vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have already filed complaints with the FTC, XXXX XXXX XXXX and my State Attorney General regarding I.C. System 's failure to provide proper debt validation. I am an informed consumer, I know my rights under the FDCPA and FCRA, and I have retained records of my requests and phone calls where I repeatedly requested documentation. This account was reported as a collection for {$160.00} by I.C. System ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) without me ever receiving an initial notice before it was placed on my credit report. That alone raises serious concerns regarding compliance with federal law. Despite multiple requests, I.C. System has failed to provide proper validation and instead relies on generic collection reporting and invoices. An invoice is not debt validation. I dispute ever owing this debt and do not recognize this alleged XXXX XXXX XXXX XXXX account. If I.C. System claims this debt is mine, then they should have no problem providing the complete documentation required to support their reporting. Proper debt validation should include : A copy of the original signed agreement or contract Complete account statements and payment history Proof of ownership or assignment of the debt Documentation showing how the balance was calculated The date and address where the initial notice was mailed The name of the party who verified the debt Documentation establishing I.C. System 's legal authority to collect and report the debt I.C. System continues to report this account while failing to provide the documentation required to support its accuracy. Under the FCRA, FDCPA, and XXXX XXXX reporting requirements, information reported to consumer reporting agencies must be complete, accurate, and verifiable.

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 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XX/XX/XXXX. Notes an outstanding amount on Apple Card and had immediately repay back, but card was cancelled as well. On XXXX XX/XX/XXXX. Received an email from Goldman Sachs Bank USA indication they had transfer my GM rewards Visa card to XXXX although it is clear that I do not have any outstanding amount on this account. In XX/XX/XXXX, I checked on my Apple Card and found that Goldman Sachs Bank USA had sent my Apple Cars to XXXX even I had repaid the outstanding amount. While I had made an inquiry to XXXX, they informed me that both accounts are closed on their end. I had tried to use the official protocol to contact Goldman Sachs Bank Apple Card Agent but the conversation just end abruptly stating the case had been sent to XXXX while they failed to reconcile with their ex-customers if their records are correct, and as well impacted my chance to possible regain the Apple Card with the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : RESPA Notice of Error : Unjustified Late Fee Due to Bank Data-Entry Error and Weekend Due Date | FIFTH THIRD BANK LOAN # XXXX To Whom It May Concern, I am writing to formally dispute a late fee assessed to my mortgage account under the Real Estate Settlement Procedures Act ( RESPA ) Notice of Error guidelines. This fee is entirely unjustified due to federal billing rules regarding weekend due dates, compounded by an admitted data-entry error made by a Fifth Third Bank employee . The Timeline and Facts : 1. Weekend Due Date Law : My payment due date fell on Friday, XX/XX/XXXX. Because the subsequent days ( XX/XX/XXXX and XX/XX/XXXX ) fell on a weekend when the bank does not process manual payment transfers, under federal law ( Regulation Z ), a payment made on the next business day must be treated as timely. Therefore, making the payment on Monday, XX/XX/XXXX was legally on time. 2. Timely Payment Attempt & Confirmation : On Monday, XXXX XXXXthe very first business day following the weekendI called the bank 's automated system to pay. Because the system was down, I was routed to a live representative. I provided my banking information, and the representative explicitly confirmed the payment had successfully processed. She never stated the payment was late or would incur a fee. 3. Proactive Consumer Follow-Up vs. Bank Inaction : Fifth Third Bank never reached out to me regarding any issues with this transaction. Instead, over the next several days, I was the one who proactively called the bank multiple times out of concern that the funds had not yet left my account. During these calls, I explicitly stated that I was worried about a late fee. Representatives repeatedly told me, " Don't worry about it. You will not get a late fee charge, '' assuring me the system was just processing it. 4. Admitted Bank Typo and Forced Re-payment : When the payment finally failed completely, I called again and escalated the issue to a manager. The bank initially claimed they " didn't know what happened, '' but after auditing the call logs, a representative explicitly admitted to me that the first employee had incorrectly entered my routing number. Because of the bank 's data-entry typo, the original, confirmed transaction could never be processed. I was forced to provide my routing and account numbers all over again to remake the payment from scratchat which point the bank hit me with a late fee. Customer service department is penalizing me for a timeline delay caused entirely by their own staff. I initiated the payment on time on XX/XX/XXXX, followed up on multiple days to fix a problem I didn't cause, and had to manually reissue the payment due to an employee 's data-entry error. While the bank rightfully waived the " reversal fee '' because the mistake was their. refusing to waive the resulting late fee is unacceptable. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: NV

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 non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
My Square business account was hacked on XX/XX/year>. Once I learned the account was hacked, I called Square customer service and they transferred me to their account services team. I was told they would investigate the issue, but I didn't hear back, so after several days I called back. Again, I was transferred to the account services team and was told they had closed the account, but did not offer an update on the fraudulent activity, nor would they provide details on the transactions since XX/XX/XXXX. I was able to get back into my account by changing the email address and password. I could see multiple instant transfer out of the account, none of which were initiated by me or my son, who is an authorized staff member on the account ( As of XX/XX/XXXX ). I added my son as an authorized member after the hack to assist me with Square customer service. I have attached screenshots of the transactions, as well as a loan that was taken out on XX/XX/XXXX in the amount of {$310.00}. Again, not a single one of these transactions was initiated by me or my son ( Who was not added to the account until XX/XX/XXXX ). We have spoken with Square account services multiple times and they have offered no help. Each time we call we are starting over and have to provide the same information again and again. In fact, we have been provided two separate case numbers, but there has been no attempt to resolve the issue. My most recent call was today and I was told they would email an update in 48 hours, so they asked that I be on the lookout for an email Thursday. The two case numbers provided are : XXXX and XXXX. I even tried calling Block 's corporate office today, but there was a busy signal. To add insult to injury, their account services team has hung up on me twice in the last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
I am having serious problems with how Toyota Motor Credit Corporation is handling my auto loan and threatening repossession. I am behind on my car payments and Toyota is now demanding that I pay around XXXX within 4 days or they will repossess my vehicle. I explained that I am a lowincome gig worker and this car is how I earn money to pay them. I requested hardship assistance and a realistic payment plan, but they have repeatedly denied hardship and refused to set up any written payment arrangement. Instead, they just tell me to send whatever I can, but still threaten repossession. On XX/XX/year>, I called Toyota after being told I must pay XXXX in 4 days or face repossession. I asked what the minimum amount was that I needed to pay by their deadline to stop repossession and asked to speak with a supervisor. I was put on hold for more than 10 minutes waiting for a supervisor and then the call was disconnected with no resolution and no call back. I told them I can not pay XXXX in 4 days, but I can realistically pay about XXXX within that 4day period and then XXXX per week after that. I asked them to put a written payment plan in place that says if I make those payments, they will not repossess my car. They refused to offer any such plan and continue to threaten repossession anyway. I believe Toyotas servicing practices are unfair and abusive. They are refusing to provide a clear minimum reinstatement amount to stop repossession, refusing any written payment plan even when I am offering realistic payments, threatening repossession despite my goodfaith attempts to pay and communicate, and disconnecting calls when I ask to speak to a supervisor. I am asking the CFPB to require Toyota to clearly state the minimum amount and deadline to reinstate my loan and avoid repossession, to work with me on a reasonable written payment arrangement based on what I can realistically afford, and to review whether their repossession threats and refusal to work with me violate CFPB guidance on wrongful or illegal repossessions and unfair servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OR

Complaint narrative:
Cash app closed my acct when I filed disputes on unauthorized transactions from XXXX XXXX XXXX XXXX I told them they charged my acct continuously when Im unable to access them. They were in violation of Regulations 4 they did prevent some repeated unusual transactions but allowed more to go through. XXXX transactions to a gaming thats not allowed in my state.they denied my disputes and wont allow me to appeal I reached out to XXXX because I cant access them o line and they said since I disputed with cashapp they wont refund me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In XXXX and XXXX of XXXX I made several payments on my mortgage, totaling 7 payments. This was to pay my XXXX through XXXX mortgage payments. The website continued to accept my payments affording me the opportunity to make the next month 's payment. For example, when I paid XXXX, I waited a while and then was afforded the opportunity to pay XXXX, XXXX, XXXX, etc. At Newrez ' discretion with no authorization from me, they decided to move many of these payments to principal only payments. Keep in mind, I specifically chose for these to cover the monthly payment, I did not specify principal only, that is an option when paying online. I have been fighting a battle to get the remaining 2 payments moved to cover XXXX and XXXX. I have spent hours on the phone and in chat sessions, at least 9 tickets have been submitted and it has the reached the point of absurdity. I have been told about phantom policies about paying ahead greater than 90 days ( then why does the website continue to accept payments showing that it will go the monthly payment? ) and that I now need to submit a letter. When going to the site to submit the letter, the posted SLA is 30 days, I am not going to wait 30 days to get 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 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Two separate debt collectors XXXX XXXX XXXX and Midland Credit Management Inc are both reporting the same original XXXX XXXX XXXX credit card debt on my credit report simultaneously. XXXX XXXX is reporting a balance of {$930.00} ( opened XX/XX/year> ) and Midland Credit Management is reporting a balance of {$930.00} ( opened XX/XX/year> ). Both list XXXX XXXX XXXX XXXX. as the original creditor for the same account. A single debt can not legally be owed to two separate collectors at the same time. This constitutes duplicate tradeline reporting and a false representation of the amount I owe, in violation of the FDCPA and FCRA 15 U.S.C. 1681e ( b ). I have original XXXX XXXX XXXX statements confirming this is one account with one balance. I previously filed CFPB complaint # XXXX against XXXX XXXX XXXX which was closed without proper debt validation. The duplicate reporting was not addressed. I am requesting both accounts be investigated and that any account that can not be verified as a unique legally owned debt be deleted from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: OH

Complaint narrative:
Update to Previous Complaint : I want to clarify the facts of this situation following a very helpful meeting with the local branch manager today. In my initial report, some details were incorrect because I did not have full access to the original account since it had been closed. As a result, I made inaccurate inferences. What Happened ( Corrected Facts ) : My wife originally had {$5000.00} stolen from her account, and she went to the local branch to resolve it. The branch manager was incredibly thorough, researched the situation completely, and provided full clarity. They are actively working to resolve this issue. I should have gone to them first rather than filing a CFPB complaint. The local branch manager has been highly responsive and helpful, and they are currently working to correct these account errors. I am filing this update to ensure the resolution is fully documented and finalized correctly through official channels. I am submitting this to formally rescind my original 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 non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or around XXXX XX/XX/year>, my Wells Fargo debit card was stolen during a vehicle break-in. The stolen card was used without my authorization to create and fund accounts on XXXX and XXXX XXXX, resulting in over {$14000.00} in fraudulent charges. These were unauthorized debit card transactions on my Wells Fargo card. I reported the fraud to Wells Fargo and provided a police report documenting the theft, along with an FTC Identity Theft Affidavit. Wells Fargo initially confirmed that the transactions were fraudulent. An investigator even made a note on my account indicating they intended to credit the account. However, on XX/XX/year>, Wells Fargo formally denied my claim. Their stated reason was : Because they have found no evidence of fraud activities, no error against them because it was a transfer. They also referenced that XXXX said they found no fraudulent activity. This denial came despite clear evidence of unauthorized use, including a police report and FTC affidavit showing that my card and wallet were stolen. This appears to be a violation of Regulation E, as Wells Fargo failed to properly investigate and re-credit my account for unauthorized electronic fund transfers. They also failed to issue provisional credit within the required 10-business-day timeframe. I did not have the card, nor my ID documents in posession, it's a clear case of fraud. And ID theft.

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 2026-06-08 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
XXXX, XXXX Barclays XXXX contacted me regarding unauthorized purchases on my credit card. I received first a text about a {$550.00} charge and texted that I did not authorize this purchase. I then received a phone call regarding a {$220.00} and {$180.00} asking if these charges were valid. I stated they were not authorized by me and that I had my card in my possession. Barclay 's immediately canceled that card, issued another card but added the {$220.00} and {$180.00}. Numerous times I have phone their customer service and have been told that I was not responsible for those purchases. However these charges remain on my account and after many calls I was told that I needed to send a letter to fraud claims dept. On XX/XX/year> I sent a letter explaining everything. that happened since XXXX. XXXX. XX/XX/year> I received a call from customer account who said I would receive another call from Fraud Team soo. On XX/XX/year> a letter was posted to my account explaining that they believe these charges to " not fraudulent '' and that I am responsible. However there was no explanation as to how they arrived at their conclusion. XX/XX/year>. I sent another certified letter requesting their documentation as to how they arrived at their conclusion. I have spoken to so many people from Barclays and get a complete run around regarding this issue. I have documentation of this unbelievable experience and proof of where I was that day.

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 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westcreek Financial
State: TN

Complaint narrative:
I am submitting an additional update regarding my complaint. Following my previous complaint submissions, I received a voicemail from a XXXX XXXX representative identified as XXXX, who stated that XXXX XXXX was not liable for resolving the complaint. XXXX further stated that because I was allegedly calling on behalf of my sister, the vehicle owner would need to contact XXXX directly. However, I have repeatedly explained that I am also directly involved in this matter because I participated in the financing transaction that was used to pay for the repairs. The voicemail did not provide a repair determination, warranty determination, inspection plan, reimbursement offer, or any explanation regarding the vehicle 's current condition. The vehicle remains undrivable and continues to enter limp mode when attempts are made to operate it. I remain concerned that financing was obtained for repairs that did not restore the vehicle to an operable condition and that I have been unable to obtain a substantive response regarding the repair work itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation