vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> Re : Dispute of Alleged Debt XXXX  Request for Validation XXXX Whom It XXXX Concern, I am writing regarding the account referenced above. I formally dispute the validity of this alleged debt XXXX  request that you provide validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). This letter is not an acknowledgment that I owe the debt, nor is it a promise or agreement XXXX  pay. 

Because I dispute this alleged debt, I request that you provide competent evidence that I have a legal obligation XXXX  pay it. Please provide the following documentation : The name XXXX  address of the original creditor. 
The original account number and any account number currently associated with this alleged debt. 
The total amount claimed XXXX  be owed, including an itemized breakdown of the principal balance, interest, fees, XXXX  any other charges. 
Copies of any contracts, agreements, promissory notes, or documents bearing my signature that establish my legal responsibility for this alleged debt. 
Documentation showing your legal authority XXXX  collect this debt, including proof that the debt was assigned or sold XXXX  your agency. 
The date of the alleged default XXXX  the date of the last payment, if applicable. 
XXXX that all information being furnished XXXX  any consumer reporting agency is complete XXXX  accurate. 

Until you provide the requested validation, I dispute this alleged debt in its entirety. If you are unable XXXX  validate the debt, I request that you cease all collection activity related XXXX  this account XXXX  notify any consumer reporting agencies XXXX  which you have furnished information that the account should be deleted or corrected as appropriate. 

Please communicate with me regarding this matter in writing at the address listed above. 

Thank you for your prompt attention XXXX  this request. I look forward XXXX  your written response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> I received a message from XXXX XXXX from BMO through the CFPB portal dancing around the fact that I submitted documentation for verification of identity to open a checking account with the bank. 
In the letter I received, XXXX XXXX stated that the bank didn't receive all the requested documents. Why was there only a copy of my utility bill uploaded or submitted? I gave the banker at the local branch a copy of my ID, social security card and a utility bill ( proof of address ). The letter also stated to submit a lease. Why am I submitting a lease when the correspondence I received via email says for proof of address I can submit documentation SUCH AS, the email doesn't say submit every document listed. 
Again, I didn't only submit a utility bill. XXXX XXXX needs to be disciplined for her negligence. 
It seems like she didn't want my accounts to be opened and that's what happened. 
Did XXXX XXXX also speak to XXXX at the branch? It doesn't seem like it because he wouldn't have wasted his time even sending that frivolous response. 

Also, lets say I did have to submit all of the documentation listed- why did no one reach out? I'm calling it what it is- you all XXXX and XXXX people of " XXXX '' and then try to deny when called out. You handle people of " XXXX '' like we are XXXX and XXXX XXXX, exactly what XXXX did on XX/XX/year>. I did not only submit a utility bill to that XXXX and she knows it.

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 2026-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OK

Complaint narrative:
Billing/Collection and Service Issues Statement of the Problem : I am filing this complaint against XXXX regarding deceptive billing practices, a complete lack of upfront cost transparency, and failure to provide an acceptable standard of medical care. 
I was seen by XXXX XXXX XXXX for what was supposed to be simple XXXX medication management. Prior to my care, XXXX never disclosed what the cost of my treatment would be. I subsequently received a bill for {$640.00} for XXXX appointments. Not only is this insanely unaffordable, but the sessions were entirely unproductive, my concerns were not addressed, and the appointments did absolutely nothing for my condition I have made multiple attempts to resolve this directly with XXXX XXXX XXXX via email. I formally disputed the charges, explicitly stating that the financial obligations were never disclosed to me beforehand and that the standard of care was unacceptable. Instead of responding to my formal disputes regarding the lack of cost transparency and the unacceptable standard of care, XXXX sent this unverified balance to a third-party collection agency ( I.C. System ). I formally disputed the debt with the collection agency. Because the debt could not be validated, I.C. System closed the account and returned the debt directly to XXXX. XXXX is now back in possession of this disputed {$640.00} balance, yet they continue to ignore my written requests for a resolution Because of these dishonest, non-transparent business practices, I have terminated my relationship with XXXX. XXXX should not be blindsided by nearly {$650.00} in XXXX bills without their consent or knowledge

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 2026-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo contacted me by phone on XXXX XXXX XXXX XXXX  and again on XXXX XXXX XXXX XXXX regarding an account that is already under an active CFPB investigation. I did NOT give permission for phone contact. I prefer written communication only. These repeated calls and voicemails are unwanted, unauthorized, and harassing. Wells Fargo is ignoring my communication preference and attempting to contact me outside the CFPB portal. I am requesting CFPB intervention to stop all phone contact immediately. I have attached screenshots and voicemails as proof.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, an unauthorized XXXX payment of {$1100.00} was sent from my USAA checking account to a recipient listed as " XXXX '' at phone number XXXX XXXX. I did not authorize, initiate, or have any knowledge of this transaction. XXXX XXXX XXXX XXXX, who has shared access to my account ( he opened it when I was a XXXX ), alerted me to this transaction because his own USAA account was also hit with a fraudulent XXXX payment around the same time. 
I filed Dispute # XXXX with USAA. The dispute was denied on the basis that the IP address associated with the recipient was not flagged as unrecognized. This reasoning is flawed : the IP was " recognized '' only because the same unauthorized party conducted an identical fraudulent XXXX transaction from my account on XX/XX/XXXX ( Dispute # XXXX ). A repeat offender naturally produces a familiar IP. 
The evidence against this transaction being legitimate is substantial : XXXX. The recipient phone number ( XXXX ) does not exist. A search on XXXX returns XXXX results, and a XXXX search returns no legitimate person or business. A valid XXXX payment can not be sent to a nonexistent phone number by an authorized user. 
XXXX. I did not log into the USAA mobile app on XX/XX/XXXX, or XXXX, XXXX. I have devicelevel screenshots proving this. USAA requires use of the mobile app to send XXXX payments, so if I never opened the app, I could not have initiated this transaction. 
XXXX. USAA 's own XXXX activity log within the app shows no activity in the last XXXX days, meaning the system itself has no record of me sending this payment. 
XXXX. There is no recipient named " XXXX '' or either phone number in my XXXX contacts list. Every person I have legitimately sent XXXX payments to appears in this list. 
XXXX. I received no email confirmation for this transaction. Every other legitimate XXXX payment I have ever sent generated a confirmation email. 
XXXX. XXXX linked family accounts ( mine and my father 's ) were targeted with unauthorized XXXX payments at the same time, indicating a coordinated attack, not customer-initiated activity. 
I have submitted a detailed evidence document with screenshots and screen recordings to USAA. All supporting materials are available at : XXXX XXXX XXXX I am requesting that USAA reverse this unauthorized transaction and restore {$1100.00} to 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 monetary relief
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I am filing a formal complaint against Javitch Block LLC for an explicit, severe violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which strictly prohibits debt collectors from using false, deceptive, or misleading representations, including misrepresenting the legal status of any debt. [ 1 ] Account Details : * Original Creditor/Debt Buyer : XXXX XXXX XXXX XXXX XXXX * XXXX Agency/Law Firm : Javitch Block LLC * Alleged Balance : {$2000.00} * XXXX XXXX Account Number : [ Insert Account Number from Credit Report ] [ 1 ] The Violation : On XXXX, at approximately XXXX XXXX XXXX, I spoke with a representative from Javitch Block LLC regarding this account XXXX During this conversation, the representative explicitly and repeatedly stated that Javitch Block had already filed a formal lawsuit against me this past XXXX. The representative used this asserted lawsuit as leverage to demand an immediate payout of {$1700.00}, which I refused. 
Following the call, I conducted a thorough public records search of my local Municipal Court docket ( which holds sole jurisdiction over a civil balance of this size in Ohio ). There is absolutely zero record of any lawsuit, case number, or filing against me by Javitch Block LLC or XXXX XXXX XXXX XXXX XXXX. The lawsuit does not exist. 
Evidence Logged : Pursuant to Ohio Revised Code XXXX ( Ohio 's one-party consent wiretapping statute ), I legally recorded this entire phone conversation. I possess irrefutable, time-stamped audio evidence of the representative fabricating an active lawsuit to induce panic and force a payment. I have attached a screenshot of this secure audio recording file to this complaint showing the file date, time, and metadata. I am fully prepared to hand the raw audio over to federal investigators or a consumer rights attorney. [ 1 ] Because Javitch Block LLC chose to fabricate a legal filing, they have completely forfeited their credibility and violated federal 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 2026-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I ACKNOWLEDGE THAT THIS ACCOUNT BELONGS TO ME AND THAT I HAVE MADE MY PAYMENTS ON TIME ; HOWEVER, THE LATE PAYMENT REMARKS BEING REPORTED ARE INACCURATE. I HAVE BEEN DISPUTING THIS FOR MONTHS, AND ITS CONTINUED REPORTING IS CAUSING ME SIGNIFICANT STRESS. I AM FORMALLY REQUESTING A THOROUGH REVIEW AND CORRECTION OF THESE ERRONEOUS LATE PAYMENT NOTATIONS. IF THESE REMARKS CAN NOT BE VERIFIED WITH ACCURATE AND COMPLETE PAYMENT RECORDS, THE REMARKS MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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