vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am filing a formal complaint against Barclays Bank regarding the improper closure of my dispute appeal due to Barclays failure to properly process and log documents that were submitted on time. 
Barclays issued a letter dated XX/XX/year>, stating that I had 10 days to submit documentation to appeal a dispute decision. However, I did not receive this letter until XX/XX/year>, which significantly reduced the response window. 
To ensure compliance, I contacted Barclays on XX/XX/year>, to confirm whether I could still submit my appeal documents. I was advised by a Barclays representative that I could proceed with submitting the documentation. I faxed all requested appeal documents on XX/XX/year>, the same day. 
Despite this, Barclays closed my dispute without notice. When I contacted Barclays on XX/XX/year>, I was informed that the back office did not receive my faxed documents. However, the representative confirmed that my XX/XX/year> phone call was documented in Barclays system, demonstrating that I acted in good faith and within the permitted timeframe. 
Barclays internal failure to log or process submitted documents should not result in denial of a consumers right to appeal. I am requesting that the dispute be reopened immediately, my appeal reviewed without prejudice, and written confirmation provided regarding the current status of my case. 
This complaint is submitted due to concerns regarding improper dispute handling, lack of reasonable follow-up, and failure to protect consumer 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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MS

Complaint narrative:
XX/XX/year> my IRS refund I had been waiting on for over two yrs got direct deposited into my cash app account. I called and told them I needed to transfer it out. I contacted them several several several times on this matter they keep giving me the runaround. I have reached out to customer support emails I had called several times stayed on the phone for hours and hours with them to get the same results which is nothing and they still have my money and us to suspended account. I got to put a trace on my money through the IRS and it's in the account and I need your help to get my money back it is {$4100.00} cents I am enclosing all paperwork and the emails and cash app support

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, a fraudulent transaction was made at XXXX XXXX in XXXX, NY with my debit card ending in XXXX for the amount of {$5000.00} for bodywork on a XXXX. 

I filed a dispute claim with Wells Fargo ( # XXXX ) and it was denied, and they refuse to reopen the claim. They said the debit card was in my possession during the time of the transaction. My wallet was missing around that time, I don't own a XXXX, and I've never been to XXXX. I was in XXXX during the time of the transaction. 

They advised me that they are deducting the {$5000.00} from my account on XX/XX/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 monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Concord Servicing Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding improper and ongoing late fee charges assessed by XXXX XXXX and its loan servicing processor, Concord Servicing, on Loan Account # XXXX. 

In XX/XX/XXXX, I updated my payment method for automatic payments. Following this update, the companys system changed my automatic draft date from the XXXX of each month to the XXXX of each month without my authorization or notice. 

As a result of this internal system change, my account began reflecting payments as past due, and I have been charged a {$10.00} late fee each month since XX/XX/XXXX. 

At no time did I request or authorize a change in the payment draft date. The change appears to have been made by the companys system after I updated my payment method. I relied on the original automatic draft date of the XXXX of each month. The company is now holding me responsible for late fees caused by its own internal processing change. 

On XX/XX/XXXX, I received an email stating my account was 18 days past due and included {$10.00} in late or NSF charges. When I contacted the company, they refused to correct the issue or remove the improper fees. 

I believe this constitutes : Improper servicing practices Unfair billing Failure to provide proper notice of payment date changes Assessment of fees resulting from the companys own system modification I am requesting : Immediate removal of all late fees assessed since XX/XX/XXXX. 

Correction of my account status to reflect current standing. 

Written confirmation that the automatic payment date is restored to the XXXX of each month. 

Assurance that no negative credit reporting has occurred, or correction if it has.

Please investigate this matter and require the company to correct these improper charges. 

Sincerely, XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: PA

Complaint narrative:
Validation of Debt Request - PRINCEPARKER - XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.
2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company 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 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
They keep saying I didnt send stipulated judgment, both copies when I did even though. Even scanned the stipulated judgment signed and dated, sent it by email if they said the copies which they did in mail today and attached the scanned copy. 
They sent the stipulated judgment after the deadline to send it which was the XXXX and i got it the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
Complaint Statement : I am disputing an account reported by Credit Corp Solutions that is not mine. I only had one XXXX XXXX account. I have no contract, account, or relationship with this company. All they have is my original XXXX  XXXX account number, which is insufficient to verify ownership. 
I previously filed an FTC Identity Theft Report on XX/XX/year>XXXX  ( Report Number : XXXX ) after an unknown account appeared on my credit report. This new account appears to be a misattributed or fraudulent account, and Credit Corp Solutions has failed to provide lawful verification of the debt. 
Under FCRA 1681i, a furnisher must verify the account before reporting. I request that CFPB investigate this matter, require Credit Corp Solutions to verify ownership, assignment, balance, and Date of First Delinquency, and remove or correct this account immediately if verification can not be provided. 
Attached are screenshots of my credit report showing the disputed account. I request written confirmation of the investigation results and any actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/year>, I opened a bank account with Bank of America at the downtown XXXX XXXX branch on XXXX XXXX. I opened the account in person and provided multiple forms of identification, including a REAL ID and my retired military ID. 

I deposited {$600.00} in cash and worked directly with the acting branch manager, who helped set up my account. He and a coworker assisted me in logging into the Bank of America app and confirming my balance. They overnighted my new debit card, and I explained that it was my last day at that address. I received the card the next day, activated it, deposited additional funds, and used it while moving several hours away in a XXXX 

On the way to XXXX, Missouri, I attempted to use the card for gas, but the transaction was declined. When I called the bank, I was told my account had been closed because I had not provided identification or proof of identity and that I was supposed to visit a branch in person after opening the account in the app which is incorrect, as I opened the account in person with proper identification. 
Long story short, I was made to wait 120 days for a check to expire. I complied and worked with the branch manager at the Bank of America location on XXXX XXXX XXXX in XXXX, XXXX XXXX. They were able to reopen my account in time to receive my retirement pay for XXXX, after which I returned to my previous bank. However, Bank of America still owes me my full account balance. 
I had closed my other bank accounts before this occurred, creating a major financial hardship. For nearly a month, I was unable to access or move my funds. 
I have called and visited the XXXX XXXX XXXX branch in XXXX at least ten times attempting to recover my money. We waited for them to mail a second check via regular mail they refused to send it insured, tracked, or overnight. Another two months passed waiting for the second check, and now they say I must wait for a stop payment on that check. The market leader, XXXX XXXX, has been involved for over six months. 

More than a week ago, the branch manager told me I would not have to wait another 120 days, but that I would still need to wait because both the branch manager and market manager were on vacation.

Today, I am sitting in a Bank of America branch trying to resolve this issue. For the ninth month in a row, no one has been available to fix this situation. I have spent over 30 hours sitting in Bank of America lobbies this year trying to resolve it. I have an open account with the bank ; they can see they took the funds, yet they will not release them upon demand. 
I am a XXXX  retired veteran, and this should not happen to me or anyone who trusts Bank of America with their money. This has been a nightmare.

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXXs falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OK

Complaint narrative:
My identity has been stolen. I was adopted and my real information withheld. Accounts and identity stolen and Military and tribal benefits stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
the debt is {$750.00}. The company accepted the first of 12 payments on XX/XX/XXXX in the amount of {$62.00} check # XXXX. The company sent paperwork demanding I sign a judgment against me. I have since contacted the company multiple times on XX/XX/XXXX and XX/XX/XXXX to offer full payment in lieu of a judgement. the company refuses to call back or answer the phone. They have also locked me out of my online account with XXXX XXXX  XXXX to make the payment online. I am not sure what to do as it seems it would be unlawful to refuse full payment for the debt in order to collect higher fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Transworld Systems , Inc. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Transworld Systems , Inc owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ).

By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Transworld Systems , Inc to respond in full.

In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. 
Please respond to each item identified in the attached dispute letter in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
I am submitting this complaint because Total Visa continues to report inaccurate account balances and has improperly transferred fraudulent charges across multiple replacement accounts, despite documented fraud claims and a filed police report. 

In XX/XX/year>, I reported fraudulent charges on my Total Visa account. The account was closed as lost/stolen and a replacement account was issued. Since that time, multiple additional replacement accounts have been created. I have received additional cards that I did not request. 

Although Total Visa claims that fraudulent charges were credited, I have physical mailed statements showing that balances from prior accounts including charges connected to the fraudulent activity were transferred to newly issued accounts. This has resulted in ongoing balances being reported that should not exist. 

Specifically : Fraud was reported and documented.

A police report was filed. 
Statements show balance transfers from old compromised accounts to new account numbers. 
Additional replacement cards were issued without my authorization. 
The account continues to report a balance that I dispute as inaccurate. 
This reporting is negatively affecting my credit profile and financial livelihood. 

Total Visas response to my prior complaint states that fraudulent charges were credited ; however, the remaining balance reflects charges and fees that were applied during or after the fraud investigation process. I dispute the validity of these remaining balances and the transfer of balances between account numbers. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting : 1. A full and documented investigation of all balances transferred between accounts.

2. Written verification of how the current balance was calculated.

3. Immediate correction of any inaccurate balances.

4. Removal or correction of inaccurate reporting to all credit bureaus.

5. Documentation showing authorization for any replacement cards issued. 

I am attaching copies of statements showing balance transfers and documentation of my fraud report. 

I have documented and recorded all telephone communications with Total Visa representatives. During these calls, I was provided inconsistent and conflicting information regarding the status of fraudulent charges, balance transfers, and replacement cards. These recordings are available and can be provided upon request as evidence of the inconsistent representations made to me. 

This situation has caused financial harm and distress, and I am requesting prompt corrective action. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I had an issue with a card that they did not authorize a transaction previously. I got the new card in the mail and was trying to relink my subscriptions and I got caught up in a scam from XXXX. 

PNC bank is saying that it was a legitimate transaction from XXXX XXXX even when I live in the US. Yet the screen a lowes transaction. Some great security they have there at PNC! 

Anyway they mentioned that I will be receiving a letter in the mail stating that it was a legitimate transaction for over {$1500.00} and that it processed as normal. 

I know this was probably largely a mistake on my part but its kind of XXXX that there is nothing anyone can do especially from a multimillion dollar company like XXXX ( who by the way has no support help whatsoever ). My information had to have been leaked or hacked somehow on their end and they are not taking responsibility for it. 

I know this type of stuff happens daily but it was just for such a large amount of money that could be all it takes to entirely make or break someone and cause real effects on daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I was admitted to the XXXX  for sudden XXXX XXXX XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX. During XXXX, staff placed an XXXX  despite my warnings that I had not eaten and am XXXX  to XXXX, and I lost XXXX. I was XXXX XXXX XXXX XXXX but no XXXX or XXXX XXXX  were performed. 
After evaluation, the hospital attributed the episode to XXXX, and I believe my XXXX XXXX may have contributed. The charges for the visit appear inflated, duplicate, unnecessary, and excessive. I previously disputed this account with the original collector ( XXXX XXXX XXXX ), but the hospital and collector did not provide sufficient documentation to verify the charges. 
The account was then sold to a new collector ( XXXX XXXX XXXX / Aargon ), yet my disputes remain unresolved. I am requesting full validation of all charges, documentation of medical necessity, and proper application of insurance adjustments. I am also seeking a resolution or adjustment to reflect the actual services provided.

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