vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate and disputed collection account being reported on my consumer credit reports. I formally dispute the accuracy and validity of this collection account. I have requested validation of this alleged debt, and the collection agency has failed to provide sufficient documentation proving that : I legally owe this debt ; The amount being reported is accurate ; The collection agency has legal authority to collect ; The account information being furnished to the credit bureaus is complete and accurate. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), debt collectors and furnishers of information are required to accurately report and properly validate disputed debts. Despite my dispute, this account continues to be reported on my credit file, causing financial harm and damage to my creditworthiness. I respectfully request that the CFPB investigate this matter and require the collection agency and credit reporting agencies to : -Remove the inaccurate collection account from all consumer credit reports ; -Cease reporting unverifiable or inaccurate information ; -Provide proof of compliance with all applicable federal laws. If the collection agency can not provide competent evidence validating this debt, the account should be deleted immediately. Thank you for your assistance and investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: MA

Complaint narrative:
On XX/XX/XXXX, of XXXX I was charged {$1100.00} for membership fees for my credit card. At that time I contacted Barclays and downgraded my card membership to the basic fees which they immediately charge my card for and told me they were going to issue a refund for the {$1100.00} in charges. About three weeks afterwards I called back and they still had not resolved the issue or credited my card back yet for the {$1100.00} but they told me that would be resolved in the next billing cycle so I called them again today XX/XX/year> and spoke with the quote manager quote on duty and she indicated that there is some sort of issue happening and that they do not know when the card will be credited back the amount of {$1100.00} for the fees. I would like the credit card fees of {$1100.00} to be credited back immediately and I would like for an additional credit to be applied to my account for the inconvenience of having to wait and constantly follow up with Barclays credit card to make sure the {$1100.00} they took from me will be followed up on because they have not taken action on their end to keep me notified as the consumer

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 2026-05-17 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX there was a XXXX XXXX payment that was deducted from my checking account. The total amount was {$790.00}. I filed a total of three claims for this unauthorized charge. The first time I filed a claim over the phone. Then I went into the branch on XXXX XXXX XXXX in XXXX. The third claim was back at the branch on XXXX XXXX XXXX. All three claims were denied. I called XXXX Support 3-4 times to get assistance. They confirmed I have no XXXX XXXX account and the email associated with the transaction does not belong to me. I explained that I did not lose my card, I did not authorize anyone else to use it, and the card was in my possession at the time. I also was informed in TD Bank 's correspondence sent to me on XXXX and XXXX stating, " you have the right to request documentation, if any, used to make our decision. '' When I requested this documentation, they failed to provide it. On XX/XX/XXXX their correspondence stated " the spending pattern is consistent with previous account history. '' However, days later following the unauthorized XXXX XXXX payment of {$790.00}, there was an unauthorized XXXX XXXX payment deducted from my checking account again. The amount was {$600.00} from same Merchant : XXXX XXXX Sent Money 1 Infinite Loop. Credit was granted for that charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
After my account was closed for no reason they keep telling me suspicious activity was the reason after i opened new ones verifying them with my identity they close again.telling me to tell them whats my reason for opening the account in a appeal to reopen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This collection account reported by XXXX XXXX does not belong to me and is the result of identity theft. I previously disputed the original account with XXXX, which was the bureau reporting it at the time, and the account was removed after the furnisher failed to provide valid proof that the account belonged to me. After the account was deleted from XXXX, the collection company attempted to re-report the same fraudulent account to Experian and XXXX in an apparent attempt to continue damaging my credit despite the lack of verified ownership. Under the Fair Credit Reporting Act ( FCRA ), a company can not continue reporting unverifiable or fraudulent information once it has failed to validate the debt. I am requesting that this account be immediately removed from all credit bureaus and that the collection agency provide full documentation proving this account legally belongs to me. I also request an investigation into the reinsertion of this account after it was previously removed due to lack of verification.

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 2026-05-17 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: CA

Complaint narrative:
* * 1. The Root Issue with the Merchant : * * I utilized Cash App to fund an online casino account to purchase virtual coins. I did not receive or get to use the virtual coins I paid for because the casino app stopped working properly and I was locked out/unable to log in. Because the merchant failed to provide the goods/services I paid for, I initiated transaction disputes through Cash App. * * 2. Cash App 's Failure to Investigate and Communicate : * * Cash App has failed to properly handle my claims and they just focus on one merchant transactions ( XXXX XXXX ) and the rest they put dispute completed without any explanation or comment/ status just dispute completed and has violated standard dispute resolution transparency : * * * Lack of Explanation : * * Cash App summarily closed multiple claims by marking them as " Disputes Completed '' without providing any written status updates, explanations, or formal letters explaining why the claims were denied. * * * Selective Resolution : * * They ignored the bulk of the submitted claims, focusing their attention on only one single merchant transaction while ignoring the rest of the related transactions. * * * Failure to Update : * * I have received no clear status communication or legally required explanation of findings regarding the closed/denied claims. * * * I included some screen recorded from my phone when im trying to open the mobile app casino that shows that I can't login or get in to the app and its not the same as like before the platform is just like a regular game.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX I canceled my XXXX subscriptions and still got charged XXXX on my Capital One account on XXXX XXXX I then called Capital One customer service on XXXX XXXX XXXX to dispute the XXXX charge from XXXX and ask that they Block future charges from XXXX, as there's no way to contact XXXX and they were still charging me. I also asked for a new card, assuming that would also block recurring charges from XXXX unless I updated my account with them XXXX. I received a case numbeXXXX XXXX XXXX XXXX XXXX from the Capital One agent and was told someone would block the card and contact me. No one has, and in fact they updated my card number with XXXX WITHOUT MY PERMISSSION. \n\nI attempted to remove the recurring charge from my Capital One credit card on their mobile app, and WAS NOT ALLOWED. THIS IS BALONEY, AND CONSUMERS SHOULD HAVE THE RIGHT TO REMOVE ANY MERCHANTS THEY CHOOSE.\n\nAttached are screenshots from the XXXX XXXX for my account XXXX that I canceled. One page says I STILL HAVE THE SUBSCRIPTION. Two pages say I HAVE NO SUBSCRIPTIONS. \n\nI have been charged and now it looks like I'll be charged again in XXXX unless they block the charge. THIS IS AN ISSUE THAT IS ALL OVER THE INTERNET REGARDING XXXX CONTINUING TO CHARGE PEOPLE AFTER THEIR SUBSCRIPTIONS ARE CANCELED."

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was charged {$15.00} fees for not having enough funds in my account when the minimum balance was {$500.00}. I called to get the fees waived because I knew nothing about the fees being charged. I was only able to get 1 fee refunded. I closed my account for the lack of empathy this banks shows. I can see why they have such a bad reputation. I even wrote the board of directors who doesnt give a 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 explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Urgent Complaint : Rigid Treatment and Unacceptable Agent Misconduct ( Hung Up on Customer ) Regarding Overseas Technical Glitch To CFPB and Citibank Executive Office : I am writing to formally lodge a severe complaint through the CFPB regarding the rigid treatment and shocking lack of professionalism I experienced from Citibank 's customer service and retention teams ( Account ending in XXXX I have been a loyal Citibank cardholder for over XXXX YEARS, maintaining an impeccable payment history. Recently, while traveling outside the United States, I set up a scheduled payment for my account. However, due to a technical glitch with the online banking system while I was overseas, the scheduled payment failed to process. This was strictly a system execution error, not a lack of funds on my end. Upon discovering this, I contacted customer service to request a courtesy waiver. To my disappointment, the front-line agents completely refused to assist, despite even their own system confirming my XXXX tenure. When I requested to speak with the retention department and expressed that I was considering closing my account due to this unfair treatment, the representative 's attitude instantly shifted. They became completely dismissive, refused to offer any assistance or alternative compensation ( such as ThankYou points ), and ultimately hung up the phone on me. For your investigation, this specific phone call occurred on XX/XX/year>, at approximately XXXX XXXX ( XXXX ) Central Time ( CT ). > Being penalized for an international scheduled payment failure is frustrating enough, but being treated with total indifference and having a phone call intentionally disconnected by a Citi representative after XXXX YEARS of loyalty is absolutely unacceptable. This gross misconduct has severely damaged my trust in your institution. I value my credit and my long-term, XXXX relationship with Citibank. I am requesting a senior manager from the Executive Office to review this incident, pull the call recording from the timestamp provided, address this unacceptable agent behavior, and reverse the unfair late fees and interest charges. I look forward to your prompt response before I escalate this matter further to federal regulators and close all my accounts with Citibank. 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 monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Due to XXXX and XXXX 's negligence my credit score dropped. In addition I requested a call from their supervisor and never got one. Be advised that this a new issue so do not keep closing my complaint claiming that it's an old issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
This account appears on my XXXX credit report. I previously disputed this with the credit bureau and it was not removed. I have sent a debt validation letter requesting proof of the debt, chain of ownership, and original creditor documentation. The company has not properly validated this debt. I am requesting immediate removal from all credit bureau reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding New American Funding and the mishandling of my mortgage payoff and escrow account during the transfer of my loan from Rocket Mortgage. When my mortgage was transferred on XX/XX/year>, the payoff amount sent to XXXX Mortgage was insufficient, which resulted in me having to personally pay an additional {$2400.00} on XX/XX/year> to prevent my account from being delinquent, remaining unpaid and to avoid further issues with my mortgage. I made this payment because I did not want XXXX Mortgage to return the funds to New American Funding due to the short payment. Which I mentioned to New American Funding plenty of times, but they never reached out to XXXX mortgage. I have attempted numerous times ( XX/XX/year>, XXXX ) to contact New American Funding by both phone and email regarding reimbursement of the amount I had to pay out of pocket, but I have not received any meaningful response or resolution. Additionally, I believe New American Funding deliberately underestimated my escrow account during the loan setup process. After only a month being with NAF, they increased my monthly mortgage payment by {$360.00} starting on XX/XX/year>, stating that my escrow account had a shortage based on their escrow review. This significant increase has created financial hardship and raises concerns regarding the accuracy and transparency of their escrow calculations from the beginning of the loan. I am requesting that the Consumer Financial Protection Bureau investigate the following : 1. Why the payoff amount sent to XXXX Mortgage was insufficient, causing me to pay {$2400.00} out of pocket. 2. Why I have not been reimbursed despite multiple attempts to contact New American Funding. 3. Whether New American Funding properly calculated and disclosed the escrow requirements at the time of my loan transfer. 4. The reason for the sudden increase of {$360.00} to my monthly mortgage payment due to the alleged escrow shortage. I respectfully request reimbursement of the funds I paid and a full review and explanation of the escrow calculations and payment increase. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Back in XX/XX/XXXX is when money started coming out of my account and back then it was like random amounts like XXXX XXXX twice XXXX XXXX twice and I had no clue what it was. I contacted the bank to find out what was going on and who was taking it out they didnt know and they sent me over to a different department. I talked to them. They said that I owe money on two loans that were old. I tried to dispute then they said that they would take any money out of any accounts that I had my name on which I had on my kids that are XXXX and my friends account which we share bills and use to pay the bills with. Due to being scared and threatened I set up a payment plan with them {$30.00} a month for each account. I then asked them if they could email me all the information and also send me the loan information the payments in the mail. She confirmed this. I have been trying to get this information since then and now its in XXXX Ive gone to the bank and spoke to the bank. They tried to get the information and couldnt access it and then I went back in again and my lady there tried to contact the department that it was in and requested it. They had an email it and I still have not received anything. I have no proof that I am making these payments to someone other than its coming out of my account but it doesnt actually say what its for and what it is I have no clue what the loan amount was. I dont know how much Ive paid down. I dont know how long its supposed to be. I have no proof of all the payments like on a letterhead sent from them that I requested. I have never gotten any of the things that you would normally get from any type of company or bank that you had a loan or checking anything and I still have not received anything which Im concerned with because I feel like now, this may have been a shady thing and I may be giving money out to someone or something. Thats not actually a legitimate thing. You can see on the attached partial receipt of the account they were taking out of when it started and then when it changed to {$30.00} each account every month and then you can see it going all the way to now where like at some point the name even changed for what it was transferring to and then at one point, they started putting money back on into the account a few times and then took it back out and then put it back in and then now theyre only taking it out once just {$30.00} not double, that started in XX/XX/XXXX when it went down to just one. The actual bank is Navy Federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: SLM CORPORATION
State: NY

Complaint narrative:
On XX/XX/2026 I spoke with customer service rep via chat in which I have proof of conversation stating I am unable to make monthly payments due to being on XXXX XXXX, payment plan was agreed upon and payments was starting to be taking out for two loans instead of three when I called this month inquiring about why only two loans is being taking out I was told they have no information on file of being on a payment plan, I have copies of all my history of payments and when I tried to attempt to access my Sallie Mae account they locked me out. I called again was told in order for me to access my account I had to make a payment in which I did make this month payment. I am submitting this formal complaint against Sallie Mae concerning unfair, deceptive, and financially harmful practices related to my student loan account. Over the course of my repayment experience, I have encountered serious issues that have caused significant financial hardship and emotional distress. These issues include, but are not limited to : Excessive interest accumulation Misleading repayment information Difficulty obtaining reasonable repayment assistance Poor customer service and inconsistent communication Potential misapplication of payments and account handling concerns Financial hardship caused by aggressive collection or repayment demands Despite repeated attempts to resolve these matters directly with Sallie Mae, the company has failed to provide an adequate resolution. I believe these actions may constitute unfair and deceptive business practices in violation of consumer protection laws. As a borrower, I have made efforts in good faith to maintain my account and seek assistance ; however, Sallie Maes practices have negatively impacted my financial stability, credit standing, and overall well-being. I respectfully request the following : A full investigation into my account and Sallie Maes handling of my loan ( s ) A detailed accounting of all balances, interest charges, and payment history Correction of any inaccurate reporting or account errors Consideration for affordable repayment options or hardship accommodations Written confirmation of the resolution outcome I am prepared to provide supporting documentation, including account statements, payment records, correspondence, and any additional evidence necessary to support this complaint. Thank you for your attention to this matter. I respectfully request prompt review and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation