vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a home equity line of credit ( HELOC ) with XXXX XXXX XXXX, with payment due on the XXXX of each month. I submitted the payment due XX/XX/year> on XX/XX/year> 29 days after the due date, before any XXXX delinquency could be reported using XXXX 's XXXX mobile app, funded from my external bank account. Because I submitted the payment through XXXX 's own system, XXXX received it on XX/XX/XXXX. XXXX applied a XXXX business-day settlement hold, did not credit the payment until XX/XX/year> ( 32 days ), and then reported my account " 30 days late '' to all three credit bureaus. I filed a direct dispute. XXXX denied it, stating that no error occurred and that it credits payments only as of when funds are received ( settle ), not when I submitted the payment. XXXX 's position is incorrect. Under Regulation Z, 12 C.F.R. 1026.10 ( a ), a creditor must credit a payment as of the date of receipt, which the XXXX XXXX defines as when the payment reaches the creditor not when the funds are collected or settle. I submitted the payment through XXXX 's own app on XX/XX/XXXX, so XXXX received it on XX/XX/XXXX ; XX/XX/XXXX reflects only settlement. Regardless of XXXX 's crediting practice, reporting my account " 30 days late '' is inaccurate and materially misleading under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : I submitted a complete, authorized payment through XXXX 's XXXX platform at 29 days, and the only reason it crossed the XXXX line was XXXX 's internal settlement XXXX. XXXX has refused to correct it. This mark is harming my credit during a serious medical period and is jeopardizing a pending financial application. Attached please find my payment submission to XXXX on XX/XX/XXXXXXXX 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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The Bank Fifth Third, closed my account and noticed that they gave me 30 days for my account to closed, but instead, the staff forced me to closed it before the XXXX XXXX XXXX XXXX and the FBI XXXX was able to fully sumit the report. I have fully engage with law enforcement to document this cybercrime. I have filled an official criminal report with the XXXX XXXX XXXX XXXX XXXX and submitted a comprehensive XXXX fraud complaint to the FBI 's XXXX XXXX XXXX XXXX ( XXXX ). I am requesting that my former bank inmediately reopen this case, review the newly uncovered network elements ( the local VoIP number and associated burner emails ), and reverse its denial to reimburse my lost funds. I have also noticed that there is funds that I did not proved, and I need to file a request. The bank also fail along with XXXX to alert me that some trasnsaction to be fraudalent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Medical Services Inc
State: TX

Complaint narrative:
The company furnished information regarding an eviction record that I dispute as inaccurate and/or unverifiable. I contacted the company and requested documentation supporting the reported eviction information, including records demonstrating the accuracy and completeness of the information being furnished to consumer reporting agencies. Despite my requests, the company failed to provide sufficient documentation verifying the information. The disputed eviction record continues to be reported and has negatively affected my ability to obtain housing and other opportunities. Under the Fair Credit Reporting Act, furnishers of information have a duty to report accurate information and to investigate disputes. I believe the company failed to conduct a reasonable investigation and continues to furnish information that has not been properly verified. I am requesting that the company provide complete documentation supporting the reported eviction record or instruct all consumer reporting agencies to delete the information if it can not be fully verified.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Brookhaven Law Group PLLC
State: CT

Complaint narrative:
Overview : I entered a debt settlement program with Brookhaven Law Group PLLC ( Client ID : # XXXX ). I am filing this complaint because they are violating federal advance-fee bans ( XXXX CFR Part XXXX ) and their own contract terms by withholding my escrow savings under the guise of unearned " fees ''. Key Violations : XXXX. Unearned Fees ( Breach of Section XXXX ) : XXXX XXXX XXXX states fees are only earned " upon the successful settlement of a debt and first payment upon such settlement. '' XXXX deducted a {$3200.00} fee and a {$400.00} fee from my escrow for an XXXX account XXXX However, my official XXXX dashboard explicitly reads : " There are no payments to display. '' Because no payment was ever made to the collector, these fees were never legally earned. XXXX. Withholding Funds ( Breach of Section XXXX ) : Contract Section XXXX and Disclosure # XXXX guarantee that I may terminate at any time with " no penalty '' and " all the funds will be returned to you. '' I formally cancelled on XX/XX/year>, but Brookhaven is refusing to release my remaining balance. XXXX. Deceptive Side Fees : Brookhaven bundled an unrequested side-membership with XXXX XXXX XXXX XXXX XXXX charging an extra {$100.00} fee and $ XXXX. These must cease immediately. Full contract documents, financial ledgers, and conflicting creditor dashboards showing {$100.00} payments have been uploaded to the Documents section for your review.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
am filing this complaint against Equifax regarding the continued reporting of fraudulent accounts, unauthorized credit inquiries, and inaccurate account information that I have repeatedly disputed. The fraudulent activity was discovered in XX/XX/year> after reviewing my credit reports and identifying multiple accounts and inquiries that I did not authorize. Upon discovering the activity, I immediately took action to protect my identity and notify the appropriate parties. Actions I took include : Reporting the fraud to the Federal Trade Commission ( FTC ) Filing reports with law enforcement Reporting the matter to the Minnesota Attorney General XXXX Office Freezing my consumer reports and databases with XXXX, XXXX, XXXX, XXXX, and The Work Number Providing Equifax with dispute information and supporting documentation Providing Equifax with information regarding fraud investigations and account disputes Despite these actions, Equifax continues to report information that I believe is inaccurate and the result of identity theft and fraudulent activity. The following items remain on my credit report : Unauthorized Hard Inquiries : XXXX Card Services XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Disputed Accounts : XXXX Bank account reporting approximately {$10000.00} XXXX Bank account reporting approximately {$15000.00} XXXX Bank account reporting approximately {$50000.00} XXXX XXXX XXXX XXXX XXXX account reporting approximately {$28000.00} XXXX XXXX account reporting approximately {$25000.00} In addition, XXXX conducted a fraud investigation and determined that I am not responsible for the account being reported. Despite this determination and supporting documentation, the account continues to negatively impact my credit profile. As a result of these reporting issues, my Equifax credit score has been significantly impacted and is currently reporting around XXXX. This has affected my ability to obtain favorable financing terms and has caused substantial time, effort, and expense to correct information that I believe is inaccurate. I am requesting CFPB assistance because I believe Equifax has not adequately resolved these disputes and continues reporting information that I have repeatedly challenged and documented as fraudulent or inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Below I have attached written documentation and communication between Midland credit management and XXXX I have yet to receive any response from Midland credit other than a printed bill statement. I asked Midland to please provide me with proof of validation numerous of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a formal complaint against Citibank for violating the Fair Credit Billing Act ( XXXX ) by failing to properly investigate and stalling a dispute for 'Services Not As Described '. On XX/XX/year>, I was charged {$1100.00} by XXXX for XXXX XXXX XXXX. The merchant provided an undisclosed, completely unsafe 'wet room ' that flooded the entire bathroom floor, creating a severe slipping hazard, along with a nauseating sewage smell ( health hazard ). There was XXXX staff on-site. We evacuated for our safety. Citibank summarily denied my initial dispute on XX/XX/XXXX, improperly shielding the merchant behind a 'non-refundable ' policy, despite the merchant breaching the contract first. On XX/XX/XXXX, a Citi XXXX reopened the case. On XX/XX/XXXX, I emailed my photo/video evidence to XXXX. Instead of resolving the issue, on XX/XX/XXXX, Citi told me via chat to 'call the disputes department again ', putting me in an endless customer service loop. That day, I resent an email with the pictures to XXXX On XX/XX/XXXX, I paid my credit card balance minus the {$1100.00}. I am officially withholding payment for this fraudulent charge under the XXXX. Citibank is delaying the process and refusing to review the concrete evidence of the hazard.

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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Total Auto Finance
State: MD

Complaint narrative:
Company : XXXX XXXX Services Related Entities : XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX ; Total Auto Financing XXXX Product : Vehicle Loan / Auto Finance Complaint : I am seeking assistance in identifying the current owner of an automobile retail installment contract and obtaining payoff, accounting, and XXXX XXXX information. Virginia XXXX currently shows Total Auto Financing XXXX as the lienholder of record on my 2012 XXXX XXXX. However, Total Auto Financing XXXX filed Chapter XXXX bankruptcy in the United States Bankruptcy XXXX for the XXXX XXXX XXXX Virginia ( Case No. XXXX ). During that bankruptcy proceeding, the Chapter XXXX XXXX reported that all retail installment contracts owned or purportedly owned by Total Auto Financing XXXX were sold to XXXX XXXX XXXX, XXXX, a designee of XXXX XXXX XXXX XXXX. The vehicle has now been declared a total loss by my automobile insurance XXXX. Resolution of the insurance claim requires confirmation of the lienholder, payoff information, and XXXX release status. I have learned the following : Virginia XXXX continues to list Total Auto Financing XXXX as lienholder of record. The Chapter XXXX XXXX has advised that the assets were sold and that the Trustee no longer has authority over the contracts. Consumer credit reporting for this account reflects a {$0.00} balance and Pays Account As Agreed status. XXXX XXXX XXXX has been identified as the servicer associated with the account. I have requested information regarding : XXXX. The identity of the current owner of the retail installment contract. XXXX. The chain of assignment from Total Auto Financing XXXX to the current owner. XXXX. A complete payment history and accounting. XXXX. The current payoff amount, if any. XXXX. Whether any party claims a secured interest in the vehicle or entitlement to insurance proceeds. XXXX. A lien release if no enforceable balance remains due. To date, I have been unable to determine who currently owns the account, who has authority over the XXXX, whether any balance remains due, or who can issue a lien release. As a result, the title remains clouded by a XXXX in the name of an entity that no longer operates, and I am unable to efficiently resolve my insurance claim. Requested Resolution : I request that XXXX XXXX Services and/or the current owner of the purported contract : XXXX. Identify the current lawful owner of the retail installment contract and XXXX. XXXX. Provide the complete chain of assignment and authority to service or collect the account. XXXX. Provide a complete accounting and payoff statement. XXXX. Confirm whether any enforceable balance remains due. XXXX. Provide a lien release or instructions necessary to release the lien if no enforceable balance remains due. . I am attempting retrieve evidence who claims to own the account, whether any balance is owed, and how to clear the lien so that the insurance claim can be resolved

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This account was closed in XXXX with a XXXX balance. Since then I am still received emails about late payments and negative reporting on my credit report. I have tried to address the company itself several times, but its extremely hard to get in contact with this company. Which tells consumers online to dispute the information directly with the credit bureaus. Ive disputed the accuracy of this account several times and they will not remove this negative reporting from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Information Solutions , Inc . XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Inaccurate Collection Account To Whom It May Concern : 1 am writing to dispute inaccurate information appearing on my Experian credit report pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. The account I am disputing is : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Reported balance 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 non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
back in XXXX for some reason XXXX kept requesting that i send them identity verification documents. I repeatedly sent them the correct documents 3 or 4 times and each time it told me to retry. Now it won't even let me try again its stuck in some sort of loop it just tells me to send in the documents again but there is nowhere to send it when i do. they also don't have a phone line that you can speak with a real agent. I have XXXX $ sitting in my XXXX that I haven't been able to get since XXXX. it also tells me that my account is frozen an di can only transfer my money to my bank account from the XXXX wallet, but it will not allow me to do that. the whole thing is just messed up, and they have the worst customer service known to man.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
I called this company twice. Both times they told me there was no way to get my license back unless I paid the debt in full. I asked about programs and they told me that I had to pay the debt in full. This is illegal. I have a recording and transcript of them committing the breaking of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am filing a complaint regarding a withdrawal of {$1200.00} from my Bank of America checking account without prior notice or a clear explanation. On XX/XX/year>, Bank of America withdrew {$1200.00} from my checking account. The transaction description stated only Recovery for Forced Closed Account. No additional information was provided regarding the account involved, the reason for the withdrawal, or the legal basis for taking these funds. This account was originally opened when I was a minor and remains a joint account with my mother. The funds withdrawn were my personal funds and were being used to pay my familys living expenses and financial obligations. As a result of this unexpected withdrawal, I have suffered significant financial harm, including : * Bounced and returned payments * Late fees and penalties from creditors * Overdraft and insufficient funds issues * Inability to pay scheduled household expenses on time * Additional financial hardship and stress for my family I was not provided with advance notice that funds would be removed from my account, nor was I given sufficient information afterward to understand why the withdrawal occurred. I am requesting that Bank of America provide : 1. The specific account number and details of the alleged forced closed account. 2. Documentation identifying who was legally responsible for the debt associated with that account. 3. The account agreement, policy, or legal authority relied upon to remove funds from my account. 4. Copies of any notices allegedly sent before the withdrawal occurred. 5. A detailed explanation of how the amount of {$1200.00} was calculated. 6. A review of whether reimbursement is appropriate for the withdrawn funds, as well as any resulting fees and damages caused by this action. I believe consumers are entitled to transparency and fair treatment when funds are removed from their accounts. The lack of notice and explanation has caused substantial financial hardship and has negatively impacted my ability to meet my financial obligations. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require Bank of America to provide a complete explanation and supporting documentation regarding this withdrawal. If Bank of America determines that the withdrawal was improper or that adequate notice was not provided, I request that the funds be returned and that any resulting fees and financial damages be addressed. Thank you for your attention to this matter. XXXX XXXX XXXX XXXX Acct # 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 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
To Whom It May Concern : I dispute this alleged debt in its entirety and demand a full investigation. The balance you are attempting to collect arises from a residential eviction that occurred on XX/XX/2026. During that eviction, substantial personal property belonging to the occupants was removed, lost, or taken under circumstances that are currently the subject of a police report filed with the XXXX Police Department. The reported losses include electronics, jewelry, household goods, personal property, and other items with an estimated value of XXXX XXXX XXXX. The matter remains unresolved, and liability for those losses has not been determined. Because of these unresolved claims, the amount being collected is disputed. Any accounting of alleged rent damages, fees, or move-out charges is incomplete unless it also considers the documented property losses associated with the eviction. Accordingly, I dispute both the validity of the debt and the amount claimed. Please provide : 1. The complete lease agreement. 2. A complete itemized ledger showing every charge, fee, credit, payment, adjustment, and calculation used to arrive at the alleged balance. 3. Move-out accounting records. 4. Inspection reports. 5. Documentation supporting each charge assessed. 6. Documentation establishing your authority to collect this debt. 7. Documentation establishing ownership or assignment of the account. 8. Documentation demonstrating that the balance being collected has been reviewed in light of the documented property-loss dispute. Additionally, if this account is being furnished to any consumer reporting agency, I formally dispute the accuracy and completeness of the reporting and request that the account be reported as disputed during any investigation. Until competent documentation is produced, the alleged debt remains disputed and unverified. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: PNC Bank N.A.
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation