vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This complaint concerns an invalid debt that is being improperly pursued by a collections agency related to a previously closed business account. Several years ago, my business checking account with Truist ( under XXXX XXXX ) was impacted by fraudulent charges totaling several thousand dollars. These transactions were promptly reported to Truist at the time they occurred. Truist conducted a review and confirmed that the charges were fraudulent. I worked directly with Truist representatives on multiple occasions, and I was assured that the matter was resolved and properly documented in their system. Despite this, I have continued to be contacted over the years by a collections agency attempting to collect payment for this same fraudulent charge. This debt is not valid. It is the result of a transaction that was already identified and resolved as fraud by the bank. The continued collection activity indicates that Truist failed to properly update or communicate the resolution internally or to third parties. This issue has persisted for years, despite prior confirmations that the matter was handled. I have not received any valid documentation supporting the legitimacy of this debt, because no such debt exists. I am requesting that : Truist conduct a full internal review of this account and fraud case All records be corrected to reflect that the balance is not owed Any collections activity related to this matter be immediately terminated Written confirmation be provided that this issue has been resolved This situation reflects a serious breakdown in recordkeeping and has caused ongoing inconvenience and unnecessary collection attempts for a debt that is not owed.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX at approximateXXXX XXXX XXXX i deposited XXXXXXXX XXXX some odd dollars ( I dont remember the exact amount ) after a couple days of it not showing in my account I filed a claim which was denied, when calling the Wells Fargo claim management they refused to give me any type of details or cooperation to further the claim

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 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I discovered a phone bill account in collections on my credit report that I did not open or authorize. This account appears to have been opened and used by my deceased brother without my knowledge or permission. Around XX/XX/XXXX I contacted the company/collection agency to request verification of the debt, including any contracts, account records, and proof that I am responsible. The company has failed to provide sufficient documentation showing that I authorized or opened this account. I dispute this debt and do not accept responsibility for it. I am requesting a full investigation, removal of this account from my credit report, and written confirmation that I am not liable for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I have not used my PayPal account since XX/XX/year>. Paypal placed my account in a negative balance of - {$520.00} due to a goods and services refund claim for not receiving items despite uploading XXXX tracking number showing the customer recieved their goods with XXXX tracking number matching their paypal address, yet PayPal sided with the buyer and automatically applied this negative balance to my account. After this decision, Paypal provided no further options to appeal or dispute, leaving me with no choice but to stop using their services. Despite all of that, I am now experiencing unauthorized interference with my incoming deposits : 1. XXXX XXXX XXXX - My XXXX account is linked to my primary bank account not PayPal. Yet, PayPal is now intercepting these monthly payments even though they have never been a part of my XXXX payout settings. {$13.00} 2. Settlement from XXXX XXXX / XXXX - I recently received a settlement payment. This payment was never intended to routed through PayPal, yet it was seized by them. I have also reached out to the settlement company to confirm this. {$83.00} I am extremely frustrated and concerned, as PayPal 's actions constitute unauthorized withdrawals from funds there were never associated with their platform. This interference with unrelated deposits appears to be illegal and outside the bounds of any user agreement, especially since my account has not been active and these payments were never routed through PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Earlier this year I was curious regarding my credit score and looked up my credit report with XXXX. The credit score sat in the XXXX which was alarmingly low. I noticed on the report that there were XXXX credit card accounts with XXXX separate financial institutions that were opened and still had remaining balances. ( roughly {$2000.00} total ) I filed a report with XXXX Police Department, case XXXX, with XXXX XXXX XXXX XXXX XXXX ). He was able to locate a woman in the city of XXXX who opened these ( Im not sure how he nailed her down ) but I Was excited to report I never lived at the address, gone by that name, nor did I recognize that name. I began filing for fraud with the help off XXXX XXXX and was relieved of the debts quickly by XXXX of the companies but not Capital One. I filed and appealed numerous times with Capital One and only received one sentence with denied each time. I presented fraud documents, police report, XXXX XXXX findings and was denied repeatedly and never spoke to the same person twice. I am requesting help resolving this with Capital one and being cleared of the debt secondary to fraud. There is a {$680.00} Remaining balance with them that is showing failed payments which is still affecting my credit score. I have substantial amount of supporting evidence. XXXX XXXX has Subpoenaed them, but is not sure how long the process could take. He suggested I file a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
For the past 3 months an XXXX of the business credit account has been going on, I was told to wait until audit was done as the amount owed for a minimum was changing constantly. The credit reporting department will not remove missed minimum payments which caused the limit to be cut in half. Every other department has reversed their issue in the situation except the credit furnishing department which is the only department stopping my limit to be put back to its original limit that was never suppose too be dropped. Inaccordance with the Fair Credit Reporting Act this creditor has violated my rights. On 15 USC 1681 Section 602, it states that I have the right to privacy. Also 15 USC 1681 section 604 ( A ) section 2, states that a consumer reporting agency can not furnish any of my information or account informations without my written instruction to do so and that information that is furnished if I give permission must be 100 % accurate across all 3 credit reports. Under 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. With these violations that have been committed, all missed payments must by law be removed since they are in violation of multiple federal laws amd regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Despite my previous XXXX requests XXXX through certified mail ), the unverified item ( AFFIRM ) listed below remains on my credit report. I requested on XXXX occasions that XXXX verify with the lender that the item listed below is accurate and provide me with the documents and contact information XXXX used to validate the item from AFFIRM. The only information I received any documents from XXXX obtained through their investigation to validate the item. Does the Fair Credit Reporting Act 15 U, S, C, 1681 ( g ), ( i ), require, upon request, that XXXX forwarded/send me copies of the documents that they were provided by the lender during investigation to verify the account of my dispute as per my request. I also did not receive information on the AFFIRM company how they verified the accuracy. I have never communicated with this company in any capacity whatsoever ( credit cards/loans/ agreement, etc. ) or received any correspondence from them. It appears that XXXX has shifted responsibility back to me to contact the creditor. Per there direction, and website instructions, I have attempted to contact the creditor ( lender AFFIRM ) on multiple occasions at phone number ( XXXX times ( XXXX ) XXXX No Answer ) with no success. I asked XXXX if they had better contact information about the person whom they contacted during the investigation, and additional details on the company AFFIRM, to please provide that information to me. Also, as mentioned above, I have not been able to contact this company. During their investigation/reinvestigated they should have noticed that this company ( AFFIRM ) is the only negative remark on my credit report and history ever. I respectfully requested that under Section 611 ( 5 ) ( A ) of the FCRA that they delete this account from my credit report and history. I sincerely hope that I do not have to go through the litigation and discovery process to have this completely fraudulent item removed from my credit report and history, and restore my creditworthiness as it was. This is why I elected to elevate this claim to the Consumer Financial Protection Bureau for assistance. Thanks for your assistance. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint due to inaccurate and unverified information being reported on my TransUnion credit file. My prior disputes have not resulted in proper validation of the accounts listed below. The following charged-off accounts are disputed : XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX, Balance : {$570.00} ) XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX, Balance : {$470.00} ) XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Reported : XX/XX/XXXX, Balance : {$3600.00} )

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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am filing a complaint regarding inconsistent and inaccurate account information for my XXXX account ending in # XXXX. My account initially reflected a past due balance. After review, the creditor applied multiple credits, including reversals of late fees, interest charges, maintenance fees, and annual fees. These credits resulted in a negative account balance of - {$210.00}, which was clearly reflected in my account and confirmed by the creditor in writing along with a refund notification. However, the creditor later stated that these credits were erroneous and that my balance was adjusted to {$0.00}, and no refund would be issued. Despite this claim, my account continues to reflect a negative balance, and the transaction history clearly shows multiple legitimate fee reversals. This creates multiple inconsistencies : Conflicting account balances Contradictory written communications Lack of clear accounting for adjustments Unclear and unsupported reversal of previously applied credits I am requesting : A full and accurate accounting of all charges and credits applied to the account Documentation supporting any reversal of previously issued credits Correction of any inaccurate reporting associated with this account Resolution of the account balance based on accurate and consistent records The current situation reflects inconsistent and potentially inaccurate account handling, and I am requesting a formal review and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
NCB Management Services , Inc. Account Number : XXXX XXXX XXXX XXXX XXXX I am filing this formal complaint against NCB Management Services for violating the FDCPA and FCRA. I sent a formal debt validation request last month, which they ignored. Instead of providing proof, they continued to report " junk data '' and contradictory information to my credit files. The specific violations are as follows : No Proof of Debt ( FDCPA 15 U.S.C. 1692g ( b ) ) : NCB has failed to provide any signed contract or physical evidence that I owe them money. By law, they must stop reporting until they provide this validation. Identity Crisis ( Inaccurate Classification ) : NCB is reporting as a " Factoring Company '' on XXXX but as an " Other Collection Agency '' on XXXX. They can not legally be both. This is a tactic used to manipulate credit scores and is a violation of FCRA Section 623 ( a ). Dishonest Dispute Status : On my XXXX report, NCB lists the account as " Account not disputed '' even though their own remarks acknowledge the dispute. This is a direct violation of FCRA Section 623 ( a ) ( 3 ). Date Errors : They are reporting different " Date Opened '' records across the bureaus ( XX/XX/year> vs XX/XX/year> ), proving their data is unreliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Validation of Debt Request - AFFIRM INC - XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: MoneyLion Inc.
State: CO

Complaint narrative:
I submitted a dispute to MoneyLion on XX/XX/year> totaling {$260.00} for multiple transactions. On or about XX/XX/year>, MoneyLion issued a final determination stating that no error occurred for some transactions, while determining there was an error for other transactions. Following that determination, I requested copies of the documentation relied upon in reaching their decision, as required under Regulation E ( 12 C.F.R. 1005.11 ). Since that time, I have made multiple written requests for this documentation, including a formal follow-up demand with a defined response deadline. I also verified my identity multiple times at the companys request and contacted customer support to follow up. Despite these efforts, MoneyLion has not provided any of the requested documentation. They have not supplied any records, data, or evidence demonstrating how they concluded that the transactions were authorized. During my communications with their support team : I was informed that no supervisor was available I was encouraged to accept a phone callback instead of written communication I requested that all communication remain in writing The representative stated they were unable to resolve my request No documentation or timeline for production was provided Additionally, I was informed that my request may have been misclassified internally as an appeal rather than a request for documentation, which appears to have delayed or prevented proper handling. As of today, MoneyLion has failed to provide : Copies of documents relied upon in their investigation Evidence demonstrating authorization of the disputed transactions A meaningful explanation of how their determination was reached I believe this constitutes a failure to comply with Regulation E requirements, including failure to provide requested documentation and failure to demonstrate that a reasonable investigation was conducted.

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 2026-03-26 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute a charge on my XXXX XXXX Account ( Account Number : XXXX ) related to merchandise that I never received. Transaction Details : Date : XX/XX/year> Description : XXXX XXXX XXXX XXXX XXXX XXXX, TX Amount : {$2300.00} Reference : XXXX Laptop Purchase ( 12 Month Deferred Interest Plan ) Despite this charge being posted to my account, I did not receive the laptop or any associated merchandise tied to this transaction. Furthermore, I did not sign for, accept, or otherwise take possession of the product. This raises serious concerns regarding fulfillment, delivery verification, and account integrity. It is unacceptable that I am being billed for goods that were never delivered. As the merchant and creditor, XXXX has an obligation to ensure that products are successfully delivered and received before enforcing payment collection. At this time, I am requesting the following immediate actions : 1. A full investigation into the delivery and fulfillment of this order, including proof of delivery and signature confirmation. 2. Immediate removal or suspension of the {$2300.00} charge from my account while the investigation is ongoing. 3. Written confirmation that I will not be held financially responsible for merchandise I did not receive. 4. A permanent correction to my account to prevent any negative credit reporting related to this disputed transaction. Please consider this letter as formal notice of dispute under applicable consumer protection and billing regulations. If this matter is not resolved promptly, I am prepared to escalate this issue to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office. I expect a written response confirming receipt of this dispute and outlining next steps within 10 business days. You may contact me directly should you require any additional information to resolve this matter. Sincerely, XXXX XXXX XXXX, NC ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
This complaint concerns inaccurate credit reporting and attempted collection of a disputed rental balance. Fair Collections & Outsourcing is reporting a {$3800.00} collection account on behalf of XXXX XXXX XXXX XXXX ( XXXX XXXX ). I vacated the apartment on XX/XX/year>. On XX/XX/year>, the landlord confirmed by email that a new lease began on XX/XX/year>, ending my lease obligations as of XX/XX/year>. The landlord stated that after applying my {$1000.00} security deposit and accrued interest, the remaining balance was {$3800.00}, consisting of XXXX rent and partial XXXX rent through XX/XX/year>. The reported balance therefore depends in part on the application of my {$1000.00} security deposit. That security deposit is currently the subject of an active case in XXXX XXXX XXXX XXXX XXXX. Under New York law, including XXXX XXXX XXXX XXXX, a landlord must take reasonable and good-faith steps to mitigate damages after a tenant vacates, and bears the burden of proof of those efforts. I disputed the balance on this basis and requested substantiation of the reported amount. The collection agency provided only a lease and a basic ledger and did not provide documentation of mitigation efforts or other supporting records beyond repeating the landlords position. Despite the ongoing dispute and the active small claims case concerning the security deposit, the collection agency reported the account to consumer reporting agencies and the account was subsequently verified as accurate during credit bureau disputes. My complaint concerns the accuracy and completeness of the reported balance, which includes a {$1000.00} security deposit that is currently being litigated and has not been resolved.

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