vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bilt Technologies, Inc.
State: KS

Complaint narrative:
In XX/XX/XXXX, I had a Bilt rent rewards card through XXXX XXXX. Bilt decided to sever ties with XXXX XXXX and offered customers credit cards through Bilt rewards. I opted for the Bilt Blue card. The rent rewards account was converted to a XXXX XXXX autograph credit card and the balance of {$1400.00} from the XXXX XXXX rent rewards card was transferred to my XXXX XXXX XXXX card. I paid this amount in full to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, my Bilt Blue card account was activated and the amount of {$1400.00} was illegally and fradulently transferred to this account, even though it had already been transferred to XXXX XXXX, and paid for. I called Bilt to discuss this and the person I was speaking to said she could not help me because she could not see any activity on my account. She said the only way I could get help was to call a different number. The number she gave me is a prompt-only number that does not allow the option to speak to a live agent. I have sent emails to Bilt 's support email address, with no response. I have used their " chat '' option, with no response. I have sent a message via their XXXX account with no response. Their customer service is non-existent and they do not provide any recourse for customers who have disputes regarding amounts on their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year> I sent Jefferson Capital a certified letter requesting validation of debt they have against me, giving them the XXXX days as outlined by the FDCPA, but they never responded to my request even though they signed the return receipt when they received the letter. I submitted a dispute through XXXX in XXXX with proof and was not removed from my credit report either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank is closing my account with explanation, they are also trying to hold my money in the account for 60 days, which I spoke with a lawyer and they stated thats illegal, Im asking they release my fund immediately.

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 2026-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America does not pay checks when the deposit is showing coming thru they have done this all the time then it says check was paid and then get a text showing check return and deposit put back in to the account this keeps messing me up with my bills to be paid

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 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to the results of your recent investigation regarding the account listed above. While you stated that the disputed information was verified as accurate, I respectfully disagree and am requesting a reinvestigation of this matter. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and thorough investigation of any disputed information on my credit report. At this time, I am requesting that you provide : A detailed description of the method used to verify the accuracy of this account The name, address, and contact information of any third parties you contacted during your investigation Copies of any documents or records used to support your findings Additionally, I am disputing the accuracy of the following elements, which I believe may still be incorrect or incomplete : Payment history / rating Dates reported and/or updated Historical/trended data If you are unable to provide sufficient documentation to substantiate the accuracy of this account, I request that the item be corrected or removed from my credit file immediately. Please be advised that reporting inaccurate or incomplete information may constitute a violation of the FCRA. I expect this matter to be handled promptly and in accordance with federal law. Kindly send me written confirmation of the results of your reinvestigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Regional Finance regarding repeated and ongoing harassment, as well as their failure to comply with federal consumer protection laws. I have formally retained a debt settlement company, XXXX XXXX XXXX to represent me in all matters related to my outstanding debts. I have provided Regional Finance with multiple written notices clearly stating that I am represented and that all communication must be directed exclusively through my authorized representative. Additionally, legal correspondence from my representation has been sent to reinforce this requirement. Despite this, Regional Finance has continued to contact me directly. Within the past XXXX days alone, I have received XXXX ( XXXX ) phone calls and XXXX ( XXXX ) voicemails from them. These repeated attempts to contact me directly, after being clearly notified of my representation, constitute what I believe to be harassment and a violation of my rights under XXXX law, including the Fair Debt Collection Practices Act ( FDCPA ). Their continued disregard for proper communication protocols and legal notice is not only stressful but unacceptable. I have made every reasonable effort to ensure compliance by providing documentation multiple times, yet these efforts have been ignored. I am requesting that the CFPB : XXXX. Investigate Regional Finances conduct. XXXX. Require them to immediately cease all direct communication with me. XXXX. Enforce compliance with applicable federal laws and consumer protections. XXXX. Take any appropriate corrective or disciplinary action. I am prepared to provide documentation of all correspondence, call logs, and voicemails upon request. Thank you for your attention to this matter. I look forward to a prompt resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXXXXXX consumer filing a complaint against National Credit Systems , Inc., located in XXXX, XXXX, regarding abusive debt collection conduct and failure to properly validate an alleged debt. National Credit Systems INC. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX On XX/XX/year>, a representative of National Credit Systems who identified themselves by the last name XXXX engaged in harassing, coercive, and verbally aggressive conduct during a recorded telephone call. During that call, the representative attempted to pressure and force us into agreeing to an unreasonable monthly payment arrangement that we could not afford. The tone and conduct were intimidating and appeared designed to coerce payment rather than to lawfully discuss the account. In addition, National Credit Systems has failed to properly validate the alleged debt despite our dispute. Instead of providing competent verification and full supporting documentation, they have only provided a basic line-item rental ledger or rental roll and a copy of a lease. That does not adequately explain or substantiate the full amount claimed, the basis for the charges, the accounting history, or how the balance was calculated. We dispute the debt and the amount claimed, and we do not believe the collector has met its obligation to provide proper validation of the alleged debt. We are requesting that this matter be investigated for abusive, coercive, and potentially unlawful debt collection practices, including the use of harassing verbal tactics and the failure to provide meaningful validation of the debt after dispute. We also request that National Credit Systems be required to cease unlawful collection activity, provide proper documentation supporting every amount claimed, and correct or remove any inaccurate credit reporting connected to this disputed account. We are preserving all records relating to this matter, including the date of the call, the identity of the representative as provided, and the fact that the call occurred on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my credit report by Affirm. I discovered that Affirm is reporting an account on my credit file that I dispute in its entirety. I did not provide written authorization or permissible purpose for this account to be furnished on my consumer report. This reporting appears to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( Section 602 ) regarding my right to privacy, and 15 U.S.C. 1681b ( Section 604 ) which limits the circumstances under which a consumer reporting agency may furnish a report. Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment as late on an open consumer credit plan. Any reporting of late payments by this company is inaccurate and unlawful. I have previously disputed this account with the credit reporting agencies, yet it continues to be reported without proper verification. I am requesting that Affirm provide documented proof of this alleged account, including a signed agreement bearing my signature, or immediately delete this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
This complaint is related to CFPB Case # XXXX submitted against XXXX XXXX XXXX XXXX. GM Financial services the lease and has not provided the money factor or explanation of how the 8.6 % interest rate was calculated. There is also a conflicting dealership document showing 6.2 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I opened XXXX and it was closed by the bank for reasons other than what I opened the case for, meaning, the case was opened for a predatory ad that MUST be read prior to me having access to the account, there is no way to stop or opt out of the predatory ad. I feel harassed that if I dont comply with their balance transfer offer I will be XXXX day locked out of my account for non-compliance with their offer. The bank closed out the last ticket saying I will no longer receive convenience checks in my billing statements, I never received them and thats NOT the issue I am having, they also said I will not receive direct marketing for additional services, I was already opted out of that so basically they claimed to fix XXXX issues I never complained about and ignored the hard stop on me getting to my account data threating me by not choosing their offer I can never access my account.

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 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by First Tech Federal Credit Union. A charged-off account with an approximate balance of {$22000.00} is being reported across multiple credit bureaus in a manner that is inaccurate and misleading. The account continues to be reported as delinquent on a monthly basis despite being closed, which creates a false impression of ongoing default activity. Additionally, the account is being reported inconsistently across credit bureaus, including differences in balances, dates, and status. I formally disputed this account and requested proper verification, including the original contract, full payment history, and the Date of First Delinquency. These requests were not properly addressed. Under the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) requires maximum possible accuracy XXXX U.S.C. XXXX requires a reasonable investigation XXXX U.S.C. XXXX ( b ) requires furnishers to investigate disputes The continued reporting of this account without proper verification and with inconsistencies constitutes inaccurate and potentially misleading reporting. I am requesting : Immediate deletion of this account from all credit bureaus Confirmation that the account has been removed A full explanation of how this account was verified I have attached documentation supporting my dispute. This issue has negatively impacted my credit profile and must be corrected immediately.

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 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Marlette Funding, LLC
State: IA

Complaint narrative:
I closed a credit card in XXXX of XXXX. Company emailed me in XX/XX/XXXX stating I did not pay remaining interest on the card. Which I did. I contacted credit card company and they said it was a glitch in their system. They escalated the issue and it was supposed to be resolved on XX/XX/XXXX of XXXX. The notes on my account clearly stated this. The amount was just over {$36.00}. I received an email on XX/XX/XXXX stating I missed a payment and I had a late fee. I contacted them again on XX/XX/XXXX and disputed the charges again, stating that my notes stated they removed the interest and late fees back in XXXX. The credit card company stated they were escalating the issue again and I would be contacted in 24-72 hours. Never heard back. I received another email on XX/XX/XXXX that I still missed a payment. I contacted again on XX/XX/XXXX and the card company stated they would need to escalate the issue once again. And I should be contacted with 24-72 hours. The last rep said that the issue was resolved but their system charged me again and added on daily interest. The bill is now over {$45.00}. One rep said I should just pay this so it will just go away. Because of this my credit report has been dinged a few times on a closed account that was fully paid off in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hi I have been trying to get resolution for months in regards to a missing deposit. Below is my original correspondence and the now closed case numbers are below as well. I would like to have my case with Wells Fargo and I am including documentation from XXXXXXXX XXXX Please have Wells Fargo to use the provided trace number to identify where my deposit went to... thanks. Closed case numbers : XXXX XXXX Original message : On XX/XX/XXXX I transferred XXXX dollars from my account at XXXX bank to my account with Wells Fargo. Before the money reached Wells Fargo I initiated a closure of that account. I assumed my funds would be bounced back and sent to the XXXX bank account but it never was. I have contacted both banks several times with XXXX ultimately saying the issue is with Wells Fargo and provided me a trace number of XXXX XXXX which I gave to Wells Fargo but still no solution.

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 2026-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Pay Pal allowed a fraudulent charge. I disputed it. Within a few hours they denied my dispute and allowed it. This made my Pay Pal account and my linked account vulnerable. They won't let me unlink my other account to protect it. I filed another dispute. No response and I still can't close my Pay Pal account or unlink my bank account making both vulnerable to additional fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: GA

Complaint narrative:
I tried disputing this account because i know its not mine i didnt open it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MO

Complaint narrative:
My cash app account was closed on the XXXX of XX/XX/year> because they said I violated the rules and regulations I never violated anything they will not give me an explanation on this matter in the meantime since my accounts closed my card is deactivated and I have refunds coming in and they won't let me access my funds I have called and I've called and I've called and I've emailed them and they will not give me my money I just need my money for my children

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing in response to your attempt to collect an alleged debt. I dispute this debt in its entirety. To date, I have not received any written notice or documentation from your company containing details of this alleged debt, including any account number, amount owed, or original creditor, as required under the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ). Pursuant to my rights under the FDCPA, I am requesting full validation of this alleged debt. Please provide the following : XXXX. The name and address of the original creditor XXXX. The full amount of the alleged debt, including an itemized breakdown of all charges, fees, and interest XXXX. Copies of any lease agreement or contract bearing my signature that establishes my legal obligation to this debt XXXX. Documentation showing that I agreed to any changes in lease terms, including any amendments or addenda XXXX. Proof that Source Receivables Management is legally authorized to collect this debt XXXX. Documentation showing that I took possession of or resided in the property in question Please be advised that I never occupied or resided in the apartment referenced. Additionally, the terms of the lease were altered by management without my knowledge or consent, and I did not sign or agree to any revised terms. Therefore, I do not believe I am legally responsible for this alleged debt. Until you provide proper validation as requested above, you must cease all collection efforts and communication with me regarding this matter. If you are unable to provide the requested documentation, I request that you immediately cease collection efforts and remove any reporting of this debt from all credit reporting agencies. I also request that all future communication regarding this matter be conducted in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: DC

Complaint narrative:
I closed by XXXX account and returned the equipment as instructed. XXXX later claimed the equipment was not received and charged me for it. I contacted XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX to resolve the issue and requested proof that the equipment was not returned, but none was provided and the issue was not resolved. The account was then improperly sent to collections and is now being reported as a collection account, damaging my credit. I do not owe this debt, and XXXX has failed to provide documentation supporting their claim. I am requesting that this account be removed from collections and all credit reporting agencies immediately and that XXXX corrects their records.

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