vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am disputing inaccurate credit reporting by Barclays Bank Delaware regarding my XXXX XXXX store credit card. Barclays is reporting XXXX and XX/XX/year> as 30 days late, even though no payment was ever 30 or more days past due. 

I have been enrolled in AutoPay since XX/XX/year>. Under Barclays own statements, when the scheduled AutoPay amount is less than the minimum due, Barclays automatically increases the AutoPay amount to the statement minimum. Despite this, Barclays payment processing system repeatedly sent incorrect payment failed notices, even when retry payments later cleared from my bank account. 

In XX/XX/year>, XXXX was attempted on XX/XX/XXXX and retried on XX/XX/XXXX. Barclays system records the payment as XX/XX/XXXX, but the funds actually left my bank account on XX/XX/XXXX. This XXXX payment does not appear correctly on my XXXX XXXX XXXX XXXX even though my bank confirms the debit. This accounting error appears to have carried forward and caused later months to be incorrectly flagged. 

In XX/XX/year>, Barclays sent another notice stating a retry payment failed. In reality, the retry payment cleared on XX/XX/XXXX. Because I was told the payment failed, I made an additional manual payment the same day. Both payments cleared from my bank account, resulting in a double payment. XXXX followed a similar retry pattern, with payment clearing on XX/XX/XXXX. 

At no time was any monthly minimum unpaid for 30 days after the due date. Payments were late by days, not 30 days, and I paid all late fees and interest assessed. Nevertheless, Barclays has continued to report XXXX and XX/XX/year> as 30-day delinquencies to XXXX XXXX XXXX XXXX.

I have submitted multiple written disputes and supporting documentation directly to Barclays, including bank records and statements, but Barclays has repeatedly responded with form letters stating the reporting is accurate without addressing the documented payment timing errors or missing XXXX payment record. 

This is inaccurate credit reporting that does not reflect my actual payment history and has caused significant credit score harm.

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 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am reporting a systemic and ongoing violation of the Gramm-Leach-Bliley Act ( GLBA ) and a long-term data breach by Santander Bank. Since late XXXX, I have been receiving sensitive, nonpublic personal information ( NPI ) for a stranger who has my email address erroneously linked to their account. 

Timeline of Negligence : Initial Phone Report ( Late XXXX  ) : When I first noticed the emails, I contacted Santander via telephone. The representative I spoke with dismissively claimed that 'two people can have the same email address. ' This is technically impossible and allowed a major security vulnerability to remain open.

In-Person Escalation ( Late XXXX  ) : Dissatisfied with the telephonic response, I personally visited a Santander branch in XXXX, FL. I met with the Branch Manager and reported the ongoing data breach directly to them. Despite this face-to-face report to bank management, no corrective action was taken.

Persistent Breach ( XXXX ) : Over the last five-plus years, the bank has continued to send me a total of 114 unauthorized emails, including third-party payment confirmations and account alerts.

Santander has had direct notice of this breach at both the customer service and management levels for over five years. Their refusal to rectify their records represents a gross failure of their internal data security safeguards and a persistent disregard for federal privacy regulations regarding the protection of customer PII

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 2026-01-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Description of What Happened : I am submitting this complaint regarding Wells Fargos mishandling of my Certificate of Deposit ( CD ) and related communications. My CD matured on XX/XX/year>. Federal regulations require banks to provide timely maturity and renewal notices.

Wells Fargo did not send me any notice by mail, email, or phone call. When I visited the branch, the banker confirmed there was no record of any notice being sent after XX/XX/year>. Despite multiple calls to customer service, including on XX/XX/year>, and follow-ups with the branch, I received conflicting and inaccurate information from representatives, who were poorly trained and located out of county. The issue was only resolved when I personally visited the branch to confirm the facts. 

The Executive Team later claimed a notice was mailed on XX/XX/year>, but no proof of mailing was provided, and the branch system records contradicted this. Wells Fargos failure to provide proper notice, the repeated miscommunication, and the delayed handling of my funds caused emotional distress, wasted time, and financial inconvenience.

I am requesting regulatory review to ensure Wells Fargo follows federal disclosure requirements, maintains accurate records, properly trains staff, and prevents improper handling of customer 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 monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB COMPLAINT STATEMENT Against : Transunion LLC. 

I am submitting this formal complaint regarding multiple inaccurate and unauthorized accounts that Transunion is reporting on my consumer credit report. These accounts were reported without providing me a meaningful opportunity to dispute, and several are the result of identity theft or were not authorized by me, in violation of the Fair Credit Reporting Act ( FCRA ) and Regulation F ( XXXX XXXX XXXX ). 

Disputed / Negative Accounts : XXXX XXXX XXXX XXXX Account # XXXX ( Charge-Off ) SXXXX XXXX XXXX XXXX  Account XXXX XXXX ( Closed/Late ) XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX ( Closed/Late ) XXXX XXXX XXXX Account # XXXX ( Charge-Off ) XXXX XXXX XXXX XXXX XXXX  Account # XXXX ( Charge-Off ) XXXX XXXX XXXX XXXX XXXX  Account # XXXX ( Charge-Off ) XXXX XXXX XXXXXXXX Account XXXX XXXX ( Collection ) XXXX XXXX XXXX Account # XXXX ( Collection ) XXXX XXXX Account XXXX XXXX XXXX Collection ) XXXX XXXX XXXX XXXX  Account XXXX XXXX ( Closed/Late ) Transunion 's reporting violates 15 U.S.C . 1681e ( b ), 1681b, 1681c-2, and 1681i. I did not receive proper notice or a fair opportunity to dispute these accounts, and Transunion failed to block information resulting from identity theft. These violations have caused substantial harm to my credit profile, resulting in financial and emotional distress. I respectfully request that the CFPB investigate this matter and require Transunion to remove or block all unauthorized and inaccurately reported accounts listed above. 

Sincerely, XXXX XXXX XXXX

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 2026-01-22 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I filed a dispute due to XXXX not as described. 
Transaction date XX/XX/year> Dispute filed date XX/XX/year> Yesterday on XXXX they called me while busy and I asked then to call me back in a few hours. They never called and today on XXXX they called me and told me I had XXXX day to get a memo from a professional photographer with a license number. I sent info and they told me I needed to have someone with a XXXX. They still only gave me XXXX hours to locate someone then denied my claim. They did not give me ample amount of time to respond. They have been sitting on this case for almost 2 months and gives me less than XXXX to respond with professional documentation. They also stated that all responses would come via mail when ask if they could mail me they said no they they dont have time for that. I have no emails or text just a call log showing when they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing in response to the collection account you are reporting on my consumer credit report. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Under 1692g ( b ), I am exercising my right to request full and complete validation of this debt. Until such validation is provided, you must cease all collection activity, including the reporting of this account to any consumer reporting agency.

Please provide the following : XXXX. The name and address of the original creditor XXXX. The amount of the alleged debt, including an itemized breakdown XXXX. A copy of the original contract or agreement bearing my signature XXXX. Proof that you are legally authorized to collect this debt XXXX. Documentation showing that the debt is accurate and belongs to me If you are unable to provide the above documentation, you are required under federal law to delete this account from my credit file and cease further reporting.

Any continued reporting of this account without proper validation constitutes a violation of 15 U.S.C. 1692g, as well as the Fair Credit Reporting Act, 15 U.S.C. 1681, and may subject you to legal liability.

Please respond in writing within the time period required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I was selling a pair of moonstone silver earrings on XXXX XXXX. A person named XXXX XXXX contacted me. She offered me the full price for the item ( {$30.00} ). I gave her my email to pay me via XXXX. That {$30.00} never came through, and I received a false email purportedly from XXXX ( XXXX ) saying that, to receive my funds, Id need to upgrade my account to a business account. The email said the buyer needed to send me an additional {$500.00} for the upgrade to happen. She said he would send it, as long as Id reimburse her, which I said I would. 

She told me he sent that {$500.00}. I called the fake XXXX customer service number XXXX ( XXXX ) XXXX telling me that {$500.00} was coming but adding that I needed to send {$500.00} to the buyer firstly to receive my entire {$530.00} the initial {$30.00} payment plus {$500.00} for the account upgrade. 

After some back and forth with the buyer and a video call with an alleged XXXX customer representative, I was pressured into paying {$500.00} in order to receive all of the money owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/XXXX, I went to Macys fragrance section to buy a XXXX for my boyfriend. At checkout, there was a miscommunication between the employee and myself. the employee asked if i had a card with the store, and i told her i have no idea since i only shop there once a year. She asked me for my ID and said that she was only going to look it up in the system. Then I was surprised when she told me to put my social security number in the pad, and told her that i did NOT want to open up a credit card with them. She proceeded to get frustrated/aggravated and said that she was checking to see if i had XXXX. I told her that i wanted my ID back and was not trying to sign up for a credit card, that maybe i had a rewards with my phone number. The woman told me to put my phone number in the number pad and i didnt think anything of it. Fast forward to today ( XX/XX/XXXX ), i checked my credit karma app and there was a new XXXX credit card opened XX/XX/XXXX?!? I immediately called XXXX and they were able to close the account for me. I should have known she was doing something sketchy by the frustration when i told her i didnt want to open a credit card with the store.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Card Services is furnishing inaccurate and misleading information regarding a credit card account reported as a charge-off.

This complaint is not based on the existence of the account and does not constitute an admission of any obligation or liability. It is based solely on the manner in which the account is being reported to consumer reporting agencies.

The account is reported with inconsistent and contradictory account statuses and classifications across consumer reporting agencies. A formal written dispute and pre-litigation notice is being submitted concurrently, detailing the applicable violations and requesting deletion.

I am requesting the complete deletion of this account from all consumer reports.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my access checking and savings account on XX/XX/XXXX with no notice no reason. At XXXX they shut down my account my account day acct blocked while I was trying pay my phone bill which is due tomorrow XX/XX/XXXX I called they gave me the run and rounds and I even told them this is bizarre because I went to the bank at XXXX to deposit my child support money and take out. For them to block my bank account at XXXX? Calling multiple times a person whom claim He a supervisor name XXXX said its under review no reason as to why its under review. However after trying play mind games with me he did say money still there. Because I did mentioned I am going tomorrow in person to my branch to take out my money and leave Citibank I have a phone bill due I need that phone line active because of have an XXXX XXXX. XXXX laughed and said they wont give me my money.

I have to wait for a check in 60 days.

This is criminal what they doing no reason and holding my money I need to pay my phone bill rent and my son XXXX  and my XXXX  for my XXXX and XXXX XXXX. I dont care about them closing my account. I just want my money thats in there and leave to another bank.

They are not releasing {$370.00} in my savings account plus the {$20.00} that was
a direct deposit that suppose to be in my account for XX/XX/XXXX from a temp job I have done and give me run arounds

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I recently was named Conservator for my XXXX XXXX mother XXXX XXXX XXXX XXXX that has XXXX. My mother has a joint account with my brother with Bank of America. In order to access the account I visited the BOA branch closest to me and requested to the bank to add my name on the account and gave them the court order where I was appointed Conservator. First the manager said he thought that was fine but needed to consult with their legal department. Then they called and said that was not possible due to the bank rules but did not provided a copy of such rules. Is my understanding that by doing so they are in contempt of the court. No other alternative solution was provided.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding a deferred interest charge applied to my XXXX XXXX credit card issued by Synchrony Bank. 

I made multiple purchases totaling several thousand dollars on this account and consistently made my required payments on time. I was not late or delinquent at any point. On my statement dated XX/XX/XXXX, Synchrony applied a sudden interest charge of {$290.00}, which increased my total balance to {$770.00}.

I was informed that this interest was applied because a promotional balance was not paid in full by the promotion end date. However, it was not clearly disclosed to me that leaving even a small remaining balance would result in hundreds of dollars in retroactive interest being added all at once. Had this been clearly explained, I would have paid the remaining balance immediately to avoid the charge.

After the interest posted, I contacted Synchrony customer service on XX/XX/XXXX and requested a one-time goodwill or courtesy interest adjustment based on my long payment history, on-time payments, and customer loyalty. I also requested escalation to a supervisor. Synchrony representatives stated that the interest could not be waived and denied my request without offering any alternative resolution.

I am not disputing the original purchases. I am disputing the fairness and disclosure of the deferred interest charge and requesting that Synchrony apply a full or partial goodwill adjustment. The interest charge caused unexpected financial harm despite my responsible payment behavior.

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 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
- Failure to update the hud payment supplement payment amount -Will not accept the payment due to the system showing its not the correct amount - Posted funds send inccorrectly at the higher payment amount and they still got the supplement amount too ( which means we are paying and so is HUD XXXX. 
- escrow money missing after transfer from XXXX  -three payments missing sent to XXXX  XXXX payments posted with higher amount and also incorrect amount -ESCROW issues- missing money - several amounts are being " held '' and not applied - WHY? 

This is really unprofessional and keeps happending and we never had this issue with XXXX! Sick of dealing with MRCooper  tricks!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I am disputing a debt being reported and/or collected by XXXX XXXX that is inaccurate. The balance being claimed was already paid in full through XXXX  ( XXXX XXXX XXXX XXXX XXXX ) at the time of the eviction filing. 

The eviction action was filed by my ex-partner, not due to nonpayment of rent. In court, she stated that rent had been paid and that the electricity bill was also paid.

Additionally, the date of the alleged debt is well beyond the end of the lease term, which can be verified by the lease agreement. Any charges after the lease ended are invalid and not authorized. 

Despite this, XXXX XXXX has continued to report or attempt to collect this debt, which is inaccurate and misleading. I previously sent a debt validation request, and the debt has not been properly validated with proof that it is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CT

Complaint narrative:
i requested a refund on XX/XX/year> for service i didnt receive merchant refunded on XX/XX/year> cash app denied my refund. they have all documents and proof provided but still refuse to refund me. Purchase was made XX/XX/year> for the amount of {$100.00} to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am asking for an investigation to be conducted due to Chime not collecting money that was owed when I had money from my disputes that was approved by them if I owed money at that time they shouldnt took it from my account and I asked them why they didn't, they claim I didn't owe them anything come to find out they reported to the credit bureaus that I owe them {$100.00} and that brought my credit score down if I owe them, they shouldve took their money and its not my fault that something was not taken care of by a company that has the upper hand to handle situations with accounts that has an outstanding balance which they claim I had they closed down my account as well, so I can verify information!

Company response to consumer: Closed with explanation