vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally write a complaint against Experian for the accuracy of the below -referenced account on my credit report. Pursuant to the Fair Credit Reporting Act, Section 605B, when an item results from identity theft, it must be blocked from the report. After careful review, I believe the above account are inaccurate and are likely associated with identity theft. XXXX XXXX Account- XXXX Date Opened : XX/XX/year> Amount : {$1400.00}

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 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Property Receivables, Corp
State: FL

Complaint narrative:
This debt does not belong to me. Please update the credit profile to reflect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX you for contacting the XXXX XXXX XXXX. This message is in regard to your complaint submitted on XXXX against Bank of America. Your complaint was assigned XXXX XXXXXXXX XXXX case has been reviewed and has now been forwarded to the business for their response. This business has XXXX days to respond to your complaint. You may contact our office after that time limit to check the status of your complaint.XXXX encourage you to uses our ONLINE COMPLAINT system to keep up with the progress of this complaint. XXXX XXXX XXXX I was purchasing XXXX XXXX tickets and when I went to check out an offer came up to apply for a credit card and if I applied and I was approved that I would get a XXXX credit card statement credit, so I applied and was approved. The card is the Bank of America and then after I got my statement NO credit of XXXX was on the bill and there was a XXXX yearly fee, and I had not even activated the card after receiving it yet. XXXX issue is I am being told not that I cannot have the XXXX credit like it said when I applied for the card - Bank of America is stating that I would have to spend XXXX before would get any such credit and now they are saying the credit is less than that XXXX feel this whole issue is a bait and switch - I was offered the XXXX if I applied and was approved and now that is not the XXXX feel like was scammed and bait and switch and I would not have even applied for the card if this was not true and I would have this much problem. XXXX total charge was XXXX so on XXXX, on XXXX Bank of America charged XXXX annual fee, then I made payment of XXXX which made XXXX left and then on XXXX Bank of America took a payment of XXXX which i did not authorize and then I was charge interest of XXXX on XXXX. After fighting with Bank of America and XXXX XXXX no taking to me regarding this issue on XXXX I made the payment of XXXX XXXX the rep took off the interest, so this is now paid XXXX am still not happy and believe Bank of America should be responsible for paying me the XXXX that was offered when I applied for the card and was told if I was approved that I would get that credit and that is not fair for this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NM

Complaint narrative:
The company was extremely oppressive and threatened me by saying that I refused to pay despite me trying to work with them. The most recent date of this occurrence was today. XXXX. The company representative forced me to pay a threatened with negative credit reporting despite paying under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting a follow-up complaint regarding TransUnions continued reporting of inaccurate and unverifiable information on my credit report. I previously disputed multiple accounts with TransUnion, including accounts associated with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. These accounts were marked as verified as reported. However, I have since filed direct disputes with the furnishers requesting validation and supporting documentation. To date, no sufficient documentation has been provided demonstrating how these accounts were verified, including no signed agreements, account-level records, or proof of ownership. Despite this, TransUnion continues to report these accounts as verified. I have not been provided with any details regarding the specific records reviewed or the procedures used to verify the disputed information. Given the lack of supporting documentation and explanation, I am concerned that a reasonable and thorough investigation may not have been conducted. This matter requires a complete and careful review to ensure compliance with the Fair Credit Reporting Act and the requirement to assure maximum possible accuracy.

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 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
XXXX a victim of identity theft Someone used my personal information without my authorization to open and use an account with affirm to purchase furniture online with the merchant XXXX XXXX XXXX XXXX I did not apply for this credit and I did not authorize any transaction related with this account on my credit report. I immediately contacted affirm and reported the fraud, and I provided documentation proving that I was not responsible for this purchase. Despite this, the account continues under my name and with collections agency, negatively affecting my credit Im not responsible for this account this includes the name and address where the furniture was delivered which not does not match my information, additionally the individual who used my identity provided their own bank account information which affirm used to withdraw payments I requesting a full investigation and immediate removal of this fraudulent account and any related negative information from my credit report. Loan XXXX XXXXXXXX Date Obtained : XXXX XXXX Merchant XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6900.00} Loan Amount XXXX {$6900.00} XXXX XXXX XXXX XXXX Term XXXX XXXXXXXX Installment Loan Remaining Balance XXXX XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Complaint Against : XXXX XXXX XXXX / XXXX, XXXX XXXX XXXX, XXXX. Complaint Summary : I am filing a formal complaint regarding an alleged debt being collected by XXXX, XXXX XXXX XXXX, XXXX. on behalf of XXXX XXXX XXXX. I dispute this debt in its entirety due to improper handling of secured collateral and failure to provide legally required documentation. The account appears to be tied to a vehicle that was surrendered and/or repossessed. However, I was never provided with proper documentation regarding the disposition of the collateral. Specifically : - I did not receive notice of sale or disposition of the vehicle- I was not provided an accounting of how the vehicle was sold or how proceeds were applied - The creditor appears to still retain control of the vehicle title without providing proof of lawful transfer - No deficiency calculation has been properly explained or validated Despite these major deficiencies, I am now being pursued for a balance of approximately {$11000.00}. This raises serious concerns regarding violations of : - The Fair Debt Collection Practices Act ( FDCPA ) - State laws governing repossession and disposition of collateral - UCC Article 9 ( secured transactions ), including failure to provide proper notice and accounting I have formally requested validation of this debt, including all documentation related to the collateral, but have not received sufficient proof. -- - What I want : - Full validation of the debt, including all required documentation - Proof of lawful repossession and sale of the collateral - Full accounting of how the alleged balance was calculated - If this can not be provided, immediate cessation of collection and removal from my credit report -- - Additional Information : This situation is causing financial hardship and stress. I am prepared to pursue further legal action if this matter is not resolved properly. -- - Preferred Resolution : Investigation and removal of the debt if proper documentation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management keeps harassing me about a debt that I do not owed. Please I need this debt removed from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am filing a complaint against Chime and XXXX XXXX XXXX for failing to properly investigate and resolve an unauthorized transaction under the Electronic Fund Transfer Act ( Regulation E ). On XX/XX/year>, a {$1000.00} transaction to XXXX was made from my account that I did not authorize. At the time of the transaction, my wallet and debit card were lost or stolen, and I did not have possession of my card. I reported the unauthorized transaction immediately on XX/XX/year>. I confirmed that I did not provide my card, PIN, or account access to anyone. My account history shows that I previously made a {$500.00} XXXX transaction on XX/XX/year>, which reflects my normal usage. The disputed {$1000.00} transaction is inconsistent with my account behavior and exceeds my established usage pattern. Additionally, my XXXX account records do not show any {$1000.00} transaction, confirming that the charge did not originate from my account. Chime denied my claim without conducting a reasonable investigation. They stated that my documentation was not sufficient and refused to initiate a chargeback or contact the merchant. They also attempted to reclassify my dispute incorrectly as paid by other means based solely on prior transaction history. Chime has not provided any evidence that I authorized this transaction. A bank statement alone is not proof of authorization. Under Regulation E, the financial institution has the burden of proving that a transaction was authorized and must conduct a reasonable investigation. Chime failed to meet these requirements. I am requesting : Full reimbursement of the {$1000.00} unauthorized transaction A proper re-investigation of my claim Documentation showing the evidence used to determine authorization I have attached supporting documentation, including my bank statement, dispute records, and account evidence. If this matter is not resolved, I will pursue further action. Chime refused to contact the merchant or perform a chargeback, which indicates no reasonable investigation was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Claim Reference : XXXX I am filing this complaint because Citibank failed to conduct a good-faith investigation under Regulation E following a violent physical robbery and identity theft. 1. INCORRECT INVESTIGATION TIMELINE : Citibank issued a formal denial of my claim on XX/XX/XXXX, which is one day BEFORE I submitted the official police report ( Exhibit A ) on XX/XX/XXXX. The bank closed the case without reviewing the primary legal evidence of the assault. 2. EVIDENCE OF ACCOUNT TAKEOVER ( ATO ) : On XX/XX/XXXX, a Citibank Fraud Department agent ( identified as 'XXXX ' ) confirmed that on the day of the robbery ( XX/XX/XXXX ), unauthorized individuals contacted the bank pretending to be me. They attempted to change my mailing address and unblock my debit card. While the bank correctly flagged these phone attempts as fraudulent, they inconsistently cleared the {$2500.00} XXXX transfer made during that same window of time. XXXX. DIGITAL FORENSIC PROOF : My XXXX Account was hijacked ( Exhibit B ) at XXXX XXXX XXXX, exactly XXXX minutes BEFORE the fraudulent XXXX transfer ( XXXX XXXX XXXX ). This proves the criminals had full access to my digital identity via my stolen device. 4. MISLEADING PROCEDURES : The bank verbally promised a 20-day investigation and a 10-day provisional credit. Instead, they issued a final denial on Day 9, violating their own stated procedures and failing to provide the credit required by law. I request a full and permanent reversal of the unauthorized {$2500.00} transfer. The bank 's own internal records of fraudulent phone activity on XX/XX/XXXX prove that my account security was demonstrably compromised.

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 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
owned home XXXX yrs some of which were with wells fargo. original loan was set to expire XXXX but yrs ago due to being a single XXXX bankrupt mom with a bankrupt home i refinanced with them reducing rate and payment but they extended loan life XXXX yrs. to XXXX now trying to pay principal payments that they wont accept or give payoff letter on. they have always wanted my house and their refinance was illegal immoral unethical especially in my situation. have retained my home rights by making payments XXXX yrs. on this bankrupt home. at what point r they help accountable and this is why their employees commit suicide as they c that as better option and I am not going anywhere for the record.

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 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have an unknown charges on my credit card when I called the Credit Card XXXX company. They told me that these charges are verified and it wasnt also, I had to pay them. I made us try to pay the settlement with this company with aI have an unknown charges on my credit card when I called the Credit Card XXXX company. They told me that these charges are verified and it wasnt also, I had to pay them. I made us tried to pay the settlement with this company with a credit card company, but they told me that I have to pay it so I pay that for a few months and then after that I couldnt pay it anymore they sued me and my credit score went down from XXXX to XXXX and I was struggling with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request assistance regarding a third-party debt that is currently being reported on my credit file. I believe this debt is inaccurate, unverifiable, or otherwise should not be reported, and I am seeking its removal. I did not sign any contract with this third party so I believe they should not be able to collect this debt any further. The account in question has been listed by a third-party debt collector. However, I do not recognize the account, or believe it may be reported in error. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am requesting that this matter be investigated. Specifically, I ask that : The debt be properly validated by the reporting agency and/or debt collector Any inaccurate, incomplete, or unverifiable information be promptly removed from my credit report. This company was not able to provide any signed contracts. They provided an application. There is contract with no signature. I have made efforts to resolve this issue directly, but the matter remains unresolved. Therefore, I am requesting your assistance to ensure my consumer rights are upheld. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am writing to formally dispute a collection account reported by CAINE & WEINER under account number XXXX, which falsely claims that I owe a debt of {$97.00}. I discovered this erroneous entry on my credit reports with all XX/XX/XXXX major credit bureausXX/XX/XXXXand XX/XX/XXXX. As a consumer, I have the right to dispute any information I believe to be inaccurate or incomplete under the Fair Credit Reporting Act ( FCRA ). I am certain that this debt does not belong to me, as I have never engaged in any transaction or agreement that would result in this obligation. The presence of this incorrect collection account has significantly impacted my credit scores, reducing them to XXXX with XX/XX/XXXXXXXX withXX/XX/XXXX, and XXXX with TransUnion. This has caused me considerable distress and has affected my ability to secure favorable terms on credit products. I reached out to CAINE & WEINER to contest the debt and requested validation ; however, they have failed to provide any documentation proving that I am legally obligated to pay this debt. Furthermore, they continue to report this debt to the credit bureaus, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) as it involves attempting to collect a debt not owed. I am requesting the complete removal of this account from my credit report with XX/XX/XXXX, and XX/XX/XXXX immediately. The continued reporting of this inaccurate information is unjust and violates my rights under the FCRA and FDCPA. I have suffered enough due to this false reporting, and I urge the CFPB to intervene to ensure this matter is resolved promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding ic system for failure to properly validate an alleged debt and for reporting inaccurate information to the credit bureaus. I previously sent a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA XXXX ), but the company has failed to provide sufficient documentation to verify the debt. Despite this, they continue to report the account on my credit report, which is negatively impacting my credit profile.

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 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Noticed my credit score went down and when I checked there was a car loan on my credit for a car I never purchased, also received a XXXX for the same car loan. The XXXX had my name on it and an old address in which I havent lived in for XXXX years and an account number. I called the company Credit Acceptance Corp about this and how it must be a mistake, they asked for info and all I had was that account number. To verify the account they needed my DOB and SS which I gave them and the count access because both dob and SS were not on file. I called them again to dispute this and they asked for more info to resolve this case such as a copy of my theft report from identitytheft.gov, a copy of my license, SS, and a signature XXXX. After I provided them these they emailed me back saying there was not enough evidence to clear the problem and that I would still owe the amount of the loan ( in which I never opened ). The amount of the loan was for XXXX with XXXX still owed. I do not understand how they can not figure out that I didnt open up this loan. They have all the originals if they gave that loan out and can easily look at the SS and DOB in which it was opened with. It was also opened in a state. I never lived in.

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 2026-03-25 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I received a text questioning if I was making a XXXX XXXX XXXX XXXX XXXX in XXXX, Alabama to a hotel. I said I had not so they stopped the card. They were supposed to expedite the replacement card. I waited about XXXX days, and when I hadnt gotten it, I called again. I was told that the first person hadnt expedited it, and she said she would. On XX/XX/XXXX, I called again and filed a formal complaint. Then asked to speak to supervisor. I recorded this call. The lady looked at the account and said that no one had even ordered it either time. That she would make sure it was over-nighted Monday, the XXXX and I would receive Tuesday. She said she would call if there was any problem. The card did not come nor did I receive this call. This has caused an inordinate amount of trouble for me as I have bills automatically paid from this credit card. We have been banking with this bank for over XXXX years. If they are this incompetent, they have no business managing ANY money. We are obviously going to have to find another bank that isnt totally incompetent. They should be investigated.

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