vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Experian Subject : Formal Dispute Under FCRA Inaccurate & Unverified Accounts To Whom It May Concern, I am formally disputing inaccurate, incomplete, and unverifiable information on my credit report. DISPUTED ITEMS : 1. XXXX Account Charged-Off ( {$2000.00} ) * Inconsistent reporting after charge-off * No validation of balance 2. XXXX XXXX Account Charged-Off ( {$970.00} ) * Balance exceeds original loan * No itemized accounting 3. Collection Accounts ( 5 total ) : * XXXX XXXX {$1100.00} * XXXX XXXX {$1400.00} * XXXX XXXX XXXX {$680.00} * XXXX XXXX {$530.00} * XXXX XXXX {$300.00} These accounts lack : * Verified contracts * Proof of ownership * Complete payment histories LEGAL BASIS These items violate : * 15 U.S.C. 1681e ( b ) Maximum possible accuracy * 15 U.S.C. 1681i ( a ) Reinvestigation requirement * 15 U.S.C. 1681s-2 ( b ) Furnisher verification duty REQUEST I demand : 1. Full reinvestigation of all listed accounts 2. Verification with supporting documentation 3. Deletion of any unverifiable or inaccurate data You have 30 days to comply under 15 U.S.C. 1681i ( a ) ( 1 ). Sincerely, 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 2026-05-14 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: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
XXXX charged my account unauthorized for two transactions. - {$100.00} To Account : XXXX XXXX Transaction Reference Number XXXX XX/XX/XXXX - {$100.00} Online Transfer / Payment : Debit To Account : XXXX XXXX Transaction Reference Number XXXX XX/XX/XXXX The reason why I was not able to dispute these within the time frame was that I was trying to work it out with the merchant. The transactions were NOT authorized by me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: HUNTINGTON NATIONAL BANK, THE
State: TN

Complaint narrative:
On XX/XX/year> I began the process of trying to buy my first home with XXXX XXXX by applying for a mortgage. Immediately I received an email from one of their loan officers XXXX XXXX looking to discuss my options. On XX/XX/XXXX, XXXX XXXX ran my credit and pre approved for a mortgage loan with their company pending final Underwriting and usda approval. I acted in good faith by supplying all documentation concerning income, assets and employment. I also acted in good faith while moving forward throughout the process with paying for appraisals, home inspections and earnest money once my realtor and I got under contract for a home. Because of the confidence instilled in me on behalf of the bank, I had already informed my landlord for my residence at the time that I would be moving out on XX/XX/XXXX. On XX/XX/XXXX, 9 days before my contracted closing date. XXXX informed me that usda would be declining my loan due to me exceeding the income limits. My income was provided a month before this time and should have been analyzed and verified well ahead of this time before I spent this money. After this contract failed, My loan officer then took measures to see if she could get me approved for an fha loan using XXXX XXXX in house XXXX program. She reassures me at several points throughout this process that I qualified for the XXXX and that she was confident I would be able to get into a home. XXXX also had reassured me that I had already been vetted and verified by their underwriters so the process to get into home wouldnt be so complex because we had already done most of the leg work to that point. Due to my XX/XX/XXXX deadline to be out of my home, I moved with a sense of urgency to find a home and was under contract for a different home in approximately 2 weeks after notification of initial loan being declined. Proceeding forward with the fha loan, I incurred more expenses in the form of new appraisals, inspections, earnest money, moving and storage unit expense. On XX/XX/year> XXXX XXXX officially informed me that again, my loan was not approved by underwriting due to exceeding income limits of XXXX programs. My child and I are now forced to move into an apartment that is more expensive than the place I was staying in before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this escalation complaint against Equifax , Inc., referencing my original complaint number XXXX. Equifax 's response to my initial complaint was inadequate and evasive. They claimed they were unable to locate my credit file, citing reasons such as not having applied for credit recently, not using credit in the last XXXX years, or not having a U.S. Social Security number. This response is unacceptable and fails to address the core issue of their non-compliance with the Fair Credit Reporting Act ( FCRA ). I have provided Equifax with all necessary identifying information, including my full name, XXXX XXXX, my date of birth, XX/XX/year>, and my Social Security Number, XXXX. This information was included in my original CFPB complaint, making Equifax 's response either a deliberate dodge tactic or indicative of deficient record-keeping practices. Equifax 's inability to locate my credit file constitutes a clear violation of their obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that a consumer reporting agency must conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item of information. Their failure to even locate my file suggests a failure to conduct any investigation, let alone a reasonable one. Furthermore, Equifax 's response fails to address the requirement under FCRA 1681e ( b ) to maintain maximum possible accuracy of the information in consumer reports. By claiming they can not locate my file, Equifax is effectively admitting to not maintaining accurate records, which has adversely affected my credit scores with Equifax , Experian, and TransUnion. Equifax 's actions, or lack thereof, demonstrate a pattern of non-compliance and disregard for consumer rights under the FCRA. I am requesting that the CFPB take enforcement action against Equifax for their willful and negligent non-compliance with the FCRA. Specifically, I demand that Equifax be required to conduct a proper reinvestigation of my credit file, correct any inaccuracies, and ensure the accuracy of my credit report moving forward. Additionally, I reserve my rights under 1681n for willful non-compliance, 1681o for negligent non-compliance, and I request the CFPB refer Equifax for enforcement action to prevent further harm to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I am submitting this complaint against Midland Credit Management , LLC regarding inaccurate credit reporting, failure to properly investigate disputed information, failure to validate alleged debt, and violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Midland Credit Management , LLC continues reporting disputed collection accounts on my credit reports with XXXX XXXX and XXXX despite failing to provide proper validation or supporting documentation for the alleged debt. The accounts are allegedly connected to XXXX, but the collector has never provided complete account-level documentation, proof of ownership, account statements, chain of assignment, or evidence sufficient to verify the balances being reported. The tradelines contain incomplete and unreliable information, including missing dates of first delinquency, missing dates of last payment, incomplete account history, and lack of documentation validating the alleged balances. Despite these deficiencies, the company continues reporting the accounts as verified. On or about XX/XX/XXXX, I sent a written dispute directly to Midland Credit Management requesting investigation and validation of the accounts. On or about XX/XX/XXXX, I also filed disputes with XXXX XXXX, and XXXX. To this day, I have not received proper debt validation or sufficient documentation supporting the alleged accounts. Despite this, the company continues furnishing the same disputed and unverifiable information to the credit bureaus and continues collection activity. I believe this conduct violates the FDCPA, including but not limited to : 15 U.S.C. 1692e for using false, deceptive, or misleading representations regarding the alleged debt ; 15 U.S.C. 1692f for using unfair or unconscionable means to collect or attempt to collect a debt ; and 15 U.S.C. 1692g for failing to provide adequate validation of the alleged debt after dispute. Their conduct has caused damage to my credit score and reputation, reduced my access to favorable credit opportunities, increased financial stress, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A total of XXXX unauthorized XXXX transactions were fraudulently processed on my Wells Fargo accounts during the months of XXXX and XXXX, XXXX, totaling {$13000.00}. Despite my attempts to resolve this issue by phone with Wells Fargo XXXX XXXX XXXX Department and the XXXX XXXX XXXX XXXX, their representatives have refused to communicate directly with me or to conduct a proper investigation. I have filed XXXX separate claims because my accounts were breached 3 times. Each claim was denied without any verbal explanation. During each investigation, nobody from the XXXX department ever spoke with me to give me an opportunity to argue my case regarding these fraudulent transactions. Deny, deny, deny, youll get our explanation in the mail. My bank statements clearly show a total of XXXX fraudulent transactions on BOTH of my accounts. XXXX. Account XXXX : XXXX fraudulent transactions, ALL by a person who goes by XXXX XXXX. Account XXXX : XXXX fraudulent transactions, ALL by a person who goes by XXXX Please note that on XX/XX/XXXX I called Wells Fargo XXXX department when I first discovered the first XXXX transactions. I was told that my account XXXX would be put on RESTRICTED mode and they would close my XXXX account. On XX/XX/XXXX account XXXX was violated XXXX times, each in {$100.00} transactions! Consequently, the XXXX department told me to go to my local branch ( XXXXXXXX XXXX ). I closed account XXXX and opened account XXXX. On XX/XX/XXXX, account XXXX was breached XXXX times in {$100.00} increments. On XX/XX/XXXX, I completely closed account XXXX. The evidence PROVIDED by Wells Fargo 's Claims department clearly shows that : XXXX ) None of the Two-Factor Authentication records were sent to my phone. Also, my XXXX XXXX XXXX phone records do not show any XXXX messages to my phone. XXXX ) None of these unauthorized transactions originated from my browser XXXX ) The XXXX addresses that the unauthorized transactions originated were NOT from any of my devices. Even to the XXXX eye, it is obvious that I did not authorize, initiate, or have knowledge of these transfers. Furthermore, at no point did I receive a Two-Factor Authentication ( XXXX ) text message or email security code to approve these transactions, nor did I provide login credentials to any third party. The fact that these transactions bypassed standard multi-factor protocols indicates a severe breach of security systems or an unauthorized access exploit. Because the access was unauthorized and no codes were sent to or verified by my registered device, Wells Fargo is legally liable for these stolen funds.

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 2026-05-14 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I opened an airline credit card. XXXX XXXX from Barclays for the travel points. I used it a few times with no issues. I tried to use my security pin and had to reset it online. This created a fraudulent alert on my card. I called to unblock the alert but was told that this was the highest alert and had to fax in a photo of my SSN card front and back, license front and back, a utility bill, and a bank statement. I called multiple times and was given different direction each time. I was not comfortable with this fax but I did it twice already. Each time I call ( numerous times ) I get a different reason why all this info is not good enough. I feel that I am getting scammed. So far my license photo was illegible too dark etc. I also faxed an 8x10 photo. I have spoken to a manager also. Last time I called they said I need another bank statement. Please help. They allowed me to pay on the card, log in and speak to representatives although I might be an imposter..

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 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: AutoMoney, Inc.
State: SC

Complaint narrative:
Title loan company called auto money in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX did not receive proper insurance information or paper to process a loan for my car on XX/XX/year> and my car was stolen same day. I reported it missing to XXXX SC police who are actively looking for my car. I called the title loan company to see if there was a tracker on the car and they told me no because the loan was not big enough for it to have one. So I asked what is the insurance information they received so I can call them and let them know my car was stolen and at the time of purchase, my XXXX XXXX XXXX XXXX XXXX XXXX put auto insurance on my vehicle through her insurance company and he is the one who took off in my car same day and have not been seen since. I called to see if once he went back inside the building to show proof of insurance if they could send it to me through email with all paperwork regarding my loan and they arent able to produce the paperwork or insurance documents that I dont believe he showed them once he went back inside with out me there to witness it myself. I walked out the building with the check in my hand before he supposedly showed proof of insurance. Now I was told I had to miss a few payments before they start a repossession and I asked why wait if they can start it now knowing I wont be making any payments towards the loan until the car is found. She told me I would have to wait until the manager is there to speak to her about the situation and I was still responsible for the payments.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 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: MD

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 2026-05-14 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: Chime Financial Inc
State: MN

Complaint narrative:
XX/XX/year> I noticed 5 charges on my account at stores over 100 miles away from where I live. I cancelled my card and then called chime to dispute the charges. Chime denied my dispute three times even after sending them all documents they asked for. I even went to the stores to ask for information and they said my card is not in their data base. They said it was most likely fraud. Chime has not been helpful in any way with me to recover my funds. The charges are XX/XX/year> XXXX XXXX {$180.00} @ XXXX XXXX XXXX {$450.00} @ XXXX XXXX XXXX {$450.00} @ XXXX XXXX XXXX {$470.00} @ XXXX XXXX XXXX {$540.00} @ XXXX Totaling {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX XXXX XXXX. Bank of American XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo. I was at the location looking to do a direct deposit transaction. When the hostels became very disrespectful and abusive verbally when I was at the above location. My account was under fraud when I was directed to come in to a local branch to get my direct deposit payment. When I got to the branch the clerk was very rude which I need further clarification to my account buy her I believe supervisor which I was then told to go to the waiting area. Which I waited the believed supervisor came out agitated and begin being verbally aggressive and I then asked for a time frame for services she then refused service and told me to not speak and to be quiet then I in disbelief said WOW she proceeded to tell me I said another word I can leave she then proceeded to call security to have me escorted out of the branch. I did not also get to do my transaction.

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TapTap Send Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding international money transfer transactions processed through TapTap Send and the handling of the related dispute by XXXX XXXX. I sent multiple transfers through the platform after being led to believe the recipient had not received the funds. Initially, the charges did not appear on my XXXX account, but they later posted unexpectedly. After the transfers were marked successful, the recipient blocked communication with me. I immediately contacted the transfer service and requested recalls of the transactions. Over several months, I repeatedly followed up but was not provided with clear proof of delivery, recipient verification, or a final resolution. XXXX XXXX initially issued provisional credits during the dispute investigation, but later reversed the credits after the transfer company challenged the claim, resulting in a negative account balance of approximately {$9000.00} {$10000.00}. The transfer company has since confirmed in writing that recall requests are still being pursued with the receiving bank, meaning the matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: Experian Information Solutions Inc.
State: MD

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
asked multiple times for written confirmation stating that I qualified for the {$250.00} bonus. XXXX clearly stated over the phone that I did qualify and that I would be receiving the bonus, yet when I requested something in writing, she refused to provide it. I also made her aware that the call was being recorded for documentation purposes. After requesting to speak with a supervisor, I was intentionally left on hold for approximately XXXX minutes before the call was ultimately disconnected. This level of unprofessionalism and lack of accountability is unacceptable, especially after verbal confirmation was already given regarding my qualification for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I was on vacation. When I got home on XX/XX/year>, I noticed that there were XXXX wire transfers that were unauthorized by me completed on my accounts. XXXX was from my Checking Account in the amount of {$30000.00} sent to XXXX XXXX XXXXXXXX to XXXX XXXX. This person is unknown to me. I have never heard of her and I have no relationhip with this person. The second wire transfer was from my XXXX Account in the amount of {$30000.00} to XXXX to XXXX XXXX XXXXXXXX. Again, I don't know who this is. There transfers were complete within XXXX hours at by XXXX XXXX I didn't get home and see it until XXXXXXXX XXXX. I never received any notification from Citibank for further verfiication or any phone call. A zelle account was created fraudulently by XXXX XXXX and a payment was sent for {$500.00}. Finally, a direct debit was sent in the amount of {$170.00}. At no time was I called or anything. I immediately informed Citibank and they filed separate case numbers for everything. I have no knowledge of any of this and I wasn't even home or near my computer at the time this fraud occurred.

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