vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I am writing in response to your communication regarding an alleged debt referenced above. This letter serves as a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : The name and address of the original creditor. 

The total amount of the alleged debt, including an itemization of principal, interest, fees, and any other charges. 

Copies of any written agreement or contract bearing my signature that establishes my legal obligation to pay this debt. 
Copies of any written agreement or contract bearing my signature that establishes my legal obligation to pay this debt. 

Documentation showing that you are legally authorized to collect this debt, including proof of assignment or ownership. 

The date of default and the date the debt was acquired by your company. 

The last payment date and amount, if applicable. 

Until you provide the requested validation, you must cease all collection activities, including reporting or verifying this debt to any consumer reporting agency. 

If you have already reported this debt to a credit bureau, please note that failure to validate the debt constitutes a violation of the FDCPA and may also violate the Fair Credit Reporting Act ( FCRA ). 

This request is not an acknowledgment of liability for the alleged debt. 

Please provide the requested documentation in writing at the address listed below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america had a pre paid debit card for me and it was lost by post office. A claim was submitted to reclaim funds that were owed to me for the financial hardship. I didn't get to make payments for ivf and get toothpaste that I normally buy and mouthwash and incured XXXX both husband and me on teeth. They didn't compensate me for the situation.

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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
On XX/XX/year>, I received an email saying my password had been changed and to contact MoneyGram immediately if it wasnt me. Shortly after I got XXXX email saying {$25.00} is being transferred then XXXX more saying {$800.00} is being transferred. Thankfully, subsequent transfers were flagged because I got an email saying it didnt go through. 

MoneyGram said they couldnt do anything ; despite, me calling them immediately afterwards. They did disable my account. My partner had to fight just to get someone to listen to us and make a fraud case against them. 

The same day, we contacted our bank fraud dept. Theyve given us XXXX XXXX. 

Today, XXXX we got an email from MoneyGram saying they cant uphold our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
This is not my account. I never requested any account with Barclays. I did not apply, or did not authorize creation of a new account. I did not provide personal information or authorize transfer to a new account. The incorrect and improper charges, late fees being applied ( now in the hundreds of dollars ) and reported as " late '' to the credit bureaus have caused harm to me and my family.

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 2026-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I paid USD XXXX for a one-year subscription from XXXX, processed through XXXX / XXXX. The subscription was advertised as providing unlimited or very high-volume video downloads as part of the annual membership. 
After downloading approximately XXXX videos, my account displayed an error message stating Free download limit reached and prompted me to purchase an additional Premium plan, which was inconsistent with the advertised benefits. 
I contacted the merchants customer support on multiple occasions, providing screenshots of the error message and requesting a resolution so I could access the paid service. The merchant responded that everything was working correctly but did not restore access or provide a refund. 
After I initiated a dispute with Capital One, the merchant blocked my account and terminated access, making it impossible to use the subscription I had paid for. 
The merchant has now confirmed in writing that my account can not be restored. Despite having no access to the service, Capital One closed my dispute in favor of the merchant, and I am still being held responsible for the full charge. 
I am requesting reconsideration, partial credit, or reversal due to non-delivery of the paid service and loss of access

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX is over XXXX XXXX XXXX and just reported for not paying XXXX dollars I never received any payment request or mail or phone call about this they could not tell me what it was for or who opened the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XXXXI have been trying to get a statement letter saying my bank account is closed. I was told by customer support 3 times this would be taken care of. \n\n1. I called and asked Ally Bank for a statement closure stating my bank account is closed and my SSA needed this letter by XXXX.  Ally Bank informed a letter would be sent to me in 3-4 business days. this was over 2 weeks ago.\n\nI called again and talked with ally customer support for an 1 1/2 hours and nothing was accomplished? \n\nI called Monday XXXX and was told this would be sent to my ally bank message system. I was told to use the ally bank log in and go to preference and ? to see if my statement is there as the agent stated it was. I looked and talked and looked and talked and nothing was sent? \n\nI was told the agent would email this to me to which I don't believe buy all the information I stated above. \n\nI need this letter of statement to give to my SSA for proof that it is closed. \n\nThis is all I want and need and not sure what is going on?"

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 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Statement balance was paid in full XX/XX/XXXX. Resulting to the balance being at XXXX. I was then charged on the XXXX for XXXX of interest and an extra fee of {$1.00}. They are refusing to remove the interest charge saying its because that was last statements balance but I paid last statements interest already and also paid an payment on the XXXX of XX/XX/year>. There was a lot of hidden fees adding up on top of the interest.

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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is another complaint following a previous one number XXXX in which l asked Bank of America for details and footage of me trying to deposit my money. I provided a USB containing pictures and videos of what the ATM did during the transaction. The ATM took all the money, went crazy and returned some of the bills inserted and then it went out of service. Out of my deposit of {$5000.00} only {$1500.00} were returned by the machine and the claim is for the rest. Bank of America returned {$80.00} stating that this is the amount they received. I keep asking them how come they came up with {$80.00} when l inserted {$100.00} bills only??, there is no answer on that, there is no answer on the footage and there is only a letter stating that they completed the investigation and there is no record of a deposit made on XX/XX/XXXX, but of course there is no record, THE ATM WENT OUT OF SERVICE!! This is what they dont understand and whoever is handling this claim is not reviewing the footage of me inserting the cash and having trouble with the machine but they dont want to show it to me because they know is true. I provided my proof of pictures and videos but they dont provide anything but a letter stating that they are clearly robbing me of my money changing the amount on dispute. Original deposit {$5000.00}, ATM returned {$1500.00} missing amount {$3500.00} Bank refunded {$80.00} remaining lost balance {$3400.00}, ( which according to this letter they dont find a record of deposit for this amount ) The Bank stated that they are returning {$80.00} because that is what they received ( but they dont have a record ) out of {$100.00} bills how did they get {$80.00}?? 
To me, they are not running any investigation, it has been more than XXXX months since this happened, l opened the claim within an hour of this happening and now l am just being robbed of my money. 
I will not be satisfied until they return my money wiith the proof that l provided ( USB with pics and videos ) or they clearly prove the investigation they are running, not just letters sent whenever they want.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
SoFis response does not address the substance of my complaint and is inadequate. Their reply merely lists prior dates on which they responded to earlier CFPB complaints and states that their position remains unchanged. This is not a resolution and does not respond to the new issues raised.

My most recent complaint was not a duplicate. It raised ongoing and unresolved issues that SoFi has never properly addressed, including : 1. SoFis continued misrepresentation of XXXX XXXX by SoFi as a separate product that I do not hold, despite the fact that XXXX XXXX displayed my SoFi account information and XXXX XXXX confirmed that the data originates from SoFi. SoFi has never corrected or explained this contradiction.

2. SoFis handling of my stop-payment request from XX/XX/year>. I was told by a SoFi agent that a stop-payment block would be applied for approximately XXXX days. On XX/XX/year>, another SoFi agent stated that the request was never activated. On XX/XX/year>, SoFi emailed that they could not stop payment because the merchant was not billing as recurring. In later CFPB responses, SoFi claimed the stop payment was successfully processed. These statements directly contradict each other and have never been reconciled. 

3. SoFis introduction of new and inconsistent explanations in later CFPB responses, including a claimed XXXX stop-payment disclosure that was never provided to me during any call. This assertion did not appear in earlier responses and has not been supported with evidence. 

4. SoFis repeated refusal to address these contradictions, instead relying on prior responses and closing complaints without resolving the underlying issues.

Simply stating that previous responses exist does not resolve the ongoing dispute. SoFi has not provided a clear, truthful, and consistent explanation, nor have they corrected inaccurate statements made to the CFPB. 

I respectfully request that this complaint not be treated as resolved, that SoFi be required to address the specific unresolved issues raised above, and that the CFPB review whether SoFis conduct constitutes misleading or deceptive practices under the Electronic Fund Transfer Act, Regulation E, and the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: NY

Complaint narrative:
I am disputing inaccurate information being reported on my credit report. I noticed accounts/inquiries being reported that I do not recognize or that are being reported incorrectly. I did not receive proper notice, verification, or documentation proving these items are accurate. 

I previously attempted to resolve this issue by reviewing my credit report and disputing the inaccurate information, but it has not been corrected. The reporting of this information is negatively affecting my credit score and financial opportunities. 

I am requesting that the company investigate this matter, provide proper verification, and remove or correct any inaccurate or unverified information in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Credit Karma, LLC
State: DE

Complaint narrative:
I previously had a Credit Karma Money Spend checking account issued by XXXX XXXX I voluntarily closed the account in order to resolve an unrelated Credit Karma profile issue, that they suggested i should do.

I later created a new Credit Karma account using the same verified identity. Despite no negative account activity, no fraud, and no explanation provided, I have been unable to open a new Credit Karma Money XXXX account for over XXXX months. 
Credit Karma support repeatedly states only that I am not eligible at this time but refuses to provide a specific reason, time frame, or appeal process. 
I am requesting a formal explanation of the denial, confirmation of whether this restriction is permanent, and whether an eligibility review or reinstatement is possible through XXXXXXXX XXXX 
I am also concerned that I was not provided notice that closing the original Spend account would permanently prevent reopening another checking account product tied to my identity. Had i known i would have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A Wells Fargo account was made in my name, I did not make a Wells Fargo account or card and they made a purchase and I need the card canceled they told me to file a report with the FTC

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 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On or around XX/XX/XXXX, while I was actively enrolled in school, my federal student loans should have been placed in an in-school deferment. Instead, my loan servicer, Nelnet, placed my loans into forbearance. 

Beginning around XX/XX/XXXX, interest began accruing on my loans as a result of being placed in forbearance rather than the appropriate in-school deferment. 

Between XX/XX/XXXX and XX/XX/XXXX, I contacted Nelnet multiple times by phone and through my online account to request information and correction of my loan status. I specifically requested confirmation of my eligibility for in-school deferment, an explanation for why forbearance was applied, clarification regarding available income-driven repayment options, and an explanation for the continued interest accrual. 

Nelnet failed to provide clear, accurate, or consistent information and did not correct the servicing error. As a result, my loan balance increased due to interest that should not have accrued. The total amount of improperly accrued interest is currently unknown. 

On or around early XXXX, Nelnet advised that the accrued interest could not be reversed, despite the loans being placed into the incorrect status. 

I am requesting that Nelnet conduct a full review of my account, retroactively apply the correct in-school deferment where applicable, remove all improperly accrued interest, and correct all records to accurately reflect my loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MSCB, Inc.
State: MO

Complaint narrative:
I'm a single mom of XXXX kids and live very frugally there's nothing I could've done that warented me being XXXX XXXX dollars in debt i have a minimum wage job and work XXXX hours a week.And I simply will not pay that and couldn't even if I tried so i would like to know how I can do with this in a way this debt is dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding inaccurate credit reporting and improper closure of my XXXX XXXX XXXX account. 
Synchrony Bank closed my account citing dishonored payments. This claim is factually incorrect and not supported by evidence. 
On XX/XX/year>, I initiated a payment in good faith. My bank records confirm Synchrony Bank did not initiate or present an XXXX debit for that payment. No payment was returned, rejected, or dishonored by my bank. 
Synchrony later assessed a late fee and then reversed/refunded that late fee on XX/XX/year>, confirming the late designation was improper and not consumer-caused. 
Despite acknowledging this error, Synchrony closed my account and may be reporting inaccurate derogatory information to the credit bureaus. 
This constitutes inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act. I am requesting a full investigation, correction or deletion of any inaccurate credit reporting, and written confirmation of the results.

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