {$12.00} ( fraud ) XX/XX/XXXX : XXXX {$4.00} ( fraud ) XX/XX/XXXX : XXXX {$8.00} ( fraud ) XX/XX/XXXX : XXXX {$5.00} ( fraud ) XX/XX/XXXX : XXXX {$8.00} ( fraud ) XX/XX/XXXX : XXXX {$14.00} ( fraud ) XX/XX/XXXX : XXXX {$6.00} ( fraud ) XX/XX/XXXX : XXXX {$5.00} XX/XX/XXXX : XXXX {$11.00} ( fraud ) XX/XX/XXXX : XXXX {$13.00} ( FRAUD ) XX/XX/XXXX : XXXX {$46.00} ( FRAUD ) XX/XX/XXXX : XXXX {$5.00} ( FRAUD ) XX/XX/XXXX : XXXX {$7.00} ( FRAUD ) XX/XX/XXXX : XXXX XXXX ( FRAUD ) XX/XX/XXXX : XXXX {$8.00} ( FRAUD ) XX/XX/XXXX : XXXX XXXX ( FRAUD ) XX/XX/XXXX : XXXX {$5.00} ( FRAUD ) XX/XX/XXXX : XXXX {$10.00} ( FRAUD ) XX/XX/XXXX : XXXX {$10.00} ( FRAUD ) XX/XX/XXXX : XXXX {$9.00} ( FRAUD ) XX/XX/XXXX : XXXX {$8.00} ( FRAUD ) XX/XX/XXXX : XXXX {$12.00} ( FRAUD ) XX/XX/XXXX : XXXX {$9.00} ( FRAUD ) XX/XX/XXXX : XXXX {$8.00} ( FRAUD ) XX/XX/XXXX : XXXX {$8.00} ( FRAUD ) XX/XX/XXXX : XXXX {$4.00} ( FRAUD ) XX/XX/XXXX : XXXX {$14.00} ( FRAUD ) XX/XX/XXXX : XXXX {$1.00} ( FRAUD ) XX/XX/XXXX : XXXX {$8.00} ( FRAUD ) XX/XX/XXXX : XXXX {$31.00} ( FRAUD ) XX/XX/XXXX : XXXX {$2.00} ( FRAUD ) XX/XX/XXXX : XXXX {$20.00} ( FRAUD ) XX/XX/XXXX : XXXX {$6.00} ( FRAUD ) XX/XX/XXXX : XXXX {$9.00} ( FRAUD ) XX/XX/XXXX : XXXX {$12.00} ( FRAUD ) XX/XX/XXXX : DOLLAR TREE {$13.00} ( FRAUD ) XX/XX/XXXX : XXXX {$9.00} ( FRAUD ) XX/XX/XXXX : DOLLAR TREE {$48.00} ( FRAUD ) XX/XX/XXXX : XXXX XXXX : {$38.00} ( FRAUD ) XX/XX/XXXX : DOLLAR GENERAL {$34.00} ( FRAUD ) XX/XX/XXXX : DOLLAR TREE {$24.00} ( FRAUD ) XX/XX/XXXX : XXXX {$110.00} ( FRAUD ) XX/XX/XXXX : SPARKLE CAR WASH {$12.00} ( FRAUD ) XX/XX/XXXX : STAGE CLIP {$19.00} ( FRAUD ) XX/XX/XXXX : XXXX {$6.00} ( FRAUD ) XX/XX/XXXX : XXXX {$140.00} XX/XX/XXXX : XXXX {$6.00} XX/XX/XXXX : POPEYES {$9.00} XX/XX/XXXX : DOLLAR GENERAL {$38.00} XX/XX/XXXX : CHICK-FIL-A {$8.00} XX/XX/XXXX : XXXX XXXX {$50.00} All of these charges are fraud XXXX I should not be responsible for something when my card was stolen XXXX, including this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am submitting this formal complaint against Wells Fargo Bank regarding the wrongful withholding of {$44000.00} in business funds since XX/XX/XXXX. On XX/XX/XXXX, I opened a new Wells Fargo business account and deposited a {$44000.00} check to fund the account. Wells Fargo subsequently flagged the deposit as fraudulent and closed the account without notice or explanation. To date, my funds have not been returned. I took immediate steps to resolve this matter directly with the bank : The issuer of the check the owner of the company from which the funds originated visited a Wells Fargo branch in person to provide proof that the check was legitimate and not fraudulent. Despite this, Wells Fargo has provided no explanation for continuing to withhold the funds. I have maintained multiple Wells Fargo business accounts in good standing since XXXX. This history was not taken into consideration during their review. I escalated the matter by sending a written letter directly to the Wells Fargo CEO. An executive assistant contacted me and acknowledged the issue, stating it would be resolved. That was over two weeks ago. I have since been unable to reach anyone at the executive level and have received no further communication. It has now been over three months since these funds were withheld on XX/XX/XXXX. This has caused direct financial harm to my business operations. I am requesting that the CFPB investigate this matter and compel Wells Fargo to return my funds of {$44000.00} immediately and provide a written explanation for their actions. I am prepared to provide any supporting documentation upon request, including bank statements, correspondence with Wells Fargo, and confirmation from the check issuer.

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 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Herbert P. Sears Co., Inc.
State: NV

Complaint narrative:
I am submitting this complaint because an HP Sears account is being reported on my consumer credit report that I did not open, authorize, or benefit from. I recently discovered this account while reviewing my credit reports. According XXXX my FTC Identity Theft Report ( Report XXXX. XXXX ), I am a victim of identity theft. I have no knowledge of this account XXXX never applied for or authorized credit with HP Sears. My Identity Theft Report specifically identifies the HP Sears account ending in XXXX as fraudulent, with an approximate balance of {$7400.00}. This fraudulent account has negatively impacted my credit profile XXXX financial standing. Upon discovering the fraud, I immediately took steps XXXX protect myself by filing an FTC Identity Theft Report, disputing the account with the credit reporting agencies, XXXX placing security measures on my credit files. My Identity Theft Report also documents that fraudulent accounts XXXX unauthorized inquiries appeared on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), including Sections XXXX XXXX XXXX, I am requesting that HP Sears : Conduct a reasonable investigation into this fraudulent account. Cease reporting this account as mine. Remove or instruct the credit reporting agencies XXXX permanently delete this account from all consumer credit reports. Provide written confirmation that the account has been removed XXXX that I have no liability for this fraudulent debt. I am not responsible for this account, XXXX I request that this matter be resolved promptly in accordance with the protections afforded XXXX victims of identity theft under federal law. Thank you for your prompt attention XXXX this matter.

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has XXXX be the sleaziest. slimiest, most corrupt, dishonest Bank in the United States, bar none. This is my XXXX complaint regarding these scumbags. My prior complaints have been XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX again on XX/XX/XXXX XXXX the most egregious yet today XX/XX/XXXX. Bank of America has deliberately not provided me with any of their responses XXXX my complaints until I went in person XXXX a XXXX XXXX in XXXX, Georgia XXXX complain in person on XX/XX/XXXX. They told me they couldn't e-mail me a copy of the report " for my protection, '' per XXXX XXXX. Supposedly I would have XXXX give them preauthorization. I had XXXX go back XXXX that branch office on or about XX/XX/XXXX XXXX pick up a printed copy. A few days later, XXXX XXXX XXXX e-mailed me a copy of some reports around XX/XX/XXXX. XXXX XXXX did not have preauthorization but he e-mailed me with no problem. This is just XXXX example of how BOA lies with impunity. I guarantee you that they are lying XXXX you. My son notified me today that BOA without any prior warning or contact drafted {$270.00} from my son XXXX daughter-in-laws Bank of America account XXXX My name is not connected with their accounts in any way. THIS IS ABSOLUTE FRAUD!!!

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 2026-07-15 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am writing to report a fraudulent credit card application that was submitted to Barclays Bank without my knowledge or consent on or around XXXX XXXX XXXX My current legal last name is XXXX, and my previous last name was XXXX. I have discovered that an unauthorized application for the " XXXX XXXX XXXX XXXX '' was submitted using my Social Security Number. When checking the status online, I found a pending application under my previous last name, XXXX. However, to ensure complete protection, I want to state clearly that I have not authorized or submitted any application under EITHER of my last names ( XXXX or XXXX ). Please immediately cancel and deny any pending or open applications associated with my SSN under either last name, and notify the credit bureaus to completely delete the associated hard credit inquiry dated XXXX XXXX XXXX from my credit profile.

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Total Card, Inc.
State: UT

Complaint narrative:
Shortly after the issuer collected my annual fee, they closed the account. They stated that a credit bureau informed them the account was opened fraudulently. This information is completely false. I did not report any fraud regarding the opening of this account, and the account was not opened fraudulentlyI am the legitimate account holder who opened it myself. The issuer provided no documentation or evidence supporting this claim. The sudden closure immediately after collecting the annual fee has caused me inconvenience and severe harm to my credit ( my score dropped over XXXX points after this closure with a balance + any other claims they made to the credit bureau ). To date ( XX/XX/year> ) I have not disputed this account or anything to do with this account. I was told to proceed with a CFPB complaint AND was told to dispute the closure of the account with the credit bureaus. They would not provide me with the exact CRA that told them the account was opened fraudulently.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have my checking account with BofA for 30 years now. They never charged me any monthly maintenance fee until three months ago. They charged me {$12.00} for XXXX and XXXX, XXXX. I called the customer service and they were able to reverse the charge immediately. However for XXXX, I called the customer service on XX/XX/XXXX and spoke to a mgr, XXXX, but she could not reverse the charge immediately and they have to review it for 48 hours. Also, Im a preferred rewards customer so there should not be any monthly maintenance fee. A/C # : 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 monetary relief
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: OH

Complaint narrative:
They charge me XXXX which Im unaware of from this credit I or o j Ross associate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
" This complaint concerns my Citi XXXX XXXX credit card account ending in XXXX I opened a Citi XXXX XXXX credit card and met the XXXX sign-up bonus spending requirements on XXXX XXXX XXXX XXXX XXXX XXXX XXXX billing cycle closed, and regular purchase miles successfully transferred to XXXX XXXX, but the XXXX welcome bonus was omitted. Citi customer service refuses to fix the system glitch, claiming I must wait 12 billing cycles. However, my transfer gate is already open and active since my regular miles posted. Citi is withholding earned rewards. I request an immediate manual transfer of my XXXX AAdvantage miles without further delay.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was told I would get a bonus offer. I would like to know the time frame. I believe I opened my account on XX/XX/year>, and met the requirements.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To the Office of the Executive Consumer Envoy, I am filing this formal complaint against Citibank for its failure to conduct a proper and lawful dispute investigation under the Fair Credit Billing Act ( FCBA ) regarding a charge of {$330.00} for XXXX tour merchandise from " XXXX XXXX XXXX '' Citibank has reversed my provisional credit and closed this dispute in favor of the merchant based on two completely unacceptable grounds : Failure to Require Proof of Delivery : Citibank has accepted a mere itemized order receipt from XXXX XXXX XXXX as " proof '' to close the case. An itemized invoice only proves a transaction was initiated ; it does not constitute proof of fulfillment. The merchant has provided zero tracking information, zero carrier documentation, and zero signature verification proving the merchandise was ever shipped or delivered to my address. I have never received these goods. Procedural Weaponization of Internal Mailing Errors : Citibank claims they reversed the credit because I did not respond to a specific piece of mail. I never received the letter Citibank claims to have sent. I have proactively responded to prior correspondence in this matter. Closing a valid " Goods Not Received '' claim because of an unverified internal mailing errorwhile ignoring the fact that the merchant provided no tracking datais a blatant failure of Citibank 's regulatory obligations to protect consumers from fraudulent or unfulfilled transactions. Because the merchant has completely failed to provide legally verifiable proof of shipment or delivery, Citibank is in error by holding me liable for this balance. Account ending in XXXX and debit 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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am going to keep this brief and succinct. US Bank was offering a business checking promotion. Put XXXX into a business checking, do 6 qualifying transactions in 60 days and recieve a XXXX bonus. I came into the branch to open the account ( I would find out later this account could be opened online ) I was made to come into the branch. I was told I had to bring in outside funds. I had just had deposited from XXXX an amount of money that was a little over XXXX. I was told that that XXXX deposit didn't count as new money. The website, I would find out later, said that deposits from XXXX did count as new money. The person opening the account XXXX XXXX didn't understand the terms of the promotion. She made me move money out of US Bank then bring it back to pretend it was new money. I opened the account on the XXXX of XXXX but didn't fund the account till the XXXX based on her confusion about the account and the time it took to take money out, let it settle, then take it back to her via a wire. Which also cost me money. When I brought her the money on the XXXX she said on my way out, don't forget you have 60 days to do 6 qualifying transactions. She didn't qualify that by saying, side note, the account was officially open 10 days ago even though you didn't have the funds at that time. It was all very vague. I did the 6 qualifying transactions within 60 days of opening and " funding '' the account. She would later say that I needed to do the 6 transactions from the date of opening it. Now, if I was simply allowed to open the account with the money that came in from XXXX there would have been no confusion about the exact date of opening. These were her mistakes. I feel US Bank did a bait and switch on me. They got me to open an account and bring in funds and then didn't pay the bonus and they keep moving the goal posts and they keep changing the amount of the bonus. XXXX XXXX week, XXXX the next, back and forth ad nauseam. They need cheap money to loan to those seeking mortgages, I get it. They make a ton in interest from that money over the long haul. But they are screwing over their own consumers by not knowing the rules to their own promotions. The US Bank branch in XXXX is run super poorly by a XXXX who doesn't know anything about banking and her underling doesn't know anything about new accounts. I XXXX for US Bank for XXXX years and I know what a mess that they are as an organization despite having extremely deep pockets and being a very conservative bank. They do not spend money on branches or people or even technology really. Please help me to get my bonus from these lying, bait and switching cheapskates. 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 2026-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the XXXX account that you are attempting to collect. I canceled my XXXX order, and XXXX confirmed that the order was canceled. XXXX also sent me a prepaid return shipping label, and I returned both the mobile phone and the smartwatch as instructed, and I did not even activate the mobile number. Since then, XXXX has continued to send me monthly bills by mail. However, every month I also receive an email from XXXX stating that my account balance is {$0.00}. Based on these emails, I do not owe any balance. I request that you investigate this matter with XXXX and provide written validation of the alleged debt. If XXXX has confirmed that my balance is XXXX and the order was canceled, please close your collection account immediately and stop all collection activity. If this account has been reported to any credit reporting agencies, I also request that it be removed because it is inaccurate. Please confirm in writing that you have received my dispute and advise me of the outcome of your investigation. The above action badly hit my credit score. Please do an immediate check at your end. Here are attached return label as proof and scree shot of chat with the XXXX agent that my account disconnected dated XX/XX/scrub> XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation