vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-26 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: VA

Complaint narrative:
I am disputing the accuracy and handling of a collection account being reported by LVNV Funding, LLC and serviced by Resurgent Capital Services. I have made multiple good-faith attempts to resolve this matter, including sending written correspondence by email and making numerous phone calls, requesting clarification of the account and resolution options. While I received an initial validation notice, the company failed to respond to my follow-up correspondence or provide any substantive communication regarding my dispute. The account continues to be reported on my credit reports while disputed, yet the company has not addressed my concerns. This lack of response raises concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including obligations to reasonably investigate disputed information and respond to consumer correspondence. I am requesting that LVNV Funding / Resurgent Capital Services : XXXX. Provide clarification or resolution regarding the account, or XXXX. Correct or remove the tradeline from all credit reporting agencies if they are unable or unwilling to respond appropriately. I am seeking a timely written response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: MN

Complaint narrative:
I contacted XXXX tonight as I was looking through my account and realized ive been charged a monthly subscription fee when I never signed up for a plan and the app was marketed as free all the way back through XXXX of XXXX. XXXX of dollars taken and I didnt know. They start on XX/XX/XXXX at {$14.00} and have increased periodically until the most recent one as of XX/XX/XXXX of XXXX at {$39.00} a month. They wont let me take my bank account off without having a new one on there and wont close my account until theres no money but keep pulling from my main bank even when I asked them to stop auto saving yesterday they did more today which is why I was looking into my account.

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 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo recently changed its fee policy for Everyday Checking accounts and began assessing me new maintenance fees despite the fact that I satisfied the preexisting requirements to avoid fees. No effective notification was provided and when I raised the issue with Wells Fargo, its customer service was ill-equipped to properly and completely resolve my complaint despite explaining that XXXX had failed to properly notifiy me of the change in fee requirements necessitating XXXX the monthly average balance of the preexisting terms

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 2026-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a XXXX veteran. When I was reviewing closing documents for the loan ( closed on XXXX XX/XX/year> ) the loan XXXX assured my escrow would be removed since I dont pay taxes. XXXX hours before closing he let me know ( on a recorded line ) to go ahead and sign the contract and they will update the contract to no escrow. He assured my this would happen. I have never been able to talk to this guy since. Escrow and mortgage servicing is refusing to accept the letter from XXXX XXXX showing my " tax exempt status '' has transferred fully to my new address. XXXX XXXX will only " XXXX '' XXXX a year and send you XXXX tax letter per year, usually in XXXX. They can not send another letter until then, BUT, they sent XXXX showing the exemption has been applied to my new address and verbally let me know its showing XXXX. The XXXX exemption office even suggested Navy Federal to call. Not only are they refusing to take off escrow, they lied about this entire situation to get me to sign the contract. I have called and spoken with different members multiple times over these few months, and here I am paying an additional {$880.00} a month towards taxes that are not even owed. This seems highly illegal and immoral to lie to a consumer about " changing a mortage '' and to " go ahead and sign '' - I have given this company many opportunities to remedy this situation but they are refusing. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
This complaint concerns continued reporting and collection of fraudulent accounts despite confirmation of identity theft by the original creditor. Credit Control , LLC is reporting three collection accounts on all three of my credit reports that do not belong to me. These accounts are the result of identity theft. Three fraudulent addresses were also added to my credit profiles in connection with these accounts. After prior unsuccessful disputes, I contacted the fraud department XXXX XXXX XXXX directly on XX/XX/year>. XXXX XXXX # XXXX was opened. XXXX confirmed that three accounts were fraudulently opened using a variation of my name and my Social Security number. I was informed the accounts had already been internally flagged for fraud and that my call confirmed I was the victim. XXXX closed the accounts and stated they would notify collections to cease activity and update all credit reporting agencies. I have attached their confirmation letter. Despite this confirmation : Credit Control , LLC continues reporting the accounts. The fraudulent addresses remain on my credit reports. I am still receiving threatening collection calls, including implications that someone may come to my residence or workplace. This conduct constitutes violations of federal law, including but not limited to : The Fair Credit Reporting Act ( FCRA ) for failing to correct and delete information that has been confirmed as inaccurate and fraudulent. The Fair Debt Collection Practices Act ( FDCPA ) for continuing collection activity on a debt that has been disputed and verified as identity theft, and for using threatening or harassing tactics. My credit scores have dropped approximately XXXX points at each bureau over the past XXXX weeks as a direct result of this improper reporting. I am demanding the following : XXXX. Immediate deletion of the following fraudulent collection accounts from all three credit bureaus : Account # XXXX {$260.00} Account # XXXX {$560.00} Account # XXXX {$580.00} XXXX. Immediate removal of the following fraudulent addresses from all credit reporting agencies : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX. Immediate cessation of all collection activity. XXXX. Written confirmation of deletion and cessation of collection efforts. These accounts have been confirmed as identity theft by the original creditor. Continued reporting and collection activity is unlawful and causing ongoing financial harm. I am requesting urgent resolution. Thank you.

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 2026-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing a complaint because XXXX XXXX XXXX XXXX has reported a {$3000.00} rental debt to my credit report that does not belong to me. This amount belongs to my daughter, XXXX XXXX, from a previous tenancy at XXXX XXXX XXXX XXXX XXXX. I have never owed this amount, was never billed for it, and did not receive any notice of any debt in my name. I, XXXX XXXX, was separately released early from my lease by the property management with no penalty, and I received my full security deposit refund. Under Michigan law ( MCL 554.613 ), the landlord loses the right to claim damages or charges if no written notice is sent within 30 days. No notice was ever sent because I had no balance due. My account with the property was fully closed. Despite this, XXXX XXXX XXXX incorrectly furnished my daughters debt to my credit file. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) failure to maintain reasonable procedures to ensure maximum accuracy FCRA 1681s-2 ( a ) furnishing information known or that should be known to be inaccurate FCRA 1681b impermissible use of my personal credit report XXXXXXXX XXXX XXXXXXXX never sent me any written notice of debt, validation letter, billing statement, collection letter, or explanation of any charges. I was not notified before they reported the debt to the credit bureaus. This also constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ), as they failed to provide a 5-day written validation notice. This inaccurate reporting has caused my credit score to drop significantly. I have a perfect payment history with no late payments on my credit report, so this false derogatory mark has caused measurable financial harm. I am requesting the CFPB to require XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX to delete this inaccurate account from my credit report immediately and to provide written confirmation that the reporting has been corrected.

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 2026-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I just want to Follow up this complaint against Experian , Equifax, and TransUnion for pervasive, inaccurate, and conflicting reporting across my credit reports that violates multiple provisions of the FCRA and FDCPA. My addresses are inconsistently reported as XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX in Experian , XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Equifax, and XXXX XXXX, XXXX, GA XXXX XXXX TransUnion, XXXX violating FCRA 607 ( b ) and 611. XXXX XXXX XXXX account XXXX XXXX XXXXXXXX ) is reported with differing dates of activity and opening : Experian shows last activity XX/XX/XXXX, Equifax date opened XX/XX/XXXX, and TransUnion date opened XX/XX/XXXX, violating FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) and 607 ( b ) due to obsolete and conflicting information. The XXXX accounts are reported inconsistently as XXXX XXXX, {$460.00}, opened XX/XX/XXXX in Experian ; XXXX XXXX, {$460.00}, opened XX/XX/XXXX in Equifax ; and XXXX XXXX, {$460.00}, opened XX/XX/XXXX in TransUnion, again violating 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). The XXXX account ( XXXX XXXX ) shows an opening date discrepancy between TransUnion ( XX/XX/XXXX ) and Experian/Equifax ( XX/XX/XXXX ), and the XXXX account ( XXXX XXXXXXXX ), previously deleted on Experian and TransUnion, remains erroneously reported on Equifax, violating 605 ( a ), 605 ( c ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) and FDCPA 807, 808, 809 for reporting obsolete and unverified debt. Additionally, Equifax reports an outdated inquiry for XXXX dated XX/XX/XXXX, in violation of 604 ( a ), 605 ( a ), 611, and 623, as well as FDCPA provisions regarding unauthorized reporting. These reporting errors and discrepancies across the XXXX bureaus have caused significant harm to my creditworthiness and violate my rights to accurate, verifiable, and legally permissible reporting under federal law. I demand that all inaccurate, conflicting, or obsolete information be immediately investigated, corrected, or deleted, and that all three bureaus ensure consistency across their reports to fully comply with FCRA and FDCPA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I just want to Follow up this complaint against Experian , Equifax, and TransUnion for pervasive, inaccurate, and conflicting reporting across my credit reports that violates multiple provisions of the FCRA and FDCPA. My addresses are inconsistently reported as XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX in Experian , XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX Equifax, and XXXX XXXX, XXXX, GA XXXX XXXX TransUnion, XXXX violating FCRA 607 ( b ) and 611. XXXX XXXX XXXX account XXXX XXXX XXXXXXXX ) is reported with differing dates of activity and opening : Experian shows last activity XX/XX/XXXX, Equifax date opened XX/XX/XXXX, and TransUnion date opened XX/XX/XXXX, violating FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) and 607 ( b ) due to obsolete and conflicting information. The XXXX accounts are reported inconsistently as XXXX XXXX, {$460.00}, opened XX/XX/XXXX in Experian ; XXXX XXXX, {$460.00}, opened XX/XX/XXXX in Equifax ; and XXXX XXXX, {$460.00}, opened XX/XX/XXXX in TransUnion, again violating 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). The XXXX account ( XXXX XXXX ) shows an opening date discrepancy between TransUnion ( XX/XX/XXXX ) and Experian/Equifax ( XX/XX/XXXX ), and the XXXX account ( XXXX XXXXXXXX ), previously deleted on Experian and TransUnion, remains erroneously reported on Equifax, violating 605 ( a ), 605 ( c ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) and FDCPA 807, 808, 809 for reporting obsolete and unverified debt. Additionally, Equifax reports an outdated inquiry for XXXX dated XX/XX/XXXX, in violation of 604 ( a ), 605 ( a ), 611, and 623, as well as FDCPA provisions regarding unauthorized reporting. These reporting errors and discrepancies across the XXXX bureaus have caused significant harm to my creditworthiness and violate my rights to accurate, verifiable, and legally permissible reporting under federal law. I demand that all inaccurate, conflicting, or obsolete information be immediately investigated, corrected, or deleted, and that all three bureaus ensure consistency across their reports to fully comply with FCRA and FDCPA 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 explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX SC XXXX Re : Account Number XXXX To Whom It May Concern, I am writing regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease and desist all communication with me regarding this alleged debt. You are hereby instructed to stop all telephone calls, emails, letters, and any other forms of contact to me, my family members, my employer, or any third parties concerning this account. If you believe you have a legal right to pursue this matter, you may notify me only of the following : That you are terminating collection efforts ; or That you intend to invoke a specific legal remedy. Be advised that I am keeping detailed records of all correspondence and any further contact outside of what is permitted by law may constitute a violation of the FDCPA and other applicable consumer protection laws. This letter is not an acknowledgment of liability for this debt, nor is it a refusal to pay. It is a notice that I am exercising my rights under federal law. Please confirm in writing that you have received this request and will comply. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am disputing an unauthorized credit card transaction from XXXX XXXX for {$260.00} dated XX/XX/year> ( posted/processed on or around XX/XX/year> ). I did not authorize or benefit from this charge. My XXXX and physical Apple Card were never lost or stolen, and my card information was not shared. On the same date and merchant, there was a second attempted charge for {$270.00} that was declined and flagged as suspicious/fraud within minutes, and my virtual card number was replaced for account protection. Despite this clear fraud indicator, Goldman Sachs/Apple Card closed my dispute as authorized and reversed the provisional credit without providing any supporting evidence or merchant documentation. I requested the evidence used to deem the transaction authorized ( authentication method, AVS/CVV results, device/token, IP/location, and merchant receipt/booking details ) but have not received it ( no attachments or documents were provided ). I am requesting a full reconsideration, a written explanation of the basis for the authorized conclusion, and production of all evidence and merchant records relied upon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover have refused to give me an increase I have tried so many times I have made on Time payments for 3 years and I still haven't had the increase I have complained on several occasions and nobody cared

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — Store credit 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: UT

Complaint narrative:
I got a call from wayfair Mastercard, saying that my account was past due. I have not used an wayfair thing since XX/XX/year>. Then all the sudden there is a charge on my account that I dont recognize. I tried using their report system, but it doesnt work. I tried chatting with someone and the person refused to help. She told me to give a call to this number. I called. 1 hour later ( I recorded the call ) I was told that the account in question had been reported ad fraud. That the balance went to 0, and that I would recieve communication by mail that the account had been closed and there was nothing else I needed to do. However, couple minutes later I recieve an email saying that there is a balance on my accoint and also now, the account has another number. Idk who to contact. Their website doesn't work on reporting fraud, someone now out there has my address and name. And now my voice. And wayfair is creating accounts without permission. I dont even know now that the number is called from their website is the correct number. I believe this can be a scam. But they need to be notified. And I expect to be notified as well that this account has been closed and that my information is not out there for scam.

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 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On ( or about ) XX/XX/2026, I saw on my bank statement that an on line transfer of funds was made from my Bank of America checking account for {$9800.00} to an entity unknown to me ( " XXXX XXXX XXXX XXXXXXXX ) on XX/XX/2026, and without my knowledge or consent, and on XX/XX/XXXX, another transfer was made to another unknown entity ( " XXXX XXXX '' ) for $ {$9700.00} I immediately called the B of A XXXX department to tell them of this fraud, and was told that the {$9800.00} had already been sent but the {$9700.00} will still being processed and would be held. I explained to the fraud department that in the over XXXX years of having this checking account, I had never made a cash transfer, and never received a text or call from the bank asking me if these were legitimate. I assumed that this fraudulent activity would be clear to the bank and that the {$9800.00} would be refunded to me. To my amazement, I was informed that since I approved the transfer on mnever received a notification of request for transfer or approved it, and pointed out that a similar transfer was made ( and stopped ) the next day ( XX/XX/XXXX ). The initial and appealed requests to the B of A fraud department resulted in their final notice stating " Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity. '' ( my phone SMS messages did not show any requests from B of A asking to authorize either transaction ). I should add that on XX/XX/2026, a similar fraud activity took place with my business checking account at XXXX XXXX, for a {$20000.00} direct transfer done without my knowledge, again to an unknown entity, using a similar scam. This is still being investigated by the XXXX XXXX XXXX XXXX, and no resolution has yet occurred. I should note that

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