vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: LA

Complaint narrative:
Direct dispute / validation - account XXXX I dispute this alleged debt and the accuracy and completeness of your credit reporting. This is a direct dispute under 12 C.F.R. 1022.43 and the FCRA. To the extent you are a debt collector, this is also a request for debt validation and verification under 15 U.S.C. 1692g. Do not interpret this letter as an acknowledgment of liability, a promise to pay, or a waiver of any rights or defenses. As a furnisher, you must conduct a reasonable investigation, review all relevant information, and correct or delete information that is inaccurate, incomplete, or can not be verified. See 15 U.S.C. 1681s-2 ( b ) and 12 C.F.R. 1022.43. As a debt collector, you must not falsely represent the character, amount, or legal status of a debt or communicate credit information known or which should be known to be false, including failing to communicate that a debt is disputed. See 15 U.S.C. 1692e ( 2 ), 1692e ( 8 ), and 1692f. Your reporting identifies XXXX XXXX as the original creditor, an original balance of {$340.00}, and a current balance of {$360.00}. I dispute the amount and demand a complete itemization of every additional charge, the service agreement, final bill, service dates, date of first delinquency, and documents establishing your authority to collect and report. Provide competent documentary support, including the original signed agreement or application, complete account-level payment history, contractual due dates, date of first delinquency, itemization of principal/interest/fees/credits, charge-off records, and any sale or assignment documents sufficient to establish ownership and reporting authority. A screen print, generic affidavit, or conclusory electronic verification is not sufficient to resolve the specific inconsistencies identified. If you can not substantiate every material field with reliable records, immediately request permanent deletion of the tradeline from XXXX XXXX XXXX XXXX If you continue reporting during the investigation, report the account as disputed to every consumer reporting agency. Send me your written investigation results and copies of the documents relied upon. This dispute is made in good faith and is specific. It is not a request to suppress accurate information merely because it is unfavorable. I demand deletion of each item that is inaccurate, incomplete, materially misleading, duplicated, obsolete, or can not be verified through a reasonable investigation. Please send me the written results of your investigation, an updated copy of my consumer report, the name, address, and telephone number of every furnisher contacted, and a description of the procedure used to determine the accuracy and completeness of each disputed item. Sincerely, 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 2026-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I am filing this complaint because ChexSystems and XXXX XXXX XXXX are reporting inaccurate and/or unverifiable information that has negatively impacted my ability to open bank accounts. I disputed the information and requested that they investigate and provide documentation verifying the accuracy of the reported information. To date, the information has either not been properly verified, remains inaccurate, or has not been corrected. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate information and conduct a reasonable investigation when a consumer disputes information on their report. I am requesting that ChexSystems and XXXX XXXX XXXX : * Conduct a thorough investigation of all disputed information. * Provide documentation showing how the information was verified. * Remove any information that can not be verified or is inaccurate. * Send me an updated consumer report reflecting any corrections or deletions. * Notify any financial institutions that received the inaccurate report of any corrections made. I expect this matter to be resolved promptly in accordance with the Fair Credit Reporting Act.

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 2026-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have an account placed on my credit for XXXX XXXX XX/XX/year> for {$190.00}. That is not my service provider I have been at my current address since XXXX XXXX. Spectrum is and has been my service provider.

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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citi Simplicity cc made a double deduction from my checking account on XX/XX/XXXX and XX/XX/XXXX of {$460.00} XXXX was due to company error of early payment nos eliminating payment on 'due date '. The overpayment was acknowledged on XX/XX/XXXX and a return of the XX/XX/XXXX deduction of {$460.00} was promised, via paper check, within XXXX business days. When no check was received, they were contacted. At that time they acknowledged that no check had been cashed, canceled the outstanding check, and once again promised receipt of a second check " within XXXX business days ''. XX/XX/XXXX will be 2 MONTHS without receipt of the funds due to me. At this point, 'paper checks ' are no longer acceptable and I will only allow an electronic reimbursement of my {$460.00} due. A direct deposit ( ACH ) transfer back into the checking account, from which they were received,

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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I made XXXX payments of {$1000.00} on XX/XX/XXXX and XX/XX/XXXX against my credit card balance. USAA is acknowledging they have my funds and are opting to not apply it against my available limit. I have requested a written hold notice and a XXXX verification call with my bank to verify that the payment has been drafted and will not be returned. They are refusing both options. The fact that they are admitting that they have my money and aren't making it available, given the economic climate seems particularly dangerous.

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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I deposited a check for the amount {$18000.00} on XX/XX/XXXX via mobile deposit. {$10000.00} was made available immediately with {$8000.00} on hold. On XX/XX/XXXX my account was placed in restricted status. I called and was transferred to fraud department. I was informed due to the check amount and immediate withdraws of approximately {$5500.00} the account was flagged for fraud. I verified and confirmed all information and no fraud was found. I was informed that the check was still in processing and the account will remain restricted until complete. Funds availability was dated for XX/XX/XXXX. I was given access back to my other accounts at this time. On XX/XX/XXXX I was again locked out of all my accounts. I called back in and was informed that it was due to the check looks as if it will be returned. I asked returned for what reason which they were unable to provide. At that point the agent submitted a re-review which extended the funds availability to XX/XX/XXXX. We were informed on Tuesday by our friend that the check has cleared his account on XX/XX/XXXX. On XX/XX/XXXX my husband deposit a cashiers check in the amount {$3000.00} into our other checking account. On XX/XX/XXXX that account was then restricted. On XX/XX/XXXX the funds from the {$18000.00} were made available in our accounts however the restrictions remained on the account. When I called in again ( XXXX hour call ) to have the restrictions lifted the fraud department ( XXXX ) had verified everything and informed me the restrictions have all been lifted from the accounts. I went to the ATM later in the afternoon and discovered the accounts were again restricted. I called back in ( as USAA is all online banking ) and was informed the fraud department again placed restrictions on accounts and was saying check will be returned. The check has not yet been returned and funds are available, however we have no access to our funds. When my husband called he was informed that every time we call they are restarting the review process all over. I never submitted a third review on the check and at this point the funds have already been made available with no returned check. Our funds are being held hostagXXXX by USAA.

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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I bought a XXXX XXXXXXXX XXXX XXXX and paid for it through XXXX in XX/XX/XXXX for {$2500.00}. they lowered my XXXX limit. On XX/XX/XXXX I purchased a XXXX XXXX XXXX {$2600.00}. On XX/XX/XXXX I purchased a XXXX XXXX XXXX {$3500.00}. Immediately after this, Im started getting letters from Wells Fargo saying that they were closing my account so I looked online my credit card that had over {$1300.00} of points and was completely paid off had been closed and all my points are gone. I purchased these vehicles from a website called Auto bid master already received these vehicles. I have paperwork showing the invoice and lot numbers and the purchase price along with the XXXX amount I paid. Ive talked to Wells Fargo employees three times on the phone. The first two people told me that they could not tell me a reason why my account was closed. The last person I talked to said it was because I should not be buying auctioned off cars with a XXXX payment. They are closing my personal account and my business account but immediately shut off my credit card account. They told me it was considered fraudulent activity. But would not elaborate I do not think that this is fraudulent activity to buy a used car from an auction thats open to public.

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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter from Citibank advising me that they will be closing my account. The letter says they reviewed my banking records and made the decision. The letter is very general. Does not give a detailed explanation. I have not had any unusual transactions. I have called them several times and visited a local branch. Each call lasts on average XXXX minutes requiring me to authenticate myself over and over again. They end up hanging up on me or telling me they will send a message to the department. The local branch did the same. My banker sent an email to the department handling the closing of accounts. They have not returned his emails. I have already expended many hours trying figure out why they are closing my accounts. The only possible reason I can come up with is that they may be discriminating against me because I am Armenian. Time is running out, and I'm feel that this is a delay tactic to run the time until the account closure date arrives. I come to you for help. Closing my accounts is going to cause a great deal of hardship to me. I request that you urgently contact Citi on my behalf and demand they not close my accounts because doing so would mean that I have to physically go to another bank to open new accounts, change all automatic payments and deposits such as Social Security and other government checks. Social security and government related checks require substantial time to call and take care of. Automatic payments XXXX miss a payment and then I will have to pay late fees and penalties. I do not have time to go to physically go to another bank nor make many calls. My husband is a XXXX victim. He is paralyzed on XXXX side. I have to work and take care of him at the same time and raise our children. I also help my elderly mother and special needs sister who live XXXX miles away. I visit them 3 times a week. I do not have time to open new accounts and rearrange automatic payments. Thank you in advance for your time in reading this and anticipated help. 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 2026-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX and or XX/XX/XXXX {$300.00} was unauthorized XXXX from my account. I only XXXX XXXX once on XXXX {$80.00} for a use tire, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. I immediately reported the fraudulent transaction to Bank of America. My claim has been denied 4 times already. The transaction was not authorized by me. Bank of America is saying I XXXX the money and is saying they sent me a code and I sent it back. At that time I wasnt getting codes from Boa because they were not coming through. In addition, that account was supposed to have been frozen where funds could. go into the account but would not come out of the account. l have requested the documents for the reason of the denials I never get them. Fraudulent XXXX comes under Regulation E and they are in violation of it s statue pertaining to fraudulent XXXX cases.

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 2025-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
My loans were forgiven under PSLF in XXXX. I was contacted by email that my loans were defaulted. I contacted Mohelia the loan service only to discover they owed me money. I was told I should get refund XX/XX/XXXX. ( Contacted XX/XX/XXXX ) I contacted them again XX/XX/XXXX. Told stop payment was put on check. Should get XX/XX/XXXX. Here we are in XX/XX/XXXX. No payment. I am battling XXXX. and the amount of medical debt is growing. I have Tried every single day to contact Mohelia. Only to be on hold for hours to get no response as to when they will issue my refund. I dont have the energy to stay on hold for hours. Can someone please assist me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
As of XX/XX/year> the debt collection on my credit report from LVNV funding is not my debt. I have never done any business with the company XXXX XXXX, also the name that is on the report is the wrong name. I have never lived at the address that was reported on the collections. I have attempted to contact this company and was told that I would have to pay money to have the debt removed from my credit report. Which is incorrect. You should not have to pay any money to have a incorrect credit collection report removed, especially if it is a fraudulent/incorrect charge pr debt to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
I am submitting this complaint against Mohela for failing to discharge my federal student loans as required by the U.S. Department of Education Borrowers Defense Program. The Department of Education issued a notice that my loans were to be discharged effective XX/XX/year>. I received communication that my loans met all eligibility criteria and would be discharged based on my enrollment at XXXX XXXX from XXXX. Despite this Mohela has contributed to list the loans as active, has failed to update their records, and has not processed the discharge as ordered. I have attempted to contact Mohela several times and have been placed on hour long holds without resolution. This is causing financial harm as a result of inaccuracies in credit bureau reporting and has led to emotional stress. This is a clear failure to comply with federal directives. I am requesting that CFPB intervene to ensure Mohela immediately complies with the Department of Educations discharge order, removed the loan balance from my account, and updates any reporting to credit agencies as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a 90-day late payment on my student loan account serviced by MOHELA/DOFED. According to the federal deferment policies implemented during the COVID-19 pandemic, my student loans were placed in forbearance, and payments were paused under extended federal relief guidelines. At no point was I notified via phone, email, or mail that this deferment had ended or that payments were due. Due to this lack of communication, I remained under the reasonable impression that my loans were still in deferment or forbearance due to financial hardship. Despite this, a 90-day delinquency was reported to the credit bureaus. I reviewed my Payment History Line, and it does not reflect any missed or late payments. The 90-day late status appears only in the Payment Status Line, which creates a discrepancy that misrepresents my account activity. This may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit bureaus ensure the accuracy and integrity of the data reported. Given the circumstances and the absence of any valid or communicated obligation to make payments during the period in question, I respectfully request that MOHELA/DOFED immediately remove the inaccurate 90-day late payment notation from my credit reports with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peterson Young P.C., d/b/a  Miller Cohen Peterson Young P.C.
State: CO

Complaint narrative:
I am submitting this complaint against Miller Cohen Peterson Young P.C., the law firm handling wage garnishment for case filed in XXXX XXXX, Colorado. As of XX/XX/year>, my employer informed me that the remaining garnishment balance was only {$81.00}. However, when I contacted the collectors office, I was told I still owed over {$1100.00} due to alleged post-judgment interest. I requested a full, itemized accounting in writing on XX/XX/year>, and again via certified mail on XX/XX/year>. I clearly asked for : The original judgment amount Interest rate applied Payment history How the {$1100.00} balance was calculated Despite these requests, I never received a response or any documentation from the collector. I have since filed a Motion to Determine Satisfaction of Judgment with my local County Court, as I believe the debt has either been satisfied or can not be verified. I am very concerned that the collector may resume garnishment or attempt to collect additional funds in the future, despite not being able to justify the claimed balance. This lack of transparency and failure to provide verification appears to violate the Fair Debt Collection Practices Act. I am requesting assistance in obtaining the required documentation and ensuring no further unjustified collection occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unauthorized credit reporting of a rental-related debt in the amount of {$19000.00}, which is being reported on my credit report. This amount is not accurate and was not authorized or awarded by the court. There is no judgment, court order, or legal determination that supports the reported balance of {$19000.00}. Despite this, the debt is being furnished to the credit bureaus as if it is valid and legally owed. The reporting party has failed to provide any documentation showing : A court judgment authorizing this amount A signed agreement supporting this balance A lawful basis for reporting this debt as valid and collectible Reporting an inflated and unauthorized balance is misleading, inaccurate, and harmful, and constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires information furnished to consumer reporting agencies to be complete and accurate. This inaccurate reporting has negatively impacted my credit profile and ability to obtain housing and credit. I am requesting that the CFPB require the reporting party to : Provide legal documentation validating the debt and amount claimed, or Immediately correct or delete the tradeline if it can not be properly verified. I also disputed this information in XX/XX/XXXX and have not recieved a response as of XX/XX/XXXX I have documentation showing that the court did not authorize this amount and am prepared to provide it upon request.

Company response to consumer: Untimely response