vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Credit Management Company. I had been warned by my bank that it could be a subscriber service when I called the bank about a charge on my checking account. I had not signed up for. I called them, and they informed me that I had unpaid accounts. 

XX/XX/XXXX PA Date XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX 
XX/XX/XXXX Other Expenses XX/XX/XXXX PA Date XX/XX/XXXXXX/XX/XXXX 
XX/XX/XXXX Other Expenses- {$120.00} {$1800.00} - {$160.00} {$1900.00} I told them I was unaware of these debts. They informed me about the debt and agreed to their term, however, I only agreed to one charge not 2, They also failed to report where this debt originated from. As you will note, it does give the name of the company I owe. They also had the wrong name which I demand thatXX/XX/XXXXbe taken off. My married last name is XXXX. My credit report decreased by XXXX points although, they had assumed me that my credit card off I agreed to their terms. My credit score fell XXXX points. When I called them to inquire about this drop in my credit score. I was them informed that I had another 2 account btw. I told them they had not informed me the day before. I was then told that for {$21.00} dollar membership fee and give them {$190.00}. For this subscription, they would all the handle the company I owed money to,, and that nothing would be reported. I informed them that nothing was ever mentioned about other debts, and due to the fact of the previous money I had paid them the day before. I am a XX/XX/XXXX. I can not afford a monthly subscription. I was not provided by the Management Company the name of these company of the 2 names I was 0provided to me by Credit Management Company nor the dates of these services or products. After my XXXX, and I told Credit Management Company I simply had no idea about the amounts they were quoting me. Absolutely no idea. Earlier this year I did have my identity stolen. I had to get a new bank account.

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: PA

Complaint narrative:
U.S. Bank has unreasonably placed my account under review and intends to close it without any valid reason or prior notice. I am a law-abiding customer with transparent income sources and verifiable records for every single transaction. I have never engaged in any illegal or suspicious activity. 

In late XX/XX/year>, U.S. Bank suddenly froze my account, claiming an internal review. No email, phone call, or in-app notice was ever sent. When I contacted their customer service, they could not explain what was being reviewed or when it would end. They simply repeated that the review is ongoing while preventing me from accessing or transferring my own funds. 

This so-called review has already disrupted my financial life. My credit card payments ( including those to XXXX XXXX ) failed because U.S. Bank refused to release my funds, and I now face the risk of unnecessary negative reporting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I strongly suspect that U.S. Bank is engaging in discriminatory practices against XXXX customers by targeting accounts like mine under false pretenses. There is no factual or legal justification for this treatment. I have sufficient funds, clear transaction records, and complete documentation to prove that every dollar in my account is legitimate. 

Their actions appear intended to damage my credit reputation and make it difficult for me, as an XXXX customer, to survive in the U.S. financial system. This is a violation of both Regulation B ( Equal Credit Opportunity Act ) and CFPB anti-discrimination principles.

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 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/year> I initiated a payment request on the Wells Fargo online portal. 
I entered the customer name and address where a check should be sent. 
Amount {$7800.00} I received an email confirmation that a check will be delivered by XX/XX/year>. 
This transaction was from Business checking account.

My customer claimed they never received the check.

When I contracted Wells Fargo after speaking with multiple reps they confirmed that a check was not sent but a bank trasfered instead was made. 
I asked how they made a bank trasnfer if I did not ask for one or provide any bank account information. They claimed the name and address that I provided matched an account they had on file in the internal system and therefore they initiated a bank transfer.

I asked them to provide me the account number that the transfer was made to and they declined.

After contacting multiple peple and escalating this I was able to receive the routing number and 4 last digit of the account number and routing number. 
My customer confirmed this is not there account number or bank. 
Wells Fargo declined to refund the money claiming the money was received at the customer bank account.

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 2025-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
CERTIFIED MAIL TO : fabco Date : FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Acct # To Whom It XXXX Concern : I am sending this letter to you in response to a notice I received from you on XX/XX/year> Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above named XXXX and XXXX. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX Equifax, Experian or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I opened a credit card account and closed it the same day, because I did not want it. A view days later I got a bill for $ XXXX a yearly membership. Since then I recieved a bill for {$180.00} wil a late fee of {$30.00}. A month after I got a bill for my newest bill is for {$190.00} with a {$41.00} late fee and a {$3.00} interest charge. Now I never recieved a credit in the mail. I have called Comenity on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, each time they told me every thing would be removed and every month I get a new bill and more charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This account appears to be fraudulent and unauthorized. I have no contractual relationship with your company or with XXXX regarding this debt. Therefore, I demand that you provide the following documentation before any further communication or collection activity : A copy of the original signed credit agreement or contract bearing my signature XXXX. Proof of your authorization to collect this debt, including your collection license and assignment contract. 

XXXX. A complete itemized statement showing how the alleged balance was calculated XXXX. A copy of the original signed credit agreement or contract bearing my signature. 
XXXX. The full chain of custody and transfer of ownership showing how and when this debt was sold or transferred. 

XXXXProof of the amount the debt was sold for and the purchase agreement between XXXX and XXXX XXXX XXXX XXXX XXXX 

XXXXCopies of all correspondence between your company, XXXX, and any credit reporting agencies. 

XXXXA copy of any verification provided to credit bureaus under FCRA 611 ( a ) ( 7 ). 
Until you provide complete validation, you must cease all collection activity, including phone calls, letters, or reporting to any credit bureau. 

Any continued attempt to collect without proper validation will constitute willful violations of federal law. 

Suppose you fail to respond within seven days of receipt of this notice. In that case, I will consider the alleged debt invalid, and I will proceed with filing complaints and legal action for violations of the FDCPA and FCRA, seeking all available remedies, including statutory, actual, and punitive damages. 
Sincerely, XXXX XXXX XXXX XXXX Federal Laws They May Be Violating Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate or incomplete information to a credit bureau .

15 U.S.C. 1681s-2 ( b ) : Failing to investigate and correct disputed information.

15 U.S.C. 1681i ( a ) : Failing to reinvestigate disputed information upon notice from the consumer.

15 U.S.C. 1681e ( b ) : Failing to ensure maximum accuracy of information in a consumer report.

15 U.S.C. 1681n : Willful noncompliance ( you can seek punitive damages ).

15 U.S.C. 1681o : Negligent noncompliance ( you can seek actual damages ).

Under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e ( 2 ) ( A ) : Misrepresenting the character, amount, or legal status of a debt.

15 U.S.C. 1692e ( 8 ) : Reporting false credit information, including failing to mark a debt as disputed.

15 U.S.C. 1692f : Using unfair or unconscionable means to collect a debt.

15 U.S.C. 1692g ( b ) : Continuing collection without validating the debt after receiving a written dispute.

15 U.S.C. 1692d : Engaging in harassment or abuse during collection.

Hey 15 USC 1681 ( e ) ( I ) for information and failing to report or failing to reinvestigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did not provide written authorization for this company to obtain my consumer credit report. Please remove this unauthorized inquiry in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b ).

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
On XX/XX/year>, I stayed at a hotel in XXXX, XXXX. 

At check-in, the hotel staff informed me that my credit card was not working, so I paid {$150.00} in cash at the front desk. 

However, {$130.00} was also charged to my Citi credit card ( ending XXXX ) on the same date. This constitutes a double charge and is unauthorized. 

I filed a dispute with Citi, and the merchant was contacted. On XX/XX/year>, the dispute was closed as XXXX XXXX. 

I was informed in person by a Citi branch employee that the dispute had been resolved in my favor, yet no refund has been issued. I have not contacted the hotel directly, as I am currently in the U.S. 

Request : XXXX reversal of the {$130.00} charge. 

Related issues : XXXX XXXX agent charge ( {$360.00} ) CFPB ID : XXXX XXXX DOT OACP Case : #

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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My identity was stolen in XXXX along with my drivers license Social Security card and birth certificate. I really certainly received my consumers report XX/XX/XXXX and this company had popped up On there, I have no knowledge or want anything to do with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX. Im filing this complaint because Pro Collect is reporting a collection account on my credit report that I dont agree with and was never notified about. I have never received any letters, bills, or proof from this company showing that I owe them anything or that they even had a right to access my personal information.

I did not sign or give permission for my information to be shared with this company. I have no record of ever doing business with Pro Collect or agreeing for any original company to sell or transfer my data to them. Thats a serious issue to me, especially because this account is hurting my credit and causing me problems when applying for places to live.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, Pro Collect has a duty to make sure everything they report is accurate and verified. Under 15 U.S.C. 1681i, they must reinvestigate any disputed information and delete it if it can not be proven. And under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, they are required to send proper validation and proof of the debt when asked which has not been done.

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 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Mr. Cooper mortgage failed to pay our home owners insurance premium on time from our escrow account and our home owners insurance was subsequently cancelled. Our insurance is escrowed and has been since the initiation of our mortgage. Despite the fact that we had grace period and our insurance was valid until XXXX, Mr. Cooper has not accepted this documentation from our insurance agent and then purchased insurance coverage on our behalf. We were covered with our initial policy until XXXX and Mr. Cooper claims we lapsed from XX/XX/year> through XX/XX/year>. Mr. Cooper failed to pay our insurance premium in a timely fashion on or by XX/XX/year> and never notified us that they were not going to pay our insurance premium within a timeframe that would have allowed us to either pay on our own or purchase alternative home owners insurance. Again, our insurance is escrowed into our mortgage and Mr. Cooper has full access to our insurance information. We received no communication from Mr. Cooper and we were only notified nearly 2 weeks after our insurance premium was due that it hadnt been paid on time by Mr. Cooper from the insurance company itself via postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
My identity was stolen in XXXX along with my drivers license Social Security card and birth certificate. I really certainly received my consumers report XX/XX/XXXX and this company had popped up On there, I have no knowledge or want anything to do with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I made multiple XXXX transfers through my Bank of America account to an individual named XXXX XXXX XXXX. These payments were made under false promises of repayment and emotional manipulation. The recipient repeatedly assured me he would return the funds and even included repayment notes such as I owe you {$400.00} and remainder of {$350.00}. 
After receiving the money, he cut off communication and refused to return any funds. This was induced transfer fraudthe payments were not gifts but were made under deception. I have screenshots of the XXXX history and messages showing his acknowledgment of debt. 
Im requesting that Bank of America investigate these transactions under Regulation E as unauthorized induced transfers and assist with recovery or reimbursement of the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am trying to responsibly manage my vehicle lease with U.S. Bank. I requested to transfer or assign my lease to a qualified party, and the request was denied without a written explanation, alternative solutions, or any clear path to exit the lease without negative financial impact.

I have contacted U.S. Bank multiple times by phone and email and have not been provided any reasonable resolution or documentation. I am current on all payments and I am not requesting payment relief, forgiveness, or deferral.

I am simply requesting a reasonable option to responsibly exit the lease and avoid unnecessary negative equity or credit harm.

I am requesting that U.S. Bank either : 1. Re-evaluate the lease transfer/assumption request, or 2. Provide a written list of alternative exit solutions that allow me to remain in good standing.

The lack of response and refusal to provide clear information is preventing me from managing the account responsibly. I am requesting compliance review and a written response.

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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has had some rude unprofessional employees call me and write me rude letters to try to intimidate me and I will keep reaching out and reporting them until I am heard, until the problem is resolved. They are being sued already for fraudulent activity and for making up things on peoples accounts. I filed a claim and didnt receive the service for my ticket right after that they shut my debit card down. Instead of helping me they have been talking to me in a hateful way. The issues was not resolved XXXX keep filing as many complaints as I need to until this is resolved

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