vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: RI

Complaint narrative:
Name is XXXX XXXX and I formally requested the XXXX XXXX XXXX membership we currently had with the organization to be canceled immediately and I a requested that our down payment of {$9800.00} be credited back to my credit card account as soon as possible. I received a call from the XXXX  support team to discuss the contract details and it was mentioned that the food and drinks are NOT included in our membership. This is something that was never discussed nor mentioned during the sales process. It was told to me that during the sales process they would include all these Amenities. I canceled within XXXX  month of signing the contract and all I am asking for someone from the accounting team to please review my request and please provide me a full refund of the down 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
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint regarding fraudulent accounts appearing on my credit report. The following companies are reporting accounts that I did not open, authorize, or have any relationship with : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX 

I previously disputed these accounts with the credit bureaus. The bureaus responded that the accounts were verified or updated, but no proof was provided that I authorized or opened these accounts. 

These accounts are the result of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission and have documentation to support my claim. 

I am requesting that these companies immediately close the fraudulent accounts, cease reporting them to the credit bureaus, and remove all associated information from my credit reports in accordance with the Fair Credit Reporting Act, including FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 2026-01-20 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: FL

Complaint narrative:
On XX/XX/year>, I initiated a {$25000.00} ACH transfer from my Bank of America account to my XXXX account on the XXXX  app. Upon inserting the information, the XXXX app notified that there would be a {$42.00} charge to complete this transfer. I therefore, cancelled the transaction. On my XXXX statement, it shows the transaction was cancelled. On XX/XX/year>, my Bank of America account was debited by XXXX in the amount of {$25000.00}. Now, both Bank of America AND XXXX claim not to have the funds and can not tell me where my funds are at the moment. I have tried to resolve the issue with both institutions with no avail. Can you please help? Thank you, 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 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
Hi this is XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX and XXXX with XXXX. Im a XXXX XXXX XXXX XXXX on XXXX XXXX and I need help with my electric and gas monthly bills due to financial situations with in my family. I did all the requirements for me to find an organization that can help me in XXXX XXXX in the XXXXXXXX XXXX XXXX. XXXX Is an organization/ company that helps the needy family with utilities in XXXX XXXX XXXX the XXXXXXXX XXXX XXXX 
Not sure why XXXXXXXX XXXX XXXX hasnt gotten their monthly payments from XXXX  But Im currently reaching out to XXXX  to see whats the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Advanced Recovery Group LLC
State: TX

Complaint narrative:
I am submitting this formal complaint regarding improper collection activity and the erroneous application of a XXXX XXXX related to a XXXX XXXX XXXX  ( XXXX ) with XXXX XXXX. 
In XX/XX/XXXX, my business entered into an XXXX agreement with XXXX XXXX. The business permanently ceased operations in XX/XX/XXXX, at which time payments stopped. In XX/XX/XXXX, Advanced Recovery Group placed a XXXX XXXX that resulted in funds being restrained from my personal XXXX XXXX account. 
This action is improper for multiple reasons : The personal XXXX XXXX account has never been associated with the business, was not used for business operations, and was never pledged as collateral under the XXXX agreement. 
The alleged debt was fully discharged through bankruptcy in XX/XX/XXXX. As a result, the debt is no longer enforceable, and any collection activity related to it is prohibited. 
The continued application or maintenance of a XXXX XXXX against my personal assets constitutes post-discharge collection activity and is inconsistent with bankruptcy protections. 
I am requesting the following corrective actions immediately : Release and termination of any XXXX XXXX or restraint improperly applied to my personal account Written confirmation that the debt is recognized as discharged and no longer subject to collection Confirmation that no further collection or enforcement actions will be taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX XXXXs 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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arthur B. Adler & Associates, Ltd
State: CA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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: Untimely response
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/year>, XX/XX/year> and XX/XX/year>, I received everyday checking and savings account paperwork from Wells Fargo Bank, when I did not authorize an account being opened in my name. No money was deposited into the accounts. They did close out the account per their report sent to me on XX/XX/year> after calling 5 times and speaking with employees of Wells Fargo. They stated the account was opened online. I did make a police report with local authorities and place a fraud flag on my credit.

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 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
The debt collector received this account on or about XX/XX/year> and reported it to the credit bureaus immediately, without providing the required 30-day validation period under the FDCPA.

Reporting a debt to consumer reporting agencies is collection activity. By reporting the account before providing notice and allowing time to dispute, the collector violated 15 U.S.C. 1692g and overshadowed my statutory dispute rights.

The collector previously closed a CFPB complaint without addressing this timing violation. This complaint concerns improper credit reporting before validation, not merely verification of the account.

They also said i never provided proof of payment, i attached the email sent to them that was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
New XXXX originated with XXXX XXXX XX/XX/XXXX. 
Forced to take full draw ( not just close the loan and I could take draws as needed ). 
Wanted to pay back majority of the " forced draw '' for over a month and there was no ability to make a payment provided, leaving me owing interest on an amount I didn't want to borrow, if that makes sense. 

XXXX XXXX sold servicing to Shellpoint / Newrez with XXXX different effective dates. XXXX says XX/XX/XXXX the other paper letter says XX/XX/XXXX. 

Was sill not able to make payment. FINALLY was able to make a payment to XXXX XXXX ( even after servicing transfer ), to cover XX/XX/XXXX payment. 

As I continued to try & set up a portal for payments with Shellpoint, constant issues and they just said " keep waiting a few days ''. 

On XX/XX/XXXX I called Shellpoint. Their phone and portal was not recognizing my credentials still. 

I was asked to upload photo ID ( did that ), and thought the issue was done, until I was notified I could not set up payments because on their back-end, the last XXXX digits of my social security number were showing up as " XXXX ''. 

I am still- XXXX months after loan origination- unable to set up payments. I was told a supervisor could not help, and that things often happen on their back end with technology issues. I would like CFBP to investigate this company and my specific inability to get them to use my correct social security number- how will I receive a XXXX, and many more reasons this is unacceptable and a failure of basic consumer protection issues. A consumer should not be charged interest on a loan they are trying actively to make payments on ( pay down a chunk of principal ). Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint regarding fraudulent accounts appearing on my credit report. The following companies are reporting accounts that I did not open, authorize, or have any relationship with : XXXX XXXX / XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

I previously disputed these accounts with the credit bureaus. The bureaus responded that the accounts were verified or updated, but no proof was provided that I authorized or opened these accounts. 

These accounts are the result of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission and have documentation to support my claim. 

I am requesting that these companies immediately close the fraudulent accounts, cease reporting them to the credit bureaus, and remove all associated information from my credit reports in accordance with the Fair Credit Reporting Act, including FCRA 605B.

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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
Lender attempted to perfect a lien that was rejected by the Georgia XXXX. Title was returned to me clean. I did not authorize any electronic lien. Lender is now threatening repossession without a perfected security interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I am filing this complaint due to Community Choice Financial / Check Into Cash failing to comply with the representations it made to the Consumer Financial Protection Bureau in response to my prior CFPB complaint, case # XXXX. 

In the prior CFPB matter, the company admitted that my {$500.00} payment was mishandled and expressly stated in its written CFPB response dated XX/XX/year> that corrective action had been initiated. Specifically, the company stated that it had submitted a request to recall my account from XXXX XXXX XXXX XXXX XXXX, correctly apply the payment, and remove related credit bureau reporting. Based on those representations, the CFPB closed the complaint. 

Those corrective actions were never completed. 

Two weeks ago, I attempted to conduct business at a Check Into Cash storefront and was denied service. I was informed that my account had been sold to a third party. I subsequently contacted Community Choice Financials resolutions team, who confirmed that : The {$500.00} payment was never applied The account was not recalled from XXXX XXXX XXXX  The account remains sold to a third party The corrective actions described in the CFPB response were not carried out This directly contradicts the companys written representations to the CFPB and demonstrates noncompliance with the resolution that closed the prior complaint. 

I am requesting CFPB review of this matter as a failure to honor a prior CFPB complaint resolution, misrepresentation to a federal regulator, and continued mishandling of a consumer payment. I am seeking confirmation that the account is recalled, the payment is properly applied, all credit reporting is permanently removed, and that the company is held accountable for failing to execute the corrective actions it represented as complete. 

I have supporting documentation, including the prior CFPB complaint, the companys CFPB response admitting error, and confirmation from the companys own representatives that the promised corrective actions were not performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding Chase Banks ongoing and unjustified hold of {$19000.00} in credit card payments processed through my small business merchant account. 

I am the owner of a small business, XXXX XXXX My customers paid me legitimately via credit card for goods and services that were completed and delivered. There have been no chargebacks, no customer disputes, and no fraud associated with these transactions. 

Despite this, Chase placed a hold on {$19000.00} of my funds and has informed me they intend to hold the money for up to 120 days. I fully complied with their review process and submitted all requested documentation. My appeal was denied without a clear or specific explanation, and Chase has refused to release my funds. 

This action is causing immediate and severe financial harm to my business. I have employees, vendors, and operating expenses that must be paid. These are funds that rightfully belong to my business, and Chases decision to withhold them is preventing me from meeting basic financial obligations and continuing normal operations. 

A 120-day hold on legitimate, undisputed credit card transactions is unreasonable and punitive. Chase has not demonstrated any lawful or contractual justification for continuing to withhold these funds, nor have they provided transparency into the decision-making process. 

I am requesting the CFPBs assistance in requiring Chase Bank to immediately release the {$19000.00} being held and to provide a written explanation for why these funds were restricted in the first place. 

Thank you for your attention to this matter. I am requesting expedited review due to the immediate financial hardship this is causing my small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: OH

Complaint narrative:
My mortgage servicer Selene Finance ( XXXX XXXX, TX ) incorrectly claims I lack insurance in a letter dated XX/XX/year>. Insurance is active and I submitted a declarations page on XX/XX/year>. It was rejected on XX/XX/year> via email for no stated reason. Selene 's IVR and phone system at XXXX can not authenticate the loan address and repeatedly disconnected calls on XX/XX/year>. I am requesting written confirmation that insurance is recognized and that no forced-placed insurance will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is a second complaint submitted on a continued concern with this agency. 

They do not send account statements in a timely manner, then charge late payment fees and have threatened and reported incorrect delinquencies to my credit report. 

After months of requesting XXXX statement, they finally sent it on XX/XX/year>, and included XXXX statement as well. A payment was sent to cover both statements. 

I have then requested XXXX and XXXX statements, usually issued on the XXXX, and requested they waived late fees for nonpayments on statements they never sent me. I still dont have the latest XXXX statements and they reported delinquencies on my personal credit report, significantly impacting my credit score. 

I have XXXX XXXX in all communications for reference. I have requested they send me the latest statements with corrected balance waiving all late fees and retract the reported delinquencies, so I can pay the account in full and close the card. 

I waive the right to anonymous reporting and want the CFPB to publish this description on XXXX XXXX so others can learn from my experience, be aware of their lack of diligence and improper business operations. Their failure to meet contractual obligations of sending timely statements has been used to charge me late fees and make unlawful reports on my credit.

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