vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I sent {$400.00} through Western Union in XX/XX/XXXX ( XXXX ending in XXXX ) to my brother in XXXX. The transfer was sent as a mobile wallet transfer, but the receiver does not have a bank account or mobile wallet and never received the funds. On or around XX/XX/XXXX, I contacted Western Union and was given a case number. On XX/XX/XXXX, I received an email stating they would contact the bank and provide an update. I never received any follow-up after that. I contacted Western Union again in XX/XX/XXXX and sent follow-up emails on XX/XX/XXXX and XX/XX/XXXX, but I did not receive any response. As of today, the funds have still not been received, and Western Union has not provided any clear information about where the money was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have never entered into any agreement connected to this account.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting by Absolute Resolutions Investments , LLC related to a debt collection lawsuit they filed against me. The original account was with XXXX XXXX XXXX XXXX and was charged off. The debt was later sold to Absolute Resolutions Investments , LLC, who has now placed the account in collections and filed a lawsuit in XXXX XXXX, Texas ( Cause No. XXXX ). Despite the account being charged off, sold to a third-party debt buyer, and currently in litigation, the company is reporting this account on my credit report as an open account, which falsely suggests that it is an active credit account rather than a charged-off debt in collections. This reporting is misleading, inaccurate, and harmful to my credit standing. The account is not open or active, and I can not use it as a line of credit. It should be reported as a closed, charged-off account in collections, not as an open account. Additionally, I have formally disputed this debt by filing an Original Answer with the court. The account is therefore actively disputed, yet the reporting does not clearly reflect the dispute in a meaningful way. This inaccurate reporting is causing significant financial harm, stress, and emotional distress. It negatively affects my ability to obtain housing, credit, and employment opportunities. I respectfully request that the CFPB require Absolute Resolutions Investments , LLC to : Correct the reporting to accurately reflect the account as charged-off and in collections Properly indicate that the debt is disputed Verify the accuracy of the information reported Remove any misleading or inaccurate information from my credit file I am seeking fair and accurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On several occasions, when I have deposited checks over {$1000.00} the deposits have been placed on hold for over a week. One time they never gave a specific reason, the other times they said the system rejected because of the signature. After inspecting the checks and signatures there was nothing unusual about them. The bank claimed that they had no control over the system or the length of time it took to finally clear the checks.

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 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am disputing a collection account reported by Midland Credit Management. This account was previously disputed and later reappeared on my credit report showing that it was reopened on XX/XX/year> after previously being removed or closed. This account had previously been closed and is now reporting again, which has been identified as a potential credit reporting error. I dispute ownership of this alleged debt and the company has not provided documentation demonstrating that I opened or authorized the account. The continued reporting of this account is negatively affecting my credit score and preventing me from obtaining credit and housing. I am requesting a full investigation and removal of this account if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: NH

Complaint narrative:
Complaint Against Upgrade , Inc . Issue : Settlement not honored after payment / inaccurate credit reporting Account Number : XXXX Consumer Name : XXXX XXXX Complaint : In XX/XX/year>, I contacted Upgrade , Inc. regarding settlement of my account. During a recorded telephone conversation, I was explicitly informed by a representative that the company would honor the previously agreed settlement terms if payment was made. Relying on that representation, I sent payment directly to Upgrade via certified mail. The payment was received and deposited by Upgrade. I have proof of delivery and proof that the funds cleared. Despite accepting and negotiating the payment, Upgrade has refused to honor the settlement agreement and continues to report a balance on the account. I dispute this conduct. I made payment in good faith reliance on Upgrades recorded verbal confirmation. Accepting the funds and then refusing to honor the settlement is misleading and improper. Additionally, continuing to report a balance under these circumstances is inaccurate and damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
ive asked citicard to NEVER raise my credit limit unless i call an request it. they have done it 2 times now. when they move it back it sings my credit. they should be held responsible for not filling the creditors instructions. its wrong for them to make changes without requesting permission or the cardholder having to accept, epically when ive repeatly asked them not to!!!!

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: EAST WEST BANK

Complaint narrative:
I am filing this formal complaint against East West Bank for their failure to facilitate my request to close my account. The banks Customer Service Center claims my identity can not be verified, yet the assigned specialist, XXXX ( XXXX XXXX XXXX XXXXXXXX ), who was supposed to perform the verification, has been consistently unresponsive. When I reached out to the support line, they directed me back to the same specialist who is ignoring me, creating an endless loop of non-service. This delay is causing me significant time and financial loss. I demand an immediate identity verification and the final closure of my account. I have evidence of multiple failed attempts to contact the bank and the specialist.

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding restricted access to my funds. I opened an account approximately one week ago and deposited my money through their ATM. My funds was took by the ATM, I FILED A CLAIM .they told me the next day they have my XXXXXXXX XXXX from their atm.. Shortly after, I was informed that my account was restricted due to an inability to verify my Social Security number. While I understand the need for identity verification, the bank has refused to release my funds or proceed with closing my account and returning my balance unless I provide documentation from the Social Security Administration. I have requested that the account simply be closed and that my remaining funds be returned to me, but this has not been accommodated. I am concerned that I am being denied reasonable access to my own money without a clear or timely resolution. I respectfully request assistance in resolving this matter and ensuring that my funds are returned promptly.

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 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LAW OFFICE OF HALL AND ASSOCIATES
State: TN

Complaint narrative:
1. Evidence of Data Manipulation : I have documented that the court 's electronic filing system ( XXXX ) flagged the Plaintiffs filings with Red Validation Errors due to the identity mismatch. The Plaintiff knowingly worked with Clerk staff to manually override these system blocks to force the case through. 2. Deceptive Documentation : The firm provided me with Grayscale photocopies specifically to hide the " Red Error '' headers that are visible on the original electronic records. 3. Missing Foundational Records : The XXXX XXXX has admitted on the record that the original XXXX file is non-existent. The firm is " reconstructing '' typed summaries and certifying them as originals to harass me. 4. Falsified Service : I was out of the jurisdiction on the date the process server claimed personal service. Out of all these cases I have only been properly served 1 time. I am requesting that the CFPB investigate this firm for FDCPA violations, including using deceptive means to collect a debt and failing to verify the identity of the debtor despite documented system warnings. This complaint is a direct escalation of my previous related complaints regarding this debt ( Case # XXXX, ( XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX ) and Case XXXX ( not XXXX XXXX XXXX, and XXXX. Despite my previous attempts to resolve this through the CFPB, the XXXX XXXX XXXX XXXX XXXX has not only failed to provide validation but has escalated their misconduct by manually overriding court system validation errors ( Red-Flags ) to continue targeting my identity. This represents a willful and ongoing violation of the FDCPA after I have already put the company on notice via the CFPB portal. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 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: TX

Complaint narrative:
The debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I didnt sign or participate in any of it. They didnt follow proper stage 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On Friday XX/XX/XXXX, a purchase of flights were made with XXXX XXXX in the total amount of {$1100.00}. There was a charge to my checking account for that amount under the merchant name of XXXX XXXX but then, an additional five charges under the merchant name XXXX XXXX each for {$230.00} totaling the same amount. This put my account into a negative status. The charges for XXXX XXXX cleared my account on XX/XX/XXXX but the charge under XXXX XXXX has been sitting still pending in my account as of XX/XX/XXXX. XXXX was made with capital one bank on XX/XX/XXXX and a case was submitted to resolve the issue and get my account back in good standing via a provisional credit. A follow up for that claim was made XX/XX/XXXX where I ended up speaking with a supervisor whom would not confirm the spelling of their name, only identified as Arvee or RV. He was extremely discouraging and very condescending. He first told me that the request to expedite a provisional credit was denied and when asked to submit another request he advised I can not submit another request then advised I can submit another request but it will still be denied!. I then request to please have someone from the investigating team to contact me same day to further discuss and was met with even more resistance and even asked why do you want to speak with them. Account is my primary checking and remains in the negative, a direct deposit was made to that account on XX/XX/XXXX and ultimately swallowed by the existing debit. This has caused extreme financial hardship and the supervisor I spoke with today not only showed no urgency to assist or empathy toward the issue but went so far to mock me when I mentioned I would file a CFPB report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
Complaint : Misleading debt collection communication after case dismissal I am filing a complaint against a debt collection law firm for making a misleading representation regarding legal action. The firm previously filed a lawsuit against me, which was dismissed without prejudice. As of the date of this complaint, there is no active case pending against me. Despite this, I received a written communication from the firm stating : the office has requested judgment be entered against you. This statement is inaccurate and misleading because : No lawsuit is currently pending in which a judgment could be requested or entered The statement falsely implies that legal action is ongoing and that a judgment is imminent This appears to violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : -Prohibitions on false, deceptive, or misleading representations -Misrepresenting the legal status of a debt -Implying that legal action is being taken when it is not I request that the CFPB : -Require the company to explain the basis for this statement -Require them to cease using misleading language regarding legal status -Ensure their future communications accurately reflect that no active case exists I am attaching documentation showing : The court dismissal of the case I request that this matter be investigated and that the company be required to correct its practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting a follow-up complaint regarding XXXX XXXX XXXXXXXX continued failure to properly investigate an unauthorized debit card transaction resulting from identity theft and account takeover. This issue was previously reported under CFPB Complaint ID XXXX. Bank of America has since issued multiple denials, including a response dated XX/XX/XXXX, continuing to claim that the transaction was authorized. On XX/XX/XXXX, an unauthorized transaction in the amount of {$9800.00} was charged to my Bank of America debit card through my XXXX account. I did not authorize this transaction, did not place the order, and did not receive or benefit from any goods or services. Prior to the transaction, I received a notification from XXXX indicating that a request had been made to change my account login email address, which I did not initiate or approve. Shortly thereafter, my XXXX account was taken over by an unknown third party. At the time of the transaction, I was unable to access my account, and it remains permanently locked by XXXX. I promptly reported the fraud to both XXXX and Bank of America. XXXX refused to refund the transaction and restricted my account. Bank of America denied my claim and has continued to misclassify this incident as an authorized transaction. I have provided an FTC Identity Theft Report and supporting evidence. However, Bank of America has failed to identify who allegedly authorized the transaction or provide any evidence of authorization. Instead, the bank continues to rely on a generic statement that the transaction was authorized by you or someone with permission, which does not meet the requirements of a reasonable investigation under Regulation E. This is a clear case of identity theft and account takeover, not an authorized transaction.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
we took out through a promotion with Barclays bank - an AA sponsored credit card. we set up autopay to pay in full on due date. instead the bank only drew down minimum amount for 5 straight months and the billing ran to XXXX XXXX - and we incurred {$3800.00} in interest. when we noticed this amount and barclays error in not a ) withdrawning full amount so no fees/interest would accrue and b ) the fact that they never sent us amont that was accruing via interest or the balance we were accumuilating by not paying down in full... therefore it went unchecked till our bankers at XXXX XXXX noticed it from the large account that cash was being drwan from. we called them and spoke to serveal supervisotrs. clealry they know they did somethign wrong as they without much fightng waived roughly {$2100.00} in interest- so we are only now disupting roughly {$1600.00} in interest. as i told them - this egregious 25 % APR woudl never have hapened and we paid the balance down on the day we were notified over the phone with the agetn. we spoke to a manager that said she'd ahve to look into it- and the max amount has been waived. I asked why a ) the autopay was set up wrong and b ) more importantly- why we never got the balance sent to us or the interest charged. I ever offered to leave XXXX XXXXXXXX in their bank for 6 mos to make up for their insane APR they charged us. As consumers my wife and I have never carried a balance or accured interst- and we have high credit rating and a net wroth that we could always afford to pay down a credit card balance. we now feel that barclays tried to lure us into this card via an airline - American - promotion with free miles to rip us off by charguing us this insane APR on an auto0pay that they ahve glitched to not fully pull the proper balances and hope consumers just forget about it!!!!

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