vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
initially, the complainant filed with CFPB, complaint # XXXX and indicated that she believed that it was identity theft. Believing the debt was identity theft, the complainant filed a police report and complaint # XXXX and filed a theft affidavit with XXXX The initial complainant filed with CFPB was prematurely closed case when XXXX stated that complainant had not mentioned identity theft in her letter to XXXX. 
Since then the complainant was informed by XXXX representative informed the complainant that the alleged debt was XXXX XXXX 

The complainant found that was impossible when she retrieved her bankruptcy file where her attorney XXXX XXXX. XXXX had paid, not XXXX  client XXXX but, the true debt owner Barclay finance who had acquired Juniper Bank in XXXX. The records show that the XXXX XXXX last payment was {$240.00}, which the complainant paid personnally to Barclay Finance. 

It was XXXX that XXXX stipulated that their client XXXX had hired them to collect for Juniper Bank which was impossible because in XXXX XXXX XXXX did not exist, because it was acquired by XXXX XXXX in XXXX and its name was changed. 

Since then the complainant filed a lawsuit XXXX CZ because she found that XXXX had used a address that never exist and the complainant never received any court papers. XXXX argued they were not served and the case was dismissed without prejudice and refiled by complainant XXXX. 
In the process of the complainant 's investigation it was found that XXXX had purposely used an address that never exist on the court documents and the lien papers that made the lien void on its face. 
XXXX had filed a lien in XXXX and XXXX using the complainants correct address, but put the bogus address on the lien and used the bogus address for the servicing. 
When the complainant filed for USPS to review the certificate of mailing from the USPS the certification of mailing was addressed to a different party. Also, on the return receipt the complainant found that XXXX had forged her signature on the USPS return receipt form. XXXX forged USPS document that allegedly was returned from the bogus address, but, when the complainant sent information to the same address she received the mailing back for insufficient mailing and found that the address did not exist. 

As XXXX had stated in the previous complaint they received correspondence from the complainant with her correct address and the complainant provided her correct address constantly to XXXX and also sent a FOIA request, with her current address. 
XXXX purposely forged the complaints name on the return address, because the bogus address returned mailing stipulating no such address. 

XXXX had purpose signed the complainants name on the bogus USPS documents which is the basis of her current case.

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 2026-01-03 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
My childs Venmo XXXX account was suspended on XX/XX/year>, without any use of the app that day. 
The account did not receive any prior warning or explanatory email. 
Attempts to resolve the suspension through Venmos in-app assistant, email, and phone support were unsuccessful, as only automated systems responded. 
We are requesting a manual human review of the teen account and instructions to reinstate it if no violation occurred. 
This account is linked to a parent/guardian Venmo account, and the suspension appears to be an automated or security-related action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I signed up for a checking account at M & T Bank 's website and they inexplicably closed the account without warning just before the debit card arrived in the mail. I contacted their customer service over the phone and was told it was flagged for some reason but they couldn't give me the reason. I check my XXXX XXXX XXXX report and didn't find anything on it that would cause my account to get flagged so it would get closed. I also opened a account with another bank around the same time it went through without a hitch.

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 2026-01-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Have XXXX unauthorized suspiscious charges from XXXX on my credit card sattement from XXXX  ( whatever that is ) for XXXX on XX/XX/year> from XXXX XXXX. I contacted citi bank right after but they refused to do anything.

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 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
On XX/XX/year>, I ordered an XXXX XXXX XXXX XXXX through the XXXX XXXX Upgrade Program, which is financed as an installment loan serviced by Citizens Bank. The total loan amount is {$1400.00}, with monthly payments of {$61.00}. The total payment was {$1500.00}, which included a device tax of {$98.00}, the loan, and a state delivery fee of {$0.00}. So far I have paid {$150.00}. 

When the package was delivered, I retrieved it immediately, and the phone was missing from the box. I reported this to XXXX the same day. 

During the call with XXXX XXXX ( which I was informed are recorded ), XXXX representatives explicitly told me XXXX times that a replacement device would be sent before the investigation was completed and that no additional action was required from me. 

The following day, I received an email from XXXX stating that no replacement or refund would be issued, directly contradicting what I was told multiple times on the recorded call. 

As a result, I am currently being billed under an installment loan for a device that was never delivered to me. The shipment arriving empty constitutes a failed delivery, and the loan is tied to goods I did not receive. 

I have attempted to resolve this directly with XXXX XXXX more times after the decision email was sent, including requesting escalation, but the issue remains unresolved. I am requesting that this loan be canceled due to non-delivery of the device, or that the originally promised replacement device be delivered. ( Through an XXXX XXXX  where I pick up not a shipment again ) I am also requesting that payments be paused while this issue is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/year> i bought a American Express gift card as a gift for a friend for {$160.00}, they went to use it and it doesn't work. I called amex giftcard services and asked they tried to go in circles about it. Now today XX/XX/year> i called again and they WILL not replace the card or even get me a supervisor to talk to and will not return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I financed my car with Global Lending Services, LLC ( GLS ) XXXX XX/XX/XXXX. XX/XX/XXXX, I refinanced my car with a different company. On XXXX XX/XX/XXXX, GLS received, endorsed, and cashed the payoff check from my new finance company. I was sent two seperate refund checks from GLS dated XXXX and XXXX XX/XX/year>. On XXXX XX/XX/XXXX, my account was closed with a XXXX balance. XXXX XX/XX/XXXX, I began receiving threatning phone calls and emails from XXXX stating that I hadn't paid my car payment since XX/XX/year> and if payment was not made, my car would be repossessed and it would be reported negatively to the credit bureaus. I emailed and made phone calls in the attempt to clarify the situation. I offered to email pictures of the letters I have showing the XXXX balance as well as of the refund checks that I'd been issued. This was met with unprofessional rudeness and being called a " liar '' by a representative from the escalations department. XXXX XX/XX/XXXX I received an email that said I owed a balance of {$1200.00} as well a physical letter in the mail stating that I owed {$1900.00}. The physical letter had a breakdown that stated that I owed {$0.00} " Unpaid late fees charged this period '', {$0.00} " previous unpaid late fees '', and {$0.00} " total unpaid other fees ''. Yet, the same document says that {$1300.00} is owed in " total interest charged over monthly statement period '' and the monthly statement was listed as XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. GLS continues erroneous collection activity on a non-existent account as well as harassing phone calls, causing severe distress and creating a risk of false credit reporting. Should this be falsely reported to the credit bureaus, it would take me at least 6 months to rectify. That means 6 months of not being afforded the proper credit that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding an improper force-placed insurance notice issued by my mortgage servicer, Fifth Third Bank, which was triggered due to administrative failure by my homeowners insurance provider, XXXX XXXX XXXX 

Summary of the Issue I paid my XXXX homeowners insurance premium in full for a one-year policy term. Despite full payment, XXXX issued only a partial policy coverage document covering XX/XX/XXXX through XX/XX/XXXX, which does not reflect the actual coverage period paid for. 

Due to XXXX failure to issue correct full-term policy documents and proof of insurance, Fifth Third Bank issued a notice of force-placed insurance on my property, placing me at risk of unnecessary and excessive insurance charges. 

Key Facts Homeowners insurance premium paid in full XXXX service tickets raised : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Concern # : XXXX ( XX/XX/XXXX ) Partial and incorrect policy documents issued by XXXX Force-placed insurance notice received from Fifth Third Bank No lapse in coverage occurred ; this is strictly an insurer documentation failure Harm Caused Risk of force-placed insurance charges Potential escrow impact Financial and administrative burden Stress caused by insurer negligence and servicing escalation Resolution Requested I am requesting CFPB assistance to require : Fifth Third Bank to immediately suspend any force-placed insurance action XXXX Insurance to issue correct full-term homeowners policy documents Written confirmation that valid proof of insurance is accepted by the mortgage servicer Assurance that no fees, penalties, or escrow adjustments will be applied due to this error I have supporting documentation including proof of premium payment, XXXX XXXX documents issued in error, service ticket references XXXX and the force-placed insurance notice. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: INTEGRAL RECOVERIES, INC.
State: CO

Complaint narrative:
I have a letter XXXX  Stating a balance of XXXX from XXXX XXXX XXXXXXXX XXXX  original charge was XXXX for i dont know what or why

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a substantial sum of money in my Bank of America accountXXXX XXXXXXXXXXXX XXXX My XXXX app says primary checking - XXXX {$130.00}. The ATM says the same. Whats going on? thanks

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: AR

Complaint narrative:
I am disputing the collection account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint against Client Services XXXX  Inc. for ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) and applicable Texas law. 

On XX/XX/year>, I sent Client Services XXXX  Inc. a written Debt Validation Request and Cease-and-Desist Notice via certified mail, disputing the alleged debt in its entirety pursuant to XXXX U.S.C. XXXX ( b ) and directing them to cease all communications pursuant to XXXX U.S.C. XXXX ( c ). 

Client Services XXXX  Inc. received and signed for this certified correspondence on XX/XX/year>. 

Despite receipt of this notice, Client Services XXXX  Inc. has continued collection activity and aggressive contact without first providing the legally required debt validation. This conduct is prohibited by federal law. 

Client Services XXXX  Inc. has failed to provide : Any verification or validation of the alleged debt ; Any documentation establishing legal ownership or authority to collect ; or Any contractual agreement bearing my signature. 

Instead, they have continued attempts to collect an unverified and disputed debt after a clear cease-and-desist directive. 

Why this is a problem? 

Client Services XXXX XXXX actions constitute violations of the FDCPA, including but not limited to : XXXX U.S.C. XXXX ( b ) Continuing collection activity after receipt of a timely written dispute and validation request ; XXXX U.S.C. XXXX ( c ) Continuing to communicate after receipt of a cease-and-desist ; XXXX U.S.C. XXXX Harassing or oppressive conduct ; XXXX U.S.C. XXXX Attempting to collect a debt without validating its accuracy or legal enforceability. 

Each XXXX XXXX, 2025 communication constitutes a separate violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
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 in your records. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the debt collector must stop contacting the consumer except to confirm cessation of communications or to notify of specific legal action. 
You are hereby directed to stop all forms of communication with me, including but not limited to phone calls, voicemails, emails, text messages, and postal mail. Any further contact from your company that does not comply with the FDCPA will be documented and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the California Attorney XXXX XXXX, and any other appropriate regulatory agencies. 
This request does not constitute an acknowledgment or acceptance of any debt, nor does it waive any rights or defenses available to me under federal or state law. 
Please confirm in writing that you have received this notice and that all communications have ceased, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 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: Chime Financial Inc
State: CA

Complaint narrative:
Chime does not have evidence to support why claim was denied. Chime has never honored a valid claim. Chime always sides with the merchant, even with substantial evidence. Ive opened claims several times ( maybe XXXX times ) after banking with them for years. They do not properly investigate the claim. I have proof I filed a FTC complaint, BBB complaint, and reporting the false advertising and goods not as described to my general attorney. I submitted all of this information to chime and my claim was still denied even with clear evidence and several reports about XXXX XXXX falsely advertising their products as high quality, reusable, salon quality and more false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: TX

Complaint narrative:
LVNV Funding LLC has been reporting to credit bureaus a collection. The original creditor was from XXXX XXXX XXXX. I never authorized or had a card from this store. LVNV account was opened on XX/XX/XXXX for $ XXXX Attached is an FTC report # XXXX I filed. It has been confirmed by XXXX, XXXX, XXXX that my personal information was compromised by their breach 's which date back to XXXX to their most current. Breach 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a credit card debt that originated with XXXX XXXX  XXXX. I dispute this debt because XXXX XXXX XXXX is not the original creditor, and they have not provided any documentation proving legal ownership or validation of the account. A debt validation and cease & desist letter requesting proof of assignment, original contract, and itemized balance. To date, I have not received sufficient documentation verifying the debt. I am requesting that XXXX XXXX XXXX provide full validation of the debt, including proof of purchase/assignment from XXXX XXXX, XXXX, XXXX complete payment history, and a copy of the original signed agreement. If they can not validate, I request they cease all collection activity and remove any related negative reporting from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
To Whom It May Concern, I am disputing the accuracy of the account reported on my credit file and am requesting verification pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including 609 and 611. 
Under the FCRA and applicable CFPB guidance, credit reporting agencies and furnishers are required to conduct a reasonable investigation and ensure that all reported information is accurate, complete, and verifiable. Please provide verification demonstrating : That the furnisher has first-hand knowledge of this account That the reported dates, balance, and account status are accurate, complete, and not misleading That all required legal notice and reporting requirements were properly met That the account can be fully substantiated with original, verifiable documentation As outlined by the Consumer Financial Protection Bureau ( CFPB ), verification requires more than a cursory confirmation or automated response. The furnisher must review underlying documentation and have sufficient evidence to support the accuracy of the information being reported. Merely confirming that the information matches the furnishers internal records does not satisfy the requirements of a reasonable investigation under the FCRA. 
If the furnisher can not provide complete and verifiable documentation to substantiate this account, it must be deleted from my credit report immediately, as required by law. 
Please conduct a reasonable investigation and provide me with written confirmation of the results, including the method of verification used. If this account can not be verified in full compliance with the FCRA and CFPB standards, it must be removed. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
SoFi sent a {$20000.00} ACH transfer on XX/XX/XXXX to a XXXX account that was closed. Closed acts can't accept ACH transfers and must be returned to them ( XXXX ). Nearly XXXX weeks later, funds have not been returned and SoFi refuses to provide a trace detail or provisional credit. This exceeds ACH settlement timelines. I have expressed this to Sofi and they keep telling me it's all on XXXX but XXXX said they would be able to possibly help if I had the tracer number but SoFi refuses to give me any info. The act at XXXX was closed before the loan was funded but SoFi went and sent funds anyway. I just keep getting the run around from people who can't answer any of my questions. Thanks for any help you may be able to provide.

Company response to consumer: Closed with explanation