vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
We have several complaints, under complaint XXXX you requesting more information. I have attached it to this complaint because there is no way of downloading to the complaint you are requesting more information on. I have many complaints THE COMPANY DOES NOT ANSWER THE QUESTIONS THAT I AM LEGALLY ENTITLED TO.

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 2026-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Last year in early 2025 I spoke to XXXX XXXXl billing department to request an itemized statement with VPT and ICD 10 codes billed specifically and dispute the bill they sent me from XXXX XXXX with not explain of charges. I went to ER years before that and during my phone conversation we went over some of the codes billed. I explained that that some of the CPT codes billed services were not performed and I requested to speak to a manager. The billing rep said someone would call me. I never received an itemized statement and no one ever contacted me, then I was transferred to collections without even being notified that it was being transferred. Every time I call XXXX XXXX to talk to billing manager, they transfer me around. They have really violated many regulations by charging for services not performed and violated my right to receive an itemized statement of charges. I am requesting that this be removed from my Experian, Equifax, and TransUnion reports. I have tried to file disputes with all 3 bureaus and Aargon Agency still reports without me even being notified by XXXX XXXX. If XXXX XXXX charged it off for a tax deduction, I will need the 1099 C to pursue further. My information was sold to a third party collection agency Argon Agency by XXXX XXXX without my knowledge!!! Please investigate and have them removed this from all credit agencies and any past history too. I am filing a complaint for damages to my credit and reputation due to XXXX XXXX negligence to gorge and inflate hospital charges. I was also going through hardship at the time of the date of service and never offered any resources to approve for a hardship reduction or notification before settling my account and information.

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 2026-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not request or authorize these entries. Kindly investigate and correct them. Supporting documents are included.

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 2026-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I have not supplied proof under the XXXX of XXXX XXXX XXXX, XXXX v. XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, you are required to investigate this dispute within 30 days of receiving this letter. If the information can not be verified, it must be promptly deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Fraudulent charges were made on my debit card associated with my checking and savings account on XX/XX/year> Seven fraudulent transactions were made under my debt card totaling {$11000.00}. Additionally, a fraudulent phone transfer of funds were committed from my savings account to my checking account. These fraudulent transactions were made on the XXXX auction site were discovered by me, the card holder, on XX/XX/year>. The checking and savings account and debit card were immediately closed with the help of a Wells Fargo representative by phone. A claim was started on the same day, XX/XX/year>. After several attempts to get Wells Fargo to reimburse the fraudulent amount they have officially denied our requests for reimbursement and have closed the claim in a letter dated XX/XX/year> ( see attachments ). Wells Fargo came to this conclusion without any customer input or evidence to support their denial. Please see the attached supporting documents. 1. Final appeals letter sent to Wells Fargo via email. 2. My last XXXX purchases in XX/XX/year> on my XXXX account, 3 months prior to the fraudulent charges on my debit card but not associated with my account ( 2 pages ). 3. Bank statement showing the time and date of the fraudulent charges. 4. Wells Fargo claim refusal letter dated XX/XX/year>.

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 2026-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
XXXX billed me for wireless service that was not usable. I called XXXX to cancel and resolve the problem on XXXX XXXX, 2024 and XX/XX/year>2024, and each call lasted about XXXX XXXX XXXX later sent a bill stating all lines were disconnected, but still claimed a balance. I had to use other carriers, including XXXX and XXXX XXXX, because XXXX service was not usable. I disputed the charge with XXXX and later with the collection company. I requested proof of the debt, itemized charges, proof of usable service, call/cancellation records, and deletion of negative credit reporting. They did not provide the requested proof. XXXX later offered to settle the disputed balance for less than the full amount, but said it would be reported as paid for less than full balance, which would still damage my credit. This disputed collection has hurt my credit score, caused stress, and required many hours of calls, emails, and complaints. I request investigation, {$0.00} balance correction, recall from collection, deletion of all negative credit reporting, written confirmation, and compensation for my time and credit damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services ( CCS Reference # XXXX ) is attempting to collect a fraudulent debt stemming from a gross breach of contract by XXXX XXXX XXXX. XXXX failed to dispatch police during a break-in and compromised my domestic safety by leaking account access to my stalker. CCS sent me a highly suspicious text message demanding I download a PDF file, which mimics phishing scam tactics. I am demanding a total closure of this collection file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I obtained a " new '' loan from Credit Acceptance XXXX in XXXX of XXXX. In XXXX of last year, with the first payment, Credit Acceptance sent me a notification that my autopay had failed and I needed to pay " immediately '' to avoid late fees. At this time, I went on to their website, and immediately paid the bill. A few hours later, they processed the autopay payment. I called immediately, and at this time Credit Acceptance REFUSED to issue a refund of the money owed to me. I informed them I would be going to my bank and disputing one of the charges, as well as applying to refinance the loan. The representative informed me that was well within my rights to do so. I won the dispute, and was able to refinance my vehicle. My financial institution paid credit acceptance the amount they were quoted, and according to my bank, they sent the title to my bank. ( My bank has sent me a copy of this, with them being updated as the lien holder. ) Several months later, I started getting bills in the mail for an " unpaid amount '' of {$100.00}. I received another bill in the mail today, AFTER me asking in writing that they stop contacting me by mail. I called, and the manager I spoke to ( XXXX ) reports that she will be placing a lien back on my vehicle for the money owed. ADDITIONALLY, they sent me a check prior to me getting another bill for an " overage paid ''.

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 2026-06-30 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: FL

Complaint narrative:
XXXXam filing this complaint because Barclays is actively violating my rights under the Fair Credit Billing Act (FCBA) on my credit card ending in XXXX. I sent a formal written fraud dispute via Certified Mail on XXXX XXXX XXXX, which Barclays successfully received under tracking number XXXX XXXX XXXX XXXX XXXX XXXXInstead of pausing collections during the investigation, Barclays is treating the disputed fraud balance of XXXX as "past due." On XXXX XXXX XXXX I called customer service, and a Collections Manager explicitly stated he would continue collection actions on this fraud balance, which is a direct violation of federal law. Furthermore, because of this disputed balance, Barclays has officially DENIED my request for a replacement credit card and is threatening to block my upcoming card renewal, completely locking me out of my account. During my calls on XXXX XXXX XXXX I spoke to multiple representatives who refused to confirm receipt of my certified mail or give me information, routing me in circlesXXXX XXXX XXXX XXXX refused to confirm receipt of my certified letterXXXX XXXX XXXX XXXX XXXX refused to help and transferred meXXXX XXXX XXXX XXXX XXXX refused to help and transferred meXXXX XXXX XXXX refused to provide a reference number.XXXX XXXX XXXX XXXX (Manager) refused to provide his ID number and refused to help. I require the immediate removal of the delinquency status on the fraud balance, a stop to all collection actions, and the immediate shipping of my replacement credit card.ADDENDUM: WILLFUL OBSTRUCTION OF DISPUTE INFORMATIONI am uploading a screenshot of a live chat interaction where Barclays representatives officially denied my request to access my own account details for my canceled credit card.By withholding my historical account details and statements, Barclays is willfully obstructing my ability to fully catalog my fraud timeline. This is a direct violation of my consumer rights under the Fair Credit Billing Act, which requires creditors to provide clear access to billing dispute data. I demand that the Office of the President immediately restore my data access and overnight my replacement card.'

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 2026-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: HI

Complaint narrative:
Radius Global Solutions is trying to collect {$540.00} it claims I owe XXXX XXXX XXXX for wireless service. I dispute the entire amount as an inflated, incorrect balance. It stems from XXXX XXXX XXXX 's failure to honor a written offer of XXXX lines for $ XXXX with " NO CONTRACT COMMITMENT. '' XXXX XXXX XXXX instead billed me {$90.00} to {$200.00} per month for XXXX months ( about XXXX times the agreed price ) and never applied the bring-your-own-device ( BYOD ) port-in bill credit the {$50.00} price depended on. On XX/XX/XXXX, an XXXX XXXX XXXX representative acknowledged in writing " the overcharge you incurred, '' confirmed the quoted price " is {$65.00}, '' and promised to adjust it " from the first billing onwards '' but XXXX XXXX XXXX applied only partial credits and then stopped responding. Because I could never reach anyone at XXXX XXXX XXXX who would correctly credit or refund what I was owed, I closed the account myself ; XXXX XXXX XXXX then sent this disputed balance to Radius for collection. On XX/XX/XXXX, I sent Radius a written dispute and debt-validation request under the Fair Debt Collection Practices Act. Radius has not validated the debt. I am asking that this collection be recalled and cancelled, and that nothing be reported to the credit bureaus as a valid or undisputed debt. I have full documentation : the written $ XXXX offer, XXXX XXXX XXXX XXXX own quote , the representative 's written admission of the overcharge, my card statements, and the Radius collection notice.

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 2026-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to dispute an unauthorized inquiry on my credit report. I never authorized, requested, or consented to this credit pull and have no relationship with the company responsible. This is a clear violation of my rights under the FCRA. I demand an immediate investigation and permanent removal of this inaccurate inquiry.

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 2026-06-30 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:
The financial documentation maintained within my account reveals gaps in reporting and documentation that affect its integrity. .

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 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
My father passed away on XXXX XX/XX/year>. He and I jointly owned a checking and savings account at XXXX XXXX XXXX. After he passed away, XXXX XXXX XXXX denied several payments to USAA. As a result of this, USAA charged finance charges/late fees on my credit card. I requested to have a charge of {$16.00} from XXXX XXXX waived. It was waived on XXXX XXXX. The USAA agent with whom I spoke told me I could have up to three fees waived per year. I incurred a second charge of {$22.00} on XXXX XXXX. I request to have this charge waived. I called USAA to have this fee waived and was told that I could only have one fee waived. After I explained that this fee was the result of an electronic funds error between XXXX XXXX XXXX and USAA ( that I authorized USAA to withdraw the money from the account before the deadline date, my account had sufficient money to pay the bill, and USAA had the correct routing and account numbers ), the agent told me that the computer system would allow only one fee waiver per year regardless of the cause. The USAA agent stated that I can call back in one year and request to have the fee waived. I contacted USAA multiple times and spoke with customer service representatives and supervisors at many levels and was always told the same thing, no one can waive the fees regardless of the reason because the computer system will not allow it and no one can override the computer. In addition to communicating with representatives from USAA, I also spoke with representatives from XXXX XXXX XXXX on the telephone and in person. The XXXX XXXX stated that they did not know for sure why XXXX XXXX XXXX denied the payments to USAA then approved them later. They were not sure why my USAA insurance payment was approved but the credit card payment was not approved. Later, when I spoke with a representative in person, he explained that it was because my fathers name was on the account. He removed my fathers name from the account which seems to have resolved the electronic funds transfer problem.

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 2026-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been the victim of a predatory loan practice that Regions Bank and a subsidiary, EnerBank, were a party to. On XX/XX/year>, XXXX XXXX XXXX XXXX Ageint Security provided misleading information and encouraged me to go into a contract with them. The contract stated that if I, a first responder, were to take out a loan in my name for the amount of {$24000.00} and post on social media two times a month for five years, that at the end of the five years, XXXX XXXX would cover the loan in full. I have upheld the obligations of my contract for 4 years and 8 months and now that my contract is near completion, XXXX XXXX has informed me that they are suspending the payments on my loan and filing chapter 11 bankruptcy. I believe there are clear facts that indicate that Regions Bank XXXX EnerBank were complicit in the predatory loan practices that XXXX XXXX was carrying out for the financial institutions. XXXX XXXX made me provide them with my online login information and they paid the payments directly to Regions Bank XXXX EnerBank. XXXX XXXX made first responders, teachers, and veterans like myself recruit other first responders, teachers, and veterans every month to continue this predatory loan practice. This kept a revolving door of customers for Regions Bank / EnerBank from XXXX XXXX for years. Also, XXXX XXXX did not pay the agreed upon amount toward my loan every month and allowed for Regions Bank / EnerBank to continue to benefit by letting the loan accrue high interest costs.

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 2026-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Im an XXXX in XXXX XXXX. Recently while struggling to keep current on my mortgage, I noticed several behind the back late fee payments of egregious amounts. Newrez is already collecting a larger than normal servicing fee on my account and the amounts that they have charged on NSF and late fees are over XXXX dollars. Furthermore the firm maintains an extremely strict, intolerant, and financially deleterious policy of only one late fee dispute per year in a time where gas prices are at an all time high, I have a family, my hourly rate as an XXXX is XXXX dollars and my interest rate has been locked at a lofty XXXX without help. On top of it New Rez has several times tried to charge over XXXX to close a refinance during several cry for helps in the last year. My requests to address the problem of NSF high mtge rates and late fee gouging have been shrugged off. Meanwhile the opportunity cost of the unauthorized money they have basically stolen couldve been used to invest productively for my pet or family. Banking transparency and honesty and kindness has been way thrown out the window. XXXX stole and hid money from my XXXX ancestors long ago. I hate to be blunt but this feels like a double dirty deed from long ago coming back to smack me in the face. What can we do to correct this? Why cant we have a more honest, truthful, and kind banking system for my generation and my kids? When I worked on XXXX XXXX I never stole from clients, I was honest and cared about the money, processes, and fairness of institutions and people I worked for. CFPB please step up. I XXXX XXXX at XXXX and cant even begin to comprehend the financial reporting on their website either. Working through this has been like XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation