vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 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: OH

Complaint narrative:
Barclays GM Card took 79 days to address a credit card dispute ( XXXX XXXX XXXX ) regarding a package not delivered to our home, totaling {$190.00}, and then ruled in the merchant 's favor without proof that the package was delivered to our home address. While the XXXX may have claimed delivery to our home address, there was no recording of this delivery on our XXXX XXXX camera on XX/XX/2025, at XXXXXXXX XXXX. or at any other time on that date. Obviously, the package was delivered to someone else who kept it. We have a revolving door of XXXX workers delivering mail to our address who are unfamiliar with who lives where. This is not our responsibility, as we did not receive the package, but it is the merchant 's responsibility to resolve it with XXXX. Barclays needs to reverse its decision and refund us {$190.00}. Regarding Barclays ' dispute process, someone called in late XXXX ( recall that this process took 79 days, close to the 90-day legal limit ) with a thick foreign accent that made her words incomprehensible, except that she was calling from Barclays. Given the rise of telephone scams, is this the proper business model for gathering information from its customers? In addition, they have no mechanism on their website to communicate about these disputes. I have been a loyal GM Card customer for nearly thirty years and am astonished by such indifference and poor treatment.

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 2026-02-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
I have contact this place multiple times about sending me a receipt of payment. I have clearly expressed that I want it sent to me to keep for my files. Each time they try to talk me into just taking a screenshot of their portal log in that says my balance is 0. That is not enough for me, I want a receipt ( which I am owed ) sent to my mailing address which they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
I received a call while I was at work at XXXX. They claimed to be XXXX XXXX and said two phones were ordered on my account to XXXX even though I live in XXXX XXXX. They said to cancel the order, I needed to provide a code that was sent to my phone. The code came in my normal text chain from XXXX. After providing the code, in 10 minutes my phone Sim card was deactivated. Shortly after I started receiving email notifications that my passwords were being changed and the bank transactions started after that. I drove immediately to XXXX and they said my account was taken over and my phone number was ported to XXXX XXXX. I froze my credit with all three bureaus and ended up having to get a new phone number. They also took an advance against my upcoming paycheck for {$140.00} through Chime ( my bank ) and there were two other charges for instant fees from the scammers instant transferring the funds out. I have file a police report with XXXX, XXXX XXXX, the police report number is XXXX. 

I disputed the charges with chime bank twice and provided the police report, etc and fbi reports but was denied twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: MI

Complaint narrative:
1ST CRD SRVC is falsely reporting on my credit. I have never had any accounts with them. Per my research 1ST CRD SRVC 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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am filing this complaint because Discover Bank ( now XXXX XXXX ) has refused to provide basic assistance following a verified financial hardship. I have been a loyal customer for years, and the level of service has dropped significantly since the XXXX XXXX merger. 

I recently faced a car accident and a family emergency that required immediate out-of-pocket spending. Because of these emergencies, my account went over its {$3600.00} limit and is now at {$3800.00}. I proactively called Discover to ask for a one-time waiver of the late fees and over-limit fees that were triggered by these life-and-death emergencies. They flatly refused to waive anything or help me bring the balance back under the limit. 

By refusing to waive these fees and maintaining a 26.49 % APR during a documented crisis, Discover is making it mathematically impossible for me to pay down the principal. I am not asking for a 0 % handout ; I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
The debt collector first contacted me regarding an alleged medical debt on XX/XX/XXXX, claiming that a balance of {$92.00} was owed. 

On XX/XX/XXXX, I mailed a written dispute of the alleged debt and requested full validation within 30 days of first contact, pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

The debt collector, Receivables Management Partners , LLC, received my written dispute on XX/XX/XXXX at XXXX XXXX, as confirmed by XXXX electronic return receipt. 

The collector has not provided any written validation of the alleged debt, including identification of the original creditor or documentation supporting the amount claimed. 

Despite confirmed receipt of my timely written dispute and without providing validation, the collector sent a text message attempting to collect payment on XX/XX/XXXX. 

This constitutes continued collection activity prior to validation in violation of the FDCPA. I am requesting that the collector cease collection activity and provide a written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
I am disputing a collection account reported by Credit Collections on my XXXX  credit report.

The account reflects a Date of First Delinquency of XX/XX/XXXX, while simultaneously reporting a Date Opened of XX/XX/XXXX. A delinquency can not occur before an account exists. This contradiction makes the information inaccurate on its face.

Under 15 U.S.C. 1681e ( b ), XXXX  is required to maintain maximum possible accuracy. Reporting a delinquency that predates account opening violates this duty. Further, under 15 U.S.C. 1681c, the Date of First Delinquency controls the lawful reporting period, and misreporting it creates unlawful re-aging.

Credit Collections, as a furnisher, is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) from reporting information it knows or should know is inaccurate. Upon dispute, it is required under 1681s-2 ( b ) to conduct a reasonable investigation and delete unverifiable information.

Because this account contains internally inconsistent data that can not be verified through competent business records, I am requesting permanent deletion of this tradeline from all consumer reporting agencies.

I am requesting that the CFPB require written confirmation of deletion and corrective action.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: MO

Complaint narrative:
This complaint concerns a predatory Installment Loan originated by GoodLeap and their partner, XXXX XXXX. 

1. The 'Spiking " Violation ( TILA ) : On or about [ Date of Install in XX/XX/XXXX ], the contractor commenced work immediately upon signature, effectively stripping me of my federal mandatory 3-day 'cooling off ' period ( Right of Rescission ) under the Truth in Lending Act ( Regulation Z ). This constitutes 'Spiking. ' 2. Deceptive Pricing ( MMPA ) : The financed amount of ~ {$10000.00} for a standard residential electrical panel represents a ~300 % markup over the local market value ( ~ {$3000.00} ). The contractor misrepresented the nature of the equipment ( promising 'Arc Fault ' breakers but installing standard ones ) to justify this predatory price. Under the FTC Holder Rule, GoodLeap is liable for these deceptive practices. 

3. Failure to Honor Rescission : On XX/XX/XXXX, I sent a formal Notice of Rescission to GoodLeap via Certified Mail. Under 15 U.S.C. 1635 ( b ) and the Supreme Court ruling in XXXX v. XXXX, the security interest in my home became void immediately upon mailing. GoodLeap had a statutory 20-day window to return all monies paid or take possession of the property. They failed to perform these duties within the legal window.

4. Current Status : The security interest is now void by operation of law. Despite this, GoodLeap continues to bill me and report the debt, and has failed to respond to my good-faith settlement offers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I opened my first complaint about this on XXXX. This is still not resolved. 

My name is XXXX XXXX XXXX. XXXX XXXX. Checking Account XXXX. My login is my email XXXX. I used to live on XXXX XXXX XXXX XXXX, XXXX - XXXX - New York. But I no longer live in the USA. I am not an US citizen. I have been trying to close my bank account for the last 5 months with no luck. The chat on the app is an AI that gets me nowhere and they say I have to call. When I call XXXX, I never get to talk to a real person, I put the account number and they say I need to verify my identity but I never get through. I have done it over 90 times with no luck. It has been IMPOSSIBLE to close this account and while it " s open, the bank keeps me charging. I am desperate. I would like to close the savings account as well.

After submitting a complaint here, Bofa called me to say they were working on it and would reach out to me again and that once they did, fees would be waived. They never called again. When I call its IMPOSSIBLE to close the bank account. The answer they gave me here was Contact Customer Service at XXXX. For clients outside the United States, call toll-free when calling from XXXX at XXXX. Send account closure requests in writing to : Bank of America, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX For Overnight Delivery send to : Bank of America National Service and Solutions, XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX Information about fees We understand you are unhappy with the Monthly Maintenance Fees ( MMFs ) on your accounts. Please note these will continue to be assessed until the account is closed. In order for you to close your accounts, the balance must be at zero.. 

Please consider that : a ) Contact Customer Service at XXXX I have tried over 90 times. It doesnt work.

b ) Please note these will continue to be assessed until the account is closed. In order for you to close your accounts, the balance must be at zero This is an abusive practice since they are the ones keemg me from closing the account. The person who called me in a recorded line said this would be waived. I tried keeping my balance zero by constantly sending money to the account while I was being charged. But I could never close it. So, will this go on forever?

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: SC

Complaint narrative:
TRIDENT ASSET MANAGEME is falsely reporting on my credit. I have never had any accounts with them. Per my research TRIDENT ASSET MANAGEME 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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I invested in a XXXXXXXX XXXX XXXX. The people I invested in were never charged with anything. In XXXX, DEA came and talked to me about a XXXXdollar check I wrote to invest. I never received money back into my bank, though it states I did, and I had to plead I did. Nevertheless, it's been 14 years since the action and 10 years since I pleaded guilty in XXXX, and I was never arrested nor indicted. I went in and spoke to them. 

Not understanding that just because I plead and they promised probation and a fine, I went ahead. yet did not understand that the banking system would collapse on me. 

5 years ago I started my divorce, and my wife has been handling the finances since then. I have had a landslide in business, and it's affected my life greatly. I've been in NO trouble with the law since, on any level. I just want to be removed from these systems and bank like a human being. 

Please reoply and respond if you will be able to remove or if not what steps to take legal or otherwise. I have to be able to earn money again.

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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
We had our property managers try to help us recover our money via the rental software they were using. Here is my " former manager 's '' description of actions taken : Dear Bank of America, This is XXXX. 

Im reaching out regarding a claim related to fraudulent activity that began on XX/XX/2025, when a fraudulent bank account was added to my XXXX account without authorization. I would like to confirm that the system was not compromised, but the person who created an account through your banking institution to commit fraud gained access to my account externally, via my email. 

The following internal actions have already been taken by XXXX and XXXX : -The misdirected funds have been marked as fraudulent. 
-An ACH reversal was attempted to recover the funds, though it failed. 
-The bank account used by the fraudulent actor has been blocked in XXXX system. 

Though XXXX, reversals were initiated, but the funds couldnt be recovered as they had already been withdrawn from the Bank of America account ending in XXXX. The amount of funds fraudulently deposited is {$3300.00}. 

We are seeking the funds that were fraudulently deposited in your bank to be returned to me in accordance with the Electronic Funds Transfer Act ( EFTA ) Section 205.2 ( m ), which covers unauthorized or incorrect electronic fund transfers ( EFTs ), as theft was initiated through your banking institution. 

Below is the full account information for the fraudulent account, which we received after fraud was confirmed by the payment processor. Thank you for working with me to right this wrong. Please let us know if you need any further information. 

Account Number : XXXX Routing Number : XXXX Trace Number : XXXX Thank you, XXXX We found no resolution from this and the funds have never been returned to our checking 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 explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I hope that CFPB has control over American Express to prevent collecting illegal / unfair annual fees to protect public as they are repeatedly doing to me and probably doing this to thousands of other people too for ANNUAL FEE. 

Please reopen the previous complaint ID XXXX for full details as AMEX playing inappropriate tactics and misguiding people for collection that was disputed and cancelled.

Note that card was used only for 1st month as they had misguided by XXXX XXXX not to charge upfront rather at the end of the year. NEVER used for a year but they charging FULL YEAR fee when it was disputed. 

Attached is collection notice from AMEX and also payment notice from XXXX XXXX, debt collector that you need to notify also for inappropriate collection

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
ONLINE IN SV is falsely reporting on my credit. I have never had any accounts with them. Per my research ONLINE IN SV 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 non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX, model XXXX, XXXX XXXX, in-store for {$740.00}. The sales associate talked me into opening a Best Buy Credit Card through Citibank, with the option to pay it off at the time of purchase, so I wouldn't incur any fees and would receive promotional points in dollars to spend on another purchase later. The order number on the receipt is XXXX. The store number is XXXX. This purchase happened at XXXX hours. My XXXX XXXX member ID is XXXX. At the same time, after the card was approved and the purchase was charged to the card, I made an in-store payment of {$740.00} to XXXX XXXX on the same day, which my bank statement supports. The purchase was processed and cleared on XX/XX/XXXX. My bank statement shows the payment posted, and no statement indicates the payment was ever reversed, so the money was received by Best Buy. I was then charged again by the credit card company on my statement for interest and late fees. I paid the interest and late fees to avoid damaging my credit, and filed a credit card dispute on XX/XX/XXXX with CITI Card, submitting my evidence from my bank of the payment. I received a letter dated XX/XX/XXXX, stating that they found no evidence of a payment that was received but not applied to my card, which is unreasonable since I sent proof of payment in the form of a bank statement. They also said they were reversing the charges to my card and would report them to the credit bureaus, since the payment was not made on time after the purchase. I can not stomach paying twice for this washer. Where is the money I 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 monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data is reporting history on my credit report that is outdated. They claimed I signed a lease agreement in the year XXXX in the state of Georgia. However, I was living in XXXX TX at the time this lease was so said to be signed. Therefore I have included documentation from an Apartment Complex in XXXX TX. that clearly states I was living in XXXX TX at the time they mentioned I signed a lease. I have attached the original response from IQ Data where they stated I could submit documentation to them to support my claims. None the less, they are reporting something on my credit profile that is over XXXX XXXX XXXX as this is the year XXXX. Under 15 U.S.C. 1681c negative information must be removed from credit reports after seven years. They are already under penalty for reporting this upon my credit.

Company response to consumer: Closed with explanation