vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a IC3 complaint for account ID restoration fraud with move it hack data breach. I want to file a breach of contract with my retainer agreement. I have a insurance policy update with end user agreement for XXXX XXXXXXXX XXXX XXXX XXXX. My account was unsupervised with a data breach from 2021 from XXXX XXXX data breach account owner. I have a breach of fiduciary duty retainer agreement for account liability cyber insurance claim. My account was unauthorized accessed with a breach of contract obtaining property under false pretenses with intent to sale and deliver. My account was fraudulent and embezzled with litigation email compromise. My inquiry on my credit report showed marketplace fraud. I want to file a unstable marketplace account data breach fraud complaint and police report with my insurance company policy for a data broker complaint data breach. I have a default server hack with a limited liability claim under my insurance plan with XXXX data breach. I want rescheduled a bankruptcy ID restoration for identity theft fraud of my personal account business account affidavit XXXX affidavit employee compromised business account. I have a litigation settlement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX settlement agreement with XXXX XXXX and XXXX XXXX. My account was compromised with the data breach and my insurance policy was cancelled with my email compromised. I liked to file a cyber security extortion incident with my notice of dispute from XXXX. My account was compromised and my phone was hacked with credit lenders from data brokers with the credit report agency.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-03 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: CA

Complaint narrative:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within four ( 4 ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and 617, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Cease and Desist Wrongful Debt Collection Contact To Whom It May Concern, I am writing to formally demand that you cease and desist all communication with me immediately regarding the alleged debt you claim I owe. 

I dispute this debt in its entirety. I do not acknowledge any legal obligation to your company, nor have you provided proper validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Furthermore, your continued attempts to contact me are unlawful, as they constitute harassment and improper collection activity under 15 U.S.C. 1692c and 1692d. You are hereby instructed to : 1. Cease all phone calls, emails, text messages, and letters to me immediately.

2. Provide written confirmation that all communication has stopped.

3. Remove my contact information from your records.

4. Report no negative information regarding this alleged debt to any credit reporting agency, or immediately correct any such reporting. 

Be advised that any further contact from your companyother than written confirmation of compliancewill be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential legal action. 

This letter is not an acknowledgment of any debt and does not grant permission to contact me in the future. 

Govern yourself accordingly. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was looking for XXXX presents on XX/XX/year>. Purchased two items. Found out 2 minutes later it was a spam site. Fraud. So I went to my WF online and turned card off, so they couldn't charge my card. It was NOT pending. I called WF right away, and told them what happened. I said if I have to cancel account I will. They assured me, that a new card it would not be charged. A new card arrived a couple days later. Then I found out on XX/XX/XXXX, a package is arriving, I didn't order a package. Come to see that WF allowed the charge to go through! I did NOT authorize this. I called WF, and they lied and said it was pending. IT WASN '' T. They said they credited the charge. I asked what they have done in over a week to investigate, they said they authorized the charge. So now, I am going to get a piece of fabric ( if you do the homework you will see XXXX is a fraud site, that sends bad quality fabric that is printed, when it looks like it is knitted, and they don't answer calls and they don't follow up on returns! ) https : XXXX READ this https : //vchics.pissedconsumer.com/review.html # google_vignette So I took the appropriate action, blocked my card so these criminals couldn't scam me, told by Wells Fargo I don't need to totally cancel account, because with new card they can't charge me, receive new card, THEN FIND OUT WELLS FARGO DIDN '' T PROTECT ME AND ALLOWED THE CRIMINALS TO TAKE MY MONEY!! Banks shouldn't be able to do this. Not only are they allowing criminals to scam their customers, they lie about protection, and don't protect their customers and allow the criminals to take my money!! Wells Fargo needs to be held accountable. AND on top of it all, the lady hung up on me, from the fraud team, on XX/XX/XXXX at approximately XXXX. 

This is elder abuse. Taking elderly people 's money and low income

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 2026-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I currently have a hold of {$160.00} from a previous checking account that was closed and I owed debt on. I only have a checking account thats open where I receive my childrens child support. I temporarily transferred their child support to my savings and upon logging in today, I see that Bank of America is taking that to pay the previous debt that I, as an individual, owe for. 

I dont have any other external incoming coming in, so you can clearly see that the money being transferred is rightfully child support income. Therefore, I feel that the money should be placed back into the account and used for the debt owed that has nothing to do with my children.

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 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
I have consistently reported a fraudulent and unauthorized loan account created in my name by GoodLeap on XX/XX/XXXX to GoodLeap, I did not authorize or sign this Contract. The alleged loan agreement was digitally signed by a GoodLeap employee. XXXX lists the signer as Unknown, marks the file THIS IS A COPY, and holds the authoritative version remotely. The pre-selected style signature, XXXX XXXX, is not my name nor is it my signature. 
XXXX support confirmed that a sender can sign someone elses name to a document, manipulate documents, and control signature verification. These admissions match the signature properties and confirm the document was forged and not lawfully executed. 
I sent a certified dispute letter to GoodLeap on XX/XX/XXXX. They acknowledged receipt on XX/XX/XXXX and assigned a Senior Resolution Manager, but took no corrective action. Goodleap has ignored my claim and continues to send invoices and report the account as valid. 
I disputed the account with XXXX, XXXX, and XXXX. All three bureaus relied solely on GoodLeaps certification and ignored evidence of forgery and identity theft. This violates my rights under the Fair Credit Reporting Act. 
Under Georgia law ( Ga. Code Ann . 101915 ), I may bring civil action against any entity that misuses or fails to correct inaccurate credit data. Federal law also criminalizes identity theft under the Identity Theft and Assumption Deterrence Act and 18 U.S.C. 1028. The creation and reporting of this account fall within prohibited conduct. 
I have sent a Cease and Desist letter certified mail to Goodleap and their registered agent XX/XX/XXXX. I request that the CFPB require GoodLeap to stop all collection activity, conduct a full fraud investigation, and remove all reporting related to this unauthorized account. 
Exhibit Index Forgery & Identity Theft Evidence Exhibit A Misidentified XXXX  Disclosure from Certificate of Completion Shows the name XXXX XXXX and a XXXX date, despite no relationship with GoodLeap at that time. Supports identity mismatch and document fabrication. 
Exhibit B XXXX  Signature Validity Failure Screenshot showing the signer listed as Unknown, the file marked THIS IS A COPY, and the authoritative version held remotely. Confirms the signature can not be verified and the document was not lawfully executed. 
Exhibit C Cease and Desist Letter ( Certified Mail ) Your formal written notice to GoodLeap and their registered agent demanding investigation and cessation of collection activity. 
Exhibit D XXXX  Support Chat Transcript Confirms that a sender can sign using someone elses name, manipulate a document if they have access rights, and control whether a signature can be verified. Directly supports the forgery claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XX/XX/year> - I received a promotion from Capitol One to open a 360 Checking Account and obtain a {$250.00} bonus. Their requirement : set up direct deposit, and after XXXX deposits are received the account will be credited. The promotion rules specifically state that SOCIAL SECURITY deposits qualify. 

I opened the account, funded it, and within XXXX hour I went onto the Social Security website and changed my monthly benefit to go into the new Capitol One account as direct deposits. 

XX/XX/year> - Capitol One sent me an email saying they must receive XXXX direct deposits by XX/XX/year> or I will not get the {$250.00} bonus. This is impossible with Social Security deposits. Social Security will not process the first XXXX direct deposits until XX/XX/year> and XX/XX/year>. 

These requirements are in direct opposition to Capitol One 's statement that SOCIAL SECURITY deposits qualify for the promotion. 

I spoke with a representative and a supervisor at Capitol One and they refuse to help me. They will not extend the time for the XXXX direct deposits to be received. 

Given this contradiction I asked them to change me to a different currently ongoing promotion which instead required me to make XXXX debit card transactions in 75 days to get the {$250.00}. This is totally within my control. But Capitol One refuses to change me to those more attainable conditions. 

I have suggested XXXX different reasonable ways for Capitol One to honor the promotion that they offered me, and which I accepted in good faith. They are unwilling or unable to consider either, and unwilling to escalate this to someone at Capitol One who is empowered to address my concern. 

I feel that this constitutes abuse/preying on the elderly, to offer us {$250.00} for depositing our monthly Social Security benefit with them when that is not in any way feasible, given the slow process the SSA has for changing the bank that it sends deposits to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To Whom It May Concern, This correspondence is written on behalf of my client, XXXX XXXX XXXX, a member of XX/XX/XXXXfor over XXXX ( XXXX ) years. 

On XX/XX/XXXX ( New Years Eve ), XXXX XXXX attempted to access his Navy Federal Credit Union account in order to complete a routine transaction for personal expenses. Upon attempting to log in, he received a message indicating that access to his account was restricted and that he must contact the credit union directly. 

XXXX XXXX promptly contacted Navy Federal Credit Union by telephone and was informed by a customer service representative that his account had been closed. Initially, the representative was unable to provide any explanation for the closure. After placing XXXX XXXX on hold, the representative later stated that the account had allegedly been closed due to identity theft. 

XXXX XXXX requested clarification regarding the basis for this determination, including what activity or information led Navy Federal Credit Union to conclude that identity theft had occurred. The representative refused to provide any additional details, stating that no further information could be disclosed. 

XXXX XXXX further inquired as to why he was never notifiedby phone, email, or written correspondenceof any suspected identity theft, investigation, or impending account closure, thereby denying him any opportunity to respond, verify his identity, or prevent the closure of his account. The representative was unable or unwilling to provide any explanation for the lack of notice. 

Please be advised that XXXX XXXX possesses a complete audio recording of the entire conversation referenced above. 

At the time of this writing, XXXX XXXX has not yet had the opportunity to visit a Navy Federal Credit Union branch to speak with a branch manager or other authorized representative. However, he intends to do so imminently to obtain full documentation and clarification regarding this matter.

This letter serves as a formal complaint and notice of potential legal action, pending further investigation. XXXX XXXX reserves all rights and remedies available to him under applicable state and federal law, including but not limited to claims related to improper account closure, lack of notice, breach of contract, and any violations of consumer protection or banking regulations. 

We request that Navy Federal Credit Union preserve all records, communications, internal notes, and investigative materials related to XXXX XXXX account and the alleged identity theft determination. 

Please govern yourselves accordingly. 

Sincerely, Counsel for XXXX XXXX On behalf of XXXX XXXX XXXX

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 2026-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: CA

Complaint narrative:
I transferred money to Cash App from apple pay. When I was looking to pull out the remaining {$130.00} it was gone and spent without

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am filing a complaint against Bank of America for failure to comply with Regulation E regarding an unauthorized transaction totaling {$4800.00}.

My account was used without my authorization. I reported the unauthorized transaction to Bank of America and requested that the amount be credited back to my account as required under Regulation E.

Bank of America denied my dispute twice. The sole basis provided for denial was that account statements were mailed to my correct address and that payments were made on the account. This rationale is not supported by Regulation E and does not relieve the bank of its obligation to investigate and credit unauthorized electronic fund transfers. 

Whether a statement was received or a payment was made is irrelevant under Regulation E. What matters is that the transaction was unauthorized. Bank of America has failed to demonstrate that I authorized this transaction and has not conducted a meaningful investigation beyond confirming statement delivery.

I am requesting that Bank of America immediately credit my account for the full unauthorized amount of {$4800.00} and comply with its obligations under federal law. 

I have spent over XXXX months attempting to resolve this directly with Bank of America, including multiple phone calls and XXXX dispute submissions. The bank has been given multiple opportunities to correct this and has failed to do so. 

I am requesting CFPB assistance to require Bank of America to reverse the unauthorized charge and bring the account into compliance with Regulation E.

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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
I have used Abound money transfer app to sent international remittance to XXXX on XXXX XX/XX/year>.. The seller account did not receive the funds as promised and I reached out to Abound regarding the status as they have failed to to deliver an international remittance amount after debiting funds from my XXXXXXXX XXXX  account. 

Transaction details : Service Provider : Abound ( Money Transfer Abound URL - www.joinabound.com Abous Support email : XXXX Transaction Type : XXXX to XXXX remittance Amount : XXXX Date of Debit : XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reference XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation