vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Opportunity Financial, LLC
State: NY

Complaint narrative:
I am disputing a derogatory entry on my credit file that has created immediate and severe financial consequences. This negative mark has directly caused the rejection of a recent loan application and has resulted in my current creditors raising my interest rates, which has added substantial monthly costs to my budget. The ongoing presence of this disputed information is blocking my access to reasonable credit terms and is creating significant hardship for myself and my family. The financial strain and emotional stress caused by this negative reporting have been considerable, and I require immediate investigation and resolution to prevent further deterioration of my credit standing and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I made a payment on my Comenity credit card account and closed the account the same day in good standing. I spoke with XXXXXXXX XXXX XXXX XXXX 

After the account was closed, Comenity generated a statement and charged a late fee on XX/XX/year>. 

I was never informed at the time of closure that an additional statement or minimum payment would be required after the account was closed. 

Charging a late fee weeks after account closure without clear notice is misleading and unfair. 

I contacted Comenity customer service and was told the fee could not be waived because the account is closed, despite the payment being made earlier in the month and no delinquency existing at the time of closure. 

I am requesting removal and refund of the late fee and written confirmation that this account is reported as paid with no late or negative credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: UT

Complaint narrative:
On XXXX XXXX start to the fraud department and the vice president XXXX XXXX Told me that funds were withdrawn on XX/XX/year>, but he wouldnt tell me where my identity was stolen and these funds were taken out. I would like this bank community Federal savings to refund my money. {$290000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
This is an issue with XXXX order from XX/XX/year>. They said they would refund me for the amount of XXXX for a purchase that I made for food that was absolutely horrible in quality. They have not refunded me yet and I want that money back as guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This was the first complaint I submitted XXXX. I had a savings acct and was having all the issues presented. They finally closed the acct and sent me my money. I also had a XXXX XXXX XXXX XXXX with Barclays. When all these issues were going on LAST YEAR I said I wanted ALL accounts closed. My savings was but they left the credit card open. This month they sent me an email stating I am OVER DUE interest and late fee for the ANNUAL fee last month. ( Consumers have 60 days to XXXX XXXX card and have fees refunded or credited ). I have called them several times and msged them and they refuse to do anything except make me even more stressed. 
They refuse to give me access to the online acct. they refuse to close it. Now they are sending me payment demands via email telling me to log in!! When I can not! Barclays should not be allowed to operate in the XXXX with their ridiculous service. 

My nightmare started when last year a rep asked me verification questions. The same ones customers are asked and provide answers too when opening their accts. I gave my answers and the rep claimed one was incorrect. When I told him that was impossible as I know what cars Ive owned and I wouldnt have documented a different car he told me the answers they review arent from us instead Barclays uses a third party search engine? Absolutely ridiculous. I want the account closed I gave them notice months ago and now theyre trying to ruin my credit and make me pay interest on a annual fee charge for a card I do NOT want.

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 2026-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Dates XX/XX/XXXX to present. Lender continues to delay VA XXXX. Consistent delay by ( 1 ) mistakes in documents especially in prepaid penalty dates. Lender would set up early signing to collect prepaid interests instead of scheduling closer to end of month, ( 2 ) not following instructions like not omitting Escrow as they continue to add it. Property insurance had been paid for XXXX to XXXX XXXX which I provided the Lender the insurance information. Subsequently, I will pay my own property tax. But, the Lender continue to add an Escrow highlighting both Insurance and Property tax to create more cost on the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> mobile deposit made amount of {$1500.00} {$400.00} deposited Immediately remainder was to be paid next day XX/XX/year> At XXXX am I get a bank app notification stating Hold was placed on check for XXXX. Causing acct to be over drafted by {$270.00} and some change. XXXX with XXXX so called rude customer service agents XXXX XXXX hung up on me after answering. Several decided to get me off phone by escalating to next level of support. XXXX of which would resolve the issue just kept passing me to the next customer service rep it was a vicious frustrating cycle. Not XXXX agent cared that I needed that deposit to Live, I cant buy food gas for My car, XXXX sleeping in my car In XXXX degree weather bc of this Bogus hold no one can explain to me why it was placed I got several explanations none made sense. A few claimed it was the other banks fault for hold not them. I went to that bank and they denied it stating they had no reason to stop Wells Fargo XXXX XXXX that check and it Was Wells Fargo Who Placed hold Not Them. 
So XXXX suffering without my check so they can collect interest off Me and no one cares. I want my funds now plus any interest they collected, pain and suffering, and a monetary apology from them. XXXX knows they can afford it with how many people they do this to. They need to be shut down not fined!!!! XXXX and the system keeps allowing them to do this to consumers!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Comdata is the company that keep giving me the run around I had fraud committed against me in the amount of roughly XXXX dollars in three separate transactions comdata said that there fraud team investigated and concluded that it was fraud and my dispute was approved but I never received any credit back on to my account every time I call they just say they escalated the matter and I have to wait and theres nothing else to do. My dispute was approved on XX/XX/year> and I still havent received any funds can u please help

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding the closure of multiple Synchrony Bank credit accounts totaling approximately {$47000.00} in available credit, all of which were in good standing at the time of closure. 

Over the past several months, Synchrony Bank repeatedly approved new accounts and credit limit increases across my profile, reflecting ongoing internal assessments of my creditworthiness and account performance. These approvals included a XXXX XXXX XXXX approved at approximately {$11000.00} one to two months ago, a XXXX XXXX XXXX XXXX  credit limit increase from approximately {$3500.00} to {$6500.00} within the past two months, and a PayPal Credit account that received a credit limit increase last month and remains open. 

Most recently, I was approved for a CareCredit XXXX XXXX with an initial credit limit of approximately {$13000.00}. Shortly thereafter, I requested a credit limit increase to {$20000.00}, which was approved. Within approximately two days of the account openingand before I received or used the physical cardthe CareCredit account and several other Synchrony accounts were closed.

At the time of closure, the affected accounts collectively carried approximately {$2000.00} in balances, all current, representing low overall utilization and a perfect payment history. There were no adverse changes to my financial circumstances preceding the closures. 

When I contacted Synchrony Bank, I received inconsistent explanations, including references to ability to repay and possible fraud, neither of which aligned with the recent account approvals, credit limit increases, or lack of account activity. 

Given the sequence of recent approvals, repeated credit limit increases, the approval and immediate closure of a new account before card receipt, and the fact that certain Synchrony-issued accounts remain open, these closures appear inconsistent with Synchrony Banks own recent credit decisions and may reflect a procedural or system-related error rather than an accurate assessment of risk. 

I am respectfully requesting reopening of the affected accounts, or at minimum the recently approved CareCredit account, along with XXXX XXXX card and Amazon a clear explanation supporting the final decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo denied my disputed fraudulent unauthorized charge on my debit card because the charge in question was tapped yet I had my card on me at all times and made other charges several days later. On this alone they denied my unauthorized charge. Even though its well known that a card can be cloned and or added to an apple pay wallet. Yet they refused that and all my evidence such as. I was working on that day at XXXX XXXX and was no where near the XXXX place.that was on the other side of XXXX XXXX XXXX. Also neither my mother nor myself own XXXX this charge states it was for repairs and maintenance. Despite all this they still said no its denied. So now Im writing to you. Ive uploaded the charge in question and the second upload is where they wont let me resubmit a dispute. It was that number I called to inquire and they still denied me and in fact accused me of being a liar because other charges came in on that card days later. So the agent said the card could not be unauthorized elsewhere if it was still in my position weeks later. Please help me resolve this. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc
State: KY

Complaint narrative:
I am submitting this complaint regarding improper and unjust collection activity initiated by a financial agency. I dispute the validity of the alleged debt and have not been provided with adequate verification to support their claim. Despite this, the agency has attempted to send the account to collections. 

I have either never entered into an agreement for this debt, the debt is inaccurate, or the account was previously resolved. The agency has failed to provide clear documentation, itemized statements, or lawful proof that I owe the amount they claim. Their actions have caused unnecessary stress and raise concerns about compliance with fair debt collection and consumer protection laws. 

I am requesting that all collection activity cease immediately until proper verification is provided, and that this matter be investigated for accuracy and legality. I also request written confirmation of the account status and correction of any inaccurate reporting to credit bureaus, if applicable. 

I am asserting my rights as a consumer and expect this issue to be resolved promptly and in accordance with applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am formally disputing a collection account that your agency has placed on my credit report without providing me any prior notification or communication. This is the first awareness I have had of this alleged debt, and I have significant concerns about whether this account is accurate or even belongs to me. Under the Fair Debt Collection Practices Act, I have the legal right to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this right and demanding that you provide full validation, including the name of the original creditor, the total amount claimed, and documented proof that I am legally obligated to pay this debt. All collection activities and credit reporting must stop immediately until proper validation is furnished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I submitted formal personal identifying information ( PII ) correction requests to the consumer reporting agencies prior to disputing the Midland Credit Management account. 

XXXX received my PII correction request on XX/XX/scrub>XXXX XXXX received my PII correction request on XX/XX/scrub>XXXX XXXX received my PII correction request on XX/XX/year> While these PII reinvestigations were pending, I submitted account-level disputes regarding a Midland Credit Management collection account associated with XXXX XXXX XXXX XXXX 

XXXX  received the account-level dispute on XX/XX/scrub>XXXX XXXX received the account-level dispute on XX/XX/scrub>XXXX XXXX  received the account-level dispute on XX/XX/year> Despite unresolved PII issues and active account-level reinvestigations, Midland Credit Management verified the account as belonging to me and updated the tradeline to reflect recent activity during the reinvestigation period. 

Due to the failure of the consumer reporting agencies to properly resolve the PII issues and Midland Credit Managements continued verification and updating of the account during active disputes, I filed CFPB complaints on XX/XX/year> against XXXX XXXX XXXX XXXX 

Attached : CFPB screenshots of active PII complaints with CRAs Dispute results indicating verification and update of account ( XXXX XXXX XXXX verified and update dispute results Credit reports for all 3 CRAs indicating continuous post notification updating

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Tilt Finance, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX card number ending XXXX I am submitting this complaint because Tilt XXXX  has made it impossible for me to make my required credit card payment despite repeated good-faith attempts over approximately XXXX weeks. 

Tilt removed my XXXX bank and debit card payment options without explanation. Their mobile app displays errors and does not allow me to access my monthly billing statement. I have not received my statement by email or mail. 

In addition, Tilt has never provided me with an account number or usable billing statement, which has further prevented me from managing or paying my account. 

Prior to my due date, I contacted Tilt customer support multiple times to request access to my billing statement and a way to make payment. Tilt refused to accept payment by phone and failed to provide any alternative payment method, such as a payment link, mailed option, or manual processing. 

As a result of Tilts system and servicing failures, my account has continued to accrue interest even though I was ready, willing, and able to make payment on time. The inability to pay was caused entirely by Tilts actions and systems, not by any refusal or neglect on my part. 

I have maintained documentation of my repeated attempts to make payment, including documented phone calls, emails, screenshots of system errors, and call logs, which demonstrate that I attempted to pay prior to the due date and requested alternative payment methods. 

I am requesting : Immediate restoration of a valid payment method or acceptance of payment by phone Immediate delivery of my current and prior billing statements Reversal of all interest, fees, or penalties that accrued due to Tilts failure to provide reasonable payment access Written assurance that no negative credit reporting has occurred or will occur related to this issue This complaint is submitted because Tilt has failed to correct these issues despite repeated notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One via dealer is it company that I know nothing about it's on my credit report and I would like it removed because this is fraud and my name and I never put this on my account somebody is using my name trying to get a car in my name and they're defrauding My name by putting stuff on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: CA

Complaint narrative:
I used Klarna to finance a purchase through a Buy Now, Pay Later installment loan. The merchandise was never delivered. 

I am attaching the following for reference : 1. XXXX email claiming delivery to my front door no signature or photo provided. 
2. XXXX tracking notification showing the package was delivered at a certain time this is not proof of delivery. 
3. Report of driver claiming delivery I checked immediately afterward and the package was not present.

4. Screenshot of Klarnas original denial, showing the reason they initially provided for refusing my dispute.

5. Screenshots of Klarnas responses to my XXXX  complaint, which show varying and inconsistent explanations for denying the dispute.

6. XXXX communication on missing package - screenshot of communication with XXXX through their verified XXXX  ( XXXX ) account for documentation with proof that they are in communication with XXXX I reported the non-delivery to both the merchant and Klarna and provided all requested information. Klarna denied my dispute relying solely on tracking/email notifications, despite the lack of proof that the package was actually delivered to me while ignoring XXXX response to issue. 

Additionally, Klarna has provided inconsistent explanations for denying this dispute, changing the stated reasoning over time rather than addressing the lack of proof of delivery. 

Klarna is continuing to bill me for goods I did not receive. Charging a consumer for undelivered merchandise without proof of delivery is an unfair billing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A credit card was opened under my name with Synchrony. The emails mentioning that an account was opened were sent to my sisters work email address and I only found out because she notified me of 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 non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
15 USC 1681i Capital One never takes out the payments when they are being made. I made every payment but because they never took it out when I made it they sent my account to collection which wasnt fair.

Company response to consumer: Closed with explanation