vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 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 submitting this complaint regarding collection accounts appearing on my credit report that do not belong to me. I actively monitor my credit, and these accounts were reported without my knowledge or authorization. I have never had any involvement with or approved these accounts, and it is unacceptable and concerning to see inaccurate information associated with my name. I am requesting an immediate investigation and prompt correction of this matter without 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 explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The XXXX XXXX, buy debt and motor through the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2026, I sent a formal debt validation letter via certified mail to XXXX XXXX XXXX ( Axcess Financial ). My tracking documentation confirms receipt. Under the FDCPA, the company is required to provide verification of the debt. As of today, XX/XX/2026, more than 30 days have passed and I have received no response, no validation of the debt, and no documentation proving I owe the amount claimed. Despite this failure to validate, the account remains on my credit report. I am requesting that the company cease collection activities and remove the trade line from all credit bureaus immediately due to their failure to comply with federal law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On the date of XX/XX/year> robinhood placed a restriction on my account with funds in it making me unable to access my account. No information provided when requested and robinhoods support has no response or phone number to call. This is impacting my ability to operate in the real world. I am escalating to the cfb to get more help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
requested a letter confirming I was removed as authorized user. Was told 4 different times it would be emailed within 24 hours and also available online. Never received.

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 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: OR

Complaint narrative:
XXXX month ago from I applied for a service XXXX XXXX for home internet and phone service XXXX said I have an outstanding balance of XXXX which I have never got service before with anyone they said it was at an old address that I live at which I move out of in XX/XX/XXXX and the service for the internet was started in the XX/XX/XXXX and it was disconnected XX/XX/XXXX which I was already in my new place on XX/XX/XXXX my old landlord at my old apartment move into my old apartment and started up the account with XXXX when I tried talk to XXXX about they told me to fill an identity theft packet so I did and on XX/XX/XXXX I got an email from True Accord that XXXX sent it to them to collect payment for the account in which I never applied for and for the last XXXX days my wife and I both have been on the phone XXXX trying to get this fixed we both have been passed around back and forth like a rage doll they will not hear our side and they all refuse to place my identity theft packet I have a friend that works there at XXXX told me over the phone and in text message that they will not fix this mater we have talk to them for hours and hours and still got nowhere plus my info was used in a XXXX XXXX breach back the XXXX and I and going to court over XXXX breach which the court is ruling on this XXXX XXXX I am send a copy of all info I got

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
I vacated my apartment ( Unit XXXX XXXX ), The XXXX, XXXX TX ) on XX/XX/XXXX, following a lawful lease termination under Texas XXXX XXXX XXXX ( f ) due to a condition materially affecting my health and safety. The XXXX XXXX XXXX ( XXXX XXXX ) subsequently sent a move-out balance of {$4000.00} which I disputed in writing in XX/XX/XXXX, requesting full debt validation from IQ Data International pursuant to FDCPA 15 U.S.C. 1692g. IQ Data failed to respond to my XX/XX/XXXX validation request and instead reported this account to XXXX, XXXX, and XXXX without marking it as disputed, in violation of 15 U.S.C. 1692e ( 8 ). When I disputed the account with XXXX, IQ Data certified the information as accurate despite never providing proper validation. On XX/XX/XXXX, I sent IQ Data a certified letter notifying them of these violations and demanding correction. Their XX/XX/XXXX validation response provided only a copy of my lease and a self-generated charge statement. They failed to provide the move-out inspection report, key return receipt, or legal basis for the charges, which include {$3400.00} in rent and a lease termination fee both prohibited under Texas XXXX XXXX XXXX XXXX f ) for lawful lease terminations. The charges are not legally valid, the debt was not properly validated, and reporting it without noting it as disputed has damaged my credit. I am requesting that the CFPB investigate IQ Data International 's violations of the FDCPA and require deletion of this account from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized information reporting to my credit report. these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Im getting harassed about a vehicle that I no longer have. Havent had the car in over three years. Its affecting me mentally and taken a toll in my life through different avenues such as socially, financially, and mental. Please contact said persons to make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
A collection account from Columbia Debt Recovery began reporting on my XXXX credit report for an alleged rental debt in the amount of {$2700.00}, with an account opened on or about XX/XX/year>. The listed original creditor is XXXX XXXX XXXX. I have no knowledge of this alleged debt and never entered into a valid lease, agreement, or contract creating this obligation. I did not authorize this account and was never provided documentation establishing liability. I disputed this account with the credit reporting agencies and requested verification. Despite this, the account continues to be reported to XXXX while not reporting to XXXX or XXXX, which raises serious accuracy and verification concerns under the Fair Credit Reporting Act. Because this debt is not mine and can not be properly verified, it is being inaccurately reported and is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hello I notice there are accounts and inquiry on my consumer report. That I did not authorize. I believe theyre result of fraud and result of identity theft, I did not authorize them. Please remove immediately Account info : Account name : Rocket Loans account # XXXX Date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX account # XXXX Date : XX/XX/XXXX Hard Inquiries : XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2026, an unauthorized wire transfer of XXXX was sent from my Wells Fargo account to an individual named........... I did not authorize, initiate, or provide credentials for this transaction. A XXXX investigation has since confirmed that a malware-based background client program infected my device and harvested my passwords, enabling this unauthorized access. Although the account is accociated with my business trade name, it is my primary personal account tied directly to my Social Security Number, making me personally liable for these funds. I have disputed this with Wells Fargo, but they have erroneously claimed the transaction was " authorized. " I have already filed an identity Theft Report with the FTC and IC5 and provided supplemental technical evidence of the breach to my protection services. I am seeking a full reversal of this fraudulent transfer as i was a victim of a technical security breach, not a willing participant in the transaction. Also Police report and Detectives still have the case open.

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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b'I received a notice informing me that the bank has made a decision to close my deposit accounts, including account XXXX, account XXXX, and account XXXX. After XXXX years of banking with this uncompetent bank, I received the notice on XXXX XXXX XXXX. I contacted the bank to inform them that I intended to withdraw my money and that I was planning to visit the bank. However, I was informed that I was not permitted to withdraw my money. I was misinformed because I had previously performed a wire transfer, which allowed me to transfer money out of my account. Today, XXXX XXXX XXXX, I still have a balance in my checking account ending at XXXX, with a balance of XXXX. The bank has not allowed me to withdraw or transfer my money to another bank. Additionally, I have a savings account ending at XXXX, with a balance of XXXX. I strongly request that the bank release my money immediately.Additionally, they deleted all my schedule pay, resulting in the loss of all my account and merchant information. We are in a paperless and electronic generation, and this was a serious oversight on their part.\nAccount XXXX XXXX XXXX. and Account number: 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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Opened XXXX debit disputes on XXXX it has now been past the reg XXXX timeline for provisional credit that hasnt been provided. The bank has not asked for any additional information from me and the claims is still open. They are not following the law with this credits

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MD

Complaint narrative:
My XXXX merchant account was closed without adequate explanation. Since the closure, I have been denied by multiple payment processors including XXXX, XXXX, and XXXX due to being listed on the XXXX XXXX list and XXXX XXXX XXXX XXXX ( XXXX ). When I contacted Squares customer support to find out if they reported my business to XXXX or XXXX and under what reason code, I was told I could not speak to any department other than general support. General support was unable to provide any information about whether XXXX initiated the XXXX reporting or what reason code was used. As a result of this listing I am unable to accept credit or debit card payments for my business, which is causing significant financial hardship. I am entitled to know if XXXX reported my business to these merchant screening services and under what reason code so that I can understand my options and dispute any incorrect information. I am requesting that XXXX confirm in writing whether they reported my business to XXXX and/or XXXX, XXXX specific reason code used, and the date of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
b'I got my taxes sent to my chime account and I got XXXX lost phone and wallet and when I gets out I have walk my money gone less tha\n15hours but back to back I cat stop crying cause not only Im already going thru a dat dark web breach on my social and I also provide proof it say I was logged into my XXXX in XXXX ga I never been to XXXX im in XXXX Md and it say 3 browsers my chime phone link on can you help me and really investigate I cant even see the pic they sent back and also ca you help me contact the owner of chime I dont think this right at all'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: SD

Complaint narrative:
I, XXXX XXXX, called XXXX, XXXX, & XXXX approximately around XXXX XXXX on XX/XX/year>. The first operator I spoke to, I asked for them to be able to provide information in regard to the investigation that they said was performed once I disputed the collection. I also asked if they couldn't provide that information that it should be deleted from account after XXXX days. The operator asked me to call back because her system was shutting down, that it happens every day around the time we were on the phone. The phone then hung up. She asked me twice to call back before it hung up. I proceeded to call back and a different operator can answered and she told me I was in the wrong dept once after she asked my name but asked if I always went by that name. I have been presently been going by my maiden name now for the past XXXX years, so for her to have asked me that, it was apparent she and or her affiliates of the company have been accessing personal viable information. She as well then stated she would transfer me, and she proceeded to go quiet and the phone hung again as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
owed payments to credit card account have been deducted from checking account since 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 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have received numerous emails and phone calls regarding a debt that I allegedly owe to XXXX XXXX XXXX. However, I have never had an account with that company. The debt collector is Credence Resource Management LLC, and they claim I owe {$230.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America XXXX charge XXXX to keep your account open

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 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Opened account. Deposited a check to fund account. The name was wrong on the account and the check cleared just fine only to be restricted and closed. Now they won't tell me why they have not sent my money to me from the account they closed.

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 2026-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am following up once again on a claim ID : XXXX for card ending in XXXX. The bank told me they would credit my account for XXXX dollars in fraudulent transactions but they keep closing the claim. I called the bank yesterday to reopen the claim. They told me it would be reopened but I still see it as closed on my account. BANK NEEDS TO IMMEDIATELY CREDIT MY {$970.00} to my account and STOP CLOSING MY CLAIM BEFORE MY ACCOUNT IS CREDITED. THE CHARGES ARE NOT CONSISTENT WITH PREVIOUS CHARGES, BECAUSE PREVIOUS CHARGES OF THIS MERCHANT ARE ALSO DISPUTED UNDER A DIFFERENT CLAIM NUMBER.

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 2026-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
Account # XXXX I have a loan with Aidvantage {$5100.00} & they keep adding interest which I cant afford to pay!! Is there anything that could be done about that because its hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am updating my ongoing dispute regarding a XXXXXXXX XXXX XXXX account ending in XXXX, now owned by LVNV Funding LLC and serviced by Resurgent Capital Services ( with XXXX XXXX XXXX also attempting collection ). Since XX/XX/XXXX, I have sent multiple detailed written validation requests to XXXX XXXX XXXX, Resurgent Capital Services, XXXX XXXX XXXX, and XXXX XXXX XXXX ( most recently around XXXX XXXX XXXX XXXX On XX/XX/XXXX, Resurgent responded with only a basic Account Summary Report and one old XXXX statement from XX/XX/XXXX. This response is inadequate because it does not include : The original signed credit agreement Complete transaction history or all monthly statements Any explanation for the unexplained {$4.00} credit applied in XXXX ( which I did not make ) Proper chain-of-title documentation This pattern of providing incomplete " verification '' while continuing collection efforts violates the FDCPA and California Rosenthal Act. I have already filed a XXXX complaint ( XXXX ) and attached all prior letters and their latest inadequate response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: OH

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I utilized my Skrill digital wallet to deposit {$1500.00} to a merchant operating on their network under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After experiencing severe platform defects, I obtained the merchant 's raw CSV transaction logs. A forensic data analysis irrefutably proves the merchant mathematically altered their financial ledgerdeleting XXXX financial records and masking XXXX verifiable system failures where funds were deducted via Skrill but no service was rendered. I provided this comprehensive proof to Skrill 's XXXX & XXXX team. Skrill appropriately opened an investigation and contacted the merchant. However, on XX/XX/XXXX, Skrill notified me that the merchant stated they would " solve the matter directly '' with me. The merchant provided false information to their payment processor to intentionally stall the investigation and avoid a forced chargeback. The merchant has made XXXX attempts to contact me or resolve the missing {$1500.00}. On XX/XX/XXXX, Skrill escalated my case ( # XXXX ) for further investigation, but my funds remain unrecovered. I am requesting CFPB oversight because Skrill 's dispute process is currently being manipulated by a fraudulent merchant. Skrill can not rely on a merchant with corrupted accounting software to self-regulate or authorize a refund.

Company response to consumer: Closed with explanation