vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a three-year customer of U.S. Bank with a consistent on-time payment history. I am currently traveling XXXX XXXX XXXXXXXX and have been subjected to aggressive and potentially illegal account restrictions and inaccurate credit reporting. 
The Facts : In late XX/XX/XXXX, I issued a XXXX Stop Payment order to ensure my funds cleared before the bank withdrew my payment. I intended to be a responsible partner by preventing an NSF ( Non-Sufficient Funds ) event. 
U.S. Banks automated system appears to have coded this as a permanent block. A subsequent manual payment I made on XX/XX/XXXX was also blocked by the bank. 
As soon as I was made aware of the technical failure, I sent a {$1800.00} Wire Transfer via XXXX XXXX in early XX/XX/XXXX to bring the account completely current. 
The Violations : FCRA Violation : Despite being current, my credit score recently dropped XXXX points. Per the Fair Credit Reporting Act, a lender can not report a delinquency until it is XXXX  days past due. I was never XXXX days delinquent. This is inaccurate reporting that has caused me significant financial harm. 
Denial of Access : U.S. Bank has " shadow-blocked '' my digital access. My app shows a generic " maintenance error '' that prevents me from seeing my balance, confirming my {$1800.00} wire, or knowing my XXXX due date. 
Hostile Terms : The bank is demanding " certified funds only '' for a situation caused by their own system 's inability to process my XX/XX/XXXX payment.

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 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve this account under any circumstance.

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 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
} I am filing a formal complaint against Current regarding the handling of my Paycheck Advance repayment. 

My Paycheck Advance balance was {$150.00}. An eligible payroll direct deposit of {$150.00} was applied toward this balance. Current has refused to mark the advance as repaid due to an {$0.00} difference, which appears to be caused by system rounding or processing. 

Despite the fact that the advance was effectively repaid, Current continues to treat the balance as outstanding, intercepting payroll deposits and restricting my account. Holding my funds and maintaining account restrictions over an {$0.00} discrepancy is unreasonable, punitive, and creates financial hardship. 

I contacted Current support and was informed that because the repayment did not exactly match the balance, the advance could not be cleared automatically. However, I am unable to manually repay the remaining {$0.00} through the app, leaving me trapped in a system error with no reasonable method to resolve it myself. 

I am requesting regulatory assistance because this issue requires a manual adjustment by Current, which they have not yet performed despite my dispute. This practice is unfair, disproportionate, and inconsistent with reasonable consumer financial standards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover confirmed no late payments or delinquencies on this account. The reported late from over XXXX days ago is inaccurate and unverified. i request immediate deletion under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: SC

Complaint narrative:
In XX/XX/year> I received a bill from XXXX XXXX XXXX XXXX related to a XXXX XXXX. Despite making consistent payments on this amount, the balance was later sent to collections to a debt collector, AMCOL. I worked directly with AMCOL and settled the account for {$1500.00}, which was agreed to resolve the full balance ( originally {$1800.00} ).

I paid the agreed settlement amount in full to AMCOL. At the time of payment, I reasonably believed the account was settled and closed.

Subsequently, due to a breakdown in communication and accounting between AMCOL and XXXX XXXX XXXX XXXX, the provider continued to reflect a remaining balance of {$370.00}. That remaining balance was then sent to a second debt collector, XXXX XXXX, despite the account having already been settled through AMCOL.

I have contacted AMCOL, XXXX XXXX, and XXXX XXXX XXXX XXXX numerous times ( at least ten calls per party ) attempting to resolve this issue. Despite repeated efforts, I have been unable to obtain clear written confirmation from AMCOL that the debt was settled in full and properly reported back to the provider. As a result, XXXX XXXX continues to attempt to collect a balance that should not exist.

I am disputing the validity of this debt because it arises solely from a failure of communication and accounting between the original collection agency and the provider, not from nonpayment on my part. I paid the agreed settlement in good faith and should not be subject to further collection activity for the same account.

I am requesting written confirmation that the debt was settled in full, correction of all records, cessation of collection activity, and assurance that no adverse credit reporting occurs as a result of this error.

AMCOL accepted a settlement payment intended to resolve the entire account but failed to properly communicate or document that settlement to the original creditor, resulting in an erroneous remaining balance being sent to another collection agency. I am requesting that AMCOL provide written confirmation of the settlement, including date, amount, and confirmation that the account was satisfied in full, and that they notify all relevant parties accordingly.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I fell behind on my Discover card account. It was due to my child getting a XXXX XXXX and me having to unexpectedly be out of work. I was never late on a single payment to Discover, and had my account with them for years before this happened. So as soon as I knew I would be out of work, which was more than 2 weeks prior to my next Discover card payment due date, I called them. I shared all of what was going on with my son, even though it really shouldn't have been necessary. All I asked of them is if they will lower my interest, postpone 1-2 payments, basically my call was to see if they would work with me for just a month or 2, and I requested that they dont charge me a late fee if they can help that. After pouring out to them, long story short, they told me no. There was nothing they would do. I told them theyre refusing, but that doesn't mean ill be able to pay so I asked that they notation everything I told them and to expect me to pay them in 1-2 months. I missed some payments because they went crazy with the interest and kept charging me more and fees until my card was more than XXXX on my balance than I shouldve owed! 
So, I let them know they need to send my account to collections and im not paying the excess charges. But that collections needs to habe the account so it can begin the 7 year thing on my credit. Discover never did turn my account over!!! They kept racking up the charges. Over a year they kept it and then sent a letter thay theyre suing me. I had my side to tell. Do you know a judge ordered on it without even allowing me to appear?! Hes corrupt as can be. So im ordered to pay this amount by the judge. I called Discover, offered them an amount to clear this account!!! the agreement was that my account would be rotated as " settled '' and closed. Paid settlement or whatever, but they agreed to make sure my credit report would read exactly what happened mark settlement paid and I could move on!! 2 years later as of today and they have my account marked " collections '' when never in history has it been to collections! They lie just like the mess they pulled with keeping my account and charging over and over instead of turning it collections. Discover bank has gotten to do wrong to me, my family and my financial livelihood when I did my part, completely!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
In XX/XX/year> I received a bill from XXXX XXXX XXXX XXXX related to a XXXX XXXX. Despite making consistent payments on this amount, the balance was later sent to collections to a debt collector, XXXX. I worked directly with XXXX and settled the account for {$1500.00}, which was agreed to resolve the full balance ( originally {$1800.00} ). 

I paid the agreed settlement amount in full to XXXX. At the time of payment, I reasonably believed the account was settled and closed. 

Subsequently, due to a breakdown in communication and accounting between XXXX and XXXX XXXX XXXX XXXX, the provider continued to reflect a remaining balance of {$370.00}. That remaining balance was then sent to a second debt collector, CBE Group, despite the account having already been settled through XXXX. 

I have contacted XXXX, CBE Group, and XXXX XXXX XXXX XXXX numerous times ( at least ten calls per party ) attempting to resolve this issue. Despite repeated efforts, I have been unable to obtain clear written confirmation from XXXX that the debt was settled in full and properly reported back to the provider. As a result, CBE Group continues to attempt to collect a balance that should not exist.

I am disputing the validity of this debt because it arises solely from a failure of communication and accounting between the original collection agency and the provider, not from nonpayment on my part. I paid the agreed settlement in good faith and should not be subject to further collection activity for the same account.

I am requesting written confirmation that the debt was settled in full, correction of all records, cessation of collection activity, and assurance that no adverse credit reporting occurs as a result of this error.

CBE Group is attempting to collect a balance that stems from an already-settled account. I have disputed the debt and informed CBE Group that it was previously settled with XXXX, yet collection efforts have continued due to lack of internal verification between the parties. I am requesting that CBE Group cease collection activity, verify the debt as required by law, and close the account once settlement documentation is confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My Wells Fargo bank account was closed on XX/XX/2025 and I was supposed to receive a check of the exact amount of {$12000.00} within XXXX business days. It is currently XX/XX/2025 and I have still not received the check in the mail and the address is fully correct. I called customer support multiple times just to be told to pay fees, wait XXXX days, etc and was pushed away with dates being delayed over and over. This account was opened as a minor account, and these funds represent all of my available money. The delay has caused financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
On XXXX, XX/XX/year>, this organization called me twice from the phone number XXXX. Both times they hung up when I answered. On XXXX, XX/XX/year>, this organization called me twice, again. Again, they hung up both times when I answered. On XXXX, XX/XX/year>, at XXXX XXXX, this organization called me a XXXX  time and hung up when I answered. I decided to call them back. Upon answering, the automated service immediately requested personal information ( the last four of my social security number ) without identifying who the company is. I waited through 3 repeated automated requests and then received the option to press XXXX to speak to someone. 

This person asked for my name, to look me up in their system. I provided my name and they told me that neither my name, nor my phone number appears in their system. After trying to figure out what is happening for XXXX minutes, I finally requested to speak to a manager.

While waiting for a manager, I XXXX  the number and found out they are reportedly a debt collection agency. This is information that was not provided to me by the associate on the phone. According to XXXX multiple people are reporting similar situations where this company is calling their number, but their name is not in the companys system. 

After waiting for XXXX minutes for a manager, the associate came back online the line and advised me that my number might have been provided to them by someone else and they cant answer any questions. So, I asked again what company she is working for, and again, she tells me that she cant provide that information to me. 

Finally, after XXXX minutes on the call, this lady notified me that the name of her company is Hyundai. When I asked her if this is the car company or other financial institution related to the car manufacturer, she said she wasnt able to answer that question. Then I asked if she could tell me if there was more to the name and she said she couldnt answer that question either.

I would request that this company be prevented from making future harassing calls to me and other consumers.

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 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I discovered a utility collection account reported by CBE Group on my credit report. This was the first time I had ever seen or been notified of this alleged debt. I never received billing statements, a final bill, a service termination notice, or notice that the account was transferred or placed with CBE Group prior to credit reporting. 

CBE Group is reporting this account without providing proof of service address, service dates, usage records, meter data, or a signed service agreement. Reporting a utility debt without proof of service and consumer authorization violates the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

The account contains conflicting dates and status information, violating the FCRAs maximum accuracy requirement under 15 U.S.C. 1681e ( b ) and the reinvestigation requirement under 1681i. Continued furnishing of unverifiable data after dispute violates 1681s-2 ( b ). 

Attempting to collect or report amounts not expressly authorized by agreement or permitted by law violates FDCPA 1692f ( 1 ), and misrepresenting the legal status of the debt violates 1692e ( 10 ). These actions also constitute deceptive trade practices under Alabama consumer law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I opened a Dell Pay retail credit account issued by Comenity Bank for a Dell purchase. The physical credit card was never delivered, and I am unable to access or identify my account. 

I have made multiple good-faith attempts to contact Comenity Bank/Bread Financial by phone to obtain my account information and make a payment. However, the automated phone system repeatedly terminates the call and does not allow access to a representative. As a result, I am unable to manage or pay the account. 

The underlying Dell order ( Order # XXXX ) was never received. Dell customer service stated the delivery dispute was re-escalated, but I was never contacted with any written outcome. 

Charges and fees are appearing on the account despite denied access and an active delivery dispute. I am requesting written account identification, restored access to payment and account management, and confirmation that no late fees, interest, or negative credit reporting will occur while access is denied and the charge is disputed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AK

Complaint narrative:
Subject : Cease and Desist Debt Collection Communications To Whom It May Concern, I am writing to formally request that you * * cease and desist all communication * * with me regarding the alleged debt referenced above. 

Pursuant to my rights under applicable debt collection laws, including the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ), you are hereby instructed to * * stop all communication with me immediately * *, including but not limited to phone calls, emails, letters, or contact at my place of employment. 

You may only contact me to confirm one of the following : 1. That you will comply with this request and cease further communications, or 2. That you intend to take a specific legal action.

Any further communication beyond these limited purposes may be documented and considered a violation of the law. 

This letter is not an acknowledgment of liability for the alleged debt. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
SoFi Bank confirmed that a check was issued to me ; however, I have not received the funds and SoFi has failed to provide basic information about the payment.

Despite multiple attempts to resolve this directly with SoFi, no representative has been able to tell me when the check was mailed, how it was mailed, or when I should expect delivery. I have repeatedly been told that they do not know, which is unacceptable for a financial institution.

This delay and lack of transparency has caused financial hardship, as I do not have access to funds that SoFi confirms belong to me. I also filed a XXXX  complaint, and SoFi acknowledged it, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was scammed on the XXXX of XXXX around XXXX - XXXX by someone impersonating to be my boss I sent them a total of XXXX dollars after finding out it was a scam I instantly filed a complaint with XXXX XXXX and chase did not let me file a fraud complaint last night as it happened so when I call them today and explain the situation they told me to be careful next time and told me there hands were tied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and 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 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
On XX/XX/year> at approximately XXXX p.m., I received an email from my employers XXXX XXXX department informing me that several voicemails had been left on the main XXXX phone line on my behalf from an unknown number. XXXX advised that the messages contained personal information related to a debt and expressed concern about my privacy. They requested that I contact the caller and instruct them not to call that number again, as it is not a personal contact number and should not be used to reach me. 

After receiving this notice, I contacted the number and learned that the caller was a debt collector representing Windchase Apartments. During that conversation, I clearly instructed the representative not to call or leave messages at my workplace or on my employers voicemail under any circumstances. The response from the representative was dismissive and did not reflect understanding or concern regarding my request or the privacy issue created by their actions. 

These calls resulted in the disclosure of personal debt-related information to my employer, which I believe is inappropriate and a violation of my privacy. I am submitting this complaint due to the debt collectors repeated contact with my workplace, the sharing of personal information, and their failure to appropriately respect my request to cease such communication.

Company response to consumer: Closed with explanation