vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting a complaint regarding my banks handling of an unauthorized transaction dispute. On XX/XX/year>, a transaction for {$210.00} was posted to my account that I did not authorize. I immediately reported it as fraud, and my bank initially granted provisional credit while the investigation was underway. Later, the bank reversed the provisional credit and re-charged me for the amount, stating that the transaction was authorized because the chip was used and that the claim card was used with personal information. However, I did not authorize this transaction, and my physical card remained in my possession at all relevant times. Additionally, a second transaction attempt on my account around the same time was flagged and declined as fraud, which further supports that my account information had been compromised. I am requesting a full review of this case under Regulation E and a reconsideration of the denial. I also request : A detailed explanation of the evidence used to determine the transaction was authorized All transaction data available ( including method of authentication and terminal/merchant details ). Reinstatement of provisional credit while the dispute is properly reinvestigated I maintain that this transaction was not authorized by me, I did not receive any benefit from it, and my account appears to have been compromised. Thank you for your assistance in reviewing this matter.

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 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
My information was used for an auto loan to finance a car without my acknowledged. Would like to dispute out this account due to never seeing the car.

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 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
In XX/XX/year>, a XXXX XXXX XXXX sales representative named XXXX came to my home. He told me that signing up for XXXX security would work like paying for phones a simple monthly installment payment for the security system. I agreed to what I understood to be a $ XXXX service payment. I was never told I was applying for a credit card. The words " credit card, '' " revolving credit, '' " credit limit, '' or " interest rate '' were never used. My wife was present and understood the same thing I did. I only discovered this was a Fortiva store credit card when it appeared on my credit report showing delinquency. I did not knowingly apply for credit. The account was opened based on a material misrepresentation by a XXXX salesman. The account is now showing a balance of approximately {$4500.00} and negative payment history, which is actively damaging my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
My school email was hacked during job career fair week. Someone sent out fake jobs pretending to be a verified job employer. This has affected hundreds of students. I applied for the job the job was supposed to be for an XXXX position. The job description was to deposit checks and send money to charities and those in need. After the checks deposited I transferred the money to XXXX and sent it to what was supposed to be for charity events and those in need. I NEVER kept the money at all. Considering I got the email from my school for this position I did not think anything about this being fraud or anything. My bank account was flagged for fraud I bank at Fifth Third Bank. I went up to the bank and told them that those checks are from my school. The lady called the fraud department and told them. I immediately emailed my advisor and asked her what was going on with the job. She called me from the school XXXX XXXX XXXX XXXX and told me that those were fake jobs and that she is so sorry the XXXX email was hacked. The school asked me to send all information and that they would have the IT department investigate. I have constantly went over this with Fifth Third and yet I still have XXXX on my account. I do not want this to affect me I am XXXX XXXX XXXX and this is not my fault AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had a XXXX account years ago, it was closed because they said I violated the terms and agreements. I was a victim of identity theft. I had sent them proof of this via police reports, bank verification and id verification. They still refuse to let me reopen the account. I had NO violations of anything, I just want to be able to use this account to send things to my children and co workers as well. If something is violated in the future, then fine close it, but I did nothing wrong and I have the police reports to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am requesting that XXXX immediately stop reporting this alleged debt to the credit bureaus and cease all collection activity regarding this account. I do not owe this debt, I did not use the services associated with this account during the months they are requesting and I dispute the validity of the account in its entirety. This is now the fourth time this account has been removed from my credit report and then improperly reinserted. Despite prior deletions, XXXX and third-party collection agencies continue to report and attempt to collect on this disputed account. I consider these repeated actions to be inaccurate, misleading, and harassing. I also believe these collection practices violate Maryland consumer protection and debt collection laws, including the continued reporting of inaccurate information and attempts to collect a debt that has not been properly validated. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate disputed information and continued reporting of inaccurate information after disputes and deletions. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i Improper reinsertion of deleted information without proper certification or notice to the consumer. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e Use of false, deceptive, or misleading representations in connection with collection of an alleged debt. FDCPA 15 U.S.C. 1692d Harassing, oppressive, or abusive conduct through repeated collection attempts on a disputed debt. FDCPA 15 U.S.C. 1692f Use of unfair or unconscionable means to attempt to collect a debt not owed. Maryland Consumer Debt Collection Act ( MCDCA ) Md. Code, Commercial Law 14-202 ( 8 ) Attempting to enforce a right with knowledge that the right does not exist, including attempting to collect a debt that is not valid or owed. Maryland Consumer Protection Act Md. Code, Commercial Law 13-301 Engaging in unfair, abusive, or deceptive trade practices through inaccurate credit reporting and improper collection activity. FCRA 15 U.S.C. 1681b Reporting information without a permissible purpose, if the account is not yours or not legally valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: MD

Complaint narrative:
I am filing a complaint against regarding inaccurate and inconsistent reporting of a debt allegedly owed to. The balance currently being reported on my credit report is approximately {$400.00}. However, I recently received a collection email from Aldous & Associates stating that I owe {$680.00}. These balances are inconsistent and inaccurate. Because the company is reporting conflicting amounts, I do not know the true amount allegedly owed. I requested validation of the debt, documentation showing how the balance was calculated, and verification of the correct amount owed. The company has not adequately provided this information. In addition, dispute comments/remarks continue to appear on my credit report, which is negatively affecting my credit profile and ability to resolve the account. I am requesting : Verification of the correct balance Removal of all inaccurate dispute comments/remarks Correction of the inaccurate reporting Complete deletion of the account from all credit reporting agencies if the information can not be properly verified Under the Fair Credit Reporting Act ( FCRA ), companies are required to report accurate and verifiable information. Reporting conflicting balances and inaccurate dispute remarks is misleading and harmful. I request an immediate investigation and removal or correction of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am filing this complaint against Synchrony Bank ( PayPal Credit ) for severe violations of the Fair Credit Reporting Act ( FCRA ) and unfair billing practices.While actively investigating a fraudulent transaction on my account, Synchrony Bank engaged in 're-aging ' and rolling credit defamation. Over a XXXX-year period, Synchrony systematically removed the fraudulent negative remarks from my credit report during the dispute, only to repeatedly re-add them with compounding interest. This occurred four separate times, damaging my credit score by XXXX points while the account was not in default and under an active investigation.Synchrony Bank subsequently closed my account, applied an inflated balance that is {$1000.00} higher than any principal amount owed, and completely blocked my digital portal access. By locking me out, Synchrony is actively withholding my historical monthly statements, payment records, and fraud dispute history, rendering me unable to audit the balance.Simultaneously, Synchrony Bank has filed a lawsuit against me on an Open Account in the XXXX XXXX XXXX XXXX XXXX Louisiana ( File No : [ XXXX ] ). Because my sole source of income is XXXX XXXX Benefits, my funds are legally exempt from garnishment.I demand that Synchrony Bank immediately provide a complete, line-by-line historical itemized statement of my account 's to my email, correct the inaccurate credit reporting, and cease all legal action regarding this unverified, inflated debt. ''

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 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
I am disputing the inaccurate reporting of a 30-day late payment on my auto loan account with XXXX XXXX XXXX for XX/XX/XXXX. My vehicle, which was purchased through Americas XXXX Car Mart in XXXX, Georgia, was stolen in XX/XX/XXXX. Immediately after the theft, I filed a police report and began the insurance claim process so that my insurance company could pay off the remaining balance of the loan. After reporting the theft, I was contacted by an employee at Americas XXXX Car Mart who instructed me to complete a form on their website that would place the account on hold while the insurance claim was being processed. I was specifically told that by completing this process, I would not be penalized or reported late during the insurance payout period. I followed those instructions exactly as directed and submitted the required form. Despite this, XXXX XXXX XXXX reported my account as 30 days delinquent in XX/XX/XXXX. At no point did I intentionally fail to make a payment or neglect my obligations under the loan agreement. I relied on the instructions provided by the dealership and reasonably believed my account would be protected from negative reporting while the theft and insurance claim were being resolved. Because the late payment reporting resulted from circumstances surrounding a stolen vehicle and because I complied with the instructions given to me by the dealership, I respectfully request that the XX/XX/XXXX late payment entry be removed from my credit reporting history and that my account be corrected to reflect accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase is holding my check for {$9500.00} over 7 days. Were not new to Chase. We dont have history of overdrafts. They have told me over the phone that XXXX refuses to verify the account on the check. The check is from an attorney who has already ran his check through his XXXX account. I explained this to Chase. Chase blames XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: SC

Complaint narrative:
I am disputing a medical collection account being reported by Franklin Service Inc. I contacted the collector directly after discovering the account on my credit report. During the call, I requested validation of the alleged debt, including documentation establishing liability, proof supporting the reported balance, documentation supporting the collectors authority to collect, and proof supporting the representatives claim that I allegedly stated in XXXX that I would take care of the debt. The representative stated that the only documentation they intended to provide was an itemized bill. The representative did not state that they possessed any signed guarantor agreement, financial responsibility document, proof of liability, or documentation supporting the alleged obligation beyond an itemized balance. I dispute the representatives statement that I allegedly agreed in XXXX to take care of the debt, and I requested proof of any recording, call log, or documentation supporting that assertion. At this time, I have concerns regarding : - the completeness and accuracy of the furnishing, - the adequacy of the validation being provided, - whether the collector possesses sufficient documentation to substantiate the reporting of this account, - and whether the information being reported to the consumer reporting agencies is complete and accurate. An itemized bill alone does not resolve my dispute regarding liability, furnishing accuracy, or the disputed statements allegedly attributed to me. I request a formal investigation into the accuracy and completeness of the reporting, documentation substantiating liability and furnishing accuracy, documentation supporting the alleged XXXX communication, and deletion of any information that can not be properly verified or substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my fourth ( 4th ) formal notice regarding your ongoing failure to comply with federal credit reporting mandates. We have reached the conclusion of the statutory reinvestigation period. Under the Fair Credit Reporting Act ( FCRA ), the creditors/furnishers have been afforded ample opportunity to provide competent evidentiary matter to verify the accounts in question. Their failure to do so by this stage constitutes a final failure of verification. I. NOTICE OF STATUTORY DEFAULT AND MANDATORY DELETION Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), your agency was provided the statutory period to complete a reasonable reinvestigation. As three consecutive dispute cycles have concluded without the production of competent evidentiary matter or a Method of Verification ( MOV ) as mandated by 15 U.S.C. 1681i ( a ) ( 7 ), the investigation has reached a terminal state of non-verification. The law now dictates the following mandatory actions : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Since the disputed information ' can not be verified ' after a reasonable reinvestigation, your agency 'shall ' promptly delete that item from the file of the consumer or modify that item. The use of the word 'shall ' removes all administrative discretion ; deletion is a compulsory requirement. 15 U.S.C. 1681s-2 ( b ) : The furnishers/creditors have exhausted their statutory timeframe to provide verification. Their failure to substantiate the data upon notice of dispute requires your agency to suppress and remove the unverified tradelines immediately to maintain the 'maximum possible accuracy ' standards required under 15 U.S.C . 1681e ( b ). '' II. WILLFUL AND NEGLIGENT NON-COMPLIANCE Continuing to report unverified or inaccurate data after 30+ days of formal dispute constitutes : 15 U.S.C . 1681n : Willful non-compliance, exposing your agency to actual and punitive damages. 15 U.S.C. 1681o : Negligent non-compliance by failing to uphold the " Maximum Possible Accuracy '' standard of 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There was fraudulent activity on my account involving unauthorized transactions. I reported some of these transactions ; however, additional activity occurred that I did not authorize. At the time, another individual who had access to my information and card ( a former girlfriend ) used my account without permission to make purchases and XXXX XXXX transfers. I am currently stationed in XXXX, and there is documented communication showing that I informed the bank of my location and activity. Despite this, transactions continued that were inconsistent with my normal usage and location, including multiple XXXX XXXX payments and purchases that I did not initiate or authorize. I also ordered a replacement card due to suspected compromise. I am requesting a full investigation into the unauthorized activity and a detailed explanation for the closure of my account. I further request clarification on whether any fraud determination or reporting was made based on these events.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I owed XXXXXXXX XXXX for the month of XXXX that brought my account 51 days without my knowledge. I havent received any phone calls or notifications in the mail stating that XXXX payment was XXXX $ delinquent XXXX XX/XX/XXXX payment of XXXX wasnt sent it yet because its not 1 month late XX/XX/XXXX would have it 1 month late. So I asked the person on the phone is I pay the XXXX XXXX my account wont be 51 days late it it would be 14 days late due to the XXXX payment not getting sent. They told me there computer picked the payment as late in the stystem and got a repo order to take the car without my knowledge. For XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/year>, XXXX completed a dispute investigation on a collection account reported by Portfolio Recovery Associates in the amount of {$3600.00}. The dispute was filed because this debt is not mine. XXXX concluded the item belongs to me, however Portfolio Recovery Associates has never provided direct debt validation as required under FDCPA Section 809. I sent a formal debt validation letter via certified mail requesting the original creditor name, original signed agreement, complete payment history, and proof of legal authority to collect this debt in my state. Portfolio Recovery Associates is a debt buyer and has not provided documentation proving the chain of ownership from the original creditor. I am requesting that the CFPB investigate this account and require Portfolio Recovery Associates to either provide full validation documentation or immediately remove this account from all three credit bureaus.

Company response to consumer: Closed with explanation