vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 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: NY

Complaint narrative:
I am filing this complaint regarding repeated issues with dispute handling by Barclays and the lack of meaningful consumer protection despite using their credit card for purchases. I have submitted multiple disputes with supporting documentation, yet these claims were denied or not resolved fairly. I feel that Barclays failed to properly investigate the transactions and did not provide reasonable support as a cardholder. The following disputed transactions remain unresolved or were decided against me : Case Number : XXXX XXXX XXXX XXXX {$68.00} Case Number : XXXX XXXX XXXX {$77.00} Case Number : XXXX XXXX XXXX XXXX {$53.00} Case Number : XXXX XXXX XXXX XXXX {$210.00} In addition to these cases, I have experienced previous disputes with Barclays that also were not resolved in my favor despite documentation being provided. This pattern has caused significant frustration and has left me feeling that cardholders are not being adequately protected. Consumers use credit cards with the expectation that disputes will be handled fairly and thoroughly. Unfortunately, my experience with Barclays has been the opposite. I am requesting that these disputes be reviewed again in good faith and that Barclays provide a clearer explanation of how these investigations were conducted. I also believe Barclays should improve its dispute resolution process and customer communication practices to better support consumers who rely on the protections advertised with their credit card services.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am a XXXX of XXXX XXXX XXXX XXXX ( Indiana XXXX XXXX ), a registered market participant ( XXXX XXXX : NFKP ) in the MISO wholesale electricity market regulated by XXXX. MISO requires XXXX XXXX to deliver a {$100000.00} Letter of Credit ( LOC ) to MISO by XX/XX/year>. The LOC must be finalized at XXXX Bank no later than XX/XX/year>. XX/XX/year> : I wire-transferred {$50000.00} from my personal Citibank checking account to XXXX XXXX XXXX XXXX business XXXX account as a shareholder capital contribution. XXXX received the funds without issue. XX/XX/year> : I wire-transferred an additional {$50000.00} from my Citibank account XXXX the same XXXX account XXXX Total : {$100000.00}. XX/XX/year> : XXXX placed a hold on the receiving account and issued a Wire Validation Request directed at Citibank, requiring Citibank to confirm that both wires were legitimately initiated by me, the account holder. XX/XX/XXXX - XX/XX/year> : I visited a Citibank branch in person on XXXX separate occasions and explicitly requested that Citibank respond to XXXX 's outstanding Wire Validation Request. Both times, branch staff stated they were unable to process the request and could not escalate internally. No case number, no timeline, and no follow-up were provided. Citibank has taken no action to respond to XXXX 's request. As of XX/XX/year> : The {$100000.00} remains frozen at XXXX. The LOC must be issued no later than XX/XX/year> 21 days from today to meet XXXX 's XX/XX/XXXX mandatory compliance deadline. Failure will result in irreversible loss of federal market participant status. XXXX requested : Citibank must immediately respond to XXXX 's Wire Validation Request and confirm both wire transfers were legitimately initiated by me. Time is critical.

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 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Better Mortgage, Inc.
State: MA

Complaint narrative:
Complaint Type : Mortgage lender breach of contract, failure to fund, harassment, unprofessional conduct, disability-related distress Company : Better Mortgage Employees Named : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Processing Expert Complaint Statement : I am submitting this complaint regarding Better Mortgage for multiple serious failures during my mortgage process, including breach of contract, failure to fund in a timely and agreed-upon manner, harassment, lack of communication, and conduct that caused severe emotional distress. Better Mortgage failed to properly fund and close my mortgage as agreed. A closing was scheduled for XXXX AM on a Saturday, yet the closing packet was not sent to their attorney until XXXX AM, resulting in a no-call/no-show situation. I was not informed of this failure until approximately XXXXXXXX XXXX, after I had already been waiting and attempting to obtain information. On the day of closing, I repeatedly reached out to the XXXX individuals responsible for my XXXX XXXX and XXXX XXXX assistance and clarification. I received no meaningful help. This lack of response was consistent throughout the process, especially during critical moments. Additionally, I was harassed regarding a house that I do not own and could not legally own. The deed for that property has not been changed since XXXX, and I was born in XXXX. Despite being informed of this fact, Better Mortgage personnel continued to raise the issue and contacted me about my ill father, who has XXXX, causing further distress after I had already explained the situation. I explicitly informed both individuals from the beginning that I am a mentally and physically XXXX combat veteran and firefighter. These XXXX and their causes were clearly disclosed. Despite this, they disregarded reasonable boundaries and accommodations. I specifically requested not to be disturbed during a rare personal trip and was told by XXXX XXXX that I was all set and would not be bothered. Less than XXXX hours later, I received calls and a list of new tasks, directly contradicting what I was told. On a Sunday morning at XXXXXXXX XXXX, while I was in church, XXXX XXXX texted me asking whether I had signed documents, further demonstrating disregard for professional boundaries. I fulfilled all requirements asked of me in a timely manner. Better Mortgage, however, failed at every levelcommunication, professionalism, funding, and respect for my disclosed XXXX. Their actions delayed closing, caused extreme emotional distress, and significantly disrupted my life. I am requesting a full investigation into XXXX Mortgages conduct, the actions of the named employees, and appropriate corrective and disciplinary measures. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
Friday XX/XX/XXXX, I made a payment to a XXXX XXXX of someone that was posing as my tattoo XXXX and claimed they required a deposit payment for my tattoo via a Zelle account that was claimed to be under the book keepers name. After making the deposit of {$250.00} there were some things that didnt match where I was able to actually get into contact with the owner of the tattoo shop where they confirmed people are pretending to be them and scamming people. During the process Zelle was not letting me process the payment which in retrospect makes sense since the account was not legit and is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Without my authorization or consent, XXXX XXXX / Bank of America unilaterally liquidated and closed XXXX separate retirement accounts on XX/XX/2026 ( Matter Number XXXX ). The closure of these XXXX accounts was discovered completely by pure luck ; the bank provided absolutely no prior warning, notification, or justification, and had we not checked, we would never have known our retirement savings were dismantled. What is deeply alarming is that the bank completely failed to send the resulting distribution checks. This total lack of transparency and withholding of funds forces us to seriously question if the bank routinely closes accounts and retains client assets under the radar without the owner 's knowledge. Only after spending numerous hours on the phone escalating this issue through labyrinthine customer service lines did we finally receive the checks. Shockingly, the bank passed the entire financial burden of this unauthorized action onto us. The liquidation triggered immediate premature federal tax withholdings, mandatory penalties, and institutional fees across XXXX accounts. The total financial damage inflicted directly by the bank 's misconduct is {$1900.00}, itemized as follows : Advisory and Other Fees : {$140.00} Commissions and Trading Fees : {$170.00} Federal Tax ( Premature Distribution ) : {$1500.00} The bank claims this matter " has been addressed '' and refuses to accept fault, refund the fees, or remedy the severe tax penalty liabilities they unilaterally forced upon my family. I request a full executive investigation into these unauthorized liquidations, an immediate refund of all fees, and full restitution for the tax penalties incurred.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote a report XX/XX/2025 stating that I was a victim of XXXX XXXX and asked to remove this information off my report I am again a writing statement to delete the following information in my file. The items that i need deleted are listed in my report. I am an victim of XXXX XXXX and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft Affidavit .Please delete items as soon as possible.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
The bank closed my account with {$990.00} in it. They told me that a check was mailed out on XX/XX/XXXX but I waited almost a month and never received it. When I informed the Bank, they told me that I would have to come in and file a declaration of loss and then they wouldnt issue me a check for another XXXX days. I would like my check to be re-issued immediately and overnighted to the address on file.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wrote a report XX/XX/year> stating that I was a victim of XXXX XXXX and asked to remove this information off my report I am writing to delete the following information in my file. The items that i need deleted are listed in my report. I am an victim of XXXX XXXX and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft Affidavit. Please delete items as soon as possible

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 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
I am a senior citizen with a serious XXXX XXXX, a recent XXXX XXXX XXXX, and my doctors have strictly advised me to avoid high-stress situations as it puts me at an immediate high risk for XXXX XXXX XXXX. I hold legal XXXX license plates. I am actively working with my mortgage company, ServiceMac , LLC, on a payment deferral to put my missed payments on the back of the loan. I am not in foreclosure. I formally contacted ServiceMac weeks prior to XX/XX/XXXX to report that their property preservation vendor, XXXX XXXX, was harassing me and trespassing. ServiceMac failed to act. On XX/XX/XXXX at XXXX XXXX, I contacted ServiceMac again regarding this issue. Later that exact same evening, XXXX XXXX retaliated by breaking into my home. They completely destroyed my back door, destroyed my screen door, illegally changed the locks to lock me out, and entered the interior of my home where they unattached my island off my kitchen floor. I have explicitly told the vendor that I am working with the bank, that the property is maintained, and that I am not in foreclosure, but they told me " too bad. '' ServiceMac customer service claims they can not stop these visits because they are " automatically generated. '' Allowing an automated system to trespass, commit illegal lockouts, and physically destroy the interior and exterior of a home constitutes a severe loan servicing error and criminal property damage. I am requesting that ServiceMac execute an immediate manual override to issue a " Cease Field Inspections '' command, pay to completely replace my destroyed back door, screen door, fence re-secure my kitchen island to the floor, and restore my access while my deferral options are being finalized. I have filed a formal police report regarding this illegal entry, lockout, and property destruction under Police Report Number XXXX XXXX XXXX Police Dept Officer XXXX Story # 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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AK

Complaint narrative:
Jefferson Capital LLC is a third-party debt buyer. On my active Equifax credit file, this company is reporting itself as both the " XXXX XXXX '' and the " XXXX XXXX XXXX. '' Jefferson Capital LLC has never extended original credit to me. By populating these fields with their own corporate name, they are making a false and misleading representation regarding the true character, origin, and legal status of this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. Furthermore, they are transmitting an incomplete file format where the mandatory account " Type '' field is left completely blank ( -- ). Because the company has verified and maintained patently false data fields, their records are inherently unreliable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> LVNV Funding LLCXXXX XXXX XXXX, SC XXXX Account Number : XXXX To Whom It May Concern : This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I dispute this debt and request that you immediately stop all telephone calls, text messages, emails, letters, or any other form of contact with me, except as permitted by law to notify me of specific legal action being taken or that collection efforts are being terminated. Additionally : Do not contact my employer, family members, friends, or any third parties regarding this matter. Do not report or continue reporting inaccurate information to any credit reporting agency. If you believe this debt is valid, provide full written verification of the debt, including : The name of the original creditor The amount allegedly owed A complete payment history Proof that your agency is authorized to collect this debt Any further communication outside the scope permitted under federal law XXXX constitute a violation of the FDCPA and other applicable consumer protection laws. Please confirm in writing that you have received this request and that you will comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report. I do not believe this account is fully accurate or properly verified.The account has reportedly been sold or transferred, and I am requesting validation of this debt ; including the original creditors name, the full account history, a breakdown of amount claimed, copies of any signed agreements or documents bearing my signature, and proof that your company had the legal right to collect on this account. I also request verification that the information that the information being reported to the credit bureaus is complete and accurate. Until proper validation is provided, I request that this account be marked as disputed either all credit reporting agencies. Please investigate this matter and provide written verification of debt. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this response to formally and aggressively dispute your false and unsupported claim that my previous request was not submitted by me. This assertion is inaccurate, negligent, and appears to be an intentional tactic to avoid your legal obligations. This dispute was filed directly by me, the consumer, and not by any third party. I am not working with any credit repair organization, credit counseling agency, or outside company of any kind. Your repeated use of a generic, scripted responsewithout conducting an actual investigationconstitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : - Conduct a reasonable investigation of all disputed information - Review all relevant evidence I submit - Provide the method of verification, including : 1. The name and contact information of the furnisher 2. The method used to verify the disputed information 3. Copies of all documents relied upon Your continued refusal to process my dispute, despite receiving proper documentation, is not only unlawfulit demonstrates clear negligence, bad faith, and repeated non-compliance with federal consumer protection statutes. To eliminate any excuse for your failures, I have provided full identity verification, including my government-issued ID and proof of address. You now have no legitimate or lawful reason to deny or dismiss my dispute. Your repeated closures of my disputes with identical, copy-and-paste language is unacceptable, unlawful, and a direct violation of your duties under federal law.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2026 LVNV Funding LLCXXXX XXXX XXXX, SC XXXX Account Number : XXXX To Whom It May Concern : This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the alleged debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I dispute this debt and request that you immediately stop all telephone calls, text messages, emails, letters, or any other form of contact with me, except as permitted by law to notify me of specific legal action being taken or that collection efforts are being terminated. Additionally : Do not contact my employer, family members, friends, or any third parties regarding this matter. Do not report or continue reporting inaccurate information to any credit reporting agency. If you believe this debt is valid, provide full written verification of the debt, including : The name of the original creditor The amount allegedly owed A complete payment history Proof that your agency is authorized to collect this debt Any further communication outside the scope permitted under federal law may constitute a violation of the FDCPA and other applicable consumer protection laws. Please confirm in writing that you have received this request and that you will comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief