vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I.C. System, Inc. is trying to collect a debt using two XXXX XXXX XXXX agreements. The signatures on those agreements are not mine. I have the original unsigned XXXX XXXX XXXX summary, which proves the signatures were added or forged. The agency sent these forged documents as " verification '' after I requested validation. Their documents also have mismatched account numbers and show a card processing error, not a valid charge. After receiving my dispute, they updated my credit report without marking the accounts as disputed. I sent a second letter pointing out the forgery and mismatched account numbers. The agency has not responded. The debt is not mine. A forged contract can not be collected.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I deposited a check for {$1200.00} and {$0.00} were immediately available, even though there is a regulatory requirement to make a minimum of {$270.00} available immediately. I asked the teller to then cash the check and they refused. They say it will be available next day. Still not available. Please fine First Citizens XXXX XXXX XXXX for their violation of Reg CC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-04-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AL

Complaint narrative:
Im filling a dispute against XXXX XXXX because I opened up a dispute against this company called upper level XXXX back in XXXX I purchased a item for XXXX dollars and I never received the item no tracking number or nothing XXXX XXXX denied my dispute because the merchant gave them a receipt no tracking number nothing been signed in my name and that not fair I had to go to XXXX XXXX XXXX to file a complaint against this company for fraud and XXXX XXXX were wrong for giving the merchant back my money after they could not provide a tracking number or delivery date I tried to get a supervisor on the phone stayed on hold nearly 4 hours I don't understand they dispute department

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: LA

Complaint narrative:
They closed my account with all my funds. Told me Im ineligible to reopen account and funds that are in account, which is {$3400.00}, are not eligible to be 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
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: First Help Financial, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX my vehicle was repossessed I am under XXXX XXXX bankruptcy I contacted First Help Financial to find out why they stated that they had received information of my bankruptcy being dismissed I contacted my attorney and he gave them all my updated bankruptcy information on XX/XX/XXXX. I kept calling and calling from XX/XX/XXXX until XX/XX/XXXX and all they kept saying is we are waiting on the legal department they sent a letter saying my car was at XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX they moved my vehicle all the way to XXXX and then on XX/XX/XXXX they sent release paperwork to the company they refused to tow my vehicle back to where it was originally and now I have to pay to get it towed. Throughout every time I called no one said anything about my vehicle being moved my letter says I have until XX/XX/XXXX to retrieve my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was a victim of identity theft someone took my information from a past address mailbox I was at they took my information and used it to get credit and give me debt please close this account and remove this debt its not mine please take this off the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am a federal student loan borrower currently serviced by MOHELA and am submitting this complaint due to serious concerns regarding loan servicing, Borrower Defense discharge processing, and Public Service Loan Forgiveness ( PSLF ) tracking. I received confirmation from the XXXX.S. Department of Education that my XXXX XXXX to Repayment application ( Case Number : XXXX ) was approved under a group discharge. Despite this, my account continues to reflect an active balance and a projected forgiveness date of XXXX, which is inconsistent with this determination. Additionally, while my account has been placed in forbearance pending discharge and/or review, I have experienced a significant increase in my loan balance due to accumulating interest. This increase appears excessive and raises concerns about improper interest accrual or capitalization. I am also pursuing PSLF and have been employed by a qualifying XXXX XXXX XXXX XXXX. I am concerned that my qualifying payments may not have been properly tracked or credited. I have attempted to resolve this issue directly with MOHELA but have not received an adequate response. I am requesting a full audit of my account, correction of any errors, and a clear timeline for discharge and resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
-I am filing a complaint regarding both XXXX XXXX and Midland Credit Management for inaccurate credit reporting and failure to properly validate a debt. I disputed a charged-off account reported by XXXX XXXX and requested documentation supporting the late payments and charge-off. The company responded but failed to provide billing statements, proof of delivery, or a signed agreement. Instead, they relied solely on internal records and claims of electronic billing. This does not constitute proper verification under federal law. Additionally, Midland Credit Management has continued to attempt collection on this alleged debt without providing proper validation despite my request. They continue to send letters and make calls, which I believe may constitute harassment and a violation of the Fair Debt Collection Practices Act. The continued reporting and collection of this unverified account is negatively impacting my credit and causing undue stress. I am requesting : * Proper validation of the alleged debt with supporting documentation * Immediate cessation of collection activity until validation is provided * Removal of the account from my credit report if proper verification can not be produced I sent letters XX/XX/XXXX, XX/XX/XXXX then again, I'm sending another letter XX/XX/XXXX. to Midland Credit Management -Chief Compliance Officer at XXXX XXXX XXXX XXXX XXXX CA XXXX. I have asked them several to handle everything in writing I am seeking resolution and enforcement of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is not a duplicate complaint. I have new information. I am filing this complaint to dispute a " trailing interest '' charge of {$100.00} assessed by Chase on my statement ending XX/XX/year> ( Account XXXX ). I have made a good-faith effort to pay my account in full. On XX/XX/year>, I made a payment of {$8200.00}, followed by another payment of {$10.00} on XX/XX/year>. These payments effectively cleared the previous statement balance of {$8800.00}. Despite this, Chase has charged me {$100.00} in interest. This interest amount is nearly XXXX % of my current total balance of {$280.00}. I believe this charge is excessive and penalizes a consumer for the timing of a successful, large-scale repayment of debt. I attempted to resolve this directly with Chase via their secure messaging system, but the request was not honored. I am requesting a full credit of the interest charged during this cycle as I have demonstrated clear intent and action to maintain a zero-interest-bearing balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 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: GA

Complaint narrative:
I applied for PayPal account on XX/XX/year>.... Got Congratulation Email ... Approved for {$2100.00} Credit Line... Within XXXX Weeks the account was Closed..... Now I'm receiving Emails stating my account is past due and also receiving phone calls ( automated ).... Keep saying account is Past Due ..... Not the case.... How is a Company gon na Approve someone and then take it away, Less than 30 Days??

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 2026-04-07 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: NC

Complaint narrative:
I am filing a complaint regarding overdraft fees charged by Wells Fargo under circumstances that were outside of my control. I transferred funds from my XXXX XXXX account to my Wells Fargo account in order to cover upcoming charges, including a credit card payment and car insurance. I ensured that the transfer amount would cover these transactions as well as a previously incurred overdraft fee. At the time I initiated the transfer, XXXX XXXX indicated that the funds would be delivered to my Wells Fargo account on XX/XX/XXXX. Wells Fargo had stated that I needed to resolve the overdraft by XX/XX/XXXX in order to avoid additional fees. Based on the transfer timeline provided, I reasonably expected the funds to arrive within that timeframe. However, due to XXXX weekend and bank processing delays, the transfer did not post in time. As a result, Wells Fargo charged me XXXX additional overdraft fees totaling {$70.00}, even though the funds were already in transit and scheduled to arrive within their stated deadline. I contacted Wells Fargo to explain the situation and requested a refund of these fees. I also offered to provide proof from XXXX XXXX showing the expected transfer date. My request was denied solely because I had previously received a fee waiver, without consideration of the circumstances. I am requesting that Wells Fargo XXXX this situation and refund the {$70.00} in overdraft fees, as the delay was caused by bank processing timelines and not by negligence on my part.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding a promotional offer that was not honored by Regions Bank. I enrolled in a {$300.00} bonus promotion and made sure to meet all of the stated requirements within the specified timeframe. I followed the terms carefully, including maintaining the necessary account activity and fulfilling any deposit or usage conditions outlined in the offer. In good faith, and based on the expectation that the promotion would be honored, I even went as far as opening a second checking account with your institution. Despite fully complying with the requirements, I have not received the promised bonus, nor have I been given a clear explanation as to why it has not been issued. This situation is both disappointing and concerning. Promotional offers are meant to build trust and encourage customer loyalty, and failing to honor them undermines that trust. It is only fair and reasonable that the terms of the offer be upheld.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint regarding unauthorized debit card transactions on my account that my bank has failed to properly address. Account holder name : XXXX XXXX XXXX XXXX Account number ( last 4 digits ) : XXXX Suncoast Credit Union. The following unauthorized transactions were made by T-Mobile : XX/XX/year> {$56.00} XX/XX/year> {$1100.00} XX/XX/year> {$430.00} I have active account alerts, which notified me immediately of suspicious activity. As soon as I received these alerts on XX/XX/scrub>XXXX XXXX, 2026, I took immediate action by notifying the bank, requesting a stop payment, and canceling my debit card. Despite my immediate report, the transactions were still processed and the funds were withdrawn from my account. On XXXX XXXX, 2026, I contacted the bank by phone and also visited a branch in person to request assistance in recovering my money. I spoke with a customer service representative named XXXX XXXX, who informed me that I needed to wait 24 days for the funds to be returned. As of today, no funds have been returned. I was not provided with a case number, and I was informed that this department does not offer direct customer service. On XXXX XXXX, 2026, I contacted customer service again and was told that no claim has been received and that it may take up to 10 days to receive a response by email. I am very concerned that my bank has failed to properly handle my fraud claim and has not protected my rights as required under the Electronic Fund Transfer Act ( Regulation XXXX ). I reported these unauthorized transactions immediately and took all necessary steps to prevent further loss. I am requesting : A full investigation of these unauthorized transactions Immediate provisional credit to my account Confirmation that my claim has been properly filed and is being handled I can provide supporting documentation, including alert notifications and records showing that I responded immediately to the fraudulent activity. Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
SoFi Account Closed With Funds Held $ XXXX Delayed Complaint : I had an account with SoFi that was recently restricted and then closed without any clear explanation. At the time of closure, my account contained over {$11000.00}. I was informed that my funds would be returned via a mailed check within XXXX business days. I am concerned about the length of time my money is being withheld and the lack of transparency regarding the reason for the account closure. I have not been provided with specific details, and this delay is causing financial inconvenience and concern. I am requesting : Confirmation of when the check has been issued Tracking information for the check delivery XXXX that my funds will be returned in full without further delay If there are any issues preventing the release of my funds, I request a clear explanation in writing. I would like this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
EXECUTIVE SUMMARY : TOTAL DESTRUCTION OF ENTERPRISE VALUE Truist Bank has engaged in the illegal conversion of {$68000.00} and the total destruction of Apex Commerces business operations. On XX/XX/year>, Truist summarily terminated a vetted, two-year relationship just XXXX days after a bank representative officially validated the accounts " Great Customer '' status and " XXXX Years of Loyalty '' ( validated XX/XX/year> ). I. CIVIL CONVERSION & LIQUIDITY STRANGULATION Truist is withholding {$68000.00} in operating capital without legal cause. This intentional withholding has halted all business functions, causing immediate and compounding financial ruin. XXXX. GROSS NEGLIGENCE & SABOTAGE OF SCALING Truist issued a " fraud '' flag without reviewing the governing XXXX Performance Agreement ( Exhibit C ). This occurred at the precise moment of execution for a XXXX Tier XXXX credit expansion strategy ( XXXX, XXXX, XXXX, XXXX, XXXX ) designed to unlock $ XXXX in corporate leverage. By falsely branding the business " Non-Bankable, '' Truist has permanently derailed this trajectory and killed the enterprises future. XXXX. AIDING & ABETTING FIRST-PARTY BANK FRAUD The bank was provided proof ( Exhibit D ) that the reporter ( XXXX XXXX XXXX XXXX acting in bad faith. Despite the reporter rejecting a 100 % professional refund in writing and admitting she was within the guarantee period, Truist prioritized her fraudulent claim over a loyal, two-year customer. Truists failure to file a Suspicious Activity Report ( SAR ) against this perpetrator while penalizing the victim constitutes a gross failure of federal mandate. IV. PERMANENT DEFAMATION & BLACKLISTING By terminating the account under a " Fraud '' pretext, Truist has effectively blacklisted the CEO from the domestic banking system, making it impossible to pivot or relaunch.

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