vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have some fraudulent inquiries on my credit file that I did not authorize and I need them deleted immediately. XXXX XXXX XXXX, XXXX 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 2026-05-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: NV

Complaint narrative:
Hello, I am writing regarding my enrollment in the National Debt Relief Program. At the time I signed up with the company, I was verbally assured by multiple representatives that my listed debts would be settled within approximately XXXX ( XXXX ) months. This representation was a key factor in my decision to enroll in your program. However, despite making consistent monthly payments of {$540.00} and maintaining regular communication with the national debt office, only XXXX account has been addressed. Even after XXXX ( XXXX ) months, the remaining debts have not been settled, and I continue to receive frequent collection calls from creditors. I contacted the office multiple times to inquire about the lack of progress and to address the discrepancy between what was promised and what has been delivered. Given that the company has not fulfilled the terms as they were clearly represented to me, I requested cancellation of my account and a refund of the funds I have paid into the program. I have since been informed that after canceling, I still owe additional fees, which I dispute. Under applicable FTC regulations, including the Telemarketing Sales Rule, consumers are not obligated to pay fees for debt relief services that have not been completed. Based on this, I am requesting a full refund of the funds I have paid, minus any legitimate fees tied strictly to successfully settled accounts. Please consider this letter as a formal request for help : A detailed accounting of all funds paid and applied A prompt refund of any unearned fees Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP
State: PA

Complaint narrative:
Key Bank claims they lost the origination documents from a joint bank account I opened with a family member. This resulted in criminal charges being brought against me. I was held in XXXX for 16 months for a crime I didn't commit. I need the origination documents to prove my innocence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused me XXXX and emotional XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a pre-approval email from Chase for the Chase Sapphire Reserve with a 150,000 point offering after spending XXXX XXXX in the first 3 months from account opening on XX/XX/year>. I applied for the card based on the offer and was denied for the card on XX/XX/year>. I called Chase about the application denial as was told it was due to too many recent opened accounts. All my accounts were opened PRIOR to the " pre-approval '' email being sent. One of the many representatives from Chase I spoke with stated, that pre-approval is just for marketing. I would not have applied if it were not for this false advertisement. I read the terms as * in the offer and there is nothing stating this is a tentative approval like would have been for pre-selected, pre-qualified, etc. Pre-approved is just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Intermex Wire Transfer, LLC
State: NY

Complaint narrative:
On XXXX I got a final notice of unclaimed funds and/or property from supposedly La Nacional Corp or Envos de Valores La Nacional Corp XXXX XXXX phone : XXXX, about a transaction XXXX and a reference number : XXXX. I do not remember La Nacional had sent me any other previous notice about that as they say. The address at the top of that notice does not exist, I personally went to that building in XXXX, NY, also I visited the agency in the XXXX where I've been a long time client and they took copy of the notice and my IDs to submit the claim on XXXX, they said they can not reimburse me by a money order or cash, instead I must to re- send the claimed money.They also said they can not see on the system what's the amount to reimburse to me. It's very confusing and concerning, It seems a scam. I called on the phone the XXXX agency sent me by email ( XXXX ) XXXX and the one in the notice XXXX of La Nacional and they just answer and say they should transfer me to other department and left me on the phone more than XXXX minutes listening music, no add, no a recorded message, no any guide about. Today, I attempt to contact them again and the line is open but no one say hello.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Unauthorized fraudulent online transaction reversal of provisional credit Complaint : I am filing a complaint regarding an unauthorized fraudulent transaction on my account with Wells Fargo. On XX/XX/year>, an unauthorized online transaction in the amount of {$430.00} was charged to my account for a casino-related purchase in California. I reside in XXXX, Tennessee, and I did not authorize, initiate, or participate in this transaction in any form. The bank initially credited my account after I reported the transaction as fraud. However, approximately two months later, the bank reversed the provisional credit and removed the funds, stating the transaction was valid as an online purchase. I strongly dispute this determination. I did not make this purchase, did not authorize anyone to use my account, and do not have any connection to the merchant or transaction. The timing of the chargeoccurring immediately after my paycheck was depositedfurther indicates unauthorized access to my account. Additionally, my bank issued me a new card after the fraud was reported, which confirms my account was compromised. I request : 1. A full re-investigation of the transaction as fraud 2. Documentation of what evidence was used to determine the charge was authorized 3. Restoration of the {$430.00} to my account 4. A review of how this dispute was handled and why the provisional credit was reversed This is causing financial hardship as the funds were needed for essential bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an XXXXStatement notification from Regions Home Improvement Financing addressed to myself regarding an account I had recently paid off. The notice stated that an amount of {$210.00} was due and should be paid prior to XX/XX/XXXX a date nearly XXXX years in the past. This loan was paid in full and closed on XX/XX/XXXX. No balance is owed on this account. On XX/XX/XXXX, I called Regions to resolve the issue. The representative I spoke with told me, in substance, that " that's how our system does it sometimes. '' I was offered no explanation, no correction, and no assurance that the issue would be addressed. This is unacceptable for several reasons : - Regions is generating billing notifications on loans that have been paid in full, asserting amounts due that are not in fact owed. - The due dates referenced on these notices are years in the past, which raises concerns about the integrity of Regions ' loan servicing and statement systems. - A consumer without immediate access to payoff records could reasonably be confused into paying a debt they do not owe. There is no assurance from Regions that this erroneous activity will not result in inaccurate furnishing of information to consumer reporting agencies, in violation of the Fair Credit Reporting Act. The dismissive response from Regions ' phone representative treating a billing error on a closed account as a known quirk of their system suggests this is not an isolated incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I already paid the debt. And XXXX was hacked with compromised email so i already reported and paid the debt. And my credit are freeze because of the theft. It has been going on for over 6 months and im pretty sure that i paid that debt off with collection payment in the past.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I paid for a hair appointment service through Cash App digital wallet on XX/XX/year> of {$40.00} and XX/XX/year> of {$110.00}, {$15.00}, and {$20.00}. The lady took the money and ran. The service was never completed. I submitted documentation to Cash App of the scam. Cash App investigation team denied my dispute. I have also told Cash App representatives that there has been a police report filed against the lady that stole my money. This is a serious matter. Their investigation team isnt doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am submitting a formal complaint against Bank of America regarding inaccurate credit reporting and failure to reasonably address my payment situation. I have been making consistent monthly payments of {$460.00}, but recently, due to financial difficulties, I have only been able to pay {$250.00} toward my account. Although the required payment is higher ( approximately {$460.00} ), I contacted Bank of America to explain my financial hardship and requested that they work with me on a reduced payment plan. Despite my good-faith effort and ongoing payments, they refused to accommodate my situation. As a result, Bank of America has reported missed or late payments to the credit bureaus, which has negatively impacted my credit score. I believe this reporting is unfair and does not accurately reflect my consistent efforts to repay the debt. The total amount in dispute is approximately {$2700.00} or less. This issue is also related to my car loan account, which has been active for more than six years, and I am concerned about the long-term financial harm being caused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: Rocket Mortgage, LLC
State: SC

Complaint narrative:
On XX/XX/year>, I contacted my mortgage servicer, Rocket Mortgage, to determine the amount required to bring my loan current and avoid foreclosure. During that call, I explained that I had approximately {$4000.00} to {$5000.00} available to resolve the delinquency. Based on the information provided by the representative, I was left with the understanding that this amount would be sufficient to move forward with reinstatement. At no point during that conversation was I informed that foreclosure-related attorney fees had already been incurred or would be included in the reinstatement amount. On XX/XX/year>, I received a reinstatement letter showing that, in addition to past-due payments, there were {$4200.00} in foreclosure-related fees and costs included, significantly increasing the total amount required to bring the loan current. These fees clearly existed at the time of my XX/XX/XXXX call but were not disclosed or explained. As a result, I was misled regarding the true amount required to reinstate my loan, which impacted my ability to act quickly and pursue alternative loss mitigation options. I contacted Rocket Mortgage multiple times following receipt of the reinstatement letter to request clarification, including a review of the XX/XX/XXXX call and an itemized breakdown of the fees. The company responded that the representative did not have access to the full reinstatement amount at the time of the call and directed me to contact the foreclosure attorney for further details. Additionally, the company stated that it is unable to provide a detailed itemization of the fees or the dates they were incurred, despite requiring full payment of those charges to reinstate the loan. I am seeking : A review of the XX/XX/year> call and clarification of the information provided A complete, itemized breakdown of all fees and charges included in the reinstatement amount The opportunity to resolve the delinquency through a reasonable loss mitigation option I am attempting to resolve this matter in good faith and avoid foreclosure, but I need accurate and complete information regarding the amount owed in order to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received what appeared to be authentic emails from Wells Fargo indicating an Everyday Checking account had been opened in my name. I did not request this and the recent creation of any Wells Fargo accounts in my name is the result of fraudulent use of my identity. I called Wells Fargo and asked them to confirm the existence of an account made in my name. The representative I spoke with would not do this without my social security number, which I was unwilling to provide to them. They indicated I could go to a branch to confirm the existence of the account. This is not possible for me, there are no Wells Fargo branches in my state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding account XXXX with XXXX XXXX. My vehicle became inoperable due to a blown engine, and I was no longer able to continue normal payments. I contacted XXXX XXXX and provided written notice on XX/XX/year> explaining my financial hardship and offering a voluntary surrender of the vehicle. I also requested settlement options and asked for the vehicle to be repossessed. Despite my written request for voluntary surrender, XXXX XXXX did not repossess the vehicle. Instead, I was informed during communications with the company ( including a recorded call with a third party ) that they would not retrieve the vehicle due to its condition and value. I also attempted to resolve the account in good faith by offering a settlement payment of {$2500.00} and requested written terms or a payment plan. No resolution was provided. Subsequently, XXXX XXXX released its interest/lien in the vehicle, as confirmed in their correspondence and DMV-related records , indicating they no longer maintained a secured interest in the collateral. However, despite refusing repossession and releasing their lien, XXXX XXXX continues to report the account as a charged-off debt with a balance. This reporting does not reflect the full sequence of events, including voluntary surrender attempt, refusal to repossess, and release of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: WA

Complaint narrative:
I had contacted XXXX XXXX due to XXXX charging my card numerous times and over charging my card. I disputed charges I was told that there would be an investigations I called them XX/XX/XXXX while charges were pending. XXXX XXXX processed payments through on XX/XX/XXXX. I called numerous of times on XX/XX/XXXX XXXX XXXX send out a letter that they had refunded my card {$330.00} on XX/XX/XXXX. I have never received this refund and it is not reflected on any of my statements, I called and stated that it was refunded on my card and they were able to see on their end. My funds have not been refunded in addition they were to reimburse the total over payment of {$520.00} that was over charged on my card, as I was told I was going to be over the phone once investigation were completed in which it was explained takes 45 days. I have received nothing no refund despite XXXX XXXX claiming that {$330.00} of the {$520.00} that was overcharged was refunded on my XXXX XXXX Card on XX/XX/XXXX

Company response to consumer: Closed with monetary relief