vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TESORO FINANCIAL, LLC
State: TX

Complaint narrative:
I have never lived here, and they have no proof or the right information to send me that i lived here this should be removed from my credit report because its considered fraud. ive disputed this information, for validation and nothing has been sent to me.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am filing this complaint to formally dispute and demand the immediate deletion of a fraudulent account that has been wrongfully reported on my credit file. The account identified below is not mine and was reported without permissible purpose, constituting a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I have already submitted an Identity Theft Report to the Federal Trade Commission ( FTC ) regarding this matter. Under 15 U.S.C. 1681c-2, once a consumer provides an FTC Identity Theft Report, credit reporting agencies are legally required to block and permanently remove the disputed account ( s ) from the consumers credit report. Fraudulent Account Details : Aargon Agency INC By continuing to report this account after receiving my FTC Identity Theft Report, the credit bureau is in violation of the FCRA and is causing ongoing and irreparable harm to my credit reputation and financial standing.

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 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed a collection account appearing on my Experian credit report. Experian responded that the account was verified and continued reporting it. I requested information supporting the verification and whether a reasonable reinvestigation occurred. I request : * The method of verification used; * The date the furnisher responded ; * The records reviewed ; * Whether the investigation was automated or manual; * Copies or description of documents supporting ownership, balance, dates, and account status. If verification was completed without a reasonable reinvestigation or without reviewing information submitted in my dispute, this may implicate : Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) reasonable reinvestigation of disputed information Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) reasonable procedures to assure maximum possible accuracy Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) furnisher investigation duties after receiving notice of dispute Delete the collection account XXXX. According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I initiated a fully authorized ACH transfer from my account at XXXX XXXX XXXX to my Axos Bank Account. This transaction was successfully cleared, and the funds became part of my available balance in Axos. On XX/XX/XXXX, I initiated an outbound domestic wire transfer From Axos Bank XXXX XXXX XXXX. Axos internally blocked this wire transfer because it " fell outside of their risk tolerance, '' and they placed an immediate restrictive hold on my entire Axos account. The funds for the failed wire transfer HAVE NEVER LEFT MY AXOS ACCOUNT. The money is currently sitting inside my frozen Axos account under an internal hold. Despite multiple attempts to to resolve this, Axos Bank support has engaged in deceptive and non-compliant practices : They repeatedly sent automated bot messages demanding that I contact the recipient bank ( XXXX XXXX ) to obtain a recall and " proof of no funds ''. This is legally and mathematically impossible because XXXX XXXX never, a received the funds in the first place due to Axos ' internal block. Most alarmingly, on XX/XX/XXXX, Axos Support explicitly instructed me to contact XXXX XXXX XXXX to initiate a recall on the XX/XX/XXXX ACH transfer, a transaction that was fully authorized and cleared nearly a month ago. Asking a customer to force another financial institution to reverse a legitimate, cleared transaction from weeks ago violates XXXX operating rules and constitutes fraudulent reporting. Axos Bank is weaponizing their internal risk mitigation tools to force me into non-compliant actions just so they can clear their own ledger and refuse operational duty. They are unlawfully holding my legitimate funds hostage based on an internal systems glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
My family and I are trying to sell my home Unable to sell home because pople on the debt collection within XXXX along with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX forged XXXX XXXX XXXX XXXX name and vindictively placed a lien on my property and did not inform the bank or the XXXX XXXXXXXX XXXX name is on the paper work he was not hired by XXXX and therefore he forced their name which is fraud XXXX keeps telling me that they did not place the lien but their name is on the lien filed in XXXX. XXXX Illinois If you did not place the lien why have t you done an investigation on the information I provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: Coinbase, Inc.
State: IL

Complaint narrative:
Account Issue : Billing discrepancy and lack of dispute resolution.Disputed Amount : {$2.00}. Time line of events : XX/XX/year> : Emailed a detailed dispute with transaction screenshots to the company 's support XXXX XXXX, 2026 : Internal deadline for response passed with XXXX communication from the XXXX XXXX, 2026 : Contacted live chat support. The agent failed to address the core issue or provide an escalation path, ignoring my communication constraints.Financial Discrepancy Breakdown : Official App Balance : $ XXXX Ledger Sum : {$4600.00} ( Calculated sum of all visible settled transactions and refunds ) .Unaccounted Overcharge : {$2.00}. XXXXXXXX XXXX XXXX XXXXXXXX : This account has a documented history of hidden merchant fees. A prior dispute ( Ticket # XXXX ) was successfully decided in my favor regarding a hidden {$1.00} fee from XXXX XXXXXXXX. The current {$2.00} variance represents an identical issue where the app balance does not match the actual transaction history.Desired Resolution : I am paying the undisputed balance of {$4600.00}. I require the company to correct the ledger error, remove the phantom {$2.00} charge, and ensure no late fees or negative credit reporting occur as a result of this pending dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
On XX/XX/year>, I contacted the company by phone and provided my name and mailing address. During that call, I requested documentation showing that I authorized or am legally responsible for this debt. Specifically, I requested a ledger, account records, or other documentation linking me to the account. Despite my request, the company did not provide any ledger or documentation within 60 days. To date, they have failed to provide evidence that I authorized the debt or that the debt belongs to me. The company continues to refuse to remove the account despite not providing the documentation I requested to verify its accuracy and ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent 2 letters trying to validate the debt and havent gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had an investigation launched with Bank of America XXXX XXXX. A purchase was made without my consent and I immediately asked for a refund XXXX stalled a refund until XX/XX/XXXX and then accredited my account. Which then Bank of America then credit my account the same amount XX/XX/XXXX, which I didnt asked for they then waited until today XX/XX/XXXX to charge my card for a credit I wasnt aware of. And to be honest I have been monitoring my account and seeing mysterious transactions appear and disappear from my account for years now. I keep getting charged hidden fees from no where and my credit ran for no reason all to be denied for a credit card or home loans. I am severely disappointed frustrated and dissatisfied with this company service and lack of accountability.

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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a long-term Chase customer who has used XXXX through Chase for many years without any issues. Recently, I received an email stating that my phone number had been removed from my Chase XXXX account. When I logged into Chase, I was shown a message indicating I am no longer eligible to use XXXX. I contacted Chase customer service, who told me that XXXX placed the restriction and directed me to contact XXXX. I then contacted XXXX, who told me they are only a money transfer service and that the block was placed by Chase, directing me back to Chase. On a follow-up call with Chase, I was told that my phone number and email address would be permanently banned from XXXX through Chase with no path to reinstatement and no explanation provided. At no point was I given a reason for this action. I was not notified of any dispute, fraud claim, or policy violation. I have received no written explanation. I am being passed between Chase and XXXX with neither party taking responsibility or providing any information. I am requesting : ( 1 ) a written explanation of why my XXXX access was terminated, ( 2 ) identification of which party Chase or XXXX made this decision and on what basis, and ( 3 ) a review of whether this permanent ban was applied correctly and in compliance with applicable consumer protection standards. This lack of transparency and accountability has caused significant disruption to how I manage everyday financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am filing this complaint against Jefferson Capital LLC regarding a collection account they are reporting on my consumer credit reports with an alleged balance of {$3500.00}. I dispute the validity, accuracy, and ownership of this alleged debt. Jefferson Capital LLC is reporting this account as a collection account ; however, I have not been provided with sufficient evidence demonstrating that I am legally obligated to pay this debt. I am requesting complete validation and verification of this account, including : The name and address of the original creditor. The original account number. The date the alleged debt was incurred. A complete accounting of the amount claimed to be owed. Documentation showing that Jefferson Capital LLC has legal authority to collect this debt. Copies of any agreements, contracts, applications, or records bearing my signature that establish my responsibility for this debt. Until such documentation is provided, I dispute the accuracy of the information being reported to the consumer reporting agencies. If Jefferson Capital LLC can not provide competent evidence validating the debt and proving that the information being reported is accurate and complete, I request that the collection account be deleted from all consumer reporting agencies and that all collection activity cease immediately. I further request that the CFPB investigate whether Jefferson Capital LLC is in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) with respect to the reporting and collection of this alleged debt. I am seeking : 1. Verification and validation of the alleged debt. 2. Correction of any inaccurate information being reported. 3. Removal of the collection account from all consumer reporting agencies if the debt can not be properly verified. 4. Written confirmation of the results of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently made a checking and XXXX with capital one i then sent all my saving ( Over XXXXXXXX XXXX ) to these accounts but after a week a flag popped up saying there was a restriction and I couldnt withdraw or use my debit card for any reason, i then called XXXX separate times about the issue gave them my information they sent me an ID and selfie verification I sent my ID in but the selfie part never showed up any of the XXXX times I called so the verification failed and theres no capital ones near me so Im stuck with no money, I also have a credit card on the account which I cant pay on due to the restriction so this could effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX tradeline as inaccurate, incomplete, and not verifiable. XXXX issued a secured credit card with a {$2500.00} limit, yet the account reflects approximately {$3500.00}, because XXXX allowed/posted about {$1000.00} over the secured limit without my consent or authorization. I have disputed this with XXXX multiple times with no meaningful resolution, yet this tradeline continues to be reported. This conduct constitutes unfair practices under 12 U.S.C. 5531 and 5536, implicates consumer credit protections under 15 U.S.C. 1601 et seq., and Regulation Z, 12 C.F.R. 1026.56, and also violates Californias XXXX Fair Debt Collection Practices Act ( Civil Code 1788 and 1788.13 ) to the extent the reporting/collection activity is being pursued through unfair or unlawful means. This is a dispute under the Fair Credit Reporting Act. You must conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). If XXXX can not produce competent documentation verifying the lawful and authorized basis for the reported balance above the secured limit, you must delete or correct the tradeline under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( information that is inaccurate or can not be verified ). I am demanding deletion of the XXXX tradeline ASAP, and written confirmation of the results. Sincerely,

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XX/XX/XXXX I looked at our on-line banking with Wells Fargo and noticed ( 2 ) transactions for the same amount of {$990.00} taken out on the same day, totaling {$1900.00}. Mon. XX/XX/XXXX I called the bank @ XXXX XXXX XX/XX/XXXX to advise them that these ( 2 ) transactions were NOT authorized by us. I was given a claim # XXXX. We received a letter from Wells Fargo on XXXX XX/XX/XXXX dated Mon. XX/XX/XXXX stating we received a credit/deposit for {$990.00} but the other {$990.00} would NOT be returned to us because too much time passed before we notified them because of the ( XXXX ) ( XXXX ) ( XXXX ) requirements, no later than the second business day after the transaction occurred. We were NOT informed about this law when we first contacted Wells Fargo They told us to contact the XXXX XXXX XXXX XXXX @ XXXX We called them they are called XXXX ( XXXX ) Sale we spoke with XXXX in Accounting he stated we are NOT a customer of theirs! We called Wells Fargo back @ XXXX ( XXXX XXXX XXXX ( XXXX ) ( XXXX ) I was given complaint # XXXX We called again Thurs. XX/XX/XXXX @ XXXX ( XXXX ) then again XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX ( XXXX ) was forwarded to a Case Manager XXXX XXXX I called again XXXX XX/XX/XXXX @ XXXX and was told XXXX would call me back in 15 minutes. I called back @ XXXX spoke with XXXX XXXX I would get a call back. XXXX called me back on XXXX XX/XX/XXXX listened to my issue stated she could not reverse the banks decision she was only here to listen. I was then transferred to a XXXX @ XXXX she stated she will e-mail my issue to the Claims Center. XXXX XX/XX/XXXX I went to a Wells Fargo branch XXXX XXXX XXXX XXXX NJ dealt with XXXX XXXX he sent another e-mail complaint # XXXX I was told to wait for a phone call, XXXX XX/XX/XXXX XXXX called me @ XXXX just to listen to my issue ( again ) she then explained they realize the issue with fraud but due to the ( XXXX ) regulations they can't over turn their decision, We are requesting this to be adjusted and that the other {$990.00} be deposited back into our bank account. Our business account was compromised for the first time in almost 40 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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am a long-term XXXX customer who has used XXXX through XXXX for many years without any issues. Recently, I received an email stating that my phone number had been removed from my XXXX Zelle account. When I logged into XXXX, I was shown a message indicating I am no longer eligible to use Zelle. I contacted XXXX customer service, who told me that Zelle placed the restriction and directed me to contact Zelle. I then contacted Zelle, who told me they are only a money transfer service and that the block was placed by XXXX, directing me back to XXXX. On a follow-up call with XXXX, I was told that my phone number and email address would be permanently banned from Zelle through XXXX with no path to reinstatement and no explanation provided. At no point was I given a reason for this action. I was not notified of any dispute, fraud claim, or policy violation. I have received no written explanation. I am being passed between XXXX and Zelle with neither party taking responsibility or providing any information. I am requesting : ( 1 ) a written explanation of why my Zelle access was terminated, ( 2 ) identification of which party XXXX or Zelle made this decision and on what basis, and ( 3 ) a review of whether this permanent ban was applied correctly and in compliance with applicable consumer protection standards. This lack of transparency and accountability has caused significant disruption to how I manage everyday financial transactions.

Company response to consumer: Closed with explanation