vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We purchased a kitchen through XXXX XXXX and prior to finishing the kitchen they went bankrupt. We paid XXXX of the kitchen via check and credit card and XXXX through a 0 % over 3 year financing. We were given a " XXXX '' Credit card that is through Wells Fargo. We disputed the {$15000.00} amount that was left and they denied the dispute.

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 2026-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: AL

Complaint narrative:
I am filing a complaint against Shepherd Outsourcing regarding an improper debt collection communication sent to a third party. On XX/XX/year>, a text message from Shepherd Outsourcing was sent to my mothers phone number regarding an alleged debt connected to me. In the text message, the company identified the creditor ( XXXX XXXX XXXX / XXXX XXXX, XXXX ), referenced the account as an installment loan, demanded payment, and identified themselves as a debt collector. My concern is that the debt collector disclosed details of my alleged debt to a third party who is not responsible for the account. My understanding is that debt collectors are generally prohibited under the Fair Debt Collection Practices Act ( FDCPA ) from disclosing debt information to family members or other third parties. I have retained screenshots of the message, including the phone number, date, and contents of the communication. I am requesting that this matter be investigated and that the collector cease improper third-party communications regarding my alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Self Financial Inc.
State: FL

Complaint narrative:
I made a {$100.00} payment on XX/XX/XXXX for a Self credit product. The payment shows in my app notifications but Self claims they can not locate it. I have provided bank statements and screenshots multiple times. I have not received the credit card and can not reach customer support via phone, chat, or email. It has been nearly 2 months with no resolution or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: OK

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX auto loan tradelines that were actively reporting on my Equifax credit report and included the actual Equifax report pages showing the accounts and disputed payment-history reporting. Equifax responded by stating the disputed tradelines were not currently reporting on my Equifax credit file, despite the accounts clearly appearing on the attached Equifax report pages submitted with my dispute package. This indicates Equifax failed to properly review the documents submitted and failed to conduct a reasonable reinvestigation of the actual disputed tradelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MT

Complaint narrative:
This is a follow-up complaint because the prior CFPB complaint was closed after the company provided only a generic response and did not address any of the substantive questions raised. Despite multiple attempts over more than 53 days, I still have not received answers regarding : * the status of the investigation * why the delay exceeds normal timelines * whether the transaction is being treated as authorized or unauthorized * what findings, if any, have been made The issue remains unresolved and no meaningful information has been provided. I disputed a charge from XXXX on XX/XX/XXXX due to age restrictions not being published on the purchase and unable to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have a capital one bank account that I didn't start. It was missing in mail. I know this because I have informed delivery that notifies me of all the mail coming. It was suppose to arrive on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
I am a right of way consultant working with the XXXX XXXX XXXX XXXX, Colorado on the XXXX & XXXX Roundabout Improvement Project. In connection with the XXXX, the XXXX is purchasing a piece of fee simple right of way and an easement that is encumbered by a mortgage that is currently held by Round Point Mortgage. The City requires all fee simple acquisition be acquired free and clear of any liens. The property owners granted authorization for our firm to work with Round Point Mortgage. On XX/XX/year>, I sent a partial release and consent to easement request to Round Point Mortgage. On XX/XX/year>, I confirmed on the phone that the information was received. On XX/XX/year> a customer advocate reached out and asked for a supporting document to be filled out and stated an appraisal needed to be completed. On XX/XX/year>, the supporting document was receieved by Round Point Mortgage. Since this date, they have stated the documents are under review. I have sent numerous follows ups with no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My bank account at XXXX XXXX XXXX XXXX was frozen on XX/XX/year>, due to a Writ of Execution ( Docket No. XXXX ) executed by the debt collection law firm XXXX, XXXX XXXX XXXX, XXXX. The only funds in this account are direct deposits from Pennsylvania Unemployment Compensation, which are 100 % exempt from garnishment under both state and federal law. I provided the law firm with my redacted bank statements and an employer furlough letter proving the exempt status of these funds via email on Friday, XX/XX/year>. I sent a second written follow-up demand on Tuesday, XX/XX/year>, and left a direct voicemail for the agent handling the file. > Despite receiving undeniable proof that they are unlawfully withholding exempt government survival benefits, XXXX, XXXX XXXX XXXX has failed to release the hold or communicate a resolution. I have also filed a Claim for Exemption with the XXXX XXXX XXXX XXXX in the meantime. This law firm is knowingly violating the Fair Debt Collection Practices Act ( FDCPA ) by continuing to hold exempt government funds XXXX after receiving concrete proof, causing me severe and immediate financial hardship.

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 2026-05-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: NY

Complaint narrative:
I have had excessive calls even on sundays for this. Dates Called : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
My son, XXXX XXXX, who lives in Texas sent me a birthday gift which arrived to me, in Ohio, in XXXX. Then I received a paper bill from Montgomery Ward that was in my name. I never applied for credit with that company. My son thought it would go on his account. I contacted Montgomery Ward and told them that my son never had me pay for gifts from him and I said to put the balance due on his own credit account. The CSR, " XXXX '' told me that he checked something when ordering that meant that the bill was to be sent to me. She told me to fax the info and I stated no and told her to remove me from that credit since I never gave my permission. She got irate with me and I hung up. My son then called Montgomery Ward and told them to put my balance on his account which should have been done when he ordered my gift. The same CSR, XXXX, then told him to send a copy of the bill sent to me. I texted my son the copy. Then I got another bill. I called my son who then called Montgomery Ward again. They then told him to send them a letter with the info which he did [ in early XXXX ]. Today I got another bill and I called my son. He asked me to call this time since he did everything he was told to do in order to fix the problem. So I called Montgomery Ward again. The CSR, XXXX, put me on hold while she spoke with a supervisor. When she came back on she said that her supervisor told her that they have not received any information from my son and that they need to wait until they receive the letter. I stated that I intend to report Montgomery Ward for placing my gift on a new credit without my permission and I hung up in total frustration. How can you help me to get this account placed in my son 's account and my credit account CLOSED? When I searched online for info on reporting this, I received statement that what Montgomery Ward did was identity theft. The amount was under {$200.00} initially. The balance now is {$110.00} due by XX/XX/XXXX. I didn't need my credit score going down as I have large medical due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Mercury Technologies, Inc.

Complaint narrative:
I am filing a complaint regarding XXXX and its refusal to provide a reasonable method for accessing my funds after account closure. I used the account for legitimate business purposes and conducted a total of XXXX transactions, including sending and receiving payments from counterparties for my services via bank transfers and XXXX. On XX/XX/XXXX, I received a notice from XXXX stating that my account would be frozen and closed, with a XXXX hold placed on the remaining balance. I was informed that after the hold period, the funds would only be disbursed via a physical check. I am not a resident of the United States. Receiving a US-issued physical check creates a serious and impractical barrier to accessing my funds. In my case, depositing such a check would likely require traveling to the United States, which is not reasonable or proportionate. I explicitly requested that the remaining balance be sent via bank transfer instead of a check after the hold period. I contacted Mercury support on XX/XX/XXXX and again on XX/XX/XXXX with this request. In both cases, my request was denied, and I was informed that no alternative disbursement methods would be considered. The remaining balance on the account is approximately between {$4200.00} and {$4300.00}. I am unable to verify the exact amount because my access to the account has been restricted. By limiting disbursement to a physical check only, Mercury is effectively placing me in a situation where I may not be able to access my own funds in a practical or timely manner. I believe this is an unreasonable restriction and does not align with fair financial practices, particularly for international customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I didnt take screenshots or anything of the total amounts and it doesnt allow me to log into the app anymore. I was late on a couple of car payments due to me switching my banking company. I also had got a new phone number as well. I updated my contact information and I was notified of the balance I had left. I went to put {$1000.00} down on the balance in person. I was then reached out to by XXXX associate of the remaining balance which was approximately $ XXXX {$800.00} and had within XXXX weeks to pay. By the end of that week a repossession company was at my job securing my vehicle. Although, when I tried to pay my balance they were closed. I work night shift so I was unable to pay that morning due to be being sleep. By the time I woke up they were closed. I know its my business to handle and I could have spared time, but XXXX hours in a hospital is no joke. The next day I called they told me id have to pay a little over $ XXXX. That total was higher than the original pricing. Originally I was told i just have to pay what i owed then what i owed XXXX repossession fee. Thats when someone told me the $ XXXX. I was told multiple different things from multiple different people. Throughout all of this I had noticed where ALL the money I had paid for my car note payments my actual balance NEVER decreased. This financing company was Chase Bank. Car company was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Heritage Finance Company, Inc.
State: NC

Complaint narrative:
I got a loan on my car title and they came to my job and took my car therefore I no longer owe them money. However they are still reporting it on my credit as if I still owe them the whole balance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: TN

Complaint narrative:
< Principal 2 x I am filing a formal complaint against United Collection Bureau , Inc. ( XXXX ) for violations of the FDCPA. I sent a comprehensive debt validation letter dated XX/XX/year>, requesting the original signed contract and legal proof of ownership ( bill of sale ) corresponding to two separate medical accounts from XXXX XXXX XXXX in XXXX, TN ( totaling approximately {$2000.00} and {$2800.00} ). UCB Collections received my request but failed to provide any contract or a copy of my signature. Furthermore, they completely ignored the {$2800.00} account and sent an incomplete response, referencing only a balance of {$2000.00}. They are violating my consumer rights by continuing to report these accounts-which remain unverified and legally incomplete-to credit reporting agencies. I request an immediate investigation and the removal of both tradelines from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, I get a message saying I missed my payment. I had scheduled a payment in XXXX as soon as I received my statement for the full balance. For whatever reason, the automatic payment did not get applied to my account and the company lost record of the transaction. The day after the due date, I called into Avant. Paid the full balance due and was approved for a late fee waiver. 2 weeks later I'm getting messages saying that the waiver was turned from approved or denied. Terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECKredi of Kentucky, LLC
State: TX

Complaint narrative:
I paid with a check commission to a school I work with. They held onto the check for some time and when they went to cash there was a lapse in payment and the check bounced. I called the school right away when I found out and paid the the amount owed plus {$50.00} to cover return check fee on XX/XX/XXXX which turned out to be {$30.00} so I overpaid that amount the check cleared on XX/XX/XXXX ( they held the check again but we were prepared ). Fast forward to XX/XX/XXXX I get a letter in the mail from CheckRedi saying I owe them the {$89.00} plus {$30.00} in fees and said I had until XX/XX/XXXX to dispute this debt. I look at my account and they already withdrew the money from the account without my permission they went into my account without any due diligence and withdrew the money. They refused to send me the money back and I had to work with the school to recover the funds which took XX/XX/XXXX to get my check refunded. My issue with this is we're a new business and that hamstrung our cash flow for XXXX months! They need to abide by the paper they send you and actually give you the time it says to dispute the debt. Because I could have called them by XX/XX/XXXX and cleared this debt up by showing deposits.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have held an account with this company since 2009 and I informed them to no longer accept a charge from a company I previously had service with and canceled. After this conversation, they allowed a charge to go through and I contacted them. The situation shouldve been rectified, but they allowed another charge to go through. The small balance they reported on my credit report was due to the charge they let go through and the late fees they put on top of that. I closed the account because they would not rectify this issue they created. As a result a lot of my other credit card available balances have decreased and my credit score has declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: AZ

Complaint narrative:
I have been trying to get my binance us account to change email I don't have access to anymore I only use my cell phone my last cell phone I have it broke and I don't remember any of my XXXX passwords have given them everything they ask My identification bank statements anything to prove my identity and every time I give it to him they tell me something else so recently I given them to like two times my identity my ID now they're telling me this ID is not valid enough cuz it's just an ID like identification card but it's not expired and I've been having this problem trying to get a hold of my account for a year it seems like now I see I have a portfolio and that's how I found out where my crypto was to begin with so not really sure what to do but I feel like there's something involved with it like fraud because when I was trying to locate a certain address that I sent crypto to I was talking with XXXX XXXX XXXX and it disappeared like just vanished and I was just looking at it so I pretty sure I have all the chat records on that but by XXXX is holding what appears to be my large amount of crypto

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Denied unauthorized transaction claim XXXX XXXX Total amount disputed {$14000.00} & XXXX each Date XX/XX/year> Detailed Narrative : On XX/XX/year>, my PayPal account was compromised, resulting in five ( 5 ) unauthorized transactions of {$2900.00} each, totaling {$14000.00}. I did not authorize, initiate, or benefit from these transfers. I promptly filed a dispute with PayPal ( Case ID : [ Insert Case ID if known ] ), which was denied. PayPal claimed the transactions were " authentic. '' I am formally contesting this conclusion based on the following evidence of Account Takeover ( ATO ) :

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: River Financial Inc.
State: FL

Complaint narrative:
I have made several attempts to contact them, but theyre listed number on the website is not compatible cause Im not paying Member. I have even contacted the Better Business Bureau of California to get this resolved and they close the account and still nothing so I desperately need your help!

Company response to consumer: Closed with explanation