vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
My wife and I made a payment in the amount of {$21000.00} to American Express on XX/XX/year>. My card showed I had a hold and I could not use it. I called American express on XXXX XX/XX/year> and asked them to lift the hold. They initiated a call with XXXX XXXX to confirm the funds were withdrawn from the account and sent to Amex. They confirmed that the funds were withdrawn. And they lifted the hold allowing me to use my card. I tried to make a purchase and the card declined. I called again the same day and they told me the card was under review and the system put the hold back on my card. They told me to wait 4 days and Id be able to use it. On XXXX XXXX the hold was lifted and I used my card at a retailer for {$31.00} with no issues. Later on XXXX XX/XX/year> I tried to use my card to make an online payment and it declined. Thinking it was a fluke I later tried another online payment for a medical bill and it was declined. I messaged Amex through their app and they told me the account was under review and I had to wait two days to use the card. They told me they saw I recently made a payment on the account and it had not cleared so the hold was put on and they directed me to call XXXX. They assured me I could call and they were open. I immediately called and they were closed. The chat feature told me the account was under review but they could not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am disputing the accuracy of an account being reported on my credit file by XXXX and furnished by RentDebt Automated Collections. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The balance being reported on this account is inaccurate because a {$1000.00} security deposit was paid and is not reflected in the reported amount. Additionally, under 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of disputed information. I have provided documentation, including my lease showing the {$1000.00} deposit and the ledger from the furnisher, which fails to show that this deposit was applied. Despite this, the inaccurate balance continues to be reported. Furthermore, under 15 U.S.C. 1681s-2 ( b ), the furnisher of information has a duty to conduct a proper investigation and report accurate information after receiving notice of a dispute. The furnisher has failed to provide a complete and itemized accounting showing how the balance was calculated or how the {$1000.00} deposit was applied. Without a full and accurate accounting of all charges and credits, the reported balance can not be considered verified or accurate. Therefore, I am requesting : 1. A complete and itemized accounting of all charges and credits, including the application of the {$1000.00} deposit 2. Correction of the inaccurate balance 3. If the furnisher is unable to provide sufficient documentation to verify the accuracy of the balance, deletion of this account from my credit report Failure to correct or remove this inaccurate information may constitute continued reporting of inaccurate information in violation of the FCRA. This inaccurate reporting has negatively impacted my credit and my ability to secure housing, and I am requesting prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding improper payment handling and account closure on my XXXX account. I contacted Synchrony Bank prior to a scheduled payment and requested that the payment be canceled. I was informed by their representative that the payment would not be processed. Despite this, the payment was still submitted and reported as returned due to insufficient funds. This is inaccurate, as the payment should never have been processed in the first place. Synchrony Bank later sent me a refund check for the same amount, confirming that the payment was in fact canceled. However, they still recorded multiple returned payment attempts and closed my account as a result. I was not given a fair opportunity to resolve the issue before the account was closed. This situation was caused by misinformation and improper handling by Synchrony Bank, not a failure on my part to pay. I am requesting a full investigation, correction of any inaccurate reporting, and reconsideration of the account closure.

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 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX stopped XX/XX/year> without my permission and email address on file was changed. The loan breakdowns are impossible to decipher. The transfer from Great Lakes to Nelnet was handled with such gross negligence. Went from XXXX balance on credit report to like XXXX seperate balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I discovered that XXXX debits were pending in my checking account at Citibank for XXXX each. I discovered this at XXXX am on the day they appeared on my account. I am a small business owner, have been a Citibank customer for XXXX years. I need these funds to run my business. The funds should have been returned immediately as the fraud was discovered within hours of being presented to my account. I have pleaded with the bank to return these funds to me to no avail. Please escalate this so that I can be repaid the money. this is the second complaint that I am sending to you and these funds should have been returned immediately as the fraud was discovered so early that it is unconscionable that the bank did not immediately return this money to me! The bank is also responsible for this fraud due to their own negligence in not reporting the results of their investigation for a previous fraud that made my account vulnerable and not sharing this information with me so I could avoid being victimized again. Are there any government agencies that I can report this bank to as I feel their practices are illegal and they should be held to account for converting their customers money without cause! HELP! PLEASE! You have my permission to identify me in any publication of 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 monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX5 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app company didn't have any one i can speak with about unauthorized user take money off my card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: FL

Complaint narrative:
I am currently enrolled in a debt resolution program with Clarity Debt Resolution and have been making regular payments as agreed. While XXXX of my accounts have been successfully settled through their program, I am experiencing serious issues with the remaining accounts, specifically XXXX that is currently in active litigation with XXXX XXXX. This account has been in court for over 5 months. During this time, I have had to request extensions XXXX times due to a lack of progress and communication from Clarity once via email in XXXX, and twice by personally appearing in court in XXXX and XXXX. My most recent court date is scheduled for XX/XX/year> at XXXX XXXX. This repeated need to request extensions demonstrates a consistent failure by the company to act within a reasonable timeframe. Despite multiple emails, including a formal escalation notice, I have not received any meaningful response from Clarity regarding the status of negotiations on this account. I also contacted their office by phone and spoke with a supervisor, who assured me that someone would contact me within XXXX hours. No one followed up as promised. Additionally, my assigned negotiator has not contacted me at all, and I have not been provided with any clear updates beyond vague statements such as the case is in process. This lack of communication and failure to act is placing me at serious financial and legal risk, as I am facing court proceedings without proper support from the company I am paying to handle these matters. I have fulfilled all of my obligations under the agreement, but Clarity has failed to provide timely communication, transparency, and effective action on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am filing a complaint regarding XXXX XXXX denial of my debit card claim ( # XXXX ). The transactions in question occurred in a location that I do not visit and have never been to. I did not authorize these transactions. At the time of the transactions, I was actively using the internet, making it physically impossible for me to be present at that location. Wells Fargo denied my claim based solely on the fact that the card was mailed to my address, which does not prove that I received or used the card. I request that this case be reopened as fraud, and that Wells Fargo conduct a proper investigation, including reviewing transaction location data and any available usage records. This situation is causing me significant financial hardship, and I urgently need this matter reviewed.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Subject : Formal Complaint Failure to Block Fraudulent XXXX XXXX Account ( Identity Theft FCRA Violation ) To Whom It May Concern, I am submitting this complaint regarding inaccurate and fraudulent reporting by XXXX XXXX and ChexSystems. I am a verified victim of identity theft and have submitted an official FTC Identity Theft Report ( attached ). The fraudulent account in question is : - Institution : XXXX XXXX - Reported Issue : Account Abuse - Amount : Approximately {$240.00} - Date Reported : XX/XX/year> Account # : XXXX This account was not opened or authorized by me and was the result of identity theft. I have already taken the proper legal steps : - Filed an official FTC Identity Theft Report - Reported the fraud to financial institutions- Completed identity theft documentation and investigations As a result, XXXX XXXX XXXX XXXX XXXX ) has already blocked this exact XXXX XXXX account from my consumer file due to identity theft. However, despite this verified fraud determination : - ChexSystems continues to report this account - XXXX XXXX continues to furnish this inaccurate information This is a direct violation of the Fair Credit Reporting Act, specifically : - 15 U.S.C. 1681c-2 ( Requirement to block information resulting from identity theft ) - 15 U.S.C. 1681s-2 ( Duty of furnishers to report accurate information ) Once a valid identity theft report is submitted, the information must be blocked and can not continue to be reported.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a formal complaint regarding accounts reported by Wells Fargo that do not belong to me. XXXX accounts are currently appearing on my credit report with balances of {$5400.00} and {$2200.00}. I do not recognize these accounts, and I did not open, authorize, or benefit from them in any way. I previously disputed these accounts ; however, they were marked as " verified '' without Wells Fargo providing any documentation proving that these accounts are mine. No signed agreement, identifying information, or transactional records have been provided to establish ownership. Reporting accounts that do not belong to me constitutes inaccurate and misleading credit reporting and may be a violation of the Fair Credit Reporting Act ( FCRA ). I am demanding that Wells Fargo conduct a proper investigation and provide verifiable proof that these accounts belong to me. If they can not provide such proof, these accounts must be immediately removed from all credit reporting agencies. These inaccurate accounts are causing serious harm to my credit profile and financial standing, and I expect this matter to be resolved promptly and in full compliance with federal law.

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 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is your final notice. I demand a complete, detailed explanation of what transpired, why it transpired, and who authorized the retention or reporting of any data associated with my name. Your failure to provide a transparent, lawful account of your actions is inexcusable and unlawful. Let me be crystal clear : I demand the immediate, unconditional deletion of every data point, record, file, report, or any other information connected to my name that can not be backed by full, unassailable legal proof. No assumptions, no approximations, no incomplete internal recordsonly verified, lawful documentation. If you can not substantiate any part of the data, it must be deleted now. Your continued refusal to comply with federal and state law is not just negligenceit is willful, intentional misconduct. You have no legal right to retain or report any data that violates consumer protection laws. Every moment you delay is a direct violation of my rights.

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app I tried to complain and made disputed about transactions sent to the wrong people a few times. There was never anybody there to talk to. Just a machine. It wasnt very much help. I was contacted days later to find them saying they cant help me. If maybe I could have talked to a human being I could have prevented that from happening. And cash app never refunded me or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
Hi XXXX, XXXX XX/XX/year>, you contacted XXXX to report that XXXX transfers initiated on XX/XX/year>, for {$5500.00}, {$7000.00} and {$2800.00} totaling {$15000.00} through the Wise integration were unauthorized. You also reported that you believed your account had been compromised and that your multi-factor authentication settings had been changed. Upon receiving your report, XXXX treated the matter as a potential account takeover and immediately implemented precautionary security measures including placement of a withdrawal freeze on the account, a credential reset, virtual card replacement, and issuance of an identity verification ( IDV ) request. Following successful XXXX, the withdrawal freeze was removed, and full account access was restored. XXXX also conducted a comprehensive review of account access and transaction activity and we did not identify indicators of unauthorized account access or compromise. Our review confirmed that the login activity was observed from a trusted user device and the transferwise payee was added using the same user device. This device reflects a history of trusted user access sessions throughout the lifetime of the account. It is important to clarify that while Wise transfers are visible within XXXX 's platform due to the account integration, XXXX does not execute, settle, or process Wise transfers. Execution and settlement occur exclusively within Wise 's systems, and XXXX does not possess any technical or contractual mechanism to pause, modify, or reverse completed transfers once they enter Wise 's settlement infrastructure. Furthermore, XXXX is unable to accept losses where an account is compromised when XXXX 's commercially reasonable security measures are successfully executed, but adequate steps to safeguard pertinent information to access the account are not taken. We have determined this is what occurred in this instance. Based on the findings of its investigation, XXXX did not identify a failure in its systems. As such, we are unable to reimburse the reported transactions. We remain committed to cooperating with any further inquiries related to this matter. If you have additional questions or require further assistance, please feel free to contact us via in-app messaging or at XXXX. Best, WISE Transfer not helping my money recover both XXXX and wise are playing.

Company response to consumer: Closed with explanation