vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: AK

Complaint narrative:
I.Q. Data International , Inc. Collections account opened XX/XX/year>, Collections letter dated XX/XX/year> sent to incorrect address which is not the address I provided to the property manager nor had I ever provided to property manager as a valid address for myself. Instead sending it to a relatives address causing third party disclosure. Debt reported to XXXX on XX/XX/year> and letter received by relative on XXXX XX/XX/year>. Collections letter states I had until XXXX XX/XX/year> to dispute the collection. 30 day window never validly commenced. Original creditor did not follow state statutes and timelines, first date of delinquency predates post move out inspection, and there was no documentation regarding an itemized statement of charges ever received by myself or co-tenant from property manager, rendering debt uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: GU

Complaint narrative:
I am filing this complaint against my bank regarding a serious payment processing issue involving my credit card account. On XX/XX/year>, I made a payment of {$600.00} from my deposit account to my credit card account within the same bank. The funds were successfully debited from my account, as confirmed by my transaction records. However, despite this being an internal transfer, the payment has not been credited to my credit card account after [ XXXX hours ]. This delay is unacceptable and inconsistent with reasonable banking standards for same-bank transactions. This situation is particularly urgent because the credit card is being used by my son, who is currently off-island attending XXXX. The failure to timely credit this payment places him at risk of declined transactions, inability to pay for essential expenses ( including food, transportation, and school-related needs ), and potential financial hardship while away from home. Additionally, this delay exposes me to unwarranted late fees, interest charges, and possible negative credit reporting, none of which are due to any fault on my part. I fulfilled my payment obligation in full and on time. Transaction Confirmation : 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 — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CHRISTUS HEALTH
State: TX

Complaint narrative:
They contacted me from XXXX the caller id stated the name XXXX XXXX when I answered they only asked if I was " personal name '' and first refused to state who they were calling on behalf of then claimed their name was XXXX and began asking me again to verify my name. I refused. She then stated she was calling on behalf of TLRA which is not the name on caller id a clear violation of consumer protection. She became combative on the line then hung up. I checked the number and it is a reported number for TLRA so they are calling under a false identification to attempt tricking me into giving up my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
i refinanced the Wells Fargo loan and there was an excess received by Wells Fargo. I sent a 10 day notice of reconcilliation request and later a 5 day notice of demand for any excess monies to be returned to me. All my correspondence was in writing sent several months after the patoff and refinancing. I was totally ignored with no answers to my written requests. I also stopped in 2 X at Wells Fargo Branches who told me it is not their Department but has to be handled by auto loan department. The letters I sent were to the auto loan Department of Wells Fargo that received the payoff. They totally ignored my request for both letters including the Dealer Desk of Wells Fargo who told me via email not to deal with them. ( I got their number from the XXXX XXXX dealer who sold me 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 non-monetary relief
Consumer complaint received 2026-04-09 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:
I am filing this complaint because my credit card company ( Bread Financial ) is refusing to let me dispute a charge for a fundamentally defective product. I bought an XXXX XXXX XXXX Desktop ( Account ending in XXXX ) on XX/XX/XXXX, for {$1200.00}. Since I got it, the computer has been a total " lemon. '' It freezes and completely locks up every XXXX minutes, which makes it impossible to use. I have been incredibly patient and have spent months trying to let XXXX fix this in good faith. I started the formal repair process on XX/XX/XXXX, which was well within my original warranty period. Since then, I have been through an endless loop of calls, emails, and support chats. I have sent the computer in for four separate physical repairs where they replaced the motherboard, the graphics card, and the processor. Every single time XXXX sent the computer back to me, I contacted them immediately to let them know the issue was still not fixed and the computer was still freezing. Despite basically rebuilding the entire machine over four attempts, the same issue persists. On XX/XX/XXXX, my Case Manager XXXX told me in writing : " At this time, refund or replacement options are not available for this unit. '' On XX/XX/XXXX, she confirmed again that her manager XXXX also stated a refund or replacement " would not be an available option ''. When I called Bread Financial today ( XX/XX/XXXX ) to dispute the charge because the merchant is refusing to honor their warranty, I was treated very poorly. I spoke with a supervisor who refused to even open a dispute, claiming I only had 60 days to file a claim. am being charged {$38.00} a month in interest for a broken computer that is just sitting in a box. I am asking the CFPB to help me get a refund for this purchase and reverse these interest charges.

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 — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/year> I received a text and spoofed phone call from The NC State Employees Credit Union that my account was in the {$3200.00} negative due to a cash app transaction and the bank impersonator asked me if I authorized this transaction. I told them no. They stated that someone was attempting to fraudulently withdraw money from my XXXX XXXX account and that my account had become negative as a result. They instructed me to remove my debit card from XXXX and provided me with information for a XXXX card to add instead. They told me they were restoring the funds to my account ; however, this resulted in money being taken from my account. A total of {$3800.00} was withdrawn. The problem is that I only had {$32.00} in my bank account. I had {$1000.00} in my savings that had overdraft protection on it. I also have a credit card with XXXX. When the impersonator took the money, it depleted my savings and somehow it debited {$2800.00} from my credit card since I didnt have the funds in my account. This shouldnt have happened and the bank would not explain why this happened. I have filed a police report ( Report # XXXX ) and have been in contact with XXXX XXXX, who can be reached at XXXX. I filed a dispute with XXXX on XX/XX/year> but my claim was denied after I waited about 10 days. They told me to reach out to XXXX. On XX/XX/year>, I reached out to cashapp to file a claim and On XX/XX/XXXX, when I contacted XXXX XXXX Support for an update, I was informed that this incident was identified as a social engineering scam. I was also told that my case is being fully investigated. However on today, XX/XX/year>, XXXX XXXX also denied my claim. My complaint is with XXXX because my bank account was compromised because of a spoof phone call and there was unauthorized money transferred from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, I was issued a Notice to Quit by my housing provider and required to vacate the property by late XX/XX/XXXX. I complied and returned possession of the unit. In XXXX, I was contacted by National Credit Systems , Inc. regarding an alleged balance of approximately {$4600.00} related to this lease. On XX/XX/XXXX, I sent a written dispute of this debt via certified mail, which was delivered to the collection agency. Despite receiving my dispute, the company did not provide validation of the debt. Instead, they continued collection activity and sent notices stating that I had not made payment arrangements. Shortly after receiving my dispute, the company reported this account to credit reporting agencies without validating the debt and while it was actively disputed. I believe this violates the Fair Debt Collection Practices Act, which requires collection activity to cease until validation is provided after a timely dispute. I am requesting that this account be investigated and removed unless proper validation can be provided.

Company response to consumer: Closed with explanation
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good afternoon, To whom this may concern, I have reached out multiple times to Experian to dispute information regarding collections on my credit report that do not belong to me. I have sent documentation stating that these collections are not mine. I also contacted the collection agencies directly to verify the accounts, and they were unable to locate any records associated with me. Additionally, Experian has my name misspelled on my credit report. I have already requested that this be corrected, along with the removal of an address that does not belong to me. The collections I am requesting to be removed are listed below : Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Also , account XXXX is marked as closed but still remains on my credit report and has not been removed. Account XXXX was never late, yet it is being reported inaccurately, and I am requesting its removal. I have already provided proof that these collections do not belong to me. These inaccuracies are negatively affecting my credit score and are preventing me from being able to purchase a home. I am requesting that these items be removed immediately.

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 — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was involved in a XXXX XXXX my things were took in my phone was took in my purse everything my ex-husband have burned everything up I found a dispute for 3 days straight and finally on the first day that's when they decided to actually follow this you on my behalf and within XXXX hours both of my XXXX were denied not only did they deny my dispute but I did a rebuttal and they still denied it as well even with the police report saying that I was involved in a XXXX XXXX with a case number the police number and his badge number and they still did not my dispute saying that the evidence they didn't have enough evidence when I provided them everything that they needed me to provide them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Subject : Formal Protest of Contradictory Marketing and Lack of Internal Recourse Description of Incident : On XX/XX/XXXX, I applied for a credit limit increase, which was denied on XX/XX/XXXX. Following this denial, I received a physical mailing from Bank of America soliciting me to " spend my remaining credit limit. '' Encouraging a customer to maximize debt while simultaneously refusing to extend credit is contradictory, insulting and disrespectful. Failure of Internal Recourse : I have attempted to report this through XXXX, multiple chat agents, and a phone representative. No agent or resource provided a resolution or the corporate contact information required to submit a formal grievance. This lack of a direct avenue to voice a complaint is a failure of transparency and accountability.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX contacted me claiming a XX/XX/XXXX fee of {$420.00} was unpaid. For the past 18 months, XXXX official consumer portal has displayed a {$0.00} balanceand explicitly stated the amount was'credited. 'Based on this official representation, I reasonably believed my obligations were met ( XXXX XXXX ). Upon notification of the potential error, I immediately worked with my bank to verify records. However, in less than 14 daysand before I could receive my bank statementsXXXX referred the account to a third-party collector ( Credence Resource Management ). The amount referred is {$450.00}, which is {$34.00} more than the original principal. XXXX has failed to provide a line-item breakdown of this additional charge or explain why it was added without notice. Furthermore, representing a debt as {$0.00} on an official portal while simultaneously reporting a delinquency to a collector is a misrepresentation of the 'character, extent, or amount ' of a debt underTexas Finance Code 392.304. This misrepresentation is a violation of Texas Finance Code 392.304, which carries criminal penalties under 392.402 and constitutes a deceptive trade practice actionable under 392.404. '' I am acting in good faith to resolve the original {$420.00} principal, but XXXX has denied me a reasonable window to pay and is refusing to correct their 18-month billing error. I have already filed a formal complaint with the XXXX requesting that XXXX recall the debt and provide an itemized billing statement to explain the {$450.00} balance. XXXX has refused both requests, failing to validate the debt amount or correct the contradictory information on my account portal. Despite my attempts to resolve this billing error directly, XXXX has refused to engage, stating only that I must contact the collection agency to pay. This is unacceptable as XXXX is the original creditor responsible for the 18-month delay, the inaccurate {$0.00} portal display, and the unverified fees included in the {$450.00} balance.

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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX XXXX XXXX my phone number was hacked. They got my phone number account, so they got into my Wells Fargo credit card app. Made 2 fraudulent charges in XXXX XXXX XXXX XXXX for amounts of XXXX and XXXX. Contacted the XXXX department, they said they would do an investigation on it. Told me that they were unable to give me refund because they said merchant provided the services. I told them over and over that Im sure the merchant did provide the services for the charge, but somebody hacked my number and got my credit card number through my credit card app that was on the phone account. They took the investigation to there XXXX department and I was told same thing. Wells Fargo is the company. Charges were made in XXXX XXXX XXXX XXXX, I am in XXXX XXXX XXXX. Like I said my phone number account was hacked so they got all information about my credit card apps. They also charged on my XXXX credit card app, but the refund was given to me. Only with Wells Fargo I am not getting a refund.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MY RIGHTS ARE BEING VIOLATED. I PREVIOSLY HAVE ASKED FOR DEBT VALIDATION AND METHOD OF INVESTIGATION BUT WAS NOT PROVIDED WITH EITHER,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: LA

Complaint narrative:
I am filing this complaint against Innovative Recovery Inc. for reporting an inaccurate debt on my credit report in the amount of {$1200.00}. This account is being reported as related to a property called XXXX at XXXX XXXX. I have never lived at this property and do not owe this debt. The property referenced is no longer operating under that name and is now known as XXXX XXXX at XXXX. I have confirmed that there are no records of me ever residing there. I initially requested validation of this debt on XX/XX/year>, and did not receive proper validation. The only document that has been provided is an outdated lease from a completely different property ( XXXX ), which does not verify this alleged debt and is not relevant. On XX/XX/year>, at approximately XXXX XXXX, I contacted Innovative Recovery Inc. again to request validation. During this call, I was informed that they stopped responding to my previous requests and that they have an incorrect address on file. Despite this, they continue to report this account on my credit report. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the company has failed to properly validate the debt while continuing to report inaccurate information. I am requesting the following : Immediate deletion of this account from all credit reporting agencies Written confirmation of the deletion Investigation into the companys failure to properly validate this debt I do not owe this debt, and it should not be reported on my credit file.

Company response to consumer: Closed with explanation
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I completed an online enrollment form with the merchant XXXX XXXX XXXX and made payment. On the same day, I contacted the merchant and left a voicemail clearly canceling the service, and immediately contacted Bank of America to report the cancellation. On XX/XX/year>, I sent a text message confirming my cancellation attempt from the prior day and sent an email to the merchant rejecting all documents and stating I had canceled. I did not open, sign, or use any services or materials provided. Despite this, the merchant continued processing. No services were rendered or used. My dispute with Bank of America has been reopened multiple times due to processing issues, including initial misclassification as fraud, subsequent closure without explanation, and inconsistent handling. I was later informed the bank has difficulty verifying cancellation based on voicemail despite supporting documentation including call logs, text messages, and email confirmation. I am requesting a full review and reversal of the charge based on timely cancellation prior to service use, no benefit received, and reconsideration of the complete documentation.

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