vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am submitting this formal complaint regarding Bank of Americas handling of disputed transactions totaling approximately {$2700.00} on my business checking account associated with XXXX XXXX XXXX. I formally dispute the banks determination that these transactions were fully authorized and voluntarily consented to by me. Although the bank relied heavily on technical authentication indicators such as device information, IP matching, XXXX XXXX records, Face ID authentication, XXXX verification, XXXX Secure verification, blockchain delivery records, and account activity logs, I believe the bank improperly treated technical authentication as automatic proof of fully informed and voluntary authorization. The existence of technical authentication activity does not automatically establish valid informed consent under all circumstances. Authentication and authorization are not identical concepts. A transaction may technically pass authentication procedures while still occurring under deceptive, manipulative, induced, misleading, or scam-related circumstances that affect the validity of true voluntary consent. My concern is that the bank conducted an incomplete and one-sided investigation focused almost exclusively on technical indicators while failing to meaningfully evaluate the surrounding circumstances of the disputed transactions and the possibility that the transactions occurred under deceptive or manipulative conditions. The bank repeatedly denied my claims without providing clear direct evidence demonstrating that I knowingly and voluntarily intended to authorize these specific transactions free from deception or improper influence. I respectfully request regulatory review of : The adequacy and reasonableness of Bank of Americas investigation ; Whether the bank improperly equated authentication activity with conclusive authorization ; The evidence relied upon to deny reimbursement ; The banks handling of repeated requests for escalation and reinvestigation ; Whether the investigation fairly considered the possibility of scam-related, deceptive, or induced transaction circumstances. I am requesting : A full supervisory and escalation review ; A complete written explanation of all evidence relied upon by the bank ; Reconsideration of reimbursement for the disputed funds ; Confirmation that my formal dispute and concerns regarding the validity of authorization have been preserved in the claim records. These disputed transactions caused significant financial harm to my business, and I respectfully request a fair and thorough regulatory review of the banks handling of this matter. Sincerely, 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 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
CFPB Complaint : Fraudulent Credit Reporting Due to XXXX XXXX Breach Your Information : XXXX XXXX Washington, DC XX/XX/XXXX Creditor Name : JEFFERSON CAPITAL SYSTEM - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX - Reported Issue : Collection - Date Opened/ Reported : XX/XX/XXXX XXXX / Creditor Complaint Summary : I am filing this complaint under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding fraudulent entries on my credit report that were caused by the unauthorized exposure of my personal information in the XXXX XXXX Breach, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I am an approved claimant in this settlement, confirming that my personal data was compromised. Despite this, my credit report contains entries for accounts and charges that I did not authorize, which are therefore fraudulent. I have already submitted formal disputes to the relevant credit bureau ( s ) and included : - Official XXXX XXXX Settlement Approval Letter - Proof of Identity ( Passport ) - Documentation of the fraudulent accounts However, the credit bureaus have not yet resolved the issue. The fraudulent accounts continue to negatively impact my credit, causing potential harm and violating federal law. I request that the CFPB : 1. Investigate the reporting of these fraudulent accounts. 2. Ensure that the credit bureaus remove all inaccurate entries resulting from the XXXX XXXX XXXX. 3. Confirm that my credit report reflects only accurate information. Enclosed Documents : 1. XXXX XXXX Settlement Approval Letter 2. Settlement Documentation 3. Copy of Passport 4. Copy of Dispute Letter ( s ) sent to the credit bureau ( s ) Thank you for your attention to this serious matter. I request written confirmation of your investigation and findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am submitting this complaint regarding Blitt & Gaines , P.C . for continuing collection activity and/or litigation regarding an alleged debt that I dispute as identity theft. I previously disputed the alleged LoanMe account referenced as partial account number XXXX and provided substantial supporting documentation, including : FTC Identity Theft Report, Notarized identity theft affidavit, Written dispute correspondence, Documentation showing the original creditor stated they were unable to locate any account associated with my information. On XXXX XXXX, 2026, I sent Blitt & Gaines a supplemental dispute and demand for dismissal explaining that : I do not have a LoanMe account, The alleged account is fraudulent, The creditor itself stated it could not identify or verify the account. I also demanded : Immediate dismissal of any lawsuit, Immediate cessation of collection activity, Written confirmation that the matter would not be pursued further. Despite receiving this documentation, Blitt & Gaines has failed to adequately respond and, to my knowledge, collection and/or litigation activity remains ongoing. I believe Blitt & Gaines is attempting to pursue collection activity on an account that has not been properly verified and which has been disputed as identity theft. Continuing collection efforts under these circumstances is extremely concerning, especially after receiving formal notice and supporting documentation. I request that CFPB investigate whether Blitt & Gaines : Conducted a reasonable investigation, Properly validated the alleged debt, Continued collection activity despite unresolved identity theft claims, Failed to comply with obligations under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, I received a letter from First Commonwealth Bank saying that my account was overdrawn and they were charging me {$8.00} per day until I brought the account to a positive balance. This is not an account I use regularly and I knew the balance was {$0.00}. I immediately logged into the account to find that on XX/XX/XXXX, there was odd activity on my account. There were two charges and a credit, all from XXXX. I have no idea why there was a credit and honestly have no clue what the charges were. On the same date, XX/XX/XXXX, I was charged a {$35.00} overdraft fee. Additionally, there were daily charges of {$8.00} starting XX/XX/XXXX. I called First Commonwealth Bank regarding the overdraft. I told the customer service agent that I never opted in to Overdraft Protection and I do not have an account linked to cover the overdraft, as is mentioned in their letter. I stated while I did not know what the charges were for, they should not have covered the charge. The rep told me it is the banks policy to cover overdrafts and, therefore, charge {$35.00} and a continuing daily {$8.00} charge until it is brought up to positive. I told him I would like those fees refunded. He said they dont refund fees. I stated that I received a {$50.00} refund from my sons baseball team on XX/XX/XXXX since he wasnt able to play and not only was that eaten up by their fees, it wasnt enough to bring it back to positive because they had charged me {$120.00} in fees up to that point and Ive continued to be charged since. The rep stated I could dispute the charges if I didnt recognize them, but that the banks policy is to not refund fees. Today, I received another letter that my account was going to be negatively reported to credit bureaus. The letter states Under our standard overdraft practices, we may authorize and pay overdrafts for checks, automatic bill payments, any other transactions made using your checking account number. The overdraft that occured was none of these things. It should have never been covered not should I be assessed these exorbitant fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: NJ

Complaint narrative:
After multiple disputes, one account still shows 90 days late, even after a XXXX deferment was approved. According to Edfinancials own written credit reporting policy : " Certain deferments and forbearances applied retroactively will remove negative reporting... Below are additional forbearances and programs which retroactively remove negative reporting : XXXX XXXX Deferment/Forbearance. Loan XXXX still shows 90 days late on report as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I contacted PennyMac because my home remains at risk of foreclosure and I needed immediate assistance regarding my pending FHA XXXX Modification review. In PennyMacs XX/XX/year> response to the CFPB, PennyMac confirmed that foreclosure had been suspended and that they had placed a hold on my FHA XXXX Modification decline review while they considered whether to submit an exception request to HUD. I called to obtain a status update, to confirm that foreclosure activity remained on hold, and to request escalation to PennyMacs XXXX XXXX or XXXX of the XXXX due to the urgent circumstances surrounding my catastrophic home loss and financial hardship. The representative appeared completely unaware of PennyMacs prior written commitments and the pending FHA modification review. Instead of addressing the status of the modification, confirming whether foreclosure remained on hold, or escalating the matter, she referred me to the insurance department and then transferred me to the automated system. I did not receive any meaningful information or assurance that my home would be protected from foreclosure. This is not a duplicate complaint. PennyMacs own XX/XX/year> CFPB response states that foreclosure was suspended and that a hold was placed on the FHA XXXX Modification decline review through XX/XX/year> while PennyMac considered whether to seek a HUD exception XXXX My XX/XX/year> call was an urgent request for an update and confirmation that foreclosure would not proceed. The representative had no apparent understanding of this history and failed to provide substantive assistance despite the imminent risk of losing my home. During my call on XX/XX/year>, the representative stated that unless the home was repaired, there were no available options. She said until I could have repairs done including livable as it remains in demolition condition deemed unlivable bother further she or anyone could discuss and foreclosure proceedings moving forward. This directly contradicts PennyMacs written CFPB response, which states that PennyMac was actively reviewing whether it could seek a HUD exception based on the status of my insurance claim, property repairs, and housing benefits. XXXX XXXXXXXX XXXX XXXX is is in phase XXXX of XXXX with XXXX doing XXXX of water damage

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AK

Complaint narrative:
I am writing to request an investigation into late payment reporting on my credit file. Late payments were reported for XXXXXXXX XXXX totaling approximately {$450.00}. I was unaware these payments were required separately, as I believed they were being handled through another loan account. No clear notice was received indicating separate payment responsibility. Upon discovering the issue, I took immediate action and paid the full past-due balance on XXXX XXXX XXXX, bringing the account current. Since then, the account has remained in good standing. Because this situation resulted from a misunderstanding and not intentional nonpayment, I respectfully request that these late payment entries be reviewed and removed if found to be inaccurate or improperly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently opened an account with Truist Bank. Without notice they closed. I went into a branch to speak with a branch XXXX to get information on why. They were unable to tell me anything. Whatever the reason they keep opening and closing my accounts I would like to know why so the issue can be resolved. I have had no issues with this bank and would like to bank with Truist asap!

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I was at the time of the transactions that was made at XXXX and another at XXXX I work XXXX till XXXX XXXX which we cant have phones and was on the floor of the transactions which I didnt see until later that night when I made a transaction for my daughter for her phone app can work I seen they made the XXXX transactions without my knowledge and without me authorizing it and had my card on in my purse the whole shift so how could I make the transaction I work alone so nobody goes in my purse and only used my card one today at subway XX/XX/2026 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bliksum, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX, XXXX. for continuing collection activity and/or litigation regarding an alleged debt that I dispute as identity theft. I previously disputed the alleged LoanMe account referenced as partial account number XXXX and provided substantial supporting documentation, including : FTC Identity Theft Report, Notarized identity theft affidavit, Written dispute correspondence, Documentation showing the original creditor stated they were unable to locate any account associated with my information. On XXXX XXXX, 2026, I sent XXXX XXXX XXXX a supplemental dispute and demand for dismissal explaining that : I do not have a XXXX account, The alleged account is fraudulent, The creditor itself stated it could not identify or verify the account. I also demanded : Immediate dismissal of any lawsuit, Immediate cessation of collection activity, Written confirmation that the matter would not be pursued further. Despite receiving this documentation, XXXX XXXX XXXX has failed to adequately respond and, to my knowledge, collection and/or litigation activity remains ongoing. I believe XXXX XXXX XXXX is attempting to pursue collection activity on an account that has not been properly verified and which has been disputed as identity theft. Continuing collection efforts under these circumstances is extremely concerning, especially after receiving formal notice and supporting documentation. I request that CFPB investigate whether XXXX XXXX XXXX : Conducted a reasonable investigation, Properly validated the alleged debt, Continued collection activity despite unresolved identity theft claims, Failed to comply with obligations under the Fair Debt Collection Practices Act.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX Bank of America I am filing this complaint regarding a fraudulent account application submitted using my personal information without my authorization. On XX/XX/year> at XXXXXXXX XXXX I was alerted that an application had been submitted and is under review with Bank of America using my identity and personal information. I contacted Bank of America immediately by phone to report the application as fraudulent and to prevent any account from being opened. During the first phone call, I informed that Id be transferred to a different department to resolve the issue right away. On the call with XXXX I informed her that I did not authorize the application and that this was a case of identity theft/fraud. However, I was told that because the account had not yet been officially opened, they could not take action or flag the application as fraudulent at that time. Which was the complete opposite of what I was told previously. I have no active or prior accounts with this banking company. This response is extremely concerning because I am proactively notifying Bank of America before the fraudulent application is approved. Despite this, the representative refused to properly address the issue or provide assurance that the application would be stopped or give me any information on how to resolve this issue. I was essentially told that nothing could be done unless or until the account was fully opened, even though I clearly reported the fraud in advance. I believe Bank of America has a responsibility to investigate and flag suspicious applications immediately once a consumer reports identity theft. Failing to act after receiving a direct fraud report places consumers at unnecessary financial and personal risk. I am requesting that Bank of America : 1. Immediately investigate the fraudulent application submitted using my personal information. 2. Place a fraud alert or block on the application to prevent approval. 3. Confirm in writing that no account will be opened using my identity without verification. 4. Review the handling of my phone call and customer service response. 5. Ensure my personal information is protected from further unauthorized use. This situation has caused significant stress and concern regarding the security of my identity and financial information. I expect prompt action and a formal response regarding the steps being taken to protect me from fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX I got a message from my Wells Fargo bank for a declined transaction of {$1100.00} at XXXX XXXX XXXX in Texas . As during the time the fraudulent transaction went through, I was in XXXX XXXX XXXX, Florida and have never authorized/purchased the transaction. Consequently, I called Wells Fargo Support for fraud claims and I immediately open my banking app and find multiple charges. The two took exactly {$2300.00}. These both were for an XXXX XXXX XXXX bill which I don't have an account with. Wells Fargo Support had asked if it was authorized by me to which I said no and requested they open a fraud case claim themselves. I immediately cancelled my debit card and requested to receive a new one. I would like to further more escalate the process as I was momentarily given credit as the claim was going through, but ultimately was given a denial letter by my bank. I have evidence I have not authorized these transactions and would like to be contacted by a CFPB representative.

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