vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRB-40, LLC
State: TX

Complaint narrative:
To whom it may concern, This letter serves as formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms o f communication with n family, or my place of employment regarding the alleged debt referenced above. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right t o collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s- 2 ( a ) ( I ) ( A ) ). + I am formally demanding the following documentation within XXXX calendar days from the date of this letter : XXXX XXXX. The original signed contract or application bearing my signature showing liability for XXXX. The complete chain of title or assignment o f debt, including all transfers and dates from the original creditor to your agency. XXXX. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. XXXX. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. XXXX. Your debt collector license number and the state ( s ) in which you are licensed to collect. XXXX. Your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return the account to the original creditor and permanently cease any further action on this matter. Be advised that continued failure to validate, coupled with continued furnishing o f false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs. I am documenting all violations and reserve the right to file complaints with the consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within XXXX calendar days will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX on XX/XX/XXXX and I paid {$20.00}. This item was sold by ( XXXX ). It was delivered to me on XX/XX/XXXX. Since I purchased this item, I have received multiple letters in the mail from a company called XXXX XXXX XXXX stating that I owe them {$53.00}. It looks like a scam because in the letters they send me they put my last name first then my first name is spelled twice and the address they have listed as mine has a letter after the initial numbers and that is incorrect. I called XXXX XXXX 's billing department several times and each time, their billing department can not find me in their system and they have verified that there is no link to me owing {$53.00}. I also tried contacting the seller on XXXX ( XXXX ) but I keep getting the message, " Sorry this user was not found. '' Yesterday on XX/XX/XXXX I received a letter from MERCHANT 'S CREDIT GUIDE COMPANY, a debt collector, stating " We are trying to collect a debt that you owe XXXX XXXX XXXX XXXX 's. '' I tried contacting the number listed on the letter XXXX and each time I call, it just hangs up on me after a few seconds.

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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I deposited a United States Treasury refund check in the amount of {$17000.00} into my checking account at a branch of Bank of America. At the time of deposit, XXXX XXXX informed me that {$6700.00} of the funds would be made available the following day, XX/XX/year>, and that the remaining balance would be available on XX/XX/year>. The tellers were very clear and confident in this statement. On XX/XX/year>, the {$6700.00} was not made available as I was told. When I contacted the bank regarding the issue, I was informed that the tellers statement was subject to change. At no point during the deposit was I told that the information provided was subject to change, and I relied on the information given to me at the branch. Additionally, I was not provided any written hold notice explaining the reason for the extended hold, the amount being held, or the funds availability schedule at the time of deposit. My understanding is that banks are required to provide notice when placing an exception hold on deposited funds under Regulation CC. This unexpected hold has also negatively impacted my ability to make important financial obligations, including my mortgage payment and property tax payments. Because these funds were not made available as represented, the hold affected my ability to manage checks and payments coming into and out of my account. I have been a customer of Bank of America for approximately XXXX years and maintain a XXXX account relationship with the bank. I relied on the information provided by the bank employees when making financial decisions and believe the information given to me was misleading. I am submitting this complaint to document the issue and to request review of the banks handling of this deposit and whether proper disclosure of the funds availability hold was provided.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
About XXXX months ago I realized I was in over my head with my Barclays credit card so I applied for debt relief. They were happy to oblige provided I cancel my card which I did. I set it up on Autopay and after a year Barclays cancelled my autopay. This resulted in XXXX missed payments that I was unaware of until Barclays started calling my phone nonstop for payment. Every time I picked up they hung up so I was unaware of the problem for a couple months but of course they jacked my interest rate up to XXXX %. I finally realized what happened and tried to call them at least XXXX times. I had a perfect XXXX month record of payments and they just shut off the Autopay to make more money. I faxed them twice and the first time I faxed them they TOOK the XXXX months of payments from my account without my knowledge and returned the interest rate to XXXX XXXX XXXX I was ok with that even though no one let me know. The following month however they jacked my rate back up to XXXX % and have ignored me since even though I faxed their consumer complaint area again. There is literally no way to talk to anyone in this company because the moment you get anywhere they hang up on you. I strongly feel this is predatory lending and that Barclays 1 ) should not have turned off my Autopay 2 ) should not have taken my money without my permission 3 ) should not have raised my interest rate back up after they dropped it again and took my money I let them know I was planning to report this to you because I have worked at banks and I KNOW they do these things to XXXX the consumer. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
They locked my account since XX/XX/XXXX I have called them and told them I need to pay bills they keep saying XXXX more days I have the proof and the recordings I want my account unlocked and they refuse to do it they keep saying some investigation but are not helping with the account they don't give me access to my own account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), I am requesting proper validation of this debt. To date, the company has failed to provide the legally required documentation that establishes : Proof that I am the correct party legally responsible for this debt. A complete accounting of how the alleged balance was calculated. A copy of the original signed contract or agreement creating the obligation. Proof of assignment or transfer of ownership, showing the company has legal standing to collect. Evidence that the debt is not past the statute of limitations for collection in my state. Despite my dispute, the account continues to be reported and/or collected without providing the above information. This is a violation of both FDCPA and FCRA, as it constitutes continued collection activity without validation, and inaccurate or unverifiable reporting to the credit bureaus. I am requesting that the CFPB require the company to : Provide the full and complete validation of this debt as outlined above ; OR Immediately cease all collection activities and delete any negative reporting from all consumer reporting agencies. I am also requesting that this violation be investigated and that appropriate corrective action be taken against the company for failing to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 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:
Subject : Notice of Improper Duplicate Classification and Request for Immediate Investigation Date : XX/XX/year> To Whom It May Concern, I am writing regarding Complaint Reference No. __________, which was improperly closed and marked as a duplicate complaint on XX/XX/year>. This classification is incorrect. While I may have previously submitted a dispute regarding this matter, the present complaint contains new and materially different information, including supporting documentation confirming that the account in question is fraudulent and the result of verified identity theft. Accordingly, closing this complaint as a duplicate without conducting a substantive investigation constitutes a failure to comply with the investigation requirements under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 and 1681i. # # # Verified Identity Theft Status I am a documented victim of identity theft and have submitted an FTC Identity Theft Report ( Report No. XXXX ) along with proof of identity and documentation identifying fraudulent accounts. This report constitutes a legally sufficient identity theft affidavit under 15 U.S.C. 1681c-2 ( a ) ( 4 ). After receipt of this report, the fraudulent account was previously deleted, which triggered the mandatory blocking provisions of the FCRA. # # # Unlawful Reinsertion / Continued Reporting Despite the prior deletion, the account has been reinserted or continued to be reported, even though : I have never opened or authorized this account. There is no legitimate payment history associated with this account under my identity. The account was previously removed following my verified identity theft report. Any reinsertion of previously blocked information without proper certification and written notice violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). # # # Requested Resolution I request that you immediately : XXXX. Reopen this complaint and conduct a full investigation. XXXX. Permanently block and remove the fraudulent account from my credit file. XXXX. Provide written confirmation that the account will not be reinserted. XXXX. Place a XXXX ( XXXX ) year extended fraud alert on my credit file pursuant to 15 U.S.C. 1681c-1 ( b ). XXXX. Provide written documentation of the results of your investigation. Failure to properly investigate or continued reporting of fraudulent information after receiving a valid identity theft report may constitute willful non-compliance under the FCRA, which may subject the responsible party to liability for statutory, actual, and punitive damages. Please confirm in writing that this complaint has been reopened and properly investigated. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I believe that this foreclosure is being done illegally. RESPA was violated. I tried to refinance years ago with help of an attorney and carrington never followed through and o have been over and over trying to. Everything is going back to my ex-husband NOT me. No one contacts me only my ex-husband. I thought that since I am secondary that I am to be contacted also? Plus chase is foreclosing so why am I dealing with carrington? XXXX claims that they have received. Nothing from carrington no communication at all. I want to work in a resolution that will stop this and stop the hardship, emotional, financial and physical damage this process has created. Ive spent thousands on attorney fees and Im ignored. Im emotionally stressed and have developed severe XXXX, XXXX and panic attacks. Which has affected my employment. I want a resolution that can be agreed upon and not this embarrassment that they are creating for everyone involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
My father past. He held an account with Wells Fargo bank Bank, this account holds my names as well. This is an account he started as a college fund for myself as he was in poor health and knew he was about to die. He wanted to make sure I was able to go to college. He died. I contacted Wells Fargo and talked to the XXXX department. They instructed me I needed to get a death certificate and visit the closest branch to close the account. The closest branch, over XXXX hours away in XXXX. I drove to XXXX from XXXX XXXX Michigan. Once I arrived the branch manager told me there was nothing they could do to help me. This is after spending countless hours on the phone with Wells Fargo. I spent money to get a death certificate, I drove XXXX plus hours round trip to XXXX at the direction of Wells Fargo Bank customer service XXXX department. Only to be told there was nothing they could do, they gave me no more direction. I get home and call customer service again, they tell me to get a death certificate and visit the closest branch. They are withholding the money my father left for me to go to school, giving me no clear direction as to how I close the account and get this money. My name is on the account, I can not access the account and I can not close the account. I can not help but feel completely scammed by this bank. To drive XXXX hours round trip only to be turned away, and then when I call them they tell me the same thing as last time. To me it seems Wells Fargo is doing something shady here, and I would be shocked if I am the only person this is happening to. My father owes no creditors, has no dept, owes nothing to any bank, company nor person. They are refusing to allow me to close the account and withdrawal the funds. Wells Fargo is driving me circles with no answer or resolution to this issue. This just doesnt seem right that they can get away with this.

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 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION
State: GA

Complaint narrative:
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), I am requesting proper validation of this debt. To date, the company has failed to provide the legally required documentation that establishes : Proof that I am the correct party legally responsible for this debt. A complete accounting of how the alleged balance was calculated. A copy of the original signed contract or agreement creating the obligation. Proof of assignment or transfer of ownership, showing the company has legal standing to collect. Evidence that the debt is not past the statute of limitations for collection in my state. Despite my dispute, the account continues to be reported and/or collected without providing the above information. This is a violation of both FDCPA and FCRA, as it constitutes continued collection activity without validation, and inaccurate or unverifiable reporting to the credit bureaus. I am requesting that the CFPB require LOBEL FINANCIAL CORP to : Provide the full and complete validation of this debt as outlined above ; OR Immediately cease all collection activities and delete any negative reporting from all consumer reporting agencies. I am also requesting that this violation be investigated and that appropriate corrective action be taken against the company for failing to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, an unauthorized purchase was made using my wifes debit card online through XXXX. The amount was {$2700.00}. The evening of XX/XX/year>, I noticed this transaction and immediately called Wells Fargo to stop payment, cancel the card, report fraud, etc. The evening of XX/XX/year> I contacted XXXX to report fraud, stop the transaction, shipping, etc.. Unfortunately neither Wells Fargo or XXXX seem to believe that this transaction is fraud. There are several factors that make this situation messy. One being that the XXXX account in question is my sons account and he is under age. Therefore, his account is not valid and XXXX is not standing behind their customer protection policies. Wells Fargo did not flag the transaction even though the checking account balance at the time had less than {$500.00} in it. A shocking coincidence is that Wells Fargo decided to increase my overdraft credit card limit from $ XXXX {$2300.00} without my approval. Wells Fargo has repeatedly denied my claim to fraud. XXXX has blocked the account in question. Im not sure what to do, and where to go. Ive never had this happen to me before and its very upsetting that my financial institution of an over XXXX years isnt standing behind me. The federal law in XXXX XXXX states that in a fraud case I am liable for {$50.00} of this transaction. I am submitting this complaint against Wells Fargo.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am submitting this complaint because I am trying to resolve a delinquent Citibank credit card account but have been unable to reach a fair settlement despite previous offers. Approximately 17 months ago I experienced several major financial hardships that significantly affected my ability to pay my bills. During that time I lost my job, experienced housing instability, and my vehicle was totaled. These circumstances created a severe financial hardship and caused me to fall behind on my Citibank credit card account. At one point the account had been placed with a collection agency and I was offered a settlement of approximately {$750.00} to resolve the account. I was working toward paying that amount so I could resolve the debt responsibly. However, the account was later taken back by Citibank and is now being handled through XXXX XXXX XXXX. When I contacted them to try to settle the account, I was told that the previous settlement offer could no longer be honored and that I would need to pay the full balance. I am making a good-faith effort to resolve this debt, but due to the financial hardship I experienced it is not possible for me to pay the full balance at this time. I am simply requesting that Citibank review my situation and allow me to settle the account for a reasonable amount similar to the settlement that was previously offered. My goal is to resolve this matter responsibly so that I can move forward and rebuild my financial stability. I respectfully request assistance in reaching a fair resolution so the account can be settled.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: FL

Complaint narrative:
Square continued to hold my money and play a verification all clear and seconds later unclear game with me a business owner I have verified my account multiple times with my ID and facial recognition including today only to receive an all clear and appearance of my {$110.00} dollar Square has been holding since last year the minute I attempted to transfer my funds out they disappeared and I received the we need to Verdot your identify notice again

Company response to consumer: Closed with explanation