vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a debt in the amount of {$340.00} that has been attributed to me. I have reason to believe that this account and the associated charges are the result of identity theft. I did not open or authorize any XXXX account related to this debt, nor did I receive or benefit from any services tied to it. As such, I am not responsible for these charges. I am in the process of filing an identity theft report with the Federal Trade Commission and, if necessary, a police report. I can provide copies of these documents upon request. Please note that attempting to collect on a debt that is the result of identity theft may violate federal and state laws. I expect your prompt attention to this matter. Thank you for your cooperation. Sincerely, [ Your Full Name ] [ Your Phone Number ] [ Your Email Address ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 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: GA

Complaint narrative:
b'On XXXX XXXX XXXX, I submitted a complete FCRA Section 605B identity theft dispute to TransUnion via USPS Certified Mail, tracking XXXX XXXX XXXX XXXX \n XXXX XXXX The package included my FTC Identity Theft Report XXXX, government issued photo ID, proof of address, and identification of the fraudulent\n XXXX XXXX XXXX account XXXX. The package was delivered on XXXX XXXX XXXX and signed for by TransUnion agent XXXX XXXX. On XXXX XXXX XXXX\n TransUnion sent a letter ref XXXX refusing to process my dispute, claiming it did not appear to come from me. The letter was sent through a \n legitimate USPS certified mail service, not a credit repair company. FCRA Section 605B contains no requirement regarding mailing method. TransUnion was \n required to block the fraudulent tradeline within XXXX business days of receipt by XXXX XXXX XXXX. As of XXXX XXXX XXXX, XXXX business days have passed and \n the fraudulent XXXX tradeline remains on my report. This is a willful violation of 15 USC 1681c-2.'

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 2026-04-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
bank refused to observe that the addresses is totally different from my address

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 2026-04-09 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: NJ

Complaint narrative:
I am filing this complaint after exhausting multiple disputes regarding inaccurate late payment reporting on my XXXX XXXX account that continues to be reported in a manner that does not reflect the true status of the account. I am not disputing ownership of this account. I am disputing the inaccurate and unsupported delinquency reporting that remains on my credit file despite repeated notice and prior investigations. XXXX XXXX account number XXXX is currently being reported as open, active, and current with no past due balance, yet it continues to reflect late payment history that is inconsistent with its present standing. This creates a direct contradiction. An account can not report current status and XXXX past due while simultaneously reporting delinquency unless there is verifiable and documented evidence of missed contractual payments. Despite my prior disputes, no competent documentation has been provided to support the reported late payments. No original signed agreement, no complete payment ledger, no escrow analysis, and no transaction history have been produced to demonstrate that any payments were missed under the terms of the contract. Instead, the account continues to be verified through automated systems without any proof of a reasonable reinvestigation. The reporting also contains inconsistencies across bureaus, including conflicting delinquency timelines and status codes, which further demonstrates that the data being furnished is not accurate or properly verified. I specifically requested method of verification and supporting documentation, yet no evidence has been provided. This failure to provide documentation while continuing to report derogatory information is a violation of FCRA 1681i for failure to conduct a reasonable reinvestigation and FCRA 1681e b for failure to ensure maximum possible accuracy. Given my confirmed exposure to both the Equifax data breach and the XXXX XXXX XXXX breach, there was a heightened duty to ensure the accuracy of any derogatory information before reporting. Instead, unsupported late payment history continues to be published, causing ongoing financial harm, suppressing my credit scores, and interfering with lending opportunities. This is not a minor reporting issue. This is the continued publication of unverified and internally inconsistent derogatory data after repeated notice.

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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Around XXXX or XXXX I had a bunch of fraudulent charges from Cash app from different people different names and I had filed a report with the police made a report with them and I told him listen. I dont have a cash app account with you guys so why am I being charged but I could not get an answer from them. They just kind of told me oh we cant give you a refund we cant give you any information of who is not using you in my card. I was shocked cause I wasnt using my card that much and I didnt know you know how they got a hold of it. Turns out my account on my phone has been hacked. I seen a little cursor which is a little arrow moving on its own going to my settings and Im trying to prove and give self access to all my data. I made a report FBI again could not get any status update anything anyways I got two emails from Cash app consumer finance affair whatever that you guys have set up with them. I just got another email from them stating oh well we dont know anything but and I showed them this is my email. This is my proof what is not to know I didnt have an account with you guys. The account wasnt in my name and you guys were charging my debit card like crazy and they wouldnt give me any information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/2026 I filed an unauthorized dispute with Comerica for a charge totaling {$10000.00} from a merchant I do not recognize. After filing the dispute Comerica told me they would reach a decision within 10 business days. Since then its been 2 months and I have made multiple attempts of reaching out for more information but no one has information besides XXXX person who was handling the claim. Ive went inside the branch 2 times and called in 2 times. Requesting a call back And update but no call or email has been sent to me. My account is closed from Comerica for fraud protection but if they havent paid me back my money yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was trying to qualify to purchase a home as a recently single mother of two. and I realized that I had damages on my credit report according to the 15 U.S.C. 1681 Law there should not be any damages on my report as it is a defamation to my character. A debt collector contacted me regarding an alleged debt of {$870.00} that I do not recognize as owing. I never provided written consent to furnish or obtain my personal information with any credit bureau or third party. Despite this, my information was reported to the credit bureaus without my authorization, in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681. I submitted a written debt validation request pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, demanding verification of the alleged debt, including the name of the original creditor, an itemized breakdown of the balance, a copy of the original signed agreement, proof of licensing to collect in my state, and the chain of ownership if the debt was sold or assigned. I also demanded that all collection activity and credit bureau reporting cease until the debt was properly validated. The company has failed to provide the requested validation and/or continued collection activity and credit reporting without my written consent. I am requesting that the CFPB investigate this matter and compel the company to remove this account from my credit report and cease all unlawful collection activity.

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
This is NOT my account. I called for a contract with details. I never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
On XX/XX/scrub> 2026, an unknown individual used my stolen personal information, including my Social Security number, to fraudulently open a U.S. Bank XXXX XXXX account. I first became aware of the theft when I received an unauthorized phone call from a XXXX XXXXbased number ( XXXX ) and subsequent automated emails from U.S. Bank thanking me for the new account.

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
This complaint concerns ongoing and improper debt collection activity related to an alleged, time-barred debt. On XX/XX/year>, a written cease-and-desist notice was sent instructing that all communication regarding this matter stop. Despite this, communications have continued from multiple entities identifying themselves as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other unidentified callers using different phone numbers. Since that notice, repeated contact attempts have been made by phone, voicemail, and text message. These communications have failed to properly identify a legitimate company and have not included required disclosures. The language used has implied escalation, investigation, or potential legal action without providing any validation of the alleged debt. Contact has originated from multiple inconsistent phone numbers, including but not limited to XXXX, XXXX, and XXXX. The use of varying identities and contact methods has created confusion and appears designed to prompt a response without proper verification. Additionally, third-party disclosures have occurred. Friends and relatives have been contacted regarding this alleged debt, despite prior written notice directing that communication cease. The alleged debt has previously been disclosed as time-barred. Continued attempts to collect or imply enforceability under these conditions are improper. All communications, including messages, call logs, and voicemails, are being preserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In early XX/XX/year> I purchased a coat from XXXX XXXX, using a Comenity Bank card for this store. When the coat arrived 2 weeks later I did not like it and requested the store to provide a return mailing label. The first label was not acceptable at the post office so I had to request a second one. I then returned the coat using the label on XX/XX/XXXX. When I was billed for the coat a few weeks later I began making calls to both Woman Within and Comenity Bank. I was assured by Woman Within they could see the coat was enroute to them and was told not to worry. Long story short the coat was not received by Woman Within until midXXXX. I dont know why. It was in XXXX that I noticed I still had not received credit for the coat and there were late charges and interest added. I made so many calls to both the store and the bank Ive lost count. Its so difficult to communicate with their CSRs as most do not speak XXXX as a first language. I finally requested exactly that, an English-speaking representative. A man named XXXX took my call and after a long conversation he agreed to remove the late fees if I paid the current charge of {$47.00} to bring the account current. I reluctantly agreed because I did not want to pay anything for merchandise I did not keep. But my credit score was suffering so I agreed. XXXX informed me he had my checking account on file and even read off the last 4 numbers. I authorized the charge and he kept his side of the agreement and removed {$97.00} in fees. A week later I received an email from XXXX XXXX that my payment of {$47.00} was returned from the bank. I immediately called and was told No, not true. The rep could see my payment and all was fine. No worries. Yesterday I checked my Woman Within account online and the balance was now {$87.00}. {$47.00} for my returned payment and another {$40.00} charge for a returned check! It appears that XXXX used my old ( closed ) bank account for the over the phone payment. I am at my wits end with this bank. My credit score has tanked and I never so much as wore the coat. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Need to wire {$360000.00} for a real estate closing on XX/XX/year> Citibank 's online wire limit is XXXX XXXXXXXX Called multiple times, denied a one-time exception Told the barrier is Everyday Benefits relationship tier never disclosed this would prevent large wire transfers, would take a month to convert my tier Citibank has XXXX staffed branches in Oregon or Washington ; XXXX is XXXXXXXX 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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute a collection account currently reported by CBE Group under Account XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, as they failed to provide a mandatory dunning notice within five days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only one in my mentorship program to get denied for the XXXX XXXX startup loan. In the XXXX XXXX, under the standard set in XXXX XXXX XXXX XXXX XXXXXXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activityincluding credit reportinguntil they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal " debt parking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Forest Recovery Services LLC
State: NC

Complaint narrative:
I am writing to formally dispute a collection account currently reported by Forest Recovery under AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report on XXXXXX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, as they failed to provide a mandatory dunning notice within five days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only one in my mentorship program to get denied for thXXXX XXXX XXXX startup loan. In the XXXX XXXX, under the standard set in XXXXXXXX XXXX XXXX XXXXXXXX XXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activityincluding credit reportinguntil they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal " debt parking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WLCC
State: TX

Complaint narrative:
I was pre-approved for {$1200.00}. I sent in XXXX bank statements from a business account and a screenshot of earnings from XXXX. They set up an account for me and I signed all loan documents. They said to call them because they had issues with my info. During the call, they informed me they can not go forward with loan after I signed loan documents due to the fact it was a " business account '' i am willing to share screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Subject : Request for Debt Validation Dear Sir or Madam, I am writing in response to a derogatory remark to my credit. I do not acknowledge this debt and request that you provide proper validation of it, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : XXXXThe name and address of the original creditor. XXXXThe full account number associated with the alleged debt. XXXXThe total amount of the debt, including a breakdown of any interest, fees, or charges. XXXXDocumentation showing that I am legally obligated to pay this debt. XXXXProof that your agency is authorized to collect on this debt. Until you provide this information, I request that you cease all collection efforts and refrain from reporting this debt to any credit reporting agencies. If this debt has already been reported, please note that it is disputed. I also request that all future communication regarding this matter be conducted in writing. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I reviewed my consumer credit reports and identified multiple accounts and tradelines that are inaccurate, unauthorized, or do not belong to me. Certain items are reported inconsistently across credit reporting agencies, reflect conflicting dates of first delinquency, or lack documentation establishing my legal obligation for the alleged debts. I submitted an Identity Theft Report to the Federal Trade Commission asserting that this information is the result of identity theft, misattribution, or unauthorized use of my personal information. Despite notice, the credit reporting agency continues to report the disputed information without demonstrating lawful verification. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft or misattribution unless it can be fully verified in compliance with federal law. I am requesting immediate compliance and removal or blocking of the inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
{$4600.00} is being held by wellsfargo they wont return money to sender which was another wellsfargo account

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 2026-04-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I went to Bank of America in hopes of receiving a replacement bank card and the money I left in the account as well as access to my other bank accounts with the bank the explained they could not locate the account I was on vacation and in need of money. They did not give me a new account either the bank explained that I needed a XXXX address I provided the bank my XXXX which is XXXX and my XXXX photo id which other countries accept I am in emotional distress and going back home without any information about my accounts

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