vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Financial Institution : Fifth Third Bank Product : Business Credit Card Issue : Inability to obtain transaction records/ Incorrect information provided Complaint Description : I am currently preparing my 2025 business taxes. Prior to closing my Fifth Third business credit card account in XX/XX/year>, I specifically asked whether I would retain access to my historical transaction records and year-end information needed for tax preparation. I was told that I would. 
After closing the account, Fifth Third removed my access and is now stating that these records can not be provided. This directly contradicts the information I was given prior to account closure and which I relied upon. 
My accountant requires that I personally provide fully categorized business expenses. To do this, I need a transaction-level XXXX export of all charges for the 2025 calendar year ( XX/XX/year> through XX/XX/year> ) from my Fifth Third business credit card account. 
A transaction-level XXXX export is a standard banking record and does not require online access. Without this data, I am forced into significant and unnecessary manual reconstruction of expenses solely due to Fifth Third providing incorrect information prior to closing the account. 
I am requesting that Fifth Third provide a complete XXXX  transaction file for all available 2025 activity, or an equivalent machine-readable export, so I can complete required tax filing. 
Desired Resolution : Delivery of a complete transaction-level XXXX export for all 2025 activity without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NV

Complaint narrative:
I am filing this complaint regarding Credit Control LLCs continued collection and reporting of debts that are the result of identity theft. 

I initially requested debt validation to determine whether the alleged XXXX XXXX XXXX and XXXX XXXX accounts were legitimately mine. At that time, I had not yet filed FTC Identity Theft Reports and was acting in good faith to allow the collector to establish my liability. 

The response to my validation request did not come from Credit Control LLC, but from a prior debt collector in the collection chain ( XXXX XXXX XXXX/ XXXXXXXX XXXX  ). The response consisted only of billing statements and internal account summaries and did not include any signed application, contract, or documentation demonstrating that I opened or authorized either account. 

Because no collector in the chain was able to establish my liability, I subsequently filed official FTC Identity Theft Reports documenting that both accounts were fraudulent. The XXXX XXXXXXXX XXXX account is listed as fraudulent on FTC Identity Theft Report # XXXX, and the XXXX XXXX account is listed as fraudulent on FTC Identity Theft Report # XXXX. These reports were made under penalty of perjury. 

Despite having notice that these accounts were identified as identity theft, Credit Control LLC has continued to attempt collection and report the same debts. I also disputed the accounts directly with Credit Control LLC via the email address provided to me by their representative. 

A downstream debt collector may not rely on another collectors unsupported account summaries as proof of a valid debt, nor may it continue collection or furnishing of credit information once identity theft has been documented. Continuing collection and reporting after receiving notice of identity theft constitutes unlawful debt collection activity and improper furnishing of credit information. 

Credit Control LLCs actions violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by attempting to collect and report debts that were never authorized and have been formally identified as identity theft.

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 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Online Information Services is attempting to collect and report a utility debt that I do not owe. 

This company is reporting an alleged balance related to a utility account without providing any documentation showing that I authorized service, that the service address belonged to me, or that the dates of service and charges are accurate. 

I previously disputed this account. Despite the dispute, the account was verified without any evidence establishing my responsibility for the debt. 

Continued collection and reporting of this account without proof of authorization or liability constitutes an attempt to collect a debt not owed and results in inaccurate credit reporting. 

I am requesting deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: CITIBANK, N.A.
State: NV

Complaint narrative:
b'I am filing this complaint because of a technical communication failure between Citibank (XXXX XXXX) and XXXX  regarding a billing dispute for XXXX with the merchant XXXX\n\nTimeline of Events:\n-XXXX XXXX XXXX  Transaction made via XXXX for XXXX XXXX XXXX I opened a dispute with Citi. (On Citi side the Case # is: XXXX XXXX XXXX XXXX XXXX XXXXXXXX: I contacted Citi to cancel the dispute and accept the charge. XXXX XXXX XXXX: Citi records show the funds were returned to the merchant\'s bank.  \XXXX XXXX XXXX: Citi issued a formal letter confirming the investigation is complete (see attachment).  \n\nThe Problem: \nDespite Citis official letter (attached), XXXX Resolution Center (On XXXX  side the Case #: XXXX) still shows the status as "Under review with the buyer\'s financial institution" (see attachment) XXXX claims they have not received the electronic "Case Closed" notification from Citi.\n\nFinancial Harm:\n1.Because of this technical sync error, the merchant cannot release my reimbursement as the funds are frozen in the XXXX system.\n\n2. Citi is charging me an 18.74% APR (Prime + 11.99%) on this $XXXX balance because the dispute is technically "open" in the shared system. I have been charged approximately $XXXXmonth in interest since XXXX  for a case Citi claims is closed.\n\nI have contacted both companies multiple times, but each directs me to the other. I am caught in a loop where neither company will manually coordinate to fix the electronic status.'

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: AZ

Complaint narrative:
The accounts are XXXX XXXX  XXXX, XXXX, XXXX, AND XXXX XXXX. 
I have disputed these accounts as they are paid in full but somehow went to my collections even though I was never late so they shouldn't have. This has hurt my credit score significantly and I need these removed by law. I have sent XXXX letters as well as disputes. It's been over XXXX days and I haven't gotten any information back. Per fair credit act, they HAVE to send verification documents to me or else they have to comply with my dispute. Please help me get this resolved as they keep denying disputes but not complying with the XXXX letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
What happened : I am a former student of XXXX University, a school that the XXXX Department of Education ( XXXX ) officially found in XX/XX/XXXX to have engaged in substantial misrepresentations and fraud. I have a private student loan originated by Wells Fargo Bank, N.A., for the purpose of attending this school. 

I am asserting my legal rights under the FTC Holder Rule ( XXXX C.F.R. XXXX ), which is explicitly included in my signed Promissory Note under Section XXXX ( XXXX  LAW NOTICES ). This provision states that as the holder of the note, Wells Fargo is subject to all " claims and defenses '' I have against the school, and that I am entitled to a " recovery '' of amounts paid. 

Actions taken and company response : Initial Dispute : I contacted the company on [ Insert Date ] to request a discharge and refund based on the XXXX  findings of fraud. 

Company Denial : On XX/XX/XXXX, the company denied my claim in a form letter stating that it was " unable '' to assist. 

Formal Rebuttal : I sent a formal rebuttal via certified mail on XX/XX/XXXX, specifically citing XXXX XXXX of my contract. 

XXXX  Denial : On XX/XX/XXXX, the company sent a XXXX  " final '' response, again refusing to acknowledge the contractual " XXXX '' provision or the XXXX  Holder Rule. 

XXXX Referrals : I filed with the Colorado Attorney General and the XXXX. The XXXX referred me to the CFPB because Wells Fargo is a depository institution with over {$10.00} XXXX in assets and falls within the CFPBs primary supervisory authority. 

The Issue : Wells Fargo is in breach of contract and is violating the Consumer Financial Protection Act by misrepresenting my rights. Per the CFPB 's own XXXX Supervisory Highlights, lenders are required to implement a process for school misconduct claims. Wells Fargo is currently ignoring its XXXX  and contractual obligations by flatly denying my right to a defense and recovery.

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 2026-02-05 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: SC

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 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
My mortgage servicing transferred from XXXX to XXXX and then back to XXXX on XX/XX/year>. After the loan returned to XXXX, my monthly payment increased from {$1300.00} to {$1400.00}. 

XXXX told me this increase was based solely on an escrow analysis they received from XXXX. However, XXXX has a welldocumented pattern of inaccurate and fraudulent escrow balances, as reflected in numerous federal consumer complaints. XXXX published XXXX  complaint describes XXXX adding fraudulent escrow balances, failing to itemize charges, and inflating escrow accounts with nontax/insurance fees. 

The CFPB has also issued formal enforcement actions against XXXX for systemic failures, including providing inaccurate information to borrowers, payment misapplication, and poor escrow management. 

XXXX has refused to review or validate XXXX escrow data, even though borrowers commonly experience billing and escrow errors during XXXX transfers. 

I am requesting the CFPBs assistance to : XXXX. Force XXXX to conduct a proper XXXX escrow investigation. 
XXXX. Require XXXX to obtain and validate XXXX transfer ledger and escrow analysis. 
XXXX. Correct any errors and restore my payment if XXXX analysis was inaccurate. 

The increase appears unsupported, and I have been unable to obtain proper documentation or remediation from either servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
I am reporting a consumer fraud involving Cash App. 
I sent {$1000.00} through Cash App to a nonprofit called XXXX XXXX XXXX XXXX XXXX XXXX  after being promised move-in housing assistance. I am XXXX  and a XXXX  consumer. 
The promised service was never provided, no refund was issued, and I believe the funds were collected under false pretenses. 
I have reported this matter to the Georgia XXXX of XXXX and the IRS for nonprofit fraud. I am requesting assistance, investigation, and documentation of this scam to protect my consumer record and get my money back. That company is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/year>, I was the victim of an impersonation scam involving XXXX. I was contacted by someone falsely claiming to represent a bank fraud department and was coerced under false authority into sending three XXXX payments totaling {$3000.00} ( {$2000.00}, {$500.00}, and {$500.00} ). 

Once I realized the communication was fraudulent, I contacted Citizens Bank immediately and reported the incident. A fraud intake case was created, and I fully cooperated with all requests for information. 

Citizens Bank later denied reimbursement, classifying the transfers as authorized, despite the impersonation, coercion, and immediate reporting. I am requesting CFPB review of this determination and a reconsideration of reimbursement under impersonation fraud standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
A collection account reported by Collection Bureau of America was paid in full. The account shows an original balance of approximately {$900.00}, a {$0.00} balance, and is marked as Paid collection and Closed with a closure date of XX/XX/year>, last reported XX/XX/year>. 
Despite being fully paid and closed, this collection continues to appear on my credit report and is negatively impacting my credit. I disputed the account through XXXX XXXX, but the dispute was declined, and the inaccurate or unnecessary reporting remains. 
Since the debt has been satisfied in full and there is no remaining balance or obligation, continued reporting of this collection is unfair and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My business account with Citibank was closed over six months ago following a fraud review.

Despite multiple inquiries, my business funds has not been released, moreover Citibank has failed to provide a written final determination or legal basis for holding these funds I fully cooperated with the review, however, my account was closed before the investigation was completed, and no official explanation letter notice was issued.

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 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have never had an apple credit card and I recently pulled my credit report and seen that this fraudulent credit card was reporting to credit bureaus. Someone applied and got this card without my knowledge. I have supplied transition with proof that this is not my debt as well as Apple Card and /Goldman Sachs Banks . The dispute came back as verified and they didn't provide me any infomation about this fraudulent debt. I have ask them to supply my proof of this debt, when and where it was opened, ip address, signed contracts, email address etc to help me with my investigation. but all I got is a letter saying that they verified this fraudulent debt as belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desi and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692 ] of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my Signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information ( if required by law in your jurisdiction ).

A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 


Sincerely, 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 2026-02-05 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My credit card was lost, and I notified the credit card company as soon as I became aware of the loss and requested that the card be closed. After the card was no longer in my possession, unauthorized transactions appeared on my statement.

I did not authorize, make, or benefit from these transactions. I promptly contacted the company and opened fraud disputes. The disputes were denied twice.

The denial letters state that the card was not utilized after you notified us to close the card. This statement does not explain how the disputed transactions were determined to be authorized, nor does it address the fact that the card was lost and no longer in my possession at the time the transactions occurred.

At the companys direction, I reopened the disputes as appeals. New appeal claims were opened ( Claim Nos. XXXX and XXXX ), and these were also denied without a clear explanation of the evidence relied upon.

I requested that the company contact the merchants involved and obtain proof of authorization, including transaction details, method of payment, and any delivery or pickup information showing that I approved or benefited from the transactions. I was not provided with any such evidence.

I am seeking a proper investigation, a clear written explanation of how the transactions were deemed authorized, and correction of the disputed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: TX

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