vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
am writing to report an urgent issue regarding an unauthorized hard inquiry on my XXXX credit profile. On or around XX/XX/year>, a hard inquiry was placed on my credit report by Barclays Bank Delaware under application number XXXX for a store credit card ( XXXX XXXX XXXX XXXX ). I never applied for this credit card, nor did I authorize anyone to pull my credit. My identity and home address were used in error or fraudulently by another entity or individual. I received a decline letter from Barclays ( dated XX/XX/year>, XXXX ID : XXXX ) which proves the unauthorized application was processed. I contacted Barclays ' Fraud Department on XX/XX/year>, at XXXX. The representative refused to assist me, stating that the application is " closed '' and that they would not investigate or delete the inquiry, instructing me instead to contact the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), Barclays has a legal obligation to investigate inaccurate and unauthorized inquiries and must not report fraudulent information. I am in the final stages of an active home mortgage process. This unauthorized inquiry is actively damaging my credit standing. I request that Barclays investigate this matter and immediately contact XXXX to delete this unauthorized inquiry from my profile.

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 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
This is the XXXX company that has had this acoount have had this removed XXXX times before. This was not me it was a woman named XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
According to 12 CFR 1026 7 ( a ) 3 the consumer has a right to ask for the true in correct accounting for this account. This is a consumer transaction. Since the consumer is the true holder of the account. Would like to make sure everything is in good faith

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: WI

Complaint narrative:
I opened a U.S. Bank XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX specifically to obtain the advertised XXXX promotional bonus after making {$5000.00} in purchases within XX/XX/XXXX days. I received an approval email dated XX/XX/XXXX stating that the card would arrive in approximately XXXX days. However, the approval email did not clearly disclose that the XXXXday promotional qualification period had already begun as of the approval/account opening date. I physically received the card on XX/XX/XXXX and immediately began using the card. Based on the information provided to me, I reasonably understood that the qualification period would begin upon receipt and activation/use of the card. By XX/XX/XXXX, my purchases exceeded total {$6000.00}, which was well above the required spending threshold. After reviewing the cardmember agreement and approval materials, I could not find a clear disclosure stating that the promotional qualification period began on the application date, approval date, or account opening date prior to receipt of the card. U.S. Bank later denied the promotional bonus and informed me that the XXXXday period was calculated from the XX/XX/XXXX account opening date, resulting in the qualification period ending on XX/XX/XXXX. I contacted U.S. Bank and also visited a local branch seeking clarification and review. I received inconsistent explanations regarding whether U.S. Bank or XXXX XXXX administered responsibility for the promotional qualification process. I acted in good faith, immediately used the card upon receipt, and substantially exceeded the required spending threshold under what I believe was a reasonable interpretation of the promotional period. I am requesting review and goodwill resolution regarding the denied promotional bonus.

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 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: IN

Complaint narrative:
I am an Indiana resident. Cash App ( Block, Inc. ) is unlawfully freezing {$2000.00} in my personal consumer account for nearly four full years with zero court judgment or order, based solely on an unadjudicated out-of-state XXXX scheme from XXXX XXXX. My prior CFPB complaint XXXX was closed without releasing funds or resolution. New Evidence ( Recent Cash App Chat Transcripts ) : Cash App support explicitly admitted in writing that this XXXX hold is operationally groundless and unfair : 'Nearly four years without access to over {$2000.00} of your own money is deeply frustrating and unfair. You've done everything right. ' When asked for a legal case number, the agent confirmed : ' I do not have a court order number. ' Cash App has now closed my internal ticket, admitting the documentation justifying this freeze is hidden in a locked 'legal file ' that regular consumer channels can not verify or dispute. Contract Details : The underlying contract from XXXX XXXX explicitly names me personally XXXX XXXX dba Better Than Affordable Srvc. Disbursed Amount : {$2200.00}. XXXX XXXX : {$8400.00}. Total Fees : {$6300.00}. The contract mandates a rigid fixed weekly ACH debit of {$280.00} independent of actual revenue. This is a disguised loan under the 'substance over form ' doctrine, resulting in an approximate 244 % APR. Legal Violations : Violates Indiana criminal usury statute ( IC XXXX ) : Any loan exceeding 72 % APR is a felony. XXXX XXXX targeted an Indiana resident via telemarketing. Violates FDCPA XXXX ( XXXX ) : The XXXX XXXX XXXX XXXX XXXX, XXXX. placed an administrative XXXX XXXX targeting my personal name to freeze consumer funds without any judicial judgment or court order after XXXX years of unlawful restraint. Breaches Cash App 's XXXX consent order by actively facilitating a predatory, un-adjudicated, out-of-state collection scheme on a consumer account. Demand : Immediately release my full undisputed balance of {$2000.00}, reject the invalid out-of-state administrative UCC notice, and provide written confirmation that the XXXX hold has been permanently lifted with no further collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting a complaint regarding an unresolved mortgage payment discrepancy following the transfer of my mortgage loan from a prior servicer to a new servicer. Since approximately XXXX XXXX, I have been attempting to resolve an issue involving one mortgage payment that does not appear to have been properly credited or applied following the servicing transfer. Based on my payment history and supporting documentation, my loan should currently reflect payments made through approximately XXXX XXXX ; however, the current servicers records do not accurately reflect this payment. To resolve this issue, I have already provided : bank statements showing payment withdrawals screenshots/payment histories from both servicing portals a payment reconciliation table documenting payment dates, amounts, billing periods, and supporting documentation multiple written follow-ups and reconciliation requests Despite these efforts, the discrepancy remains unresolved. I am requesting assistance with : reconciliation of payment history between the prior and current servicers correction of the loan payment status confirmation that all payments were properly credited/applied assurance that this discrepancy will not negatively impact my account standing or credit reporting Escalation Case ID : XXXX Prior Servicer : XXXX XXXX Thank you for your review and assistance.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX I made a cash deposit of XXXX dollars around XXXX to XXXX the atm did not give me a receipt nor did I get a email or verification of my deposit or a delay for said deposit Ive waiting over 20 days now had my claim denied 3 times and no one will get to looking at the cameras for proof of said deposit I jsut recently had an accident and now I desperately need the money for vehicle repairs and other home maintenances

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Diversified Adjustment Service , Inc. for inaccurate credit reporting and failure to validate an alleged debt. The company has not provided any signed agreement, proof of ownership, account history, or documentation showing that this debt legally belongs to me. I previously contacted XX/XX/XXXX& XXXX regarding this matter on XX/XX/scrub>, 2023. After speaking with a manager, I was informed the issue would be resolved, and the account was removed from my credit report. It has now reappeared years later without notice or proper validation. I never received certified mail or lawful notification regarding this alleged debt and only became aware of it through my credit report. Instead of providing documentation, the company attempted to redirect me to a third party rather than verifying the account directly. Additionally, the alleged debt appears to be beyond the applicable statute of limitations. I request a full investigation into the reporting and collection practices of Diversified Adjustment Service , Inc., including removal of this account unless proper legal validation can be provided. I can also see on the reviews that they have an issue validating debts, or showing proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing inaccurate rental debt reporting connected to an apartment lease that ended on XX/XX/year>. I vacated the apartment by the lease end date, removed all of my belongings, and left the unit empty and cleaned. I never signed a lease renewal, extension, holdover agreement, or month-to-month tenancy agreement after the original lease expired. Despite this, the property management company and debt collector are reporting approximately seven months of rent charges against me after the lease termination date. I dispute the validity and accuracy of this debt entirely. I have repeatedly requested validation and documentation supporting these charges, including any signed agreement allegedly authorizing continued tenancy or financial responsibility after the lease ended. Neither the property management company nor the debt collector has provided any signed lease renewal, extension, or competent evidence establishing that I authorized or agreed to remain liable after my lease expiration date. Because the reporting parties have failed to provide accurate, verifiable documentation supporting this debt, I believe the account is being inaccurately and improperly reported in violation of my rights under the Fair Credit Reporting Act and related consumer protection laws. I also believe my identity and/or personal information may have been improperly used or misrepresented in connection with alleged occupancy after my move-out. I have filed an FTC identity theft/fraud report regarding this matter. I am requesting immediate deletion of this account and all related negative reporting from my consumer reports due to inaccurate, unverifiable, and unsupported information. The only document provided in response to my disputes has been the original lease agreement, which clearly contains a defined lease end date. The reporting parties have failed to provide any signed renewal agreement, extension, holdover agreement, month-to-month tenancy agreement, or other documentation establishing liability for the approximately seven months of charges added after the lease expiration date. Simply providing the original lease does not validate or justify charges incurred after the contractual lease term ended. Despite repeated disputes and requests for competent evidence supporting these post-lease charges, the account continues to be reported against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
CFPB Complaint Against Wells Fargo I am filing this complaint against Wells Fargo for years of gross negligence and harmful practices regarding my deceased fathers mortgage. My father passed away in XX/XX/XXXX. Wells Fargo was promptly notified with the death certificate and the Document of Heirship, which they specifically requested at the time. Despite this, they failed to update the account for over 12 years, because they had no trained personnel and no dedicated department to guide them on how to handle the situation. The files simply sat in their system with no one knowing what to do with the documents or how to update the account as Confirmed Successor leaving me with no one to contact. The office of the Executive Offices was not in place from XXXX to XXXX, specifically because of actions by multiple CFPB complaints against Wells Fargo which led to the creation of the Executive Offices in XXXX. Starting in early XXXX, they listed me as the person of interest on the account and gave me contradictory instructions, including pushing me to refinance while refusing to share basic loan information. It took over two and a half complaints and me personally training their staff before they finally accepted the correct documentation. Wells Fargo now claims to have deleted all records of the account. However, I have preserved all of those records, including the actual reports written by their own employees who were later labeled erroneous. This pattern of negligence and bad faith has caused severe financial and emotional harm to my family. I request a full investigation into Wells Fargos handling of this account since 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 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have called, contacted, and emailed about the missing loan information for years, and they never respond or call me back. My loans have been transferred to many companies overtime ( from XXXX XXXX to XXXX to Mohela, etc ) and during this period, they have lost the documentation that shows where I have made payments, leaving my balance higher than it actually is. This is unacceptable

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Top Line Collectors LLC
State: IL

Complaint narrative:
Hello I have been getting text messages from Top line collectors. Every day Im getting XXXX text messages. No calls no mails no emails has been sent to me with written notice that required by Law. XX/XX/XXXXday message was prior XX/XX/XXXX. Until now no mails or emails or Normal call. I have no idea what is this about. I dont have any late bills or any collection. I wont be calling them to give any ideas. They required by law to send me written notice withinXX/XX/XXXX days of initial contact which is over month. The phone number Im getting texts is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
I was granted a short term loan for {$1200.00} that was to be repaid at {$370.00} bi weekly. Struggled to make payments. Called multiple times to try to work out lower payments. They would not accommodate in any way. I currently owe {$4400.00} on a {$1200.00} loan due to excessive interest and fees that they arent able to explain. Will not work with me in any way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am submitting this follow-up complaint because the response provided by Nordstrom XXXX XXXX did not resolve the underlying XXXX dispute and failed to address material facts directly relevant to my claim. In its response, the company relied primarily on alleged text-message authorizations from XX/XX/year> as the basis for denying my XXXX claim. However, the company failed to meaningfully address that my card, phone, and personal belongings were compromised/stolen while I was traveling abroad. I previously provided supporting documentation, including : A police report related to the theft A completed XXXX affidavit Government-issued identification Despite this documentation, the company did not explain : How it verified that I personally sent the alleged authorization text messages Whether it investigated the possibility that an unauthorized third party had access to my phone or accounts What authentication methods or records were relied upon Why my supporting theft documentation was deemed insufficient The company also failed to provide copies of the alleged authorization messages, authentication/device records, or sufficient documentation supporting its conclusion that the transactions were authorized by me. Additionally, the response does not explain why the disputed charges were initially removed from my account during the XXXX investigation, only to later be reinstated months afterward. I was not clearly informed of any additional documentation requirements before the charges were reapplied and interest accrued. I believe the handling of this matter raises concerns regarding the adequacy and reasonableness of the investigation conducted under the Fair Credit Billing Act. The company appears to have relied heavily on disputed text-message responses while failing to fully investigate the surrounding circumstances of the theft and possible unauthorized access to my device and accounts. As a result of the companys actions, I suffered substantial financial harm, including accrued interest and repayment of disputed charges under financial pressure solely to mitigate further financial damage. My payment of the balance should not be interpreted as acceptance or authorization of the disputed transactions. I respectfully request : A reinvestigation of the XXXX claim Documentation supporting the companys determination Clarification regarding how the alleged text-message authorizations were authenticated Refund of the disputed charges and associated interest/fees if the transactions can not be properly verified as authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My loans have been transferred to many different loan companies over the past 15 years, including Mohela and XXXX. Mohela and XXXX net have both lost my payment history, dont transfer all of the files and have inaccurately displayed the wrong amount that I owe. I have made payments and didnt get credit for these payments. In XXXX, I filed a reconsideration case and still have not heard anything

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
unauthorized hard inquiries and identity theft reporting. Requests investigation, deletion of unauthorized inquiries, proof of permissible purpose, updated reports, and blocking of identity-theft information under FCRA Section 605B. Accounts disputed : XXXX XXXX, CITICARDS CBNA, XXXX XXXX XXXX XXXX Request immediate block and deletion, plus supporting documentation if validity is claimed.

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 2026-05-26 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: MI

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE 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