vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Re : Response to your correspondence dated XX/XX/year> Account # : [ XXXX ] XXXX XXXX : XXXX I am writing in response to your letter dated XX/XX/year>, which you sent regarding my request to correct inaccurate information reported about my account. Although I received your response, I must emphasize that your letter does not adequately address the serious violations of the Fair Credit Reporting Act ( FCRA ) and other applicable requirements that I raised in my earlier correspondence. I respectfully reiterate and expand the key issues below : 1. FCRA Accuracy Requirement ( 15 U.S.C. 1681e ( b ) ) Consumer reporting agencies and the furnishers of information must use reasonable procedures to ensure the maximum possible accuracy of the information reported. Your reporting is contradictory and therefore legally inaccurate. Specifically, my account has been reported as charged off or canceled, while at the same time it is also being treated as a collection. This inconsistency can not be reconciled under requirements for accurate reporting. 2. Charge-Off / Cancellation and Tax ConsequencesAs I explained previously, under IRS guidance and general reporting principles, a charged off account typically involves the issuance of a 1099-C when the debt is treated as canceled for tax purposes. You have indicated facts that reinforce the likelihood that such cancellation occurred ; therefore, continuing to report the account as if it is still outstanding and actively being collecteddespite cancellationraises serious accuracy and fairness concerns. 3. No Reporting Known or Reasonably Suspected Inaccuracies ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), entities that furnish information to a consumer reporting agency may not provide information they know or have reason to believe is inaccurate. I have already notified you of the inaccuracies. Your failure to correct them would constitute a direct violation of the FCRA. 4. Willful Noncompliance Liability ( 15 U.S.C. 1681n ) If you willfully fail to comply with FCRA requirements, you may be subject to civil liability, including punitive damages and costs related to enforcement of my rights.

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 2026-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: TX

Complaint narrative:
I'm writing to formally request that the collection account mentioned in your most recent email be validated. In accordance with my rights under 15 U.S.C. 1692g ( b ) of the Fair obligation Collection Practices Act ( FDCPA ), I ask that your office furnish comprehensive and verifiable proof attesting to the validity of this obligation. At the very least, this validation has to contain : The original creditor 's complete name and address, A thorough statement of the whole amount owing, including principle, interest, fees, and any additional charges, the original account number, a full payment history and evidence, such as a signed contract or other official papers, proving I am legally required to pay this obligation. You are legally obligated to stop all collection efforts and not report this account to any credit reporting agencies until such validation is received. This inquiry is meant to make sure the data you are reporting is correct, legal, and not the product of fraud, miscommunication, or error.

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 2026-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Here is what happened during a XXXX year timeframe of having XXXX services : My accounts were cancelled XX/XX/year>. The last payments were XX/XX/XXXX and XX/XX/XXXX. I sent a Cancellation email and copies of payments to their Cancellation/Disconnection acknowledgement email and XXXX refused to cancel both accounts! The reason for the cancellation of services was because I had a whole year of very very poor internet and phone service connections without wifi and internet connection. My pool operates from the wifi internet services and without connecting internet services, my pool doesn't operate properly, being that the pool connections were not connecting with the wifi signal for a year. It tool us a year of communicating with XXXX that wifi and internet for my tv, laptop and pool that operates by wifi has no secure connection. The pool chemicals costs were excessive of up to {$200.00} a month because of poor disconnecting wifi services preventing the pool equiptment from working. As a result of efforts to cancel, I paid for the month of XXXX on XXXX and XXXX for cell phone and internet and cancelled the services XX/XX/XXXX.. There are no remaining balances because I cancelled within the month payments were made, therefore, I am very unhappy with the inaccurate and derogatory mark on my credit file and asking XXXX to remove it immediately or pay back the money for the poor services I had to complain about, so very frequently on a weekly basis! Here are the amounts paid monthly ; {$70.00} for internet and {$52.00} for my mobile phone times XXXX months will be the amount I will report for reimbursement, along with harassing behavior from XXXX employee 's unethical business practices. I have communications from your staff that could cause XXXX to have to pay back ALL of the payments, as well as the damages caused from the needed chemicals to fight contaminated green pool water holding XXXX, caused by poor connecting wifi! This complaint will be turned over to the Attorney General 's Office and Consumer Affairs, if the derogatory mark isn't removed within XXXX hours! You have until XXXX on Friday XX/XX/XXXX to remove the mark from my credit to stop me from reporting a XXXX XXXX complain, as well! There is NO reason for the mark, being that XXXX services were so poor, however Paid in Full. I requested to be reimbursed for the days I overpaid from the remaining weeks from XXXX XXXX XXXX, 2026! I was told I would receive the overpayment, but instead I received a XXXX point reduction from a perfect credit score of XXXX. Now, my credit is grossly blemished and wrongfully!

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 2026-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: PA

Complaint narrative:
I am writing this letter explaining why I should not have to pay the balance of XXXX to XXXX at XXXX XXXX at XXXX XXXX XXXX # XXXX XXXX pa XXXX I started treatment XXXX XXXX and they stopped my services XXXX XXXX and was sent to XXXX XXXX XXXX for XXXX I did not finish my session

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased an already used XXXX gift card from XXXXXXXX XXXX and Citi Bank is refusing to credit my account. On XX/XX/year>, I purchased a {$50.00} XXXX gift card from my local XXXX 's. I gave the gift card to my daughter as a gift. When she tried to use the gift card on XX/XX/year>, the XXXX app told her the card had already been used. The card was unopened and undamaged. She opened the card herself and scratched the code off personally. She contacted XXXX that same day, and the company directed her to XXXX 's or the credit card company. I contacted Citi Bank the same day to dispute the charge. XXXX XXXX. While the company initially credited my account, it eventually reversed the decision on XX/XX/year>. I received a letter from Citi Bank on XX/XX/year> stating I could still dispute the charge and to send any documentation from the merchant. However, the deadline to do so had already passed as I had received the letter XX/XX/XXXX. Despite the fact that I was not given any time to respond, I still informed Citi Bank that I planned to dispute the charge further. XXXX. XXXX I contacted XXXX ( XXXXXXXX XXXX ) the same day and they informed me they would investigate. On XX/XX/year>, XXXX informed me they could not assist me. XXXXXXXX XXXX I then received XXXX letters from Citi Bank on XX/XX/XXXX. XXXX was dated XX/XX/XXXX and said I did not respond to them until after their requested response date. This assertion is false as I was not given any time to respond to the letter. The second letter, dated XX/XX/XXXX, informed me the investigation was complete and they could not help me. I contacted XXXX again, who similarly informed me they could not assist me. They informed me the card was used on XX/XX/XXXX by a person named XXXX. Neither I nor my daughter know a person named XXXX. Nor was the gift card used through my daughter 's account. I believe someone fraudulently used the gift card before we were able to. None of these XXXX companies are willing or able to assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: LAW OFFICE OF HALL AND ASSOCIATES
State: MS

Complaint narrative:
I initially contacted XXXX XXXX XXXX in XXXX, Tennessee, to request validation of the debt. After I mailed my written dispute, the company provided copies of the lease agreement, account ledger, and other supporting documents. I appreciate that they responded to my validation request. However, my complaint concerns what happened afterward. Once I decided I wanted to resolve the account, I contacted XXXX XXXX XXXX again and spoke with a representative named XXXX. During that conversation, I offered to settle the account for {$2000.00}. XXXX told me she would present my settlement offer to XXXX XXXX XXXX and contact me with their response. I never received a return call. Since then, I have repeatedly called XXXX XXXX XXXX and left multiple voicemails, but I have been unable to reach XXXX or receive any update regarding my settlement offer. Because I was not receiving any information, I contacted XXXX XXXX XXXX directly. They informed me that they had not received any settlement offer from XXXX XXXX XXXX. This has left me uncertain whether my offer was ever submitted. I am trying in good faith to resolve this account because it is preventing me from obtaining housing. I am requesting that XXXX XXXX XXXX provide a written update on my settlement offer, explain whether it was ever presented to XXXX XXXX XXXX, and work with me to resolve this account in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My XXXX was an authorized user on this account and paid the debt. Transunion refuse to ask creditor for information and refuse to allow me to dispute. This account is on my account as a collection and I dont owe this company anything.

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 2026-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: GA

Complaint narrative:
balance '' associated withInquirer : U.S. BANK. Therefore, I am formally requesting immediate validation of this entry. Please provide me with the following : All documentation related to this account, including any contract, agreement, or signed authorization bearing my signature. A detailed explanation of the permissible purpose under which this information was reported to ChexSystems. If you can not provide verifiable proof, including an original contract with my signature, this item must be immediately deleted from my consumer report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Additionally, I am fully prepared to escalate this matter. If you fail to comply within 30 days, I will take the following actions :

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 2026-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN

Complaint narrative:
XX/XX/year> Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Re : Formal Debt Validation Demand & Notice of No Contract To Whom It May Concern, I am writing in response to your attempts to collect an alleged debt. This letter is my formal request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). After reviewing your claim, I am stating clearly : There is no signed contract or agreement between us. If you claim I owe this debt, you must provide a copy of the original contract with my signature proving I agreed to it. I am requesting the following : XXXX. A signed contract or agreement bearing my signature. XXXX. A complete, itemized breakdown of the amount you claim. XXXX. Proof of assignment or ownership showing your legal right to collect the debt. XXXX. The name and address of the original creditor. Until proper validation is provided, you must cease all collection activity, including reporting or updating anything with the credit bureaus. If you can not provide a signed contract, you must delete this collection account from all credit bureaus within 5 days. Failure to validate the debt but continuing to collect or report it is a violation of the FDCPA. Please send all documentation to the address listed above.

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 2026-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I am the victim of a fraudulent check drawn on my Ally Spending Account. I reported the fraud immediately and cooperated with the investigation. More than one month later, Ally continues to restrict my account, preventing me from accessing my own funds or transferring my balance. Ally has not provided a meaningful explanation of why the restriction remains in place, what investigative steps remain, or when the restriction will be lifted. I am requesting that Ally either ( 1 ) remove the restriction immediately if there is no continuing need for it, or ( 2 ) provide a written explanation of the legal and contractual basis for the restriction, the status of the investigation, the expected completion date, and release any undisputed funds.

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 2026-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
* * Product/Service : * * Credit card * * Issue Type : * * Closing your account * * Sub-issue : * * Company closed your account * * Complaint Narrative : * * I am filing this complaint regarding Bank of America 's failure to honor a promised credit card sign-up bonus following the closure of my account. At the time I applied for the credit card, I was offered a sign-up bonus contingent on spending {$1000.00} within the first XXXX months of account opening. I fulfilled this spending requirement within the qualifying period as required by the terms of the offer. Subsequently, Bank of America closed my credit card account without prior notice or explanation. While I understand that a financial institution may close an account at its discretion, I was not provided any communication regarding the status of my earned rewards balance, nor was the promised sign-up bonus credited to my account at any point before or after the closure. I attempted to resolve this matter directly with Bank of America 's customer service and XXXX XXXX XXXX department but did not receive a satisfactory resolution within a reasonable timeframe, prompting this complaint.

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 2026-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I am filing a complaint regarding a collection account that appears on my credit report. Collection Account Information : * Creditor/Collector : I C SYSTEM * Balance : {$500.00} * Date Opened : XX/XX/year> * Status : Open * Remarks : Placed for Collection I am disputing the accuracy and validity of this account. I do not believe this account has been properly verified as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that I C SYSTEM and the credit reporting agencies provide : 1. Documentation proving I am legally responsible for this debt. 2. A copy of the original signed agreement or contract creating the obligation. 3. A complete payment history and accounting of the alleged balance. 4. Documentation showing that I C SYSTEM has legal authority to collect this debt. 5. The date of first delinquency and all records supporting the reporting of this account. If the company can not provide competent evidence verifying the debt, I request that this collection account be deleted from all consumer reporting agencies immediately. Please conduct a thorough investigation and ensure compliance with the Fair Credit Reporting Act. If the information can not be verified as accurate and complete, it must be removed from my credit reports.

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 2026-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: UT

Complaint narrative:
At the end of XXXX, I reported fraud on my US bank account, due to potential compromised password and user information. I had been scammed via XXXX and the fraud bled over into my US Bank account ( screen sharing scam ). US Bank support recommended that I close both checking and savings and open new ones. I did this and was smooth sailing until XXXX weeks later my work sent my direct deposit to my closed savings account, though I had already updated my deposit information with them. I contacted US bank and a rep told me she couldnt transfer money from the closed account directly to the new one, but she would send me a cashiers check with that money through the mail. A week went by and no cashiers check. My work contacted me and let me know that my direct deposit bounced back and we made a plan to send it to my new account. I called US bank again to be sure that there was no other money left in my closed account. Today I should have received that direct deposit in my new account but when I went to check my online banking, both my checking and savings accounts had completely disappeared. When I called, the first XXXX reps couldnt help me at all and the last guy could see that they were closed today but had no information as to why the accounts were closed. He said that I would be receiving a cashiers check in the mail and a letter would explain what happened. I did not authorize the closing of my accounts, had no warning, and no one could give me information as to what happened. * I have dates and documentation of phone calls 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 2026-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this formal regulatory complaint regarding a Macys credit card account ( issued by Citibank ), Account ending in # XXXX. Citibank is currently in violation of the Fair Credit Billing Act ( FCBA ) by sending a debt to collections that their own fraud department already formally cleared. While I originally opened this account, the physical card was subsequently stolen in the mail and used for unauthorized, fraudulent transactions. Citibank 's billing and customer service teams repeatedly failed to support me or secure the account, leading me to file an official report with the Police Department in XXXX XXXX on XX/XX/XXXX ( # XXXX ). I have definitive proof that these charges are fraudulent : On XX/XX/XXXX, the initial fraud occurred physically at XXXX XXXX in XXXX XXXX, TX, while flight itineraries prove I was in XXXX, WA. A second unauthorized attempt occurred while I was traveling between XXXX XXXX, XXXX, and New York. Following my police report, Citibank 's fraud division completed an investigation and officially ruled the dispute in my favor on XX/XX/XXXX, clearing me of all liability. However, Citibank failed to update its internal billing systems. They continued to apply interest and late fees and have now illegally transferred this voided balance to a third-party collection agency, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ). I am requesting CFPB intervention to force Citibank to fix this systemic administrative failure, recall the debt from collections, and clear my credit profile. Attached is the evidence.

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