vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I applied for the Home Depot credit card and was approved. I was sent a virtual card vie email link to make purchases while waiting for my physical card. none of the virtual cards they sent me worked online. I went into the store and they would not work there. The store called citi bank and we were told it is pending an authorization and I would receive a call or a letter in the mail even though I had already been approved for the card. I never received a call or letter but I did receive my physical card. When attempting to make the same initial purchase in store with the cards, it was declined. We called citi bank and were told the same excuse about an authorization letter and phone call. I again never received any letter or call. I asked to close my account because it is already showing up on my credit report yet for some reason I can not use my card. I was told that they can not cancel my card UNTIL THE AUTHORIZATION LETTER OR PHONE CALL!! I still never received the letter or call. I called them again today and was only told the same exact excuse even when I told them I have been told this already and I have not received anything. I told them again to close my account and they still gave me the same excuse.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc.
State: AZ

Complaint narrative:
I am submitting this complaint regarding repeated and excessive phone calls I have received from Alliance One at XXXX. The company has been calling me multiple times per day in an attempt to collect on a debt that I do not recognize. I have not been provided with sufficient information to identify or validate this alleged debt. These calls are disruptive and occur during my work hours, which is unacceptable. The frequency of the calls feels harassing, and I have not given consent to be contacted in this manner. Additionally, I do not know how Alliance One obtained my phone number. I do not authorize them to use my number for debt collection purposes. I am requesting the following : That Alliance One immediately cease all phone calls to my number That my phone number be removed from their contact system That any further communication, if necessary, be made only in writing That they provide proper validation of the alleged debt, if it is legitimate I believe this behavior may violate the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding harassment and excessive communication. I am seeking assistance in resolving this matter and ensuring that these calls stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have shared FTC reports, police report file numbers, shared all of the other accounts that were falsely opened in my name and resolved. I sent them evidence that all 3 credit bureaus have wiped this fraudulent activity from my credit, and yet, the company still sold my account to collections. I have spoken with representatives on the phone multiple times over the past year, sent in all evidence multiple times, and asked to speak with managers or someone in the fraud department. This has been ongoing for 2 years, and now I'm dealing with collections. All other accounts opened- XXXX credit card, apartment rental, and car rentals have been cleared, but XXXX continues to pursue this debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Complaint Summary Missing Wire Transfer Credit I initiated a wire transfer from my Bank of America account on XX/XX/year>, for an amount of {$1200.00} to my XXXX XXXX account. The funds were successfully debited from my Bank of America account on the same day, and I received a wire transfer advice confirming the transaction. However, the funds have not been credited to my XXXX account, and there is no visibility on the status of the transfer. Transaction Details : Date of Transaction : XX/XX/year> Amount : {$1200.00} Bank : Bank of America , N.A . Transaction Reference : XXXX Service Reference : XXXX Related Reference : XXXX Originator : XXXX XXXX XXXX XXXX Bank : XXXX XXXX XXXX XXXX Payment Detail : Final credit to account XXXX ( XXXX XXXX ) Despite the debit being completed, the receiving account has not been credited, and there has been no resolution or clear update from the bank. I request an immediate investigation into this transaction and prompt resolution, including either : Crediting the funds to the intended XXXX account, or Reversing the transaction and returning the funds to my Bank of America account. This delay is causing financial inconvenience, and I would appreciate urgent attention to resolve this issue. Thank you.

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 2026-04-22 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: FL

Complaint narrative:
XXXX XXXX XXXX responded to my prior CFPB complaint on XX/XX/XXXX and failed to address the specific legal grounds raised in my dispute. I submitted feedback on XX/XX/XXXX pushing back on their inadequate response. I am filing this new complaint to document the continuing unresolved violations. First, this is a joint account where I am listed as co-buyer. XXXX XXXX XXXX is reporting the full {$22000.00} charge-off balance attributed entirely to me as co-buyer without providing documentation establishing my individual liability separate from the primary buyer. The full balance of a joint account can not be attributed to the co-buyer without documentation establishing individual liability. Second, XXXX XXXX XXXX confirmed five payment extensions were approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and that those months were reported as D meaning no payment history available. While they explained the reason for the No Data gaps, they did not address why approved payment extensions were not documented in the payment history in a way that accurately reflects the account status during those periods. Third, this account simultaneously reports a charge-off status and a past due balance across multiple bureaus. These are contradictory designations that constitute a documented dual status error. XXXX XXXX XXXX did not address this in their response. Fourth, XXXX XXXX XXXX confirmed on XX/XX/XXXX this account was placed with XXXX XXXX as a third party collector. If XXXX XXXX is separately reporting this debt to any credit bureau while XXXX XXXX XXXX is also reporting the same charge-off, that constitutes duplicate reporting of the same underlying obligation in violation of FCRA accuracy standards. A direct furnisher dispute letter was sent to XXXX XXXX XXXX on XX/XX/XXXX via certified mail. The 30 day response deadline is approximately XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
On XX/XX/year> I settled the only debt account I have with the CBE Group. I owed XXXX XXXX but was given the option to settle for {$300.00} which i accepted and paid. After around a week and it still not coming off of my credit I filed disputes which were denied because CBE Reported the information as correct even though I attached a screenshot of my receipt to all of the disputes. I decided today ( XX/XX/year> ) to look again at my payment confirmation email ( attached picture ). On the email there is a button labeled view account which I clicked and that took me to CBE Groups website which also states exactly what Ive stated ( attached picture ). On that page of their website was a phone number. I hit the button and was connected with a representative. He said it showed on his system that it was still open. I said I am on your system now and it says I paid and have a XXXX balance and couldnt pay something even if I wanted to ( attached picture ). He said he could see that I settled the account but couldnt figure out how to remove or delete it or do anything of significance. After more than a half hour of unproductive talking on the phone he said he couldnt do anything and that Id have to send their own receipt back to them through the dispute center of their website ( which I have confirmed does not exist ). In summary I paid this, I have proof, they have the proof, the credit bureaus have the proof, and somehow none of them are accepting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Complaint Against JPMorgan Chase Bank , N.A . I am writing to formally file a complaint regarding a restriction placed on my bank account by JPMorgan Chase Bank. On or about XX/XX/year>. I discovered that a hold/restriction had been placed on my account ( s ), preventing me from accessing funds totaling approximately {$55000.00}. This includes both my checking and savings balances. Despite contacting the bank, I have not received a clear explanation for the hold, nor a definitive timeline for when my funds will be made available. The lack of transparency and delay in resolving this issue has caused significant financial stress and hardship. I respectfully request that JPMorgan Chase : Provide a clear and specific reason for the hold on my account. Release my funds immediately if no legal or regulatory justification exists. Provide a written explanation of any compliance review, including expected resolution timelines. This situation is urgent, as I rely on access to my funds for essential financial obligations.I appreciate your prompt attention to this matter and request a timely resolution. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I sent a written cease-and-desist letter to Meridian Financial Services, Inc. , instructing them to immediately cease all communication with me regarding the alleged debt. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). Despite this formal notice, Meridian Financial Services continued to contact me : On XX/XX/year> at XXXX XXXX, I received a phone call from a representative identifying herself as XXXX. On XX/XX/year> at XXXX XXXX, I received another phone call from the same individual, XXXX. These communications occurred after my cease-and-desist request and constitute a direct violation of federal law. Once a consumer submits a written request to cease communication, a debt collector is legally required to stop further contact except under very limited circumstances, none of which apply here. Meridian Financial Services actions demonstrate a clear disregard for consumer protections and federal compliance requirements. Legal Violations Their conduct violates, but is not limited to : 15 U.S.C. 1692c ( c ) Continued communication after written cease request 15 U.S.C. 1692d Harassing, oppressive, or abusive conduct through repeated unwanted contact I demand the following : 1. Immediate cessation of all communication with me 2. Written confirmation that my cease-and-desist request has been honored 3. Validation of the alleged debt, including proof of legal authority to collect 4. Removal of any tradeline reported to consumer reporting agencies, if applicable 5. Internal compliance review to prevent further violations Failure to comply will result in escalation, including pursuit of statutory damages under the FDCPA.

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 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: IL

Complaint narrative:
I obtained this mortgage last XX/XX/XXXX at that time I set up automatic debating I was always under the impression that my account would be debited on the date I was asking and set it up to be on the XXXX of each month and it was in agreement but the first debt happen XX/XX/XXXX. After they didnt debt the account when they were suppose to they are charging a late fee that I tried disputing they are refusing when it was their fault of not debiting the account on time. When I made the payment XX/XX/XXXX I called it in and spoke with a live person that said the late fee would be waived. Now they are trying to hold it against me for what they didnt do.

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 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute a debt collection account reported by XXXX XXXX on my credit report. This account, with the last four digits XXXX, shows a balance of {$200.00} in collections status on my TransUnion credit report. However, this debt is not mine, and I have never had any business or agreement with XXXX XXXX My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. On XX/XX/XXXX, I filed a dispute regarding the incorrect details of this account on my credit report, but unfortunately, no corrective action has been taken. The presence of this erroneous account on my credit report has significantly impacted my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This has further resulted in my inability to secure favorable credit terms, affecting my financial stability and causing undue stress. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and expect the credit reporting agencies to ensure the accuracy and integrity of the information they report. Since TrueAccord C is attempting to collect a debt that I do not owe, I believe this also contravenes the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from engaging in deceptive practices. I kindly request the complete removal of this account from all three credit bureausXXXX XXXX, and XXXX. This account is not mine, and its presence is unjustly affecting my creditworthiness. I urge TrueAccord C and the credit bureaus to promptly investigate this matter and correct the records, ensuring my credit report reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a debt being collected by National Credit Systems , Inc. that I dispute in full. This debt is related to a former apartment managed by XXXX XXXX XXXX. I moved out in XX/XX/2024 after being informed my lease would not be renewed and was required to vacate before XX/XX/2024. I paid a {$700.00} security deposit, which was never returned. I also paid {$1300.00} for XX/XX/2024 and an additional {$300.00} on XX/XX/2024, despite moving out early, and I did not receive any refund or proper accounting. The apartment is now claiming I owe {$1500.00} in damages, but only provided a vague statement with general descriptions such as carpet, blinds, and door replacement. No itemized breakdown, receipts, invoices, or photographic evidence has been provided to support these charges. Additionally, I did not receive proper notice of these charges. My resident account was deactivated the same day the disposition letter was supposedly sent, and I did not receive the required documentation. I believe this is an attempt to collect an unverified and disputed debt. I am requesting full validation of the debt, including proper documentation of all charges. I also request that this account be marked as disputed and not reported inaccurately to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I was in the process of filing bankruptcy. I first found out my home was sold at auction the day of filing bankruptcy. For the weeks prior I was with an attorney gathering the documents. Bankruptcy was officially filed the day after an auction / foreclosure sale. I received current mortgage statements even during the foreclosure ; monthly from the company including an option to cure the loan. A few months prior my EFT was XXXX from the company and I submitted an application for loan modification and they applied it to a different mortgage. I received information I overpaid by {$5000.00} and they held the money to apply to any unpaid mortgage but it never happened. I never received any notice of a sale or auction of the home. They only provided a return of service indicating they left the information with a co-resident of the home which I do not have. They did not show any proof of signature and the person listed is not a resident of the home. No other proof or notice was sent. No notice from the courts on any court hearing. My bankruptcy lawyer notified me when they tried to send notice of bankruptcy to the loan company and they told them the home was sold the day before. Again, I only found out about the sale of the home one day after it was sold when bankruptcy was filed. The home was sold way below fair market value. No notice of a sale or court hearing was sent to me.

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