vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX XXXX, I am entitled XXXX an accurate credit report. I request a review of these entries, XXXX if they can not be verified as accurate, I ask that they be removed.

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 2026-03-26 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX, XX/XX/XXXX, I had an appointment with a XXXX I paid a {$30.00} deposit when I booked the appointment initially on the day of the appointment after service was provided I paid {$140.00} which was the balance of {$170.00} for the total Amount for the visit upon looking at my hair the inspiration photo that was agreed upon XXXX discussed prior XXXX my appointment was not provided. I reached out XXXX the hairstylist or service provider XXXX let them know that that is not the service that I requested XXXX I would like a refund. They declined the refund XXXX I reached out XXXX the bank XXXX made a dispute for a total of {$140.00} with reasons being I was not provided services that was agreed upon the bank declined my dispute after about XXXX days stating that the service was done face-to-face so I had opportunity XXXX not pay without questioning my safety or what XXXX transpired. I was not asked XXXX provide any proof. I was not giving the option XXXX provide any proof. No XXXX reached out XXXX me XXXX look on the service that I receive versus what I asked for XXXX not only was the style very inconsistent poorly done. Sizes are different but my appointment time started an hour and XXXX minutes after it was supposed XXXX XXXX I will attach proof. XXXX they basically told me when I called them the bank that my claim was denied because I couldve discussed with the stylist face-to-face, XXXX I have no option XXXX appeal that decision.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am a new employee of the XXXX XXXX Minnesota. I returned after XXXX years. Upon my return, I updated my checking account information for direct deposit. I did XXXX % in my main checking account, ending in XXXX. I set up another account XXXX receive the other XXXX %. However, XXXX of the accounts did not save. Therefore, I did not get the other {$1100.00}. My employer states it was deposited into an account ending in XXXX. This account has been closed XXXX Wells Fargo doesn't have record, they said. My employer is firm that they can not help me because the money was not returned. They provided me with a trace number, but are unable XXXX help me with anything else because the money was accepted XXXX deposited by Wells Fargo. I have submitted complaints XXXX Wells Fargo XXXX they close the complaint without following up with me. Attached is the email from my employer. Hello XXXX, XXXX XXXX issued a response when I asked if there was anything else we could do on our end. XXXX XXXX stood firm that : XXXX XXXX can see that the funds were deposited into the account XXXX for XXXX. Those funds were accepted. They do not have any records that the funds were rejected. No records of a return of funds ( of the {$1100.00} direct deposit ). XXXX payroll provided a trace number from the bank they use XXXX send payroll checks. This trace number acts like a receipt of the transaction that it was sent. XXXX payroll advised you to reach out XXXX you bank with this trace number into their investigation. I hope with this information that this is resolved for you. XXXX # is : XXXX. Let me know if you should need anything else from me.

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 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant XXXX XXXX XXXX XXXX ( b ) XXXX XXXX XXXX XXXX, I am entitled XXXX an accurate credit report. I request a review of these entries, XXXX if they can not be verified as accurate, I ask that they be removed.

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 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
This dispute involves a systematic failure by the mortgage servicer XXXX correctly process a XXXX XXXX XXXX ( XXXX ) for a townhome unit. The Technical Error : The property is a townhome where the XXXX XXXX ( HOA ) maintains a Master Policy, but the lender requires a specific 'Walls-In ' policy for the individual unit. I have provided a valid XXXX that explicitly lists the specific unit address XXXX confirms the required 'Walls-In ' coverage. However, the servicer 's intake department is incorrectly rejecting the document. Their system or staff appears XXXX be misidentifying the XXXX XXXX XXXX XXXXddress ' ( listed on the subsequent pages of the master policy ) as the property address, while ignoring the actual unit address clearly detailed on the XXXX page of the XXXX XXXX XXXX XXXX XXXX Actions Taken : - I submitted the required XXXX on XX/XX/year>. - I have communicated with the servicer multiple times XXXX point out that the unit address XXXX 'Walls-In ' coverage are clearly visible on the document. Despite this proof, the servicer has force-placed a duplicate policy XXXX charged my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute with SoFi Bank regarding unauthorized debit card transactions totaling {$1100.00} from a single merchant ( SQ RAW TOWING ). These transactions occurred repeatedly across multiple dates between XXXX XXXX XX/XX/year> in varying amounts. The pattern of activity is consistent with fraudulent use, not normal consumer behavior. The transactions included mixed authentication methods ( manual entry and contactless ), which is inconsistent with a XXXX authorized user. I also received a security alert indicating possible account compromise. I submitted supporting documentation, including FTC identity theft reports XXXX a police report, confirming that my identity had been compromised. Additionally, the unauthorized activity stopped immediately after my card was replaced. Despite this, SoFi denied my claim on XX/XX/year>, stating that no error occurred. Their conclusion relied on assumptions such as device authentication, alerts, XXXX card controls, rather than evidence demonstrating that I authorized the transactions. I requested documentation supporting their determination, including merchant responses, transaction authorization details, and device or authentication data. However, SoFi did not provide sufficient evidence XXXX support their conclusion and instead issued a summary that did not reflect a meaningful review of my submitted evidence. I also submitted additional documentation during the appeal process. However, the final determination was issued without any indication that the new evidence was evaluated, XXXX the outcome remained unchanged. I am concerned that SoFi failed XXXX conduct a reasonable investigation as required under federal law XXXX instead relied on unsupported assumptions XXXX deny my claim. I am requesting that this matter be reviewed, that a proper investigation be conducted, XXXX thapt the disputed funds be credited if authorization can not be demonstrated. conclusion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple debt collection agencies that appear XXXX be engaged in a pattern of unlawful debt collection practices XXXX credit reporting violations in violation of the Fair Debt Collection Practices Act ( FDCPA ) XXXX the Fair Credit Reporting Act ( FCRA ). I formally disputed the alleged debts listed above XXXX requested proper validation pursuant XXXX XXXX XXXX. XXXX of the FDCPA. Under federal law, XXXX a consumer disputes a debt, a debt collector is required to cease all collection activity until valid XXXX sufficient verification of the debt has been provided. Despite receiving my dispute, these companies have failed XXXX provide any legally sufficient documentation demonstrating that I have a contractual or legal obligation for the alleged debts. Specifically, they have not provided a copy of any original signed agreement, documentation establishing a complete chain of title for the account, any bill of sale or assignment showing lawful ownership, a full and accurate accounting of the balance claimed, or proof of their legal authority XXXX collect. Instead of fulfilling their legal obligations, these companies appear XXXX have continued collection efforts and/or furnished information XXXX consumer reporting agencies without properly verifying the accuracy of the information. This conduct reflects a disregard for federal law and may constitute willful noncompliance. These actions may include, but are not limited to, violations of the FDCPA, including XXXX XXXX. XXXX for failure XXXX validate a disputed debt, XXXX for false or misleading representations, XXXX for unfair or unconscionable practices, XXXX XXXX for improper collection activity after a written dispute. Additionally, if these companies are furnishing information XXXX consumer reporting agencies without proper verification, they XXXX also be in violation of the FCRA, including XXXX XXXX. XXXX, which requires furnishers XXXX report accurate information, XXXX ( b ), which mandates reasonable procedures XXXX ensure maximum possible accuracy, XXXX XXXX, which requires a proper investigation of disputed information. Furthermore, furnishers are required XXXX comply with the XXXX XXXX XXXX XXXX XXXX XXXX standards when reporting accounts. Reporting information that is inaccurate, incomplete, or unverified may constitute regulatory violations and expose the furnisher XXXX XXXX liability. Based on the conduct described above, these companies appear XXXX be engaging in a pattern XXXX practice of regulatory violations, including attempting XXXX collect debts without proper documentation XXXX furnishing potentially inaccurate or unverified information XXXX consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I paid for lXXXX XXXX XXXX ( dedicated lanes ), but the company was fraudulent XXXX misrepresented themselves. No services were delivered. I was deceived into sending the payment. I filed a claim with citizens Bank XXXX I was denied. I sent them proof too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: AL

Complaint narrative:
I am behind on car payments. The company has been calling me multiple times per day, leaving voicemails, even prior to me falling even XXXX days behind. I have told them they were harassing me, but it has not helped. I have answered many times XXXX even called them myself XXXX discuss the debt. More specifically, they have violated fair debt collection practices act in the following XXXX ways : XXXX. Calling more than XXXX times in XXXX days ( call details below ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. Not waiting XXXX days after speaking with them to resume calls XX/XX/XXXX : I called them XXXX spoke XXXX them about situation. Calls resumed XX/XX/XXXX per above XX/XX/XXXX : I answered their call XXXX spoke with them on details XXXX again, calls did not stop per above

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Titan Solutions Group LLC
State: WI

Complaint narrative:
XXXX XXXX called XXXX didnt report their company name in the voicemail XXXX didnt say it was a debt owed instead a client they are working with in my profile. They keep sending emails XXXX wont stop calling. I will counter sue if they dont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Issue : Illegal Account Set-Off & Violation of State Exemptions Company : Citizens Bank XXXX Citizens Financial Group XXXX XXXX Number : XXXX I am a Massachusetts XXXX with a private student loan through Citizens Bank XXXX Despite being on an active, compliant repayment plan, Citizens Bank performed an unauthorized " XXXX Debit '' ( internal set-off ) XXXX seized XXXX % of the funds in my checking account on XX/XX/year> This action is a breach of our established repayment agreement XXXX violates the following : XXXX. c. XXXX, XXXX ( XXXX ) : Massachusetts law protects the XXXX {$2500.00} in a bank account from XXXX XXXX ensure consumers can meet basic living expenses. The banks action left me with a {$55.00} balance. Unfair XXXX XXXX Practices : The bank acknowledged an error by issuing a partial refund of {$190.00} after my initial dispute, yet they continue to withhold the remaining balance of {$300.00}. This partial refund is insufficient XXXX does not satisfy the legal exemptions required under state law. The bank 's refusal XXXX restore the full balance has created an immediate financial hardship, making it impossible for me XXXX pay for essential needs like rent XXXX utilities. I have already filed a formal complaint with the Massachusetts Attorney XXXX XXXX XXXX XXXX XXXX XXXX. Desired Resolution : I am seeking a full reversal of the remaining unauthorized withdrawal XXXX a formal assurance that my account will not be subject XXXX internal set-offs while I remain in compliance with my payment plan. I made calls & sent emails on XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
I am filing this complaint against EDFinancial Services for reporting inaccurate and inconsistent payment history on my student loan account in violation of the Fair Credit Reporting Act ( FCRA ). My credit report shows that this account was reported as XXXX days past due in XX/XX/XXXX. However, the same payment history reflects that there were no late payments reported in the months immediately prior ( XXXX through XX/XX/XXXX ). It is not logically or factually possible for an account to progress to XXXX days delinquent without first being reported as XXXX and XXXX days late. This inconsistency demonstrates that the payment history being reported is inaccurate, incomplete, or not properly verified. I formally disputed this inaccurate reporting, but EDFinancial failed to correct the issue and continues to report inconsistent and misleading information. Under the Fair Credit Reporting Act : XXXX FCRA XXXX ( b ) requires maximum possible accuracy in reporting XXXX FCRA XXXX ( b ) requires furnishers to conduct a reasonable investigation XXXX FCRA XXXX ( a ) requires disputed information to be properly verified or deleted EDFinancial has failed to meet these obligations by continuing to report contradictory payment history without providing any documentation to validate the accuracy of the reported delinquencies. This inaccurate reporting is damaging my credit profile and financial standing. I am requesting that EDFinancial either provide complete documentation validating the full and accurate payment history of this account or immediately delete the inaccurate late payment entries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am filing this complaint against TrueAccord regarding a collection account being reported on my credit file. At this time, the account is being reported as a collection/charge-off ; however, without proper validation, this reporting is premature and potentially inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proper validation of this debt. Until such validation is provided, this account should not be reported as verified or accurate. If TrueAccord is unable to provide complete and verifiable documentation, I am requesting the immediate deletion of this account from all credit reporting agencies. This matter is causing harm to my credit profile and must be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am filing a formal complaint against Citibank for misrepresentation and failure to deliver earned rewards. My Citi XXXX XXXX XXXX XXXX was inadvertently closed while I was resolving a fraud issue. At that time, I had earned over {$200.00} in XXXX reward certificates in XXXX that had not yet been issued. Within minutes of discovering the closure, I contacted customer service. A representative, after consulting with a supervisor, explicitly assured me that I would still receive my reward by the end of XX/XX/XXXX. When the reward did not arrive, I contacted Citibank again in early XXXX. XXXX separate representatives then advised that if I re-opened the account which require a hard credit inquiry, the reward would be reissued by the end of XX/XX/XXXX. I relied on these representations and reopened the account. However, as of XX/XX/XXXX, I have still not received the reward. During my most recent call on that date, I was informed, contrary to all prior assurances, that I would not receive the reward at all and should wait until XX/XX/XXXX for a possible reissuance. This pattern of inconsistent and misleading information from multiple representatives is unacceptable. I was induced to take action that negatively impacted my credit profile based on assurances that were not honored. This raises serious concerns regarding deceptive practices and consumer harm. Requested Resolution : XXXX. Immediate issuance of my earned reward certificate ( over {$200.00} ) or equivalent compensation XXXX. Appropriate remedy for the unnecessary hard credit inquiry XXXX. A formal written explanation addressing the conflicting and inaccurate information provided I request prompt resolution of this matter. If it is not resolved in a timely manner, I am prepared to escalate this complaint to relevant regulatory authorities.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation