vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Removal of Unauthorized Credit Inquiries Dear CFPB Representative, I am submitting this formal complaint regarding multiple unauthorized or inaccurate credit inquiries appearing on my credit report. These inquiries were not initiated by me, were made without my consent, and are negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unauthorized. I am requesting a full investigation into these inquiries and the immediate removal of all unauthorized entries from my credit history. The inquiries in question are as follows : Bank / Creditor Date of Inquiry Type of Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Hard Inquiry Note : Attach all supporting documentation verifying that these inquiries were unauthorized. I request written confirmation from the CFPB or the relevant credit reporting entities once these inquiries have been removed. Please take urgent action to ensure that my credit report reflects only accurate, authorized information. I trust the CFPB will handle this matter promptly and in accordance with federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
A collection account from Southwest Credit Systems LP is currently being reported on my credit report associated with XXXX XXXX XXXX, account XXXX XXXX I do not recognize this alleged debt and have no knowledge of what this account could possibly be for. Prior to this account appearing on my credit report, I never received any initial notice or written communication from this company regarding the alleged debt. Under the Fair Debt Collection Practices Act, a consumer must receive written notice of a debt and the right to dispute it. Because I never received this notice and do not recognize this account, I requested proper validation of the alleged debt multiple times. Despite my repeated requests, Southwest Credit Systems has failed to provide documentation verifying that the alleged debt is valid or that they have the legal authority to collect it. Proper validation of an alleged debt should include documentation such as : Documentation identifying the original creditor and account details The date the alleged debt was incurred A complete itemized statement explaining how the balance was calculated Documentation demonstrating that I authorized the services associated with the account Documentation proving that the collection agency has the legal authority to collect the debt Documentation demonstrating that the alleged debt was legally assigned or transferred from the original creditor to the collection agency Despite my requests for this documentation, the company continues to report this account on my credit report without providing proper validation. Under the Fair Credit Reporting Act 1681e ( b ), companies that furnish information to credit bureaus must ensure that the information reported is accurate and capable of verification and must comply with XXXX XXXX reporting standards. Because this alleged debt has not been properly validated and I never received the required initial notice, the continued reporting of this account raises serious concerns regarding compliance with the FCRA, XXXX XXXX reporting standards, and the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
COMPLAINT NARRATIVE : I am filing this complaint against Freedom Mortgage regarding the intentional obstruction of my refinance application ( Account # XXXX ) on a property located in the City of XXXX XXXX, CA. Background : My property is part of a XXXX XXXX XXXX where each units individual Assessors Identification Number ( AIN ) is currently being separated from the master parcel by the City of XXXX XXXX. The City has confirmed this process and provided a 6-month completion timeline. This is an administrative process entirely outside of my control. The Issue : Freedom Mortgages tax team has repeatedly requested a XXXX XXXX tax bill and proof of payment documentation that does not exist yet because my individual AIN has not been assigned. I have explained this in writing multiple times to multiple Freedom Mortgage representatives including XXXX, XXXX, and XXXX XXXX ( Team Lead, Mortgage XXXX ). Each time I have offered alternative documentation including a written statement from the XXXX of XXXX XXXX confirming the AIN separation process. Portal Obstruction : The disclosure signing task in my loan portal was locked and greyed out, preventing me from completing the required 7-day signing window through no action of my own. I formally documented this in writing and requested an explanation. None was provided. Non-Response : After notifying Freedom Mortgage of my intent to file a regulatory complaint, all communication ceased. When I called, I was told my email was under review. No substantive response has been provided in over two days. What I am requesting : 1. Investigation into whether Freedom Mortgage deliberately obstructed my refinance by locking my disclosure portal and refusing to accept documented alternative explanations for unavailable tax documentation 2. A formal response from Freedom Mortgage regarding what alternative documentation they will accept given the City-confirmed AIN situation 3. That the 7-day disclosure window be reset, as it expired due to their system restriction not borrower inaction I have a complete written record of all communications available upon request.

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: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Used credit card and was fraudulent charges and want to be reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
To : Radius Global Solutions LLC Email : XXXX RE : Account Reference # : XXXX Original Creditor : XXXX XXXX ( Account ending in XXXX ) To Whom It May Concern, I am writing to formally dispute the debt referenced above. I have received your collection letter dated XX/XX/XXXX, regarding an alleged debt owed to XXXX XXXX. I dispute this debt in its entirety because it appears to be a case of mistaken identity. While I did reside in XXXX from XXXX until XXXX, I have been a resident of the XXXX of XXXX since XX/XX/XXXX. I have lived at my current address, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, since XX/XX/XXXX. The service address listed in your letter, XXXX XXXX XXXX, XXXX, XXXX XXXX, is not an address I have ever lived at or received services at. I do not recognize these charges, and this account does not belong to me. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt by providing proof that I am legally obligated to pay it. Specifically, please provide a contract or statement bearing my signature, or proof that the service listed was ever associated with me. Furthermore, please cease all collection activities until you have provided this verification. Please ensure your records are updated to reflect that I am not the responsible party for this XXXX XXXX account. You may contact me in writing at the address above or via email regarding this dispute. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank has unreasonably delayed opening a Qualified Income Trust ( XXXX XXXX ) account despite complete documentation, including a valid Texas Statutory Durable Power of Attorney. The delay has caused direct financial harm of approximately {$5200.00} due to Medicaid eligibility timing. Chase has failed to provide any written explanation or respond to escalation case XXXX after multiple attempts over three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Global Lending Services LLC
State: NC

Complaint narrative:
filing this complaint against Global Lending Services for their persistent failure to report my auto loan payment history to the major credit bureaus ( XXXX XXXX XXXX XXXX ). I have held this account for 9 months and have made every payment on time and in full. Despite my account being in good standing, Global Lending Services has failed to furnish this data to the credit bureaus. I have contacted their customer service department multiple times over the last several months. Each time, I was verbally assured that the account was being reported and that the history would appear " shortly. '' It has now been 9 months, and the account still does not appear on any of my three credit reports. Legal Violation : Under FCRA Section 623, furnishers of information are required to provide accurate and complete data to credit reporting agencies. By failing to transmit my 9-month positive payment history, Global Lending Services is providing an incomplete and inaccurate picture of my creditworthiness, which negatively impacts my ability to access other financial products. Attempted Resolution : I have already reached out to the lender directly to resolve this. They have acknowledged the account is active but have failed to take the necessary technical steps to ensure the data is successfully transmitted and accepted by the bureaus. Desired Resolution : I am requesting that Global Lending Services immediately transmit my full 9-month payment history to XXXX XXXX and XXXX and provide me with a confirmation that the " XXXX XXXX XXXX file was successfully accepted by all three bureaus. Tips for the " Attachments '' Section The CFPB portal allows you to upload files. To make your case " bulletproof, '' upload the following : A recent billing statement from Global Lending Services showing your account number and balance. A screenshot or PDF of a credit report ( like from XXXX XXXX or XXXX ) showing that the GLS account is missing. The Dispute Letter we drafted earlier ( if you have already mailed it ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Five Lakes Law Group PLLC
State: GA

Complaint narrative:
I am filing a complaint against Five Lakes Law Group for improper fees, misrepresentation of services, and withholding of funds in violation of the Telemarketing Sales Rule and other consumer protection laws. I enrolled in their program with the clear understanding that smaller debts would be settled first, consistent with my financial capacity. Instead, the company attempted to settle my largest debt, which I could not afford. When I realized this, I did not approve the settlement and requested termination of the program. The company now claims I approved a settlement on XX/XX/year>, and that all fees were " earned. '' However, they have refused to provide : XXXX. A recording or documentation of my approval XXXX. Proof that any payment cleared XXXX. A full breakdown of fees XXXX. Evidence that the settlement was completed XXXX. Contract language authorizing fees after termination Under federal law, debt settlement fees may only be charged after a settlement is reached, approved, and successfully completed. None of these conditions were met. The company is withholding my funds and refusing transparency. I am requesting CFPB assistance in recovering my funds and addressing the company 's non-compliance.

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: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year>, I logged a formal CFPB complaint XXXX against Barclays Bank over what I suspected was a simultaneous failure to refund the annual fee and close the account. I received a resolution call shortly thereafter assuring the fee had been refunded, and the account closed. It is now crystal clear to me that Barclays is nothing but a collection of habitual liars and paper pushers who get paid to close cases without real substance and problem resolution in favor of their clients. How else could one explain this long welcome email from XXXX pledging to convert my account and even grace me with their plastic effective XX/XX/scrub>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 explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I opened a Comenity Bank credit card to finance dental work. Without prior notice or clear explanation, Comenity charged {$710.00} in interest to my account in a single charge. This amount appeared suddenly with no warning. Since that charge, Comenity has continued to add additional interest charges every single month, causing my balance to grow continuously beyond what I originally borrowed, and those monthly charges are still occurring as of today. Over the past two months, I have made multiple attempts to contact Comenity to dispute these charges and get an explanation of how they were calculated. During one attempt, I was transferred to a manager and placed on hold, after which the call was disconnected. I was never called back. Despite two months of attempts, Comenity has refused to provide any explanation of the {$710.00} charge, how it was calculated, or why interest continues to accrue every month. On XX/XX/year>, I called Comenity customer service and spoke with agent XXXX, employee # XXXX. He repeatedly refused to address my billing dispute, told me there was nothing he could do, and directed me to contact my credit bureau, which has no jurisdiction over a billing dispute. He refused to escalate my call to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX

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: U.S. BANCORP
State: MO

Complaint narrative:
some one gave me a bad check.. i took it to the bank .i told the bank i dont know these people, dont really trust them .. the check bounced.. the bank closed my account.. i cant get an answer.. i get a form letter about user aggrement....... thats not an answer

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
When I banked with Bank of America my account was over drafted and I was charged several over draft fees.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
Two collection accounts from United Revenue Corporation are currently being reported on my credit report : Account # XXXX Original Creditor : XXXX XXXX XXXX {$930.00} Account # XXXX Original Creditor : Texas XXXX XXXX {$1600.00} I do not recognize these alleged debts and have no knowledge of what these accounts could possibly be for. Because of this, I requested proper validation of both alleged debts, including documentation verifying that the debts are valid and that United Revenue Corporation has the legal authority to collect them. It has now been well over 60 days since my request, and I have not received proper validation of these alleged debts. Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), when a consumer disputes a debt and requests validation, the collector must provide documentation verifying the debt. Proper validation should include documentation such as : The name and address of the original creditor A detailed itemized statement explaining how the balances were calculated Documentation showing that I authorized the services associated with the alleged debts Documentation proving the collection agency has the legal authority to collect the debts Despite my request for this information, United Revenue Corporation has failed to provide any documentation verifying these alleged debts while continuing to report them on my credit report. Under the Fair Credit Reporting Act ( FCRA 1681e ( b ) ), companies that furnish information to credit bureaus must ensure that the information reported is accurate and capable of verification. Furnishers must also comply with XXXX XXXX reporting standards, which require that information reported to credit bureaus be consistent, accurate, and properly documented. Because these debts have not been properly validated and continue to be reported, the reporting of these accounts raises serious concerns regarding compliance with the FCRA, XXXX XXXX reporting standards, and the FDCPA. I have also filed a complaint with the Federal Trade Commission ( FTC ) and the XXXX XXXX XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally raise a complaint regarding the unexpected closure of my accounts and the subsequent delay in accessing my funds. On XX/XX/, while I was on vacation, I received 14 email notifications stating that accounts linked to my debit card were no longer active. I immediately contacted customer service to seek clarification. During my first call, the representative was unprofessional and disconnected the call. On a subsequent call, another representative informed me that my accounts were being closed at the banks discretion but was unable to provide any explanation. I was advised to expect a letter within 10 business days with further details. On XX/XX/, I contacted customer service again regarding an ACH deposit dated XX/XX/, which I expected to be rejected and returned to my employer. During this call, I was informed that the deposit may still have been accepted into the closed account. I was further advised that I would need to wait 10 business days for the account closure to be finalized, followed by an additional 10 business days to receive any remaining funds, including the XX/XX/XXXX deposit. This situation has created significant financial hardship, as I currently do not have access to my funds and am unable to meet essential financial obligations, including my mortgage and other bills. I respectfully request a prompt review of this matter, clarification regarding the account closure, and expedited access to my funds. Thank you for your immediate attention to this issue. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation