vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 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: TX

Complaint narrative:
On XX/XX/2026, I canceled my nutrition and medication subscription with XXXX XXXX in writing ( " effective immediately '' ) via text and email. The monthly subscription was supposed to include compounded XXXX XXXX and nutrition coaching. I never signed any contract locking me in for 3 months I only told the owner XXXX XXXX I wanted to do it month-to-month, and he signed me up without having me sign anything. When I went to cancel, he automatically charged me {$890.00} for two additional months. I was experiencing significant side effects from the compounded XXXX medication provided through the gym, and I received absolutely no nutrition coaching whatsoever. Despite my clear cancellation, XXXX processed the unauthorized charge the same day. When I asked him for a signed contract proving I owed this money, he refused to provide one and told me to dispute it with your bank. XXXX was acting as an unlicensed middleman illegally reselling compounded prescription XXXX medication through his gym ( visible in the gyms own XXXX XXXX XXXXXXXX XXXX ). This is against Texas law regarding the distribution and resale of prescription medications. This matter is currently under active investigation by the Texas Attorney Generals Consumer Protection Division ( case XXXX ) and XXXX XXXX XXXX I filed a dispute with Barclays ( XXXX # XXXX, Dispute Reference XXXX ). Barclays denied the dispute without properly investigating this obvious unauthorized post-cancellation charge. Their customer service has been horrible and appears to strongly favor the merchant over their own customer.

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 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was a victim of identity theft .. I was XXXX at the time the original account was opened from XXXX until XXXXwhich is why I disputed the account as not mine .. it was removed from my reports but sold to a collection agency and now the collection agency is trying to collect a dept from me that is not mine .. A copy of a letter from my XXXX XXXX with the date of my XXXX and release dates will be uploaded as proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX role in collection and litigation activities related to an alleged debt for which Midland Credit Management is the named plaintiff. I previously filed CFPB Complaint No. XXXX regarding Midland Credit Management XXXX In its responses, Midland repeatedly attributes certain communications, validation efforts, and litigation-related activities to XXXX. Because the events at issue span both entities, I am seeking a direct response from XXXX regarding its role in the chronology reflected in the documentary record. My concern is not whether communications were sent or whether records exist. My concern is the timeline reflected in the available documentation, including correspondence, mailing records, postmarks, delivery confirmations, validation communications, and subsequent litigation activity. That chronology culminated in XXXX XXXX XXXX XXXX XXXX Case No. XXXX, to which I was required to file an Answer in order to protect my legal rights and avoid a default judgment. I preserved these materials because the sequence and timing of events appeared significant. Despite raising concerns regarding that chronology, I have not received an explanation addressing how the timeline was evaluated, what records were relied upon, or how the actions taken were determined to be proper. I am requesting that XXXX explain the records, mailing information, procedures, and chronology relied upon in reaching its conclusions regarding this matter. I have preserved supporting documentation, including correspondence, certified mail records, delivery confirmations, and envelopes showing mailing and postmark dates, and can provide those materials upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I filed a dispute because I am a student this year who purchased a laptop from XXXX. They would not let me return the laptop even though it had many hardware issues and the camera and finger print sensor did not work. I reached out to this company multiple times with no answer and I let Chime know that. I submitted over 30 photos of evidence and videos of the computer not working and people who had similar reviews to mine. Once my claim was processing they notified me that my account was being closed. I have been banking with them for years and they closed my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union ( NFCU ) improperly adjusted the Annual Percentage Rate ( APR ) on my XXXX XXXX credit card account ending in XXXX without lawful justification or proper notice. Recently, I discovered that my purchase APR was not adjusted solely with the U.S. Prime Rate. These multiple adjustments are improper for the following reason ( XXXX ) : My account is a variable-rate card. However, this increase does not align with changes to the U.S. Prime Rate, nor does it match the margin agreed upon in my original contract. NFCU raised my rate as a penalty, but failed to provide the legally required XXXX advance written notice before changing my rate. Examples of my rate fluctuations : XX/XX/XXXX : 12.99 % XX/XX/XXXX : 13.24 % ( increase ) XX/XX/XXXX : 13.74 % ( increase ) XX/XX/XXXX : 14.49 % ( increase ) XX/XX/XXXX : 15.24 % ( increase ) XX/XX/XXXX : 15.99 % ( increase ) XX/XX/XXXX : 16.74 % ( increase ) XX/XX/XXXX : 17.24 % ( increase ) XX/XX/XXXX : 17.49 % ( increase ) XX/XX/XXXX : 17.74 % ( increase ) XX/XX/XXXX : 17.99 % ( increase ) XX/XX/XXXX : 18.00 % ( increase )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: FL

Complaint narrative:
I received a debit card tht said it was supposed to have funds from a third party deposited into my account but I have received multiple cards and I can never figure out how its supposed to be received it says its funds deposited on the card but its never been deposited

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 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Account Access and Customer Service Concerns To Whom It May Concern, I am writing to file a formal complaint regarding unauthorized access to my Chime account and the inadequate customer service I received while attempting to report the issue. I believe my account was accessed without my permission by someone I know personally. As a result, I contacted Chime to report the unauthorized activity and request assistance. However, during my interactions with customer support, I felt that my concerns were not taken seriously. I had difficulty communicating with the representative, and despite repeatedly explaining that my account had been compromised, I did not feel that appropriate urgency or support was provided. I am requesting the following actions : An immediate investigation into the unauthorized access to my account. A review of all disputed transactions and reimbursement for any fraudulent activity, if applicable. Written confirmation of my fraud claim and a case reference number. A review of the customer service interaction to ensure that customers reporting fraud receive clear and effective assistance. I have documented the dates and times of my communications and can provide any additional information needed to support my claim. I value the security of my financial information and expect this matter to be handled promptly and professionally. Please contact me regarding the status of this investigation and the next steps in resolving this matter. Thank you for your attention to this serious issue. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
It was a utility bill made under my name. I believe a family member used my information. The bank information used is not mine and I want it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am writing to complain about XXXX 's attempt to collect {$250.00} for sneakers I purchased from XXXX, which arrived with the wrong merchandise. I purchased the sneakers using XXXX financing, and when the package arrived on XX/XX/XXXX, the shoes inside the box were not the pair I ordered. I immediately contacted XXXX, providing proof of the incorrect item I received, and was informed that they were unable to compensate me. In addition, I was told I should dispute the transaction with my payment provider. I then contacted Afterpay and explained that I received the wrong merchandise, and I was informed that they do not compensate for incorrect orders received. I was treated as if the manner was simply customer dissatisfaction rather than me being robbed of my hard-earned money. Because neither XXXX nor XXXX resolved the issue, I disputed the first installment payment through my bank with evidence, and on XX/XX/XXXX, my bank ruled in my favor, and the provisional credit provided became permanent. Despite this outcome and the proof I provided that I received the wrong merchandise, XXXX continues to demand payment for the remaining installments, has suspended my account, and is attempting to get the payment through collection agencies. I have made good-faith efforts to resolve the issue through proof of communications with FWRD, documentation of the bank dispute decision, and photographs of the wrong shoes received, and I have been denied. I am requesting that XXXX cancel the remaining balance and cease all collection activity related to this disputed transaction. It is unfair and unreasonable to attempt to collect payments for goods that were not provided after substantial evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America issued a payoff confirmation and XXXX XXXX on XX/XX/XXXX. Despite this, they processed an additional payment of {$810.00} on XX/XX/XXXX, and so I contacted them to issue me a refund check for the overpayment. When I deposited that check on XX/XX/XXXX, Bank of America unilaterally reopened the account without any notification received by me. I had no knowledge that the loan was active again. Only after I received an adverse credit alert of a late payment did I realize the loan was reopened, and I contacted Bank of America to resolve this. I then paid {$810.00} on XX/XX/XXXX to cover what Bank of America said was the remaining payment and interest accrued on the account. XX/XX/XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX {$810.00} The reported late payment is the direct result of Bank of America 's own error a fact acknowledged verbally by their customer service team. The creditor has refused to correct this reporting despite research requests XXXX and 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 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: OK

Complaint narrative:
I applied for a loan at one main financial online and was immediately approved for {$5000.00} personal loan and secured. They said they just needed to do a phone interview to finish processing loan and they could send the money asked for my personal account information and everything. I actually asked for access to my personal checking account and I gave it the next day after the interview later on that day. I got a denial after getting an approval. There was no real root cause for the denial. I am a banker and I would not have applied for this loan. Had I not thought I couldve gotten it. On top of that I found this loan through XXXX XXXX, which has the XXXX XXXX guarantee or they will pay you {$50.00} if youre denied. Not only did I get denied. I did not get an offer from XXXX XXXX for that {$50.00} so this is a two-part complaint of the XXXX parties working together to get people to apply for these loans and take hits against their credit that are unnecessary. Im pretty upset about this because I couldve gone another route now. I have to wait a few months for my credit straighten out because now I dont have a loan to match my inquiry. This was the worst experience Ive ever had, and I will never tell anybody to go through XXXX main.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: AES/PHEAA
State: PA

Complaint narrative:
This is regarding XXXX XXXX XXXX, Cancellation Representations, Forbearance Placement during dispute, and Continued Interest Accrual. I am filing this complaint regarding a private career/student loan associated with services provided by XXXX, XXXX through XXXX, transferred and currently serviced by American Education Services XXXX AES ). On XX/XX/XXXX, I enrolled in XXXX career placement program after being laid off from a long-term role. I entered into financing through XXXX based on representations regarding career support, mentoring, placement assistance, and a placement guarantee within the agreement period. Following completion of the program period, I disputed the agreement due to deficiencies in service delivery, limited mentorship engagement, lack of meaningful support, and failure to achieve placement outcomes. XXXX subsequently represented on multiple occasions that my refund and/or loan cancellation was being processed. Based on these representations, I submitted requested documentation and delayed escalation while awaiting resolution. On XX/XX/XXXX, XXXX leadership communicated that company assets had been foreclosed upon, operations were winding down, and resources were limited despite prior representations that cancellation was being processed. XXXX placed my account into hardship forbearance/deferment without my request while cancellation discussions and account closure discussions were ongoing. I was not provided : Reason why XXXX did not pay refunds to them A clear explanation for why forbearance was used instead of cancellation review A written timeline for resolution Clarification regarding continued interest accrual during the dispute period Interest continued accruing while cancellation discussions and dispute review remained unresolved. On XX/XX/XXXX, servicing of the account transferred to American Education Services while the dispute remained unresolved and while cancellation representations remained outstanding. As a result : The balance increased during periods in which cancellation related discussions, dispute review, and servicing uncertainty remained unresolved. I remain responsible for a disputed balance that has increased beyond the original financed amount of {$20000.00} XXXX incurred legal expenses attempting resolution Legal counsel contacted Edly in XX/XX/XXXX and did not receive a substantive response I relied on repeated cancellation representations and delayed escalation based on those statements I continue experiencing financial harm from ongoing accrual and disputed servicing actions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo closed my account at another customers request. On XX/XX/year>, I discovered my account was closed when I went to a branch to deposit a check. A Wells Fargo representative told me the computer stated the account was closed at the customers request, which I never made. When I called customer service, they said it was reported that I went into a branch and caused trouble with another customer while she was opening an account and because of this, the bank decided to close all XXXX of my accounts. This is completely untrue. I have never stepped foot in a branch with that customer. I have no idea who they are referring to. I believe Wells Fargo has confused me with another person entirely. Despite my requests, Wells Fargo has refused to explain why my accounts were closed. They are now holding my money and have told me they will mail me a check on XX/XX/year>. This has left me without access to my funds for daily living expenses. Basis for complaint : Wells Fargo has ( XXXX ) closed my accounts based on a case of mistaken identity, ( XXXX ) admitted on a recorded phone line that they confused me with another customer, ( XXXX ) refused to provide a valid reason for closure despite my request, and ( XXXX ) is unlawfully withholding my money. I am requesting immediate release of my funds via wire transfer or cashier 's check, and written confirmation that this error will not appear on my ChexSystems report.

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 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im requesting that my address be updated. I am requesting that my personal information be fully updated and corrected. The credit bureau is still reporting old, inaccurate, and unauthorized addresses on my file. Under the Fair Credit Reporting Act ( FCRA ) 1681c-1 ( a ) & ( b ) and 1681g ( a ) ( 1 ), I am requesting that all incorrect or unverified addresses be blocked, removed, and no longer reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was a victim of XXXX XXXX .. I was incarcerated at the time the original account was opened from XXXX until XXXXwhich is why I disputed the account as not mine .. it was removed from my reports but sold to a collection agency and now the collection agency is trying to collect a dept from me that is not mine .. A copy of a letter from my XXXX XXXXXXXX with the date of my incarceration and release dates will be uploaded as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I entered into an arrangement with Fifth Third Bank to make split XXXX XXXX in order to pay down my loan faster and stay paid ahead. Before beginning this payment method, I confirmed with customer service that XXXX payments were acceptable and would be applied properly. For years, I received statements showing a XXXX balance due, confirming that my account was paid ahead. In XXXX, due to medical issues, I again contacted customer service to verify that my account was still ahead. I was told it was. I continued making payments including extra payments with the understanding that I remained ahead. In XX/XX/XXXX, during my husbands transplant, I noticed that all payments were suddenly being applied only to interest, even though I had been paid ahead. This was the first indication that something was wrong with how my payments were being applied. I repeatedly requested a full review of my payment history to ensure payments were applied correctly. Fifth Third Bank refused to review prior months and would not correct misapplied payments. Instead, they informed me that I was behind on interest, without providing any explanation of : how I could be behind when I had been paid ahead, how interest was calculated, how payments were being allocated, or why biweekly and additional payments were not applied to principal as previously confirmed. Additionally, I attempted to apply for medical hardship assistance, which is listed on Fifth Thirds own website. I was told that medical hardship was not available, despite the published information indicating otherwise. Despite multiple attempts to resolve the issue, Fifth Third Bank has not provided transparency, has refused to correct payment application errors, and has not supplied a clear accounting of principal versus interest. This has caused financial harm and significant stress during an already difficult medical period for my family.

Company response to consumer: Closed with explanation