vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing a compliant regarding IQ Data International for abusive collection practices, unprofessional conduct, and refusal to allow me to speak with someone other than the same representative who behaved inappropriately. On XX/XX/year> I contacted IQ Data to discuss a small collection account they are reporting on my XXXX credit file. During this call, the representative became hostile and made a threatening statement. He told me he would " make sure I could never remove it '' from my credit report and refused to let me speak with compliance or any other representatives. This statement was intimating, retaliatory, and appears to violate the FDCPA 's prohibitions on harassment, abuse, and false or misleading representations. After this incident, I attempted to call back multiple times to resolve the matter with a different representative. However, IQ Data repeatedly routed me back to the same agent, even after I clearly requested to speak with someone else. I specifically asked for a supervisor, a different representative, or someone in their compliance department, and I was denied access to any other staff member. I was told they do not have supervisors nor a compliance department. In addition, IQ Data has restricted any ability to pay the account online, which prevents me from resolving the balance through their website. The restriction was not explained, and no alternative payment method was offered other than calling to speak with the same representative who acted unprofessionally. This has created an unnecessary battier to resolving he account and it appears retaliatory in nature. The forced routing and payment restriction prevented me from resolving the account, prevented me from negotiating in good faith, and created an environment where I felt intimated and un able to communicate with anyone other than this one representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Klover Holdings, Inc.
State: NY

Complaint narrative:
The company is stating they revoked my account months ago which is not true for reaching out to the cfpb that's retaliation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XXXX XXXX I cashed a check through chime mobile app in the amount of {$3500.00}. The system told me it would be deposited to me by Tuesday XXXX XXXX. On XXXX XXXX, I received an email stating my account was ineligible for refund and that my account was closed due to me being deceased. I called Chime and let them know that I am, in fact, not deceased and would like my account reopened and funds given to me. I was told that they would look into the issue of why my account was closed out and they would email me within XXXX hours. I still have not received a resolution from them and no one will give me a time frame on when this issue will be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This was disputed in court and was dismissed without prejudice. I want it to be removed from my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: TX

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I called the creditors Portfolio recovery, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I called to find out how much it was to settle my debt. They said that I would need to subscribe on a credit validation system and they will challenge all my accounts that are in collections. They said that i couldn't settle my accounts. XXXX XXXX XXXX is {$220.00} Portfolio Recovery is account XXXX is {$660.00}. account XXXX is {$3300.00} and account XXXX is {$1500.00} XXXX XXXX is {$450.00} XXXX XXXX me to look at my information. They charge XXXX dollar

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
This complaint is being filed as continuation of : COMPLAINT ID -- XXXX SUBMITTED ON -- XX/XX/XXXX And in Response To : NewRez CFPB Response on XX/XX/XXXX as resolution ( and closure ) of original complaint. Newrez has acknowledged that the failure to update insurance information on my account at the time of my loan assumption on XX/XX/XXXX was an inadvertent oversight. I appreciate the refund of {$6000.00} issued on XX/XX/XXXX. However, that refund did not make me whole and I want to explain precisely why. My escrow analysis was scheduled to occur in XX/XX/XXXX as part of my normal annual cycle. Under that timeline, with no erroneous disbursements and normal monthly contributions of {$950.00}, my escrow balance heading into that analysis would have been approximately $ XXXX {$6000.00} well above the {$3300.00} required starting balance. There would have been no shortage. What actually happened was a cascade of consequences that all trace back to Newrez 's original error : XXXX. Newrez failed to update insurance information at loan assumption in XX/XX/XXXX. XXXX. An erroneous {$6000.00} payment was made on XX/XX/XXXX to XXXX XXXX for the prior owner 's policy, sending my escrow to - {$4300.00}. XXXX. I was forced to file a CFPB complaint to get this corrected. XXXX. That complaint triggered an early escrow analysis on XXXX XXXX XXXX months before it was scheduled. XXXX. The analysis was run at the exact moment my escrow was at its lowest post-refund point, {$3000.00}, before normal contributions had time to rebuild the required cushion of {$1400.00}. XXXX. The result was a {$2200.00} shortage that I am now being asked to repay at {$180.00} per month for 12 months, raising my monthly payment by {$210.00}. This shortage would not exist if the escrow analysis had run on its normal XXXX schedule. It only exists because the analysis was triggered early by a complaint I had to file because of Newrez 's error. I was effectively penalized twice first by the error itself, and now by the timing of its correction.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National credit systems Are reporting that I owe {$11000.00} to the credit bureaus and I have told them multiple times. This debt does not belong to me also to send me proof which they have done either. Can you you please contact them and have them resolve this situation and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year>, my PayPal Credit Card account had a balance of {$7200.00}. On that same day, I submitted a full payment for the entire balance in the amount of {$7200.00}. Unfortunately, I mistakenly submitted a duplicate payment for the same amount immediately afterward. As soon as I realized the error, I contacted PayPal customer service to request cancellation of the duplicate payment. I explained the situation in detail and was informed that PayPal was unable to cancel or modify the second payment. I was then advised to contact my bank, XXXX, to stop the duplicate transaction. Following PayPals instructions, I contacted XXXXXXXX XXXX and explained that I had accidentally scheduled two identical payments. XXXX subsequently stopped both payments while the issue was being addressed. A few days later, Synchrony Bank closed my account and claimed that I had defaulted on my obligation. This characterization is inaccurate and unfair. At no point was there any intent to avoid payment or default on the account. The situation resulted solely from an accidental duplicate payment and the instructions I received from PayPal representatives regarding how to resolve the matter. I respectfully request that Synchrony Bank review the circumstances surrounding this incident, reconsider the account closure, and correct any negative reporting associated with this matter.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has continued to overdraft my account after I called them and explicitly told them to remove my account from overdraft. They have continued to charge me {$35.00} per instance XXXX separate times all for instances less than that amount. We have also filed a complaint with Wells Fargo and they have not resolved the situation. I feel that Wells Fargo has acted in a manner that does not protect me as a consumer, but only protects their profit margin in an aggressive and un- American way.

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 2026-05-27 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: U.S. BANCORP
State: WA

Complaint narrative:
Complaint against : U.S. Bank ( Visa credit card issuer ) Account number : XXXX Date of issue : XX/XX/XXXX Description of the problem : In XX/XX/XXXX, I placed an order for {$60.00} worth of merchandise on XXXX The order confirmation stated an expected delivery window of XXXX weeks. Near the end of that XXXX period, XXXX emailed me acknowledging delays and extending the delivery by an additional XXXX weeks.Over the following months, I sent approximately XXXX emails to XXXX requesting a shipping update or tracking number. I received only XXXX generic apology email with no follow-up, no tracking information, and no product. After waiting more than 8 months with no delivery, I contacted U.S. Bank Visa in early XX/XX/XXXX to dispute the charge for non-delivery of merchandise.U.S. Bank initially issued a provisional credit. However, approximately XXXX weeks later, the bank reversed that credit without sending me any notice or explanation. When I called this morning ( XX/XX/XXXX ) and spoke with supervisor XXXX, she stated that disputes filed after 60 days are invalid. This ignores the fact that the merchant explicitly promised ( and then extended ) a much longer delivery timeline.Under the Fair Credit Billing Act and Visa chargeback rules for non-receipt of merchandise, consumers have rights to dispute charges when goods are not delivered as agreed especially when the merchant acknowledges delays. The expected delivery date was well beyond the original transaction date, and my dispute was filed within reasonable timeframes given the circumstances. I have provided U.S. Bank with documentation including : Order confirmation from XXXX ( XX/XX/XXXX ) XXXX delay/extension emailCopies of my multiple follow-up emails to XXXX showing no resolution or deliveryDespite this, U.S. Bank has refused to honor the dispute. I am now out both the {$60.00} and the merchandise, with no assistance from either the merchant or my card issuer. Requested resolution : Please require U.S. Bank to reinstate the full {$60.00} credit, investigate the dispute properly under FCBA and Visa rules, and provide me with a written explanation of their decision. I also request any applicable late fees or interest related to this disputed charge be reversed.

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 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am filing a complaint regarding a promotional bonus denial for an American Express XXXX XXXX XXXX Account. I opened the account through a targeted promotional offer and funded it with the required amount intended to qualify for a {$500.00} bonus. On XX/XX/XXXX, the system reflected the transferred funds as not available, even though from my perspective the deposit had already posted to the account. The transaction history also later showed that the funds were credited on that same date. However, due to the way American Express classified the funds during processing, my available balance was temporarily treated as falling below the required threshold during the promotional qualification period. Although the funds had already been transferred and were reflected in the account as posted, American Express later determined that I was ineligible for the promotion because the available balance temporarily dropped below the threshold on a single day. From a customer perspective, the distinction between posted funds and available funds was not clearly or operationally transparent at the time the funds were in the account. The account balance appeared to satisfy the requirement based on posted funds, and there was no clear indication that the funds would not count toward the promotional requirement during the clearing process. I believe this resulted in a technical and timing-related discrepancy rather than an intentional failure to maintain the required funds. I acted in good faith to meet all promotional requirements as reasonably understood based on the account information provided. And in the statement there is no single day the balance is below XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
An agreed upon settlement amount was reached, XXXX out XXXX payments have been made. But there seems to be a reneging on agreement. Just because the payment is coming from a different source.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding SoFis handling of a debit card dispute involving XXXX XXXX. I paid XXXX XXXX {$10000.00} for prepaid flight training services. After partially attending the program, a substantial portion of the prepaid services remained unused, including an unstarted XXXX add-on portion. I disputed the transaction with SoFi. During and after the dispute process, the merchant provided new written communications confirming that : * XXXX XXXX approved a refund totaling {$6100.00} for unused prepaid services. * The merchant stated the refund would be processed within 90 days. * The merchant later admitted the refund had still not been issued due to financial hardship affecting outstanding refunds. I provided these updated communications to SoFi during my appeal request and explained that this was no longer simply a service dispute, but an approved refund that the merchant failed to issue. Despite this new evidence, SoFi denied the appeal and closed the dispute without providing meaningful explanation regarding consideration of the updated documentation. I am requesting review of SoFis dispute handling and reconsideration process in light of the merchants written acknowledgment of the refund obligation and failure to issue payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XX/XX/year> : I was on the phone helping my sister set up XXXX on XXXX XXXX XXXX and I was going through the steps with her on my own phone. I ended up linking my XXXX account to XXXX XXXX XXXX on accident when I already had it linked to Ally bank. I tried to switch it back to Ally but it seemed that my account had been suspended. XX/XX/year> : Called Ally. I was told that they sent a request to lift my suspension and it should be fine it 5-7 business days XX/XX/year> : Called Ally again. I was told that I need to create a new token, then they noticed my account was still suspended and it should be lifted in 1-2 business days. XX/XX/year> : Called Ally again. They stated they are still waiting and they do not have a timeline for when it will be resolved. I was told that my account is being investigated for fraud. XX/XX/year> : Called Ally again. They stated my request had been processed on that day XX/XX/year> and after it is processed it usually takes 1-2 business days. XX/XX/year> : Called Ally again. Placed on hold, on and off, for about an hour. Representative told me she is unable to get in contact with the specialist needed. XX/XX/year> : Called XXXX. They would not take my call and proceeded to urge me to call my bank directly. XX/XX/year> : Called Ally again. I am now told that unless I change my phone number, I will no longer be able to use XXXX. I am told that they are unable to lift the suspension because it was not placed by them. They are unable to tell me who placed the suspension but I can try calling 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 non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I can not pay this loan. I also told the company I can not afford to pay it and they don't acre they are still asking for payment. Another thing I dont remember taking out some of these loans.

Company response to consumer: Closed with explanation