vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this formal complaint and dispute regarding multiple entries on my account that are inaccurate, unverifiable, or unauthorized, including but not limited to : Late payment reports Unauthorized collections Unauthorized inquiries Other derogatory account information Relevant Federal Laws : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ) requires reporting entities to investigate disputed information and correct or delete unverifiable entries. XXXX. Consumer Financial Protection Bureau ( CFPB ) Guidelines all reporting must comply with accuracy and completeness standards. XXXX Credit Repair Organizations Act ( CROA ), 15 U.S.C . 1679 et seq. applicable if any third-party services were involved.

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 2026-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered several credit card accounts that I did not open or authorize. These accounts include XXXX XXXX, XXXX XXXX Credit Card, XXXX XXXX XXXX and XXXX accounts that are reporting missed payments and balances. I immediately filed an identity theft report with XXXX and began disputing the accounts with the credit bureaus. These accounts are fraudulent and were opened using my personal information without my permission. I am requesting that these accounts be investigated and removed from my credit report as identity theft. I also request that the credit reporting agencies block these accounts under the Fair Credit Reporting Act.

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 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I have been paying on student loans since XXXX. I am eligible for pslf. My loans with XXXX XXXX and XXXX were consolidated into a direct loan in XXXX. The payments made from XXXX are not reflected in national student loan database. Or on my student XXXX XXXX account. The payments from XXXX should be counted towards my pslf after the waiver was applied in XXXX. Those payments are lost. I submitted a complaint with student XXXX XXXX in XX/XX/XXXX. I uploaded all of the bank statements from XXXX showing those loan payments with XXXX XXXX and XXXX. I have spoken to customer service with XXXX and they said that I needed to talk to student XXXX XXXX because the payments were not transferred when my loans were consolidated again for the waiver. There has been no activity on my complaint in a year. I should be issued a refund for over XXXX payments made past my XXXX required payments for pslf. I wil make my last payment in XX/XX/XXXX. I am concerned that this will be dropped, and I will not receive a refund. I am not sure where to go from here. My XXXX payments were also on my credit report but that has is no longer showing up due to it being past XXXX years.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: CO

Complaint narrative:
In XX/XX/year> we switched home owners insurance companies and our escrow failed to make the payment. We received notice from our insurance company in XXXX that it had not been paid. ( I have added attachments to show dates in our emails ) We also then got notice from our mortgage in XXXX that we did not have coverage. We submitted proof of insurance and they accepted ( also have added an attachment for this ) We continued to get notifications that we were past due on insurance and I reached out to our insurance and told them our mortgage company should be paying out of escrow. Early XXXX ( around the XXXX or XXXX ) we got a letter from our insurance saying they would be cancelling our policy due to non payment. ( Attached ) We immediately called cross country mortgage and got a receptionist who said she could take a message for escrow. We let them know how urgent it was as our insurance was going to be cancelled on XX/XX/XXXX. we called every day for the next week and continually were told we could not be given a direct number for escrow and that all they could do was take a message. As of today XX/XX/XXXX we have no been contacted by our escrow even though we probably left 8-9 messages stating it is urgent. On XX/XX/XXXX we opted to pay our insurance ( attached ) to make sure we had coverage and not to scammed into paying cross country mortgage to insure the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint and dispute regarding multiple entries on my account that are inaccurate, unverifiable, or unauthorized, including but not limited to : Late payment reports Unauthorized collections Unauthorized inquiries Other derogatory account information Relevant Federal Laws : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 ( b ) requires reporting entities to investigate disputed information and correct or delete unverifiable entries. XXXX. Consumer Financial Protection Bureau ( CFPB ) Guidelines all reporting must comply with accuracy and completeness standards. XXXX Credit Repair Organizations Act ( CROA ), 15 U.S.C . 1679 et seq. applicable if any third-party services were involved.

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 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: IL

Complaint narrative:
I, XXXX XXXX, consumer and natural person, am notifying LJ Ross Associates, that I refuse to pay the alleged debt. Pursuant to 15 USC 1692c ( c ), I want this debt collector to cease further communication with myself in regards to the above stated alleged debt. My Demands -This letter serves as written notice that I am notifying you all that I refuse to pay the alleged debt that you all say I owe and that I wish for you to cease further communication with me the consumer and all consumer reporting agencies. -This letter further demands that LJ Ross Associates stop all illegal negative reporting of this alleged debt for reference number ending in XXXX to all consumer reporting agencies. -This letter also further demands an AUDIT TRAIL for reference under XXXX XXXX . Audit Trail may or may not included ( Audit trail credit application, entire file on me, XXXX XXXX, all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records ). Please send everything you have over to me in regards to this alleged debt. Ignoring a cease and desist letter is a violation and can be taken as evidence that the above infringement was willful. If I do not receive a response from your company you are violating my rights as a consumer to cease and desist. To ensure compliance with this letter, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist within 15 days of receiving this notice. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. Failure to do so will act as further evidence of your infringement of XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights. Also I do not live at the address where notice was sent. XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Accelerated Portfolio, Inc.
State: GA

Complaint narrative:
I am being harassed by Accelerated Portfolio , Inc . They send 45 emails daily at all hours, including nighttime. I request they stop contacting me immediately under the FDCPA.

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 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
A check from social security in the amount of {$63000.00} was stolen from the mail and the thief opened an account with Truist Bank in my name on XX/XX/year>, deposited it and then they drained the account within days. In addition to Truist not following Know Your Customer regulations, this should have raised multiple red flags, but Truist never reached out to us. We only found out about it at the end of XXXX when we got an account statement in the mail showing the activity. We tried to find out what personal information was used to open the account, but they kept re-routing us to their fraud department who took XXXX weeks for them to get back to us ( after multiple attempts of us reaching out ) and all they said is that it would take a month to get a resolution. After that, we just got a letter from them telling us we had been a victim of identity theft and telling us to freeze our credit accounts. We had already done that once we got the first account statement.

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 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
b'On XXXX XXXX XXXX I sent XXXX via Western Union, XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX in the XXXX XXXX, along with several people named XXXX XXXX. They impersonated a XXXX XXXX Bank representative, had all my personal information, and threatened to kill me and my family, coercing me over the phone to ensure the transaction went through. Once I realized it was a scam, I immediately contacted my bank and contacted the police. I then called Western Union and was informed that the funds had already been picked up and that the only way to proceed was to obtain a police report to open a formal case for a possible refund. I have now filed a police report and have extensive supporting evidence including the Western Union receipt, XXXX, call logs, text messages, and screenshots of the communications and threats. I am requesting that Western Union open a full fraud investigation, escalate this case to the XXXX department, and provide guidance on any possible recovery of my funds, as this involved threats, coercion, and impersonation of a financial institution.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: LA

Complaint narrative:
Im trying to get a refund for my transactions money I had sent to someone but they wont give it back and Im trying to see what to do cause it was a mistake and the person scamming and I never received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am requesting a goodwill review regarding a settled Barclays credit card account that continues to report negative information on my credit report. The card was used to help our children get through school. The account was resolved and settled, and since that time I have worked diligently to rebuild my credit and maintain positive payment history across my other accounts. The continued reporting of this negative item is significantly impacting my credit profile despite the account being resolved. I am respectfully requesting that Barclays review this account for a goodwill adjustment and consider removing the negative tradeline from my credit report. I appreciate your time and consideration in reviewing this request.

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 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint concerning inaccurate and unverifiable information appearing on my credit reports from Experian , XXXX, and/or XXXX. A collection account associated with XXXX XXXX is being reported that I did not open, authorize, use, or incur any obligation for. Creditor/Furnisher : XXXX XXXX Account Number : XXXX XXXXXXXX Amount : {$1200.00} Date Opened/ Date of First Delinquency : XX/XX/year> I have never had a XXXX XXXX account XXXX never purchased services or devices from XXXX, and do not recognize any associated details ( such as phone numbers, addresses, equipment, or charges ) linked to this account. This entry appears to be the result of an error, mistaken identity, or possible identity theft/fraud, and it is not my debt or responsibility. I have previously disputed this item with the credit reporting company on or about, but the information was not removed or properly verified. The continued reporting of this inaccurate information violates my rights under federal law. Pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681i ( a ) requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information and to delete or correct items found to be inaccurate or unverifiable. 15 U.S.C. 1681s-2 ( b ) requires furnishers of information ( including XXXX XXXX and any collection agency ) to investigate disputes received from a credit reporting agency and to refrain from reporting information they know or have reasonable cause to believe is inaccurate. This inaccurate collection has negatively impacted my credit profile, including lowering my credit scores and affecting credit decisions.

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 2026-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
A vehicle I was lawfully in possession of was repossessed by a contractor acting on behalf of Bridgecrest Credit Company even though Bridgecrest did not have a valid lien or legal right to repossess the vehicle. The vehicle had previously been purchased at a government seizure auction by a family member and transferred with a valid title. Despite this, a repossession company acting on instructions connected to Bridgecrest removed the vehicle from a gated residential parking garage without notice in the morning hours on or about XXXX/26. The vehicle was held for more than five days before it was ultimately released. During that time I was deprived of the use of the vehicle and had to limit normal travel and activities, which included instances where I could have been attending to income-producing tasks. I also incurred transportation expenses during this period. After the lender authorized release of the vehicle, additional delays occurred due to the repossession companys driver availability and a mechanical failure involving their tow truck. This resulted in several additional hours without access to the vehicle. Upon return, the vehicle was not delivered to the location from which it was removed, causing further inconvenience and disruption. I also observed damage to the vehicles bumper consistent with towing or handling during the repossession process. I attempted to contact Bridgecrest to obtain clarification regarding why the repossession occurred and requested documentation regarding the lien status and repossession authorization. The only response I received was a generic message instructing me to contact customer service by phone and stating that account matters could not be discussed by email. No explanation or documentation was provided. The repossession company acknowledged during a conversation at the time the vehicle was returned that the vehicle should not have been repossessed. This repossession appears to have occurred due to inaccurate or outdated lien information being used to authorize the repossession. I am requesting that Bridgecrest investigate how this repossession occurred and provide a fair resolution for the loss of use, expenses, inconvenience, and damage caused by this incident. Vehicle info : Plate XXXX Last XXXX of vin : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I XXXX payment was in Friday evening for {$1500.00} to someone who was impersonating to be a family member in trouble.

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 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am submitting this complaint regarding a debt being collected by XXXX XXXX XXXX that resulted from fraudulent transactions. These transactions were unauthorized and were reported to my bank as fraud as soon as they were discovered. I also filed a fraud report with the Federal Trade Commission. Despite reporting the transactions as fraud, the account was still sent to collections and the collector has attempted to collect payment for a debt that I do not owe. I informed the collector that the transactions were fraudulent and requested verification of the debt and documentation proving that I authorized the charges. No adequate proof has been provided. This situation has negatively affected both my and my wifes financial standing and ability to open accounts. I am requesting that the collection activity stop immediately and that the fraudulent debt be removed from any records associated with my name.

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 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Complaint Regarding Improper Late Fee PNC Credit Card To Whom It May Concern, On XX/XX/XXXX, while reviewing my credit card statement, I noticed a {$27.00} late fee on my PNC credit card account. I immediately checked my PNC checking account, which is linked for automatic payments to this credit card, and confirmed that the payment had already been deducted on XX/XX/XXXX the same date the payment was due. Concerned about the charge, I contacted PNC Customer Service. Unfortunately, the representative I spoke with was unable to provide a clear explanation, which made the situation even more concerning. I then asked to speak with a supervisor, but the explanation I received still did not make sense. I therefore requested that the late fee be removed, since the payment had been made on time through the automatic payment system that has been set up since I opened this credit card account. The representative informed me that the issue would take approximately XXXX hours to resolve. However, the next morning I noticed that PNC had changed the description in the system. The late fee was no longer listed as a XXXX late fee, but instead was reclassified as a late fee for XXXX, and the bank indicated they were refunding a fee from a previous month. This change raises serious concerns about the accuracy and transparency of the banks billing practices. Given that my credit card has always had automatic payments set up from my PNC checking account, and that I have relied on this system since opening the account, I find this situation very troubling. Customers trust their banks systems to operate correctly, and unexpected charges like this create unnecessary stress and confusion. My complaint reference number with PNC Bank is : XXXX Customer service representative : XXXX I respectfully request a full review of this matter and confirmation that my account has not been improperly charged or negatively impacted. Situations like this deserve careful oversight to ensure that customers are treated fairly and that billing practices remain transparent.

Company response to consumer: Closed with monetary relief