vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: KS

Complaint narrative:
I am submitting this complaint regarding XXXX collection accounts that I do not recognize and have no knowledge of owing. It is extremely frustrating and distressing to discover debts being reported in my name that have not been properly verified and that I do not believe belong to me. In addition to the damage these collection accounts are causing to my credit profile, I have been subjected to repeated collection attempts through various communication channels, including communications that reference potential legal action. As a law-abiding consumer, I find it unacceptable to be treated as though I am responsible for debts that I do not recognize. This situation has taken a significant toll on my mental well-being, caused ongoing stress and XXXX, and has even affected my ability to sleep peacefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XXXXXXXX XXXX XXXX I closed my American Express XXXX XXXX account ( ending XXXX ) via online chat. At the time of closure, my account held approximately XXXX Membership Rewards points, worth an estimated {$3500.00} {$7000.00}. During the chat closure process, the agent explained a number of reasons and benefits of keeping the account open, but did not mention my current point balance and the risk of losing it whatsoever. The forfeiture of these points was disclosed only after our back and forth and my final statement that I wished to proceed with the closure. At that point, the loss of points was disclosed within a lengthy block of standardized fine-print text. There was no specific, prominent warning that I was about to permanently forfeit a points balance of this magnitude, no statement of the points balance at risk, and no offer to pause the closure so I could redeem or transfer the points first. A reasonable consumer would not understand from that disclosure that they were destroying thousands of dollars in value with XXXX click. On XX/XX/year>, I logged on to the account to use some of the points in my account and discovered the points were not available. I immediately contacted American Express by phone on XXXX occasions ( most recently XX/XX/XXXX ) and spoke with XXXX representatives, requesting either reinstatement of the points or reinstatement of the account itself. I was told that a supervisor would call me back, but received no call back. All representatives refused both requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: KY

Complaint narrative:
I opened an US Bank account in XXXX Ky online. Yes it was a new account. I received XXXX individual XXXX deposits of XXXX dollars each. It was received from XXXX XXXX XXXX both XXXX deposits. For some reason, they assumed fraudulent activity and had. Been at the hands of the. Fraud and XXXX department almost XXXX months which is XXXX. That was a legal and legitimate transaction from a family music company that I know indeed. So with that being said, you either release the funds to me or send it back to the sender. it is not yours ok to keep in a XXXX XXXX account for no reason for that. XXXX XXXX XXXX address : XXXX XXXX ASAP or I will include law enforcement.

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 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a SaksFirst credit card holder ( account ending XXXX ) of XXXX years with an unblemished payment history and a {$30000.00} credit limit. My account was set up on autopay. When Saks migrated its credit card program to Bread Financial / Comenity Capital Bank, I now realize my autopay was discontinued. I was not notified in a way that prompted any action on my part, and because I was not actively using the card, I was not opening what I assumed were routine statement emails with autopay confirmations. At no point did Bread Financial attempt to contact me directly by phone or mail to alert me that payments had stopped and that my account was becoming delinquent. Furthermore, when my autopay was discontinued and my account was effectively reset during the migration, I was not reverted to paper statements. Had I received physical mail indicating a missed payment or growing balance, I would have acted immediately. Instead, I continued receiving only emails I had no reason to open, with no physical correspondence of any kind. As a result, XXXX months of late fees ( {$150.00} total ) and interest ( {$49.00} total ) accrued on an original purchase balance of {$330.00} charges that would not have occurred had my autopay not been silently dropped during the bank migration. On XX/XX/year> ( approx. XXXX XXXX XXXX, number called : XXXX ), I contacted Bread Financial to resolve this. The female representative was confrontational, repeatedly interrupted me, speaking over me, and told me I " needed to be punished '', " take the penalty '' for " not being responsible '' and paying. She offered to reverse only 3 of the 4 late fees and refused to address the interest. When I asked to escalate, she transferred me to a supervisor, but the connection was very bad and then dropped and never reestablished. On XX/XX/year>, I called again and spoke with a representative named XXXX. He repeated the same partial offer and called it " non-negotiable. '' When I asked to speak to a supervisor, he told me I already had, the previous day. XXXX and I had already covered this topic, so I reminded him that I had not actually spoken to a supervisor the prior day because the connection was dropped ; he insisted I had, repeatedly talking over me without acknowledging what I was saying. When I mentioned that I found it hard to comprehend that this is the treatment Saks/Bread provides a 30-year cardmember with a {$30000.00} credit limit and raised the possibility of closing my account, the call was disconnected. I have also sent a formal written complaint to XXXX requesting a full waiver of all fees and interest given the circumstances, and offering to pay the original {$330.00} balance in full immediately upon resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
MY CHIME ACCOUNT AND DEBIT CARD WAS COMPROMISED AND MULTIPLE CHARGES BEGAN BEING CHARGED TO MY CHIME CHECKING ACCOUNT ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: EQUIFAX, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
We believe Freedom Mortgage misled us regarding our COVID forbearance. We were repeatedly told that the forbearance amount would simply be moved to the end of our loan and would not affect our monthly payments. We were never informed that additional loans, liens, or separate balances would be created as a result of the forbearance. Over time, we discovered what appeared to be multiple loan balances associated with our property, including a substantial deferred amount that was never clearly explained to us. Payments were applied inconsistently, and we were never given a clear understanding of which balance our payments were being applied toward. At no point did Freedom Mortgage adequately explain the structure of these accounts or obtain our informed understanding of how the debt would be handled. We requested copies of the complete loan and forbearance documentation on multiple occasions and were assured that the documents would be mailed to us. Despite these promises, the requested paperwork never arrived. The lack of transparency and communication placed our family in an extremely difficult financial position and nearly resulted in the loss of our home. We were only able to avoid foreclosure and complete the sale of our property because our realtor stepped in and helped us navigate the situation. We are requesting a complete accounting of all loan balances, deferred amounts, liens, partial claims, payment applications, and all documents related to our forbearance agreement so we can fully understand what occurred with our mortgage.

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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am a small business owner using Square as my payment processor. On XX/XX/year>, a chargeback dispute for {$3500.00} was filed by a third party ( a friend of my client ) who had used his credit card to pay for my client 's coaching program enrollment. My client immediately confirmed she had not authorized the dispute and the cardholder, XXXX XXXX, contacted his card company the same day to cancel the dispute. On XX/XX/year>, I called Square and was assured repeatedly by a Square representative that my bank account would NOT be debited while the dispute was under review. Despite this explicit assurance, Square debited {$3500.00} from my bank account that same day, causing my account to go into overdraft and resulting in overdraft fees and significant financial hardship. Since XX/XX/XXXX I have called Square every day. I have been given multiple conflicting timelines for the return of my funds first " today or tomorrow, '' then " XX/XX/XXXX, '' and now no specific date at all. The dispute was cancelled by the cardholder with his card-issuing bank on XX/XX/XXXX. Square 's own disputes team member ( XXXX ) confirmed on XX/XX/XXXX that the reversal letter has been submitted for internal review. It is now XX/XX/year> XXXX days after the dispute was cancelled and my {$3500.00} has still not been returned. I am a small business owner and this money is critical to my daily operations. I am requesting immediate release of my funds and reimbursement of all overdraft fees incurred as a direct result of Square 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
b"date of incident XXXX truist sent me a text message asking if i completed a transfer of XXXX with a company called XXXX . i answered fraud in the text and called truist quickly. i been fighting with them stating this wasn't me i have a police report identify theft report ftc report and ic3 . i called all credit bureaus to let them know . i didn't do this . the bank gave me the money back until there investigation is over . they decided that i did this transfer and took the XXXX i been to the bank non stop everyday speaking . every day i am not at work i lose money im a XXXX XXXX . because of all of this i haven't had a paycheck just so i can pay my employees and make ends meet . the landlord knows what's going on and is stating he start charging me late fee . i cant pay my home bills either . i just bought this home XXXX XXXX years ago and my identity was taken . on XXXX XXXX XXXX the bank took the money back . when i asked for the a new investigation they did told me i should hear back from them soon . they called me the next day to say it was denied and staying that way when i asked her for paper work why she said subpoena me.im a single mom making ends meet with a XXXX XXXX XXXX XXXX XXXXXXXX i didn't do this please help me get my business money back im a sole proprietor . i contacted attorney general office XXXX and they advised me to do this as well. i have emails of me and the bank and i even have a picture of the fraud text of that date as well . i don't know what else to do i don't want to lose my business and my home over something i didn't do . who ever did this has everything my address my shop information my home i have kids i don't feel safe as it is i dont want to lose our home nd business. from the emails they stated i did this . please help me get my money back so i don't lose my shop or home im borrowing money just to make ends meet and cant do that any more .any document i can email .everything is on my phone"

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
SUPPLEMENTAL EVIDENCE SUBMISSION FOR OPEN COMPLAINT ID : XXXX Pursuant to the open administrative record initiated on XX/XX/year>, I am submitting critical supplemental documentation to be merged with the active file. On XX/XX/year>, I formally served the institution with a statutory Request for Accounting and Statement of Account under UCC 9-210 via their secure messaging portal, carrying a strict XXXX compliance window ending XX/XX/year>. As evidenced by the attachment, the institution formally acknowledged receiving the specific request but has systematically refused to provide the requested documentation in writing, repeatedly deploying automated customer-service macros to deflect communication onto a non-recordable phone line. This file is submitted to officially document the institution 's ongoing noncompliance and communication evasion while the primary case remains open and under review. Please route this evidence immediately to the XXXX compliance group managing the core file!

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 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Capital Solutions
State: NJ

Complaint narrative:
I was trying to take take out a XXXX lease policy, and I was informed that I could not get an approval due to outstanding balance/collections. I was never called to be made aware of this debt, nor emailed. After finding out today, I called XXXX and told them i was never made aware of the debt. The collector incorrectly stated my email as XXXX. This is not my email address and is an invalid address. The collector then harassed me, raised her voice and called me vile names, before hanging up the phone. I am aware of my rights as a consumer and that I do not have to listen to harassing, intimidating, and bullying because she incorrectly documented my email address.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-06-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX I requested to provide me proof in written confirmation in the resolution within XXXX days. Under the Fair Credit Act 15 u.s.c 1681 accuracy of report whatever a consumer reporting agency. Follow reasonable to assure all information is accurate. Any items not verify inaccurate should be removed 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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have XXXX payroll check from my work. I deposited them both mobile deposit XX/XX/XXXX to Wells Fargo. The payroll check was dated XX/XX/XXXX. My account went into a hold. They told me they couldnt access my funds until XX/XX/XXXX. I called and spoke to a manager they said it could take up to 10 days now to lift the hold and re-deposit the checks.

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 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
XXXX calls on XX/XX/year> XXXX & XXXX from Simms from ( XXXX ) XXXX. After I checked the number on my phone service & XXXX it said it was XXXX company. I called the number back asking who is calling they said XXXX XXXX XXXX XXXX. He keeps asking first is this XXXX and I asked him what your company name is after he said it was from XXXX XXXX, and he ended the call. The XXXX company says scammers, debt collectors use their name as a decoy which is not allowed through their business rules. I don't want people who don't give the correct information should be calling me. Please help me out with this situation. Thank you for your help with this matter. Let me know what you find out.

Company response to consumer: Closed with explanation