vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I opened a credit card approximately 15 years ago with Chase AARP. Approximately 10 years ago the card was taken over by Barclay AARP. In the 10 years with Barclay I have never missed a monthly payment nor have I been late. I pay all my credit accounts by the XXXX. of every month, usually on the XXXX. This XX/XX/year> I contact Barclay customer agent and asked if I could use my XXXX reward points as my monthly payment. In other words make a XXXX payment for the month of XXXX. She, when asked several times replied " yes '' that I could apply my XXXX points as to my monthly payment. I did so and before hanging up I again asked if she was sure my points applied WILL TAKE THE PLACE OF MY XXXX PAYMENT. She assured me that it would be used as my XXXX payment. WE disconnected. Several days later I attempted to use my Barclay card and it was declined. I called Barclay and between XXXX agents and over XXXX hours on the phone I was told that my rewards points COULD NOT be used as a monthly payment. Barclay demanded I make a XXXX payment immediately to open my card for use AND TO PREVENT reporting a late payment to the credit bureaus. I refused to make XXXX XXXX payment and disconnected the call. I sent a very detailed letter to the president of Barclay, XXXX XXXX. XXXX. The next day, today XXXX XXXX I received a phone call from a XXXX who advised she was from the president 's office. She advised me that she had listened to my phone call/conversation on XX/XX/XXXX. with the agent and confirmed that I WAS told that I COULD use my reward points as my XXXX payment, However the Barclay agent was wrong and that I was misinformed. I told her that was not my fault but Barclay 's fault. She agreed again that I was mis informed and referred me to read Barclay 's policy on the use of my rewards points. I told her Barclay took this account over 10 years ago and to please provide to me a copy of the point usage at that time. She refused to do that telling me to read the current policy. I reiterated that Barclay 's own agent told me I was good to go on unsinging my points as a monthly payment. She refused to honor what I was told and then demanded another XXXX payment and that my card would be unlocked AND Barclay WOULD NOT report a missed payment to the credit bureaus. I honestly could not believe what I was hearing. I just made a XXXX monthly payment by their own agent 's approval and now Barclay is demanding another XXXX payment or and if I didn't make that XXXX payment that Barclay would report negatively to the credit agencies. I don't know how I can be mis led by a Barclay agent then be held accountable. By the way, all of Barclay 's customer 's conversations are recorded. Thank You, XXXX 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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I filed a fraud dispute with Associated Bank on XX/XX/XXXX ( Case # XXXX ) regarding a massive wave of unauthorized debit card charges on my card ending in XXXX. While a portion of the historical charges date back to XXXX and fall outside the XXXX window, a significant volume of these unauthorized charges are within that limit. This includes a single day ( XX/XX/XXXX ) where my card was fraudulently hit XXXX separate times for {$10.00} each. These XXXX XXXX transactions fall strictly within the 60-day legal window under Electronic Fund Transfer Act ( EFTA ) / Regulation E. Associated Bank has issued a blanket denial on the entire case. When I escalated this, bank representatives explicitly stated that because the older XXXX charges are outside the 60-day window, the bank is treating them as " legitimate '' and using that to justify a blanket denial on the recent, validly disputed transactions. The representative effectively argued that because I can not dispute the historical charges, I am implicitly calling them legitimate. They claimed I can not state the new charges are illegitimate if I am conceding that the older ones from the same vendor are legitimate. This is completely flawed logic. My inability to recover funds for older charges due to a regulatory time limit does not automatically authorize or legitimize brand new, timely reported fraud. This is a direct violation of Regulation E. Failing to timely report older unauthorized transactions does not absolve the bank of its regulatory requirement to investigate and protect a consumer against distinct, unauthorized transactions that occur within the valid 60-day window of the current statement cycle. Associated Bank is misapplying the law to avoid their legal obligation to investigate and provide provisional credit for the recent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I dispute this alleged debt being reported and/or collected by Credence Resource Management , LLC. I requested proper validation of the account, but sufficient documentation has not been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
XX/XX/XXXX - Called Village Capital Mortgage XXXX to explain the situation for the XXXX time. I am going through a divorce. Part of the agreement is that I keep the home. The deed has been transferred into my name. I understand that the agreement states that I shall be solely responsible for and indemnify and hold wife free and harmless from any debt or expense associated with the property FROM THE DATE OF THE AGREEMENT FORWARD ( XX/XX/XXXX ) ; the date of separation is XX/XX/XXXX. It also states that within XXXX days, I will refinance or assume the Village Capital Mortgage XXXX to remove wife as an obligor. This period during which she has not contributed has left me in financial ruin. Despite her leaving the state illegally with my son, she collected alimony and child support from me while not contributing to the mortgage while living with family. Therefore, I have struggled to keep up, and my credit is ruined, making it nearly impossible for me to refinance or assume the mortgage. I believe that since she was legally obligated to contribute and did not from XX/XX/XXXX of XXXX to XX/XX/XXXX, I may have grounds for a claim. As far as I can tell, both parties remain responsible for the mortgage until the property is officially divided or refinanced. I am requesting a fair shake to refinance in my name only or to assume the mortgage myself, knowing that my poor credit is not solely my fault. All attempts have been moot points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a payment over the phone, which was not credited to my account. Bank of America overcharged fees and additional late payments, and then closed my account. Also, regarding my previous complaints with Bank of America over the past two years, I received a packet explaining why my claim was denied, but the letters in the packet were never sent to me. I never knew they opened a new account after I was hacked and closed my old account, which had a negative balance. I had paid fees for airline credit on Alaska that were never refunded, along with outstanding bank fees that Bank of America never paid. Why would I not pay my bill and destroy my XXXX XXXX of XXXX at that time, which dropped by XXXX points due to my horrible experiences with Bank of America, and have not recovered my high, almost perfect score? Another complaint with Bank of America, XXXXXXXX XXXX was when I took a one-hundred-dollar bill to be cashed over 90 days ago. It was not counterfeit - I checked the numbers. The tellers were ignorant and showed me newer bills - mine was a XXXX XXXX. They said they did not have a checker pen, so I bought one and went back the next day. They would not let me check my bill and kept it.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I just finalized case XXXX and filled in the feedback just to find another email from them in my inbox today. It seems that they despite confirming that I'm no longer on their marketing list can't get their system in order. This is exactly what have happened the countless of times when I have tried solving it with them directly. This is why i have turned to you guys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XXXX has placed collections on my account twice now for invoices they issued years after I ended my service with them, its completely fraudulent and I am extremely upset that they keep trying to destroy my credit for collections on fraudulent billings

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: FL

Complaint narrative:
I got a call from the bank asking about a transaction that was being made in XXXX. This was an unauthorized transaction. We then proceeded to dispute the charges, and I filed a police report. From what I believe the people who frauded my card used a skimmer. The bank declined the dispute because whoever stole my information managed to get my pin and copy my card onto whatever device or Card they use to steal money. The bank told me that the transactions were happening in XXXX, but I physically had my card and I was at work in XXXX XXXX XXXX. I did not give out my card info to anybody and I did not give my card to anybody. The Card was still with me. And to this day still is even after canceling the Card. They keep telling me because whoever managed to take the information used my pin and my card number that the transaction stands. They initially took {$400.00} from ATM then a minute later took {$500.00} from the ATM and afterwards they spent {$30.00} at a gas station another {$40.00} at a gas station and decided to spend {$560.00} at a target in XXXX as well. They decline reviews and I have only filed for fraud once and I believe it was about XXXX to XXXX years ago. I have been a good customer of theirs for almost XXXX years and even though I live out of state from any nearby branches, I still stuck it out and kept my account with them. I dont believe that I am being fairly treated. I do not have a history of fraud transaction disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
On XX/XX/26, I was the victim of a coordinated bank impersonation scam where individuals pretending to be Wells Fargo Fraud Department security personnel coerced me into taking out a {$3000.00} cash advance. The scammers actively manipulated me under the guise of " securing my funds, '' leading directly to this predatory loss. The bank 's total failure to detect the simultaneous unauthorized electronic transfers occurring on my checking account directly enabled this scam to progress to my credit line. Furthermore, Wells Fargo is currently charging me approximately {$190.00} in cash advance fees and high-interest penalties on a balance that was entirely manufactured by a criminal fraud ring. Holding a victim financially responsible for exorbitant fees and interest resulting from a documented crimewhile the bank 's own security systems failed to flag the concurrent suspicious activityis unfair, abusive, and punitive.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I dispute this alleged debt being reported and/or collected by Midland Credit Management , Inc . I requested proper validation of the account, but sufficient documentation has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CO

Complaint narrative:
XXXX XXXX XXXX ( Chime ) is in direct violation of a signed Colorado court order from Judge XXXX dated XX/XX/year> ( Case # XXXX ) ordering the immediate release of my {$1800.00} bank levy. I have repeatedly called their corporate switchboard and successfully faxed the signed judicial order 3 separate times on XX/XX/XXXX. Bank supervisors refuse to process the order stating 'different departments handle it ' and are illegally holding my court exempt rent money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I applied for Louisiana Servicemember Civil Relief Act benefits under Louisiana Statute Title 29:312. In applying, I provided orders demonstrating eligibility. On XXXX XX/XX/year> Wells Fargo denied my request stating that I was not eligible because the account was opened after my military start date. Although that applies to the federal SCRA law, it does not apply to the Louisiana law ; specifically, subsection A. I am entitled to have my interest rate limited to 6 % and have all funds paid in excess of that rate refunded.

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 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate and misleading information being reported on my consumer credit file. After reviewing my credit reports and the attached dispute letters, I identified multiple accounts reporting late payments, collections, and/or charge-offs that appear inaccurate, incomplete, misleading, or unverifiable. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of all information reported. Additionally, under 15 U.S.C. 1681i, disputed information must be properly investigated and corrected or deleted if it can not be verified with complete accuracy. These inaccuracies may be connected to compromised consumer information and recent data breach activity affecting financial institutions, furnishers, and consumer reporting systems. Because of these concerns, I am requesting a lawful reinvestigation of all disputed accounts referenced in my attached correspondence. The late payment reporting appearing on certain accounts does not accurately reflect my records and is unfairly damaging my credit standing. Additionally, the collections and charge-off accounts being reported appear inaccurate, misleading, duplicated, incomplete, and/or unverifiable. The continued reporting of this derogatory information is causing significant financial harm.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
LVNV FUNDING AMOUNT XXXX Send saying I owe that I asked for a contract with my wet signature proof that they own it. This is identity theft they stole my identity stole my information and now I'm trying to say I owe something that they don't own. VIOLATING MY RIGHTS MY RIGHTS. 15 US CODE 1692c 15 US CODE 1692g 15 US CODE 1681 e ( b ) 15 US CODE 1681b ( ax2 ) Reporting this false information to my credit report on all XXXX credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Creditor was removed due to identity theft and they put it back on my credit report with false information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
FSB changed their routing number resulting in missed payments on my end. When I called they did confirm the routing number did change and free of charge sent me new checks with the correct routing number. I then received a charge for {$28.00} for said checks which they will not refund. I want this fee to 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 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
my personal items were stolen out of my vehicle a police report was also add and sent with my dispute and i was refunded one of the ( 6 ) transactions that were not made by me on XXXX XXXX for {$100.00} there were ( 5 ) transactions that were denied by chime but all these transactions were back to back transactions within a minute apart of each other

Company response to consumer: Closed with explanation