vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submitting this formal complaint regarding inaccurate, incomplete, and unverifiable account information being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically involving late open accounts and charge-off accounts that are being reported inconsistently and without proper validation. The XXXX account ( Acct ending XXXX ), opened on XX/XX/XXXX with a reported balance of {$5200.00} and last activity date of XX/XX/XXXX, is being reported with alleged XXXX late payments in XXXX and XX/XX/XXXX that do not accurately reflect my payment history and remain unverified. Additionally, the XXXX account ( Acct ending XXXX ), opened on XX/XX/XXXX with a reported balance of {$21000.00} and last activity date of XX/XX/XXXX, is reporting multiple alleged XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which are disputed as inaccurate and not supported by my records. Furthermore, charge-off accounts including XXXX XXXX XXXX XXXX ( Acct ending XXXX ), reporting a balance of {$2300.00} with an open date of XX/XX/XXXX, and XXXX XXXX ( Acct ending XXXX ), reporting a balance of {$3100.00} with an open date of XX/XX/XXXX, are being reported as tied up to open accounts, which reflects unclear, inconsistent, and unverifiable account status information that has not been properly validated or corrected. These entries fail to clearly and accurately represent account status, ownership, and reporting compliance, and the continued reporting of these inaccuracies demonstrates a failure to maintain maximum possible accuracy and to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act, resulting in ongoing harm to my credit profile and financial standing.

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 2026-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: IN

Complaint narrative:
" I am a consumer experiencing documented financial hardship. I have officially terminated my contract with third-party debt management services to handle my obligations independently under a strict monthly budget. Credit Control , LLC is currently collecting on a former XXXX XXXX XXXX credit card account ending in XXXX. I have previously initiated proactive correspondence to your office proposing a direct, affordable XXXX XXXX monthly hardship payment arrangement to resolve this balance responsibly. Because this account was left unnegotiated by my former program, I am using this portal to secure a formal response. I am unable to safely negotiate these terms over the telephone due to stress and the critical need for a written paper trail, and your agency does not offer a transparent consumer email option for direct hardship setups. ''

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 2026-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the following hard inquiries on my credit report, as i have been diligently working to build and maintain my credit. On XX/XX/year> i was alerted to several inquiries i did not authorize. I believe these inquiries are the result of fraudulent activity or identity theft. I did not apply for credit with these companies nor did i provide consent for any credit checks to be performed. XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My online banking profile was severely compromised via an ACH Account Takeover, resulting in an unauthorized fraudulent transfer of {$28000.00} out of my checking account. The fraudster executed this transfer using my physical laptop, which had been XXXX immediately notified DCU of this unauthorized transaction and opened an official dispute. To demonstrate complete good faith and provide ironclad documentation, I explicitly provided XXXX Fraud Operations and Risk Management teams with XXXX official law enforcement documents : XXXX separate local police reports regarding the physical theft and account compromise, alongside an official federal FTC Identity Theft Affidavit ( signed under penalty of perjury ). These documents fully substantiate the crime and legally override the matching device/IP address flags caused by the stolen laptop.Today marks the XXXX business day since I formally notified DCU of this error. Under 12 CFR 1005.11 ( c ), DCU is required to either completely finish its investigation or provide a provisional credit for the full {$28000.00} while they extend their investigation window. DCU frontline staff confirmed that my documents were received and escalated " high up '' to management, yet DCU has failed to establish my provisional credit.By failing to XXXX access to my funds or provisionally credit my account by the federal deadline, DCU is in active non-compliance with Regulation XXXX, causing severe financial hardship. I request that the CFPB immediately intervene, compel DCU to comply with federal mandates, and enforce the immediate release of my {$28000.00} provisional credit.

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 2026-06-23 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: TX

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 non-monetary relief
Consumer complaint received 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I successfully deposited a check via the XXXX app. After the funds cleared, XXXX locked my account and demanded ID verification. I have now submitted a clear, glare-free, valid state ID twice, doing exactly as requested, but they continue to reject it without cause after days of waiting. This unwarranted freeze is withholding my funds and causing severe financial hardship. I request an immediate manual review of my identity documents by an escalated executive tier and the immediate unlocking of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion because it continues to report a collection account from XXXX XXXX XXXX despite the collection agency confirming that the account was withdrawn and that the credit bureaus were updated for removal on XX/XX/year>. I have disputed this account multiple times and requested documentation proving that I am legally responsible for the alleged debt. TransUnion has continued to verify and report the account without providing any evidence or meaningful explanation of how it determined the information is accurate. XXXX XXXX XXXX has already acknowledged that the account was withdrawn and instructed that the removal should be reflected on my credit reports. Despite this, TransUnion continues to report the collection, causing ongoing damage to my credit profile and preventing maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). I am requesting that TransUnion immediately remove this collection account from my credit file, conduct a proper reinvestigation, and provide a written explanation of how the account continues to be reported after the furnisher has confirmed its withdrawal. If TransUnion can not provide competent evidence supporting the accuracy of this account, it should be permanently deleted from my credit report.

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 2026-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
On XX/XX/year>, my bank accounts were garnished completely causing them to have been overdrawn and currently in a negative standing. This is causing further financial hardship for me and my family as I am not able to pay rent or purchase food. I contacted the debt collection agency identified as Pressler , Felt & Warshaw , LLP - XXXX XXXX XXXX, XXXX, NJ XXXX - ( XXXX ) XXXX on the same day was confirmed that the letter issued was mailed to an address I do not live at. They asked I scan and forward any mail with my name and current address. I forwarded a copy of my car insurance with the proper address and my name. After my follow up, I was further advised to send something else. I opted not to continue to volunteer information as they have yet to provide any documentation confirming they own the debt, they failed to produce the chain of ownership or substantiate the debt with a debt validation letter. I am trying to work with the agency but their practices are predatory and did not allow me the opportunity in writing to perform on the debt being presented.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
My wife and I discovered on XX/XX/XXXX that we were not able to make transactions on our Bank of America checking account. When logging into my account online, I was given a phone number to contact. After being on hold, multiple times, for over an hour each time, I finally reached someone at this number but they disconnected the call. I visited a Bank of America banking center on XX/XX/XXXX and was told that a certain group in Bank of America froze our account, likely due to fraud. I was given a different number to contact, specifically for the group that froze our account. I made multiple calls again, to this new contact number, and when I reached someone, it was confirmed that our account was frozen on XX/XX/XXXX. They could not share the specific reason and told me that I would only hear from Bank of America once it had been resolved ; I would not receive any updates or details of when they believed it would be resolved. It is now XX/XX/XXXX. I have received XXXX updates on the status of this account. This has caused a MAJOR inconvenience XXXX XXXX rejected payments made causing delays on any payments owed to creditors.

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 2026-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I used XXXX XXXX send transfer internationally from Wells Fargo. On XX/XX/year> {$500.00} was sent to XXXX On XX/XX/year> {$260.00} was sent to XXXX Both transactions were rejected with no reason why. Person name, account number, routing number were correct. Also, tried transfering to XXXX and will not allow account number input. Which account only has XXXX digit and system said requires XXXX digits.

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 2026-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Between XXXX and XXXX, I obtained an online loan from a lender. Upon approval, the funds were deposited into my SunTrust Bank account. Approximately one to two days later, the lender contacted me to explain that the loan processor had failed to include all applicable fees and accurate terms. The lender detailed the associated fees, including membership, processing, and other charges. Subsequently, I visited the bank to inform them of this conversation and requested a fraud alert be placed on the account to verify the legitimacy of the loan. The branch staff initiated the alert and forwarded the case to the bank 's fraud unit. During the investigation, my primary contact was XXXX XXXX, who assigned XXXX XXXX to handle the case. I am unable to recall the investigator 's full name due to his unprofessional handling ; he refused to share any information about the case throughout its duration. I maintained communication with XXXX XXXX, but she informed me that details could not be disclosed because the case was ongoing. The case was eventually closed, and approximately {$13000.00} was seized without any explanation or disclosure of the findings related to the suspected fraud I had raised. A few weeks ago, I was contacted by a lender inquiring about the non-payment of the loan. I explained that the bank had seized the funds, including my remaining account balance. I contacted the bank again ; the funds are still being held and have neither been returned to the lender nor to myself. Legally, if the bank determined there was no fraud, the funds should have been reimbursed to me. Despite XXXX years passing, the bank continues to withhold the funds. Currently, XXXX XXXX has stated that the bank is attempting to return the funds to the lender. There is a high degree of concern regarding this situation, and I am seeking clarification. Thank you for your attention and assistance.

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 2026-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am submitting this complaint against IC System regarding an alleged debt in the amount of {$210.00}. I dispute the validity and accuracy of this account. I have contacted IC System directly on multiple occasions and requested validation of the alleged debt. Despite my requests, IC System continues collection activity and continues reporting the account without providing sufficient documentation establishing that I owe the debt. Specifically, I have requested competent evidence supporting the alleged obligation, including documentation identifying the original creditor, account statements, and evidence establishing their authority to collect. To date, I have not received satisfactory proof. I believe IC System is reporting and attempting to collect information that has not been properly substantiated. I request that the Consumer Financial Protection Bureau investigate this matter and require IC System to provide competent evidence supporting the debt or cease collection efforts and delete any inaccurate or unverified information furnished to consumer reporting agencies. Desired Resolution : Provide complete documentation establishing the validity of the alleged debt ; or Cease collection efforts and delete any information that can not be properly verified from all consumer reporting agencies. Thank you for your assistance in this matter. XXXX XXXX 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 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I was sent an email stating that my XXXXXXXX XXXXs AAdvantage card was being switched to Citibank and that I would receive a new card within 4 - 8 weeks. Today is a few days short of 12 weeks and I have not received a new card. I had not used my physical XXXX XXXX card for some time, all my payments were automatic. I had no way to transfer these accounts because the new card and dashboard on Citi.com had not yet been set up. Over the following weeks I was contacted by a collection agency stating that I had overdue accounts. At the end of XXXX of XXXX I tried in vain to access information about my account through CitiBank. No live agents were available, only BOT information about how to open a new dashboard for my AA card on CitiBank. No matter what I did I could not get the conversion to work for me. I had to conclude it was not yet functional. I waited for the new card to arrive. I checked again the first week of XXXX during my routine monthly payment of finances. Today, XX/XX/XXXX, I tried again and FINALLY I was able to instantly open my new dashboard in Citibank and review my statements. I learned that as of XX/XX/XXXX, Citibank charged an annual fee. I paid my account but then called to file a complaint. When they had no response, I cancelled my card. I have had no access to my card or account for 3 months, I want payment for the quarter in which I was unable to use. Note : I have still not received a new card and only today learned my new account information including rates, etc. Nothing in the mail, nothing in my email about accessing this new account. This is poor business and unfair practices against the consumer.

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 2026-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report 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