vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have been making payments on this account with Ally Finacial since day one. The account is in my significant others name. I am on the loan as co-owner due to the fact my credit score was below XXXX. I am the one making the payment. Never miss a payment, I was having payments come out of my retirement and XXXX twice a month which they agreed too, these payments came out through bill pay set up by XXXX & XXXX bank which they messed up they were sending the money to the wrong account at Ally Financial. XXXX & XXXX was sending my money to Ally Financials another office. When I found our when we tried to refinance our mortgage I was told we were five payments behind, I was totally upset but later I found out XXXX & XXXX made a mistake, this info was sent to them acknowledging that They made the mistake. Got that straight now I call payment in twice a month pay an extra {$4.00} and not I get a later stating we are past due. Not right I have bank document showing that I have not missed a payment, plus Ally Financial has trashed XXXX XXXX credit score as well as mine where I had to File a XXXX XXXX. We need help we are doing what is required but getting really his/my XXXX XXXX messed up. Please help. Thank you Very Much

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened a money market account with XXXX XXXX and successfully funded it with {$100.00} from my account with Huntington. After that was complete, I then attempted to transfer {$15000.00} from my Huntington account on XX/XX/year> into my XXXX money market account. On Monday, XX/XX/year>, Huntington cancelled my transfer and revoked access to my account. I have spoken with 5 individuals who continue to insist that I provide a bank statement from XXXX in order to restore account access. My account is brand new with XXXX and I will not have an official statement for 30 days. I have explained that to Huntington and they refuse to restore access to my funds. This seems like more than just fraud prevention and feels more like a questionable asset retention policy. Access to my funds at Huntington should not be dependent on my ability validate ownership of an account at another institution. At this point they have failed to execute a fully authorized and verified transfer request and subsequently revoked all online access to my account which will prevent me from paying my mortgage on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
I am attempting to close my Crypto.com account and have a remaining balance of {$3.00} on my XXXX XXXX prepaid card. Crypto.com support was contacted to request that the balance be mailed or transferred to my bank account on file. They declined and stated I must spend the balance myself. The methods suggested by their support team were unworkable, as the card is virtual only and no online merchant offers a purchase option for exactly {$3.00} after taxes and fees. Despite repeated attempts to find a resolution through their support channel, no viable solution was provided. This {$3.00} balance is the sole remaining obstacle to closing my account entirely. I have a prior formal demand letter on file with Crypto.com dated XX/XX/year>, regarding separate but related bad faith conduct, including unexplained account suspension and wrongful withholding of funds. This card balance issue is consistent with that documented pattern of conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: VA

Complaint narrative:
To Whom It May Concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX CT XXXX VA 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 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: OK

Complaint narrative:
Caller identifies as United Collections Bureau ( UCB ) calling from : XXXX. I've done no buisness with this agency and the online reports return medical fruad. My identity was stolen in and found on the darkweb as well as medical fruad. Companies are charging for services that were not even provided or were provided without consent. My identity has been stolen and still receiving harrassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: LA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/year> my checking and savings account were frozen and my account was closed. For no reason to my knowledge. I have been told two different things after calling to gain access to my account. One was being that I had a dispute pending, I asked for that to be canceled, then the rep tells me after being on hold that I have to wait for my pending transaction to clear. If I still had access to my account me withdrawing money wouldnt be an issue. I strongly believe that they closed my account and froze my money was to due to the dispute and them collecting XXXX $ on XX/XX/year> out of my account. I had pushed back against that being as though they had an overwhelming amount of evidence supporting my claim of the company committing fraud. I am suffering mentally and emotionally behind them freezing my account. My rent, and other bills are not going to be paid because of this. All I ask is for my money to be released from my checking and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Subject : Debt Verification & Dispute Request for Validation Dear Credit Collection Services XXXX Department, I am writing regarding the above-referenced account. I am formally requesting validation of this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, I dispute the accuracy of this debt for the following reasons : 1. The address on this billing statement Credit services sent me isnt my address never lived there a day in my life 2. Billing error or fraud committed 3. I live in XXXX XXXX Georgia Under the FDCPA, I request that you provide : The original creditors name and address. Copies of any signed agreements or contracts validating the debt. chain of title Transfer of assignment License to collect on this debt Additionally, under the FCRA, I request that any inaccurate reporting to credit bureaus be corrected or removed until this dispute is fully investigated. Please provide written verification of the debt and cease any collection efforts until verification is provided. I request that all communications regarding this dispute be in writing. Please confirm receipt of this letter and provide the requested documentation within 30 days, as required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX 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 2026-03-31 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I had a problem with XXXX and was inadvertently charged with 2 payments amounting to {$160.00} each for tax preparation that was not finalized. The CSR for XXXX XXXX identified the problem and immediately adjusted, refunding {$320.00} to me on XXXX, which resolved the issue. That is, until Wells Fargo took it upon itself to reverse the credit thus placing me into balance due for a situation which had already been resolved. They later sent correspondence stating that this was a valid adjustment. Now this was like a slap in the face to me, totally disregarding my concerns that they had no business unfixing what had just been fixed, with a very dismissive attitude, subtly implying that some form of fraud may have been undertaken, which was total XXXX XXXX. All the agents at XXXX were very helpful and professional, unlike Wells Fargo XXXX. The XXXX agent who fixed this discrepancy also informed me that I was charged {$150.00} for tax prep submitted on XXXX, and he made 3 additional adjustments amounting to about a {$70.00} decrease.

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 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing a complaint against the credit reporting agencies for failure to comply with the Fair Credit Reporting Act. I have disputed inaccurate accounts multiple times. The accounts remain on my report without proper verification. These actions violate : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) The following accounts must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there are unauthorized inquiries on my report that violate 15 U.S.C. 1681b. I am requesting : Immediate deletion of all unverifiable accounts Removal of unauthorized inquiries Failure to resolve this matter will result in legal action.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: FL

Complaint narrative:
Elan credit card company keep raising my monthly rate it went from {$20.00} to {$40.00} and my limit is only {$250.00} I had a manager I spoke to on XX/XX/year> she was so nasty and rude all she did was yell at me and told me the reason why it went up is because my balance went up but my balance only went up by {$100.00} so I would like this to be the resolve

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, a total of eleven unauthorized transactions were made using my card, including ten charges of {$39.00} and one charge of {$9.00}, totaling approximately {$400.00}. These charges were processed through XXXX but are associated with an XXXX XXXX that does not belong to me and uses an email address I do not recognize. The billing location listed for these transactions is in Delaware, which is incorrect, as I reside in XXXX, Texas and have never used that address. The billing information tied to these transactions does not match my personal information. Claim Number : XXXX XXXX XXXX XXXX : XXXX I did not authorize these transactions, did not provide my card information to this account, and did not receive any goods or services from these charges. I contacted XXXX and requested a second review. XXXX denied the refund based on internal policy but indicated the charges appear to be fraudulent and advised me to work with my bank. I filed a fraud dispute with Chase, which was denied twice. I have since contacted Chase again and requested escalation, and the claim has been reopened. I am concerned that the investigation relied on merchant confirmation rather than verifying whether I, the cardholder, actually authorized these transactions. I also did not receive any fraud alerts or notifications from Chase regarding these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bilt Technologies, Inc.
State: PA

Complaint narrative:
I am filing this complaint regarding a balance transfer and duplicate payment issue involving XXXX XXXX and Bilt XXXX. Due to a lack of coordination between the two institutions, I am currently being held responsible for a balance that appears to have already been paid. Timeline of Events - Early XX/XX/year> Within the XXXX XXXX, I was prompted to continue using Bilt under a new issuing institution. I agreed to proceed. As part of this process, I was also asked whether I wanted to transfer my existing balance from XXXX XXXX to Bilt. I selected yes, without fully understanding the implications of a balance transfer. After this, I did not cancel my existing autopay with XXXX XXXX, which later resulted in an additional payment being made. XXXX 2026 ( approximately XX/XX/year> ) The balance transfer of {$1200.00} was processed. XXXX XXXX, 2026 My XXXX XXXX autopay remained active, and a full statement balance payment of {$1200.00} was automatically withdrawn from my bank account. This resulted in a duplicate payment, as the balance transfer had already been processed. -Late XX/XX/year> My XXXX XXXX account reflected a {$0.00} balance and was subsequently closed. XXXX XX/XX/year> After reviewing my account activity, I discovered that the transferred balance from XXXX XXXX had not been written off or cancelled on the Bilt account, despite the XXXX XXXX XXXX already being paid. There were initial difficulties accessing complete transaction details in the XXXX XXXX, but this was not the primary issue. Current Issue I have effectively paid the same balance twice : - Through the balance transfer initiated by Bilt - Through XXXX XXXX XXXX - XXXX XXXX shows the balance as fully paid and the account closed - Bilt continues to hold me responsible for the transferred balance Attempts to Resolve- I contacted Bilt, who directed me to XXXX XXXX- I contacted XXXX XXXX, who directed me back to Bilt - I have contacted both banks no less than 3 times each and each claims they have no ways to resolve the issue. - they claimed that they have opened up tickets for me but when i reached back 2 weeks later the ticket was closed with no action taken to inform me. I later opened a new ticket and ask for an ETA, they were unable to provide. The issue remains unresolved, with no clear explanation of how the duplicate payment was handled

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
M & T Bank issued me a Form 1099 for a {$50.00} referral bonus that I did not receive. In 2025, the bonus was provided via a XXXX debit card with a short expiration period ( approximately three months ). I did not use the funds before the card expired, and the bank later reclaimed the {$50.00}. My transaction history clearly shows that the {$50.00} was credited and then fully reversed as an " Expired Account Balance Reversal, '' leaving a balance of {$0.00}. Despite this, M & T Bank reported the {$50.00} as taxable income. I did not have actual or constructive receipt of these funds. I contacted M & T Bank customer service three times and spoke with supervisors, but no correction has been made. I was repeatedly told to wait, and no updated Form 1099 has been issued. I am requesting that M & T Bank correct the inaccurate tax reporting and issue a corrected Form 1099.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/year>, I attempted to make a payment on my Barclays credit card using my business bank account at XXXX XXXX. The payment was declined solely due to a bank-imposed fraud protection limit, not due to insufficient funds or any issue with the account. I immediately resolved the issue with XXXX XXXX, and the account was confirmed to be valid and able to process payments. On a recorded call, representatives from both Barclays and XXXX XXXX verified that the account is valid. Despite this, Barclays has flagged my bank account as inactive within their system and is preventing me from re-adding it or making a payment. I have made multiple attempts to resolve this by phone, but I am repeatedly told that the department responsible for resolving this issue can not be reached directly and no resolution has been provided. As a result, Barclays is currently preventing me from making a payment despite my repeated good-faith efforts to do so. My payment is now overdue, and interest and potential fees are accruing as a direct result of Barclays internal system restrictions. Additionally, Barclays representatives have stated that they can not guarantee that this situation will not be reported to credit bureaus, despite the fact that their system is preventing me from making a payment. I am ready, willing, and able to make payment, but Barclays is blocking all reasonable means to do so. I am requesting that Barclays : Immediately restore my ability to make a payment or manually accept payment, Remove the improper restriction on my bank account, Waive all interest and fees resulting from this issue, and Confirm that no negative credit reporting will occur related to this matter. Barclays actions are directly causing financial harm and risk of reputational damage by preventing timely payment.

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