vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
I am a victim of significant identity theft and multiple forms of fraud. My sensitive data was exposed in multiple data leaks from medical providers e.g. XXXX XXXX, which is currently amidst a class action lawsuit due to the leaks, and remains available for purchase on the Dark Web. These leaks exposed sensitive data, like my social security number, as well as banking and payment information. XXXX XXXX XXXX XXXXXXXX account was severely affected and this is the law firm representing them. Both the Bank ( see complaint XXXX ) and XXXXXXXX XXXX XXXX have refused to accept my disputes of fraudulent, unauthorized charges on my credit card from the period of late XXXX. Ultimately, fraudsters were able to accumulate {$3200.00} worth of fraudulent and unauthorized charges. I made many attempts since then by phone and in writing to dispute the charges. In XX/XX/year>, I informed BOA I never received the card and requested a new one and was told to wait. In XX/XX/year>, when I called again the rep did not believe that I had not received it because charges were still being made on it. So the card that XXXX knew was compromised and stolen was allowed to stay open for over a year. All the while, accumulating more fraudulent charges. From XX/XX/year> onward whenever I attempted to dispute these charges and beg reps to shut the card down, I was met with hostility and disbelief. XXXX rep I recall was named XXXX refused to help and call threatened me into leaving my autopay enabled despite it being only fraudulent charges on the card. I was told they would take 'legal action ' and that if I failed to make payment it could ruin my credit, my ability to rent and much more. I filed a police report, a FTC Identity Theft Report, an IRS XXXX, and followed all of the FTC 's steps for victims of identity theft. I froze all my credit report. Proof of all of this was sent to XXXX multiple times and yet they refuse to help me and insist I owe the amount even though I did not authorize it. They also failed to investigate the fraud correctly multiple times, as noted in the recorded with the fraud rep XXXX from AK. XXXX initially did my disputes years ago filed them as if I was disputing the existence of the account rather than all of the charges from XXXX that amount up to {$3200.00}. I have done literally everything recommended by our government for victims of identity theft to prove this was not me. There is no reason why the same proof that I also submitted to credit bureaus, the police, the FTC, the IRS and XXXX ( the fraud was so widespread took out insurance in my name ) is not good enough for private corporate. Corporations do not make the law they should follow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I had to replace my cell phone and have been unable to access my banking for the last couple of weeks. Every time I call PNC, they say they will escalate and mail me a new password. This has never happened. I received three letters confirming my new phone number ( which I updated with them three years ago ). They keep escalating the issue, filing complaints, and then no resolution occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
Background In XX/XX/year>, I signed and returned finalized loan modification agreements for both loans listed above. Per : - The signed modification agreements- SouthState Banks website - Direct confirmation from their representatives I was explicitly instructed that : - I did NOT need to make a payment in XX/XX/year>- I should begin payments under the new agreement starting XX/XX/year> - I should NOT continue trial payments Additionally, on XX/XX/year>, at approximately XXXX XXXX, I spoke with a representative from the Loss Mitigation team named XXXX, and I specifically asked whether any payment was required for XXXX. I was clearly and explicitly told that no payment was required. I relied on this guidance in good faith. Issue Despite following all provided instructions, SouthState Bank reported these loans as late/delinquent, which caused a significant and unjustified drop in my credit score. This reporting is factually incorrect, as : - Payments were not due during this period per the modification terms- I followed all instructions provided by the lender- I confirmed this directly with the Loss Mitigation team prior to the due date - Any delinquency reported is the direct result of servicer error Prior Admission of Error In response to my earlier complaint filed with the Consumer Financial Protection Bureau ( CFPB ), SouthState Bank acknowledged that errors occurred in their credit reporting and stated that corrections were made. However, despite this acknowledgment, new inaccurate reporting has occurred again, specifically related to the transition period after the loan modifications were executed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Disputed Account Information Account Name : CCS Account Number : Unknown Reported Amount : {$330.00} This account is being reported inaccurately and without proper verification. Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) and ( iii ), when information is found to be inaccurate, incomplete, or can not be verified after a reinvestigation, a consumer reporting agency must promptly delete or modify that information and may not reinsert it unless the furnisher certifies its accuracy and provides proper notice. Statutory Basis for Removal Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), information that can not be verified is required to be deleted from the consumers credit file. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( iii ), any reinsertion of previously deleted information is prohibited unless strict statutory requirements are met. At this time, this account : Has not been properly verified Lacks sufficient competent documentation Continues to be reported in violation of the FCRA Accordingly, you are required by statute to remove this account from my credit report immediately. If you contend that this account is accurate and reportable, you must provide competent documentary evidence, including : 1. The original signed agreement bearing my signature 2. Proof of CCS legal standing and right to report 3. A complete method of verification as required by federal law Absent such documentation, continued reporting constitutes non compliance with the FCRA. Please provide written confirmation that the CCS account listed above has been deleted from my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting a follow-up complaint regarding Equifaxs handling XXXX a dispute I filed concerning an account reported by XXXX XXXX XXXX XXXX I do not recognize this account and no original creditor has been identified This account appeared on my Equifax credit report on or about XX/XX/year>. I disputed the account because I do not recognize it and was not provided with any information identifying the original creditor. Equifax responded by labeling my dispute as frivolous and declined to conduct a proper investigation. This designation is inaccurate and inappropriate. My dispute clearly raised legitimate concerns, including that I do not recognize the account and that no original creditor has been identified. Equifax has not provided : * The identity of the original creditor * Any documentation supporting the validity of this account * The method of verification used Labeling a valid dispute as frivolous in order to avoid conducting a reasonable investigation is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that Equifax : 1. Remove the frivolous designation 2. Conduct a proper and reasonable investigation into this account 3. Provide full method of verification ( MOV ) 4. Identify the original creditor and provide supporting documentation If Equifax can not verify this account with complete and accurate documentation, I am requesting immediate deletion from my credit file. Continued failure to investigate this matter will result in further escalation through additional regulatory channels and arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I deposited a {$6500.00} cashiers check into my Bank of America account on XX/XX/year>. XX/XX/year>, I was told the funds would be available the next business day. The following day, I saw that the bank placed a full hold on the check for XXXX business days, with no funds being made available. This directly contradicts the information I was given at the time of deposit. I have been a Bank of America customer for approximately 23 years. I contacted customer service twice to request review and release of the hold, but no resolution was provided. I also was not given resources to file a complaint directly with Bank of America. While I understand that holds may be placed under certain circumstances, I am concerned that : I was given incorrect information at the time of deposit. The hold was changed after the fact without clear explanation and the notice not available in the online portal. No portion of the funds in the cashier 's check were made available and the bank the funds were from is a local bank. My attempts to resolve this through customer service were unsuccessful. This has caused financial inconvenience and concern. I am requesting : A clear explanation for the hold. Immediate release of any funds that should be available under applicable funds availability rules. Review of this situation, including the accuracy of information provided to customers at the time of deposit.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
Disputed Account Information Account Name : Valor Intellingent processing Account Number : Unknown Reported Amount : {$350.00} This account is being reported inaccurately and without proper verification. Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) and ( iii ), when information is found to be inaccurate, incomplete, or can not be verified after a reinvestigation, a consumer reporting agency must promptly delete or modify that information and may not reinsert it unless the furnisher certifies its accuracy and provides proper notice. Statutory Basis for Removal Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), information that can not be verified is required to be deleted from the consumers credit file. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( iii ), any reinsertion of previously deleted information is prohibited unless strict statutory requirements are met. At this time, this account : Has not been properly verified Lacks sufficient competent documentation Continues to be reported in violation of the FCRA Accordingly, you are required by statute to remove this account from my credit report immediately. If you contend that this account is accurate and reportable, you must provide competent documentary evidence, including : XXXX. The original signed agreement bearing my signature XXXX. Proof of Valor Intelligent Processing legal standing and right to report XXXX. A complete method of verification as required by federal law Absent such documentation, continued reporting constitutes non compliance with the FCRA. Please provide written confirmation that the Valor Intelligent Processing account listed above has been deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Disputed Account Information Account Name : Credence resource Management Account Number : Unknown Reported Amount : {$170.00} This account is being reported inaccurately and without proper verification. Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) and ( iii ), when information is found to be inaccurate, incomplete, or can not be verified after a reinvestigation, a consumer reporting agency must promptly delete or modify that information and may not reinsert it unless the furnisher certifies its accuracy and provides proper notice. Statutory Basis for Removal Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), information that can not be verified is required to be deleted from the consumers credit file. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( iii ), any reinsertion of previously deleted information is prohibited unless strict statutory requirements are met. At this time, this account : Has not been properly verified Lacks sufficient competent documentation Continues to be reported in violation of the FCRA Accordingly, you are required by statute to remove this account from my credit report immediately. If you contend that this account is accurate and reportable, you must provide competent documentary evidence, including : 1. The original signed agreement bearing my signature 2. Proof of Credence resource Management legal standing and right to report 3. A complete method of verification as required by federal law Absent such documentation, continued reporting constitutes non compliance with the FCRA. Please provide written confirmation that the Credence resource management account listed above has been deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Formal Complaint Regarding Unauthorized/Improper Transaction Handling and Account Practices To Whom It May Concern, I am submitting this formal complaint against my financial institution regarding improper handling of transactions on my account, which has caused financial harm, confusion, and a lack of transparency. On or around XX/XX/year>, multiple transactions posted to my account in a manner that appears inconsistent, misleading, and potentially unauthorized or improperly processed. Specifically, I observed several processing transactions from merchants including XXXX XXXX, XXXX, and XXXX, with amounts that do not clearly match the posted or final charges. Additionally, there are discrepancies between the transaction amounts displayed and the amounts ultimately deducted from my account. These issues raise serious concerns, including but not limited to : Lack of clear and accurate transaction reporting Potential duplicate or inconsistent charges Misleading processing amounts versus final posted amounts Failure to provide transparency in how funds are being held or released As a consumer, I have the right to accurate, timely, and transparent access to my financial information. The current situation has made it difficult to properly track my spending and has resulted in unnecessary stress and potential financial mismanagement due to unclear reporting. I am demanding the following actions : A full investigation into all transactions posted on XX/XX/year> A detailed explanation of why processing amounts differ from final charges Immediate correction of any errors or improper charges Assurance that my account will reflect accurate, real-time transaction data moving forward Written confirmation of findings and resolution Failure to address these concerns promptly will leave me no choice but to pursue further regulatory and legal action. I expect a timely response and resolution in accordance with consumer protection laws and regulations.

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 2026-04-22 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On or about XX/XX/year>, I enrolled in a 6-month mixed martial arts ( MMA ) training program and was charged approximately {$1200.00}. I attended only the initial sessions ( approximately 12 classes ). During the second session, I experienced a significant quadriceps injury that resulted in severe pain, impaired mobility, and inability to safely continue participation. Following this, I sought medical evaluation and was advised to discontinue all MMA-related activity. I was provided medical documentation confirming that continued participation was contraindicated and that a course of physical therapy was required. I promptly notified the business of my condition, provided medical documentation, and requested a refund for the unused portion of the program. The business refused to issue any refund and relied solely on a signed contract stating no refunds. I am not disputing the sessions I attended. I am disputing the remaining unused portion of the services, which I was medically unable to use. Despite good-faith efforts to resolve this directly with the business, they declined to make any accommodation. I then filed a dispute through my credit card issuer. The dispute was denied, with the decision primarily based on the existence of a signed contract, without adequately considering the medical inability to use the services or the fact that the majority of the services were never received. This complaint is being submitted because I was charged for services that I could not use due to a documented medical condition, and both the merchant and the card issuer have refused to provide a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, I logged into the USAA mobile app. I noticed that all of my accounts, including a joint account, had been put on Restricted status. I assumed this was due to traveling out of state and using a joint account for payments. I called USAA to further discuss only to be given no reason aside from them choosing not to do business with me anymore. After escalating the call to another department, I was told that it was due to assumed fraudulent charges and dispute abuse. I had disputed a few things from both accounts, in which USAA temporarily credited my account only to reverse the credit. I was given no notice of the account closures until the end of the day. I was told it would be 60 days until I received any funds from my accounts. I asked to appeal the decision to close the accounts, and I was told to call back in 3 business days. I have over {$8000.00} in one account that I can not access. This money is crucial to my family as it covers medical bills and childcare. We have been banking with USAA for over 16 years.

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 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I am disputing an inaccurate collection account arising from alleged unreturned XXXX equipment. I returned the modem/equipment and have documentary proof of return and delivery. Despite this, XXXX continued to treat the equipment as unreturned, allowed the account to be placed in collections, and verified the debt as valid to XXXX after I disputed it. I previously contacted XXXX directly and provided proof that the equipment was returned. XXXX ignored or failed to properly investigate the evidence and did not correct the reporting. As a result, false negative information remains on my credit report and has caused significant credit harm, including a major drop in my credit score. I request the following relief : 1. Immediate investigation by XXXX compliance department XXXX. Deletion of the inaccurate collection account from TransUnion and any other credit bureaus to which it was reported XXXX. Written confirmation that the account balance is {$0.00} and no debt is owed XXXX. Confirmation that any collection agency has been notified to cease reporting and collection activity I am attaching proof of the returned equipment and prior efforts to resolve this directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation