vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
My AAdvantage Card through Barclays Bank has been used for 2 years without issue. I received a notification upon trying to log in to check my transaction history and pay my bill, which said to contact them for access. No big deal. Now they are asking for all these documents to verify my identity which will take me a long time to produce ( social security card ) and to mail them in, which i specified I am uncomfortable with. They also want me to mail my payment in, but wont provide me with the transaction history for verification. ( Which I used to get online ) I have always done everything through my app and my linked bank accounts. Now they wont provide me with any of my previous information, and they just want me to send the amount they are asking for through the mail. The card is interest charging, so I told them I want to pay it off today, because when I mail it interest will accrue. They did not accept my payoff, payment, or provide me with any of my transaction history for verifying what I'm paying for. All they kept saying is to mail it. They provided no additional options to open my account to verify my charges.

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened the following business checking account offer with Capital One in XX/XX/year>. Capital One is offering a bonus of up to {$1000.00} when you open a new business checking account with promo code XXXX. There are two tiers : Earn {$500.00} with at least a {$5000.00} balance Earn {$1000.00} with at least a {$30000.00} balance. Maintain the minimum required end of day balance for at least XXXX days during the first XXXX days of account opening Make XXXX qualifying electronic transactions within XXXX days of account opening. Qualifying transactions include electronic wire, electronic ACH, and remote check deposit. I did everything I needed to do for this bonus. Deposited the {$30000.00} and did the XXXX qualifying transactions and I got the attached letter in the mail saying I needed to call this phone number and provide them with information. The letter looked very suspicious so I called the business checking account customer service number and asked them if this letter was legitimate and they said they were not aware what this letter was and saw no flags on my account and to disregard the letter so I threw it out. I then find out about a week later that my account was closed. I called in for this and XXXX said he would file an escalation for me because I did all the requirements and the account was only closed because I received bad information from XXXX of your representatives. I then spoke with XXXX, employee ID XXXX, who said she was going to file an additional exception/escalation for me to get this {$1000.00} because I did everything right and even called in to confirm whether the letter was legitimate or not. I should receive the {$1000.00} bonus either mailed to me or deposited into the new Capital One checking account that I just opened, ending in XXXX. I did everything I needed to do to receive the {$1000.00} bonus and even called in to confirm whether the letter I received was fraud. The representative gave me incorrect information about the letter so I disregarded it and my account was closed 3 days before I would have met all the requirements for the bonus. Every time I call in to a speak with a supervisor they say they are going to resolve this by a certain date, including Case XXXX, with XXXX XXXX, they say I will have a resolution by a certain date but the date keeps flying by and they are just stalling and playing games with me and I have had it with this. I am entitled to this {$1000.00} bonus because I did everything I needed to in order to be eligible for this bonus and my account was just closed due to misinformation from the representative I spoke with at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: NH

Complaint narrative:
I signed up for a new credit card and I got it. I used it for about a year and I was getting more fees than I was paying for the balance. Minimum payments were basically fees. I tried to make a payment with my new debit card but they dont have any other option for payment options so XXXX cant pay the bill

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
Dear CFPB Team, I am writing to formally submit a complaint regarding MOHELA, my student loan servicer. I have experienced significant errors in the servicing of my federal student loans, including : Incorrect or missing credit for payments toward forgiveness programs Delays in processing employment certification forms Misapplied or miscounted payments These issues have caused me financial stress and have potentially delayed or prevented me from qualifying for loan forgiveness programs for which I am eligible. I request that the CFPB review my complaint, investigate these servicing errors, and ensure that my account is corrected promptly. Please also advise me on the steps I can take to ensure that my payments are properly applied and counted toward forgiveness programs. Thank you for your attention to this matter. I look forward to your guidance and resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER 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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank : We were notified on XX/XX/year> that our account was frozen and planned to be closed and were advised to go into the bank and open new accounts. We went in the next day and opened new accounts on XX/XX/year>. We could not transfer funds into these new accounts. The new account went negative and they tried to get money from us by withdrawing from the accounts that were slated to be closed. That did not work so now its worse. They have since closed the NEW accounts, no reason, and have discontinued their relationship with us, no reason. That was on XX/XX/year> we received the letter but the letter was dated XX/XX/year>. We have now opened new accounts at a new bank ad they still refuse to transfer to these accounts. We have nearly {$11000.00} in those accounts.

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 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: PA

Complaint narrative:
XXXX of XXXX MRS BPO derogatory report hit my credit score originally from spectrum. I had not had spectrum since XXXX and when I closed the account it showed clear and I never received communication attempts from them. Then I started getting texts from MRS BPO on my phone but their links would take me to a website and when I tried to enter my name phone number and last XXXX of social it would say they have no account for that information. I never got any emails or physical mail nor did the texts give me an account number. I have tried emailing their customer service team at least XXXX times and have had no response back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I am formally submitting this complaint regarding inaccurate and unauthorized items that are currently reporting on my consumer credit file and are negatively impacting my daily life, financial stability, and ability to obtain credit. First, there is a closed student loan account reporting with a balance of {$37000.00}. This account is being reported in a manner that I believe is inaccurate, misleading, and harmful. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The continued reporting of this account in its current status fails to meet that standard. Additionally, I am disputing a XXXX XXXX credit card account that was opened fraudulently without my authorization. I did not apply for, authorize, or benefit from this account in any way. This constitutes identity theft and a violation of my consumer rights under the Fair Credit Reporting Act. This account must be immediately removed from my credit file. These inaccuracies are causing significant harm, including interference with my ability to secure housing, credit, and financial opportunities. I am requesting the following : Immediate investigation of both accounts Immediate deletion of the fraudulent XXXX XXXX account Immediate removal or correction of the closed student loan account due to inaccurate reporting Written confirmation once these items have been removed Failure to comply with the Fair Credit Reporting Act and properly investigate these disputes will leave me no choice but to pursue further legal remedies.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-17 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:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XXXX XXXXXXXX M & t bank is withholding my money that I transferred into my account because they decided to put it under investigation without asking me if It was me. They stopped me XXXX payment on XXXX XXXX because I tripped up fraud. I went physically to the bank and they refused to give me my money because its under review. I want to close the account and cant do that because its under review

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding unexpected finance charges on my American Express Business Gold Card. I opened this card with a 6-month 0 % introductory APR, which ended in XXXX. I did not realize the promotional period had ended until XXXX, when I noticed that interest had been charged in XXXX and XXXX. Upon realizing this, I paid most of the balance in XXXX. Despite these payments, I was still charged {$270.00} on XX/XX/XXXX, which appears to be residual or trailing interest. I was not notified that the promotional period had ended and only became aware of the charges after they appeared on my statements. I have contacted American Express multiple times, including a conversation with a supervisor, requesting a goodwill adjustment or partial credit, but my requests were denied. The total finance charges over this period are {$1100.00}, which has had a significant impact. I believe this situation warrants review, as the trailing interest and lack of notification were not clear or reasonable from a consumer perspective. I respectfully request that the CFPB review this matter and assist in obtaining a fair resolution, including a review of the finance charges applied after my payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
I am submitting additional information regarding my XX/XX/XXXX mortgage payment. The payment was initiated on XX/XX/XXXX, in the amount of {$2000.00}. However, the servicer has reported a returned payment in XXXX for {$2000.00}, which does not match my records. The discrepancy of {$25.00} and the date inconsistency indicate an error in their transaction reporting. The servicer has only provided internal transaction logs, without proof from my bank that the payment was returned for insufficient funds. I request documentation showing : The exact date the ACH was presented Any return code from my bank indicating insufficient funds Explanation for the {$25.00} difference Without this documentation, I assert that the XX/XX/XXXX payment was made in full and on time, and the account should be corrected to reflect a current status for XX/XX/XXXX. This issue is blocking me from qualifying for a mortgage closing in XX/XX/XXXX. I request that the servicer either : Correct the account to show the XXXX payment was received and posted, or Provide verifiable proof that the payment was NSF I am attaching my bank statement and payment confirmation as evidence that the funds were available and the payment was initiated on XX/XX/XXXX. I respectfully request that the CFPB forward this to the servicer and that the error be resolved as soon as possible.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — VA 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: PA

Complaint narrative:
I attempted to make a {$1600.00} payment to my original loan holder, XXXX prior to the loan being transferred to Newrez and the payment was not completed due to no account being found. My acct with newrez is now short {$1600.00} because Newrez returned that payment back to XXXX using my funds deposited on XXXX and XX/XX/year> totaling {$3700.00} ( XXXX payment ). I now have an unapplied amount of {$2000.00} on my newrez mortgage loan holder account for XXXX. I have spoken with all parties since XXXX XXXX and no resolution. I have sent in all documents as well as 3 case numbers that were closed with no contact to me. The original loan amount from XXXX to newrez and the loan amount that newrez started with is the same. {$490000.00}. There was never a {$1600.00} amount applied. The newrez statements never show that the {$1600.00} was applied to my acct from XXXX ( that they " paid back '' for 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 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: TX

Complaint narrative:
I am disputing the Sunbit/XXXX Bank account being reported on my credit file. Sunbit has not provided any proof of my written authorization, itemized billing, or documentation showing the validity of this account. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report inaccurate or unverified information. SunbitXXXX Bank has failed to validate the account or provide supporting documentation. I am requesting removal of this account if they can not verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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 non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
XX/XX/year>, {$9200.00}, I reported the fraud to the company and requested an investigation into the transactions. I provided details of the incident, including that I had been contacted by individuals impersonating my financial institution and was directed to move funds under the belief that I was protecting my accounts. I also provided transaction details and explained that the activity occurred while I was on an extended phone call with the individuals conducting the scam. I requested that the transactions be reviewed as fraud and that the receiving accounts be investigated. The company responded but denied the claim, stating they could not confirm that the transactions were a scam.

Company response to consumer: Closed with explanation