vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I made a manual payment on my Barclays credit card account, which posted on XX/XX/XXXX. The payment was later returned for internal authorization reasons not related to insufficient funds. No debit ever occurred from my bank account. After the return, Barclays removed and blocked all payment methods and refused to restore access, stating the process would take weeks and exceed the billing deadline. This was after a previous duplicate payment on XX/XX/XXXX was disputed with my bank and returned after I successfully made my minimum payment on XX/XX/XXXX. This was on a different bank account that Barclays also removed and blocked. As a result, this XXXX payment was made impossible by the creditor despite my ability and intent to pay. Any delinquency or credit harm resulted from Barclays actions, not refusal or inability to pay.

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 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC

Complaint narrative:
My Name is XXXX XXXX XXXX I have a loan with shellpoint loan # XXXX!!! I being trying to fix a legal description issue because I own XXXX properties in liberal Ks XXXX and somehow legal description went from XXXX property to another!!! Send XXXX pages on email to explain and provide all the information to cure the problem, being calling at least twice a week for the past 6 months with NO solution.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

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 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC.
State: PA

Complaint narrative:
My name is XXXX XXXX I need assistance with Account XXXX. XXXX I need XXXX XXXX to emailed me about with updates I cant get ahold of her by emails no response from her and her email is XXXX I need to know when will my refund be processed and how much will I get back and have her email me at XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I dont understand where my XXXX was taking out of my savings account when I was in the hospital in seeking legal assistance there was XXXX missing from my 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 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
On Tuesday XX/XX/2026, I contacted the mortgage company in order to arrange to pay off the mortgage. 

The mortgage is paid through XXXX, I asked that the XXXX payment be reallocated to the principle on the loan. I was told that this would be done, but would need two business days to be completed. Then, they could give me an updated payoff amount I called back on Thursday, XXXX, and was told that the payment had not been moved. They gave me a higher payoff amount, which did not include reducing this amount by applying the XXXX payment to principle. In essence, whoever I spoke to on Tuesday lied to me. 

I was told that now it would take 5 business days in order for these funds to be moved. At that point, I would be able to get a payoff.

The company is clearing dragging their feet in order to get every last XXXX out of this loan. I was asked if I wanted to

refinance three times. Nope. I was asked if I wanted to consider other options for payments. Nope. I just want to pay it off NOW, and be done with the company. I have spent over 30 minutes on hold today, waiting for this to be resolved. Nothing has been done. This company is ethically bankrupt, and works to have their employees behave in the same manner

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
On XX/XX/26, I received a letter from XXXX XXXX XXXX saying that I had four outstanding checks to Telecheck, getting to XXXX on 3 on XXXX XXXX and one on XXXX XXXX, all for varying amounts. They have my name, address, phone number, and email on them, but they are not my checking account and routing number. It is fraud, and I was told to report fraud to the FTC, but the FTC referred me to you.

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 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : AMEX - XXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-01-22 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:
United Revenue Corp is reporting a collection account on my consumer credit report in the amount of {$950.00} without ever providing me with a written notice of the debt prior to reporting. This is a direct violation of FDCPA 15 U.S.C. 1692g ( a ), which requires a debt collector to send written notice of the debt within five days of initial communication. I have requested debt validation and verification multiple times, yet United Revenue Corp has failed to provide any documentation proving the legal existence of the debt, their authority to collect, or the accuracy of the balance. Despite this failure, they continue to furnish this account to the credit bureaus, violating FCRA 15 U.S.C. 1681s-2 ( b ) by reporting unverified and inaccurate information after notice of dispute. Additionally, their reporting does not comply with Metro 2 guidelines, which require furnishers to report complete, accurate, and verifiable data. Reporting a debt that can not be substantiated constitutes deceptive and misleading collection practices under FDCPA 1692e and unfair practices under FDCPA 1692f.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: DISCOVER BANK
State: FL

Complaint narrative:
I am a victim of identity theft involving my Discover Bank checking account, and Discover has improperly denied reimbursement for two fraudulent transactions, despite clear evidence that I did not authorize them. 

On XX/XX/year>, my phone and personal information were compromised. A third party gained unauthorized access to my accounts and used my information without my consent. I discovered multiple fraudulent transactions on my Discover Bank checking account. 

I immediately reported the unauthorized transactions to Discover. I also filed a police report ( Report # XXXX ) and completed an FTC Identity Theft Report through XXXX. Both documents confirm that I am a victim of identity theft. 

Despite providing Discover with all documentation, proof of fraud, and timely notice, Discover denied reimbursement on two of the fraudulent transactions, claiming they were valid. These transactions were not authorized by me, were not initiated by me, and occurred while my device and personal data were compromised.

Discovers denial violates my consumer protections under Regulation E ( 12 CFR 1005 ), which requires financial institutions to refund unauthorized electronic fund transfers when the consumer reports them promptly and did not contribute to the fraud. 

I am requesting CFPB assistance because Discover Bank has failed to properly investigate, resolve, and reimburse the fraudulent transactions in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a Truist Simple Business Checking account online on XX/XX/year>. The account was unexpectedly and unilaterally closed by the bank around XX/XX/year>, without any clear explanation provided to me. 

At the time, I had recently changed my residence due to family circumstances. After the account closure, I contacted Truist multiple times throughout XXXX to update my mailing address and to request that the remaining balance ( approximately {$550.00} ) be sent to my current address by check. 

During several phone calls, Truist representatives confirmed that my address had been updated and assured me that the check would be mailed correctly. 

However, on XX/XX/year>, another representative informed me that my address had not been properly updated and that the check had already been mailed to my former address, to which I currently do not have access.

As a result, I have been unable to receive my funds. I have repeatedly attempted to resolve this issue by phone. The bank has advised me to visit a branch in person, which I am currently unable to do due to health-related reasons.

Despite my efforts, Truist has failed to properly update my information and has not ensured the delivery of my funds. My personal funds remain inaccessible due to the banks administrative errors.

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 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this urgent complaint regarding repeated, aggressive, and unlawful collection practices by JPMCB and XXXX XXXX XXXX ( XXXX  ). Despite a prior CFPB complaint, JPMCB continues to : 1. Harass me with multiple daily phone calls, often from different numbers.

2. Sell a 4-year-old alleged debt to XXXX  without proper verification, notice, or documentation. 
3. Allow this 4-year-old account to remain inaccurately on my credit report, negatively impacting my credit score. 
4. Fail to provide a 1099-C form, leaving me without required tax documentation despite potential debt forgiveness or discharge.

Legal Violations : Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) : Prohibits harassment ( 15 U.S.C. 1692d ) and attempting to collect debts without verification after a dispute ( 15 U.S.C. 1692g ). JPMCB and XXXX are in clear violation.

Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) : Requires that only accurate, verifiable information appear on credit reports. Maintaining a 4-year-old account on my credit report after dispute constitutes a violation. 
New Jersey Collection Agency Act ( N.J. Stat. 45:17A-4 et seq. ) : Prohibits abusive and harassing collection practices, including repeated phone calls and improper debt transfers.

Tax Reporting Obligation ( IRS 1099-C ) : JPMCBs failure to provide a 1099-C prevents me from reporting potential canceled debt correctly, raising tax compliance concerns. 
Statute of Limitations Concern ( NJ ) : This 4-year-old account may be outside the NJ statute of limitations for debt collection, further highlighting the illegality of continued collection attempts.

Demand for Immediate Action : I demand that JPMCB and XXXX immediately : 1. Cease all harassing phone calls and contact attempts.

2. Verify the alleged debt in writing ; if verification can not be provided, collection must stop immediately.

3. Delete the 4-year-old account from all credit reporting agencies due to inaccurate reporting.

4. Provide a 1099-C form if the debt was forgiven or discharged, or confirm in writing that none is required.

5. Comply fully with federal and New Jersey laws, including FDCPA, FCRA, NJ Collection Agency Act, and IRS obligations.

Failure to comply may constitute additional violations of federal and state law, and I will pursue legal remedies, including potential claims for harassment, credit reporting violations, and improper debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CT

Complaint narrative:
Recieved a letter from a debt collector this is not my account nor do i accept this from a party not signed or had a contract with

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK
State: OK

Complaint narrative:
The loan company sent the bill only the XXXX. It was taken out of my account on the XXXX and again on the XXXX. I have attached the loan company payment date as well as the banks statement that shows it came out twice

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 2026-01-22 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am disputing an unauthorized credit card transaction for {$590.00}, posted XX/XX/year>, merchant listed as XXXX. I did not make or authorize this purchase. 

Wells Fargo denied my fraud dispute solely because the transaction was labeled as a chip read. A chip read does not establish cardholder authorization under Regulation Z, particularly when the merchant can not be identified. 

Wells Fargo has been unable to provide : A merchant address A merchant phone number Any proof of a legitimate business Any receipt or transaction documentation The only information provided was that the transaction occurred somewhere in North Carolina ZIP code XXXXXXXX which is insufficient to identify the merchant. 

I have never heard of this merchant, can not find any legitimate business information online, and Wells Fargo itself can not verify the merchants identity. On the date and time of the transaction, I was physically at work in XXXX, NC, and did not have possession of my card. 

Despite this, Wells Fargo upheld the charge without a reasonable investigation and relied entirely on XXXX chip read data, which does not prove authorization and does not meet the banks obligation to investigate unauthorized use. 

I am requesting that Wells Fargo : Reopen and properly investigate this dispute Provide documentation used to determine authorization Reverse the unauthorized charge I believe Wells Fargo has failed to comply with its obligations under the Fair Credit Billing Act ( Regulation Z ).

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 2026-01-22 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: Chime Financial Inc
State: GA

Complaint narrative:
XXXX XXXX, withdrew XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year>XXXX This happened on my CHIME checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, my credit score is not populating. Please update my account with the address listed.

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 2026-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I used my Current debit card for a car rental reservation with XXXX. A pre-authorization hold was placed on my account. However, the transaction was never finalized. XXXX voided the authorization on XX/XX/scrub>XXXX XXXX and confirmed in writing that they did not process a final charge and no settlement was submitted. 

Despite this, Current Bank continues to show the authorization as pending and refuses to release the held funds. I contacted Current multiple times and requested the hold be manually released, providing proof that the merchant voided the transaction. However, they repeatedly responded with automated replies citing a 31-day policy, even though XXXX and XXXX rules clearly state that voided transactions can and should be released immediately by the issuing bank. 

I requested escalation to a human agent or dispute department and was ignored. I also requested clarification on why the system still labels a voided transaction as pending with no intent to settle this was not answered. 

This is a violation of Regulation XXXX and standard card network processing rules. Funds being held for a canceled transaction, despite proof of void, constitutes improper delay and abuse of consumer access to funds.

Company response to consumer: Closed with explanation