vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am reporting a fraudulent loan application submitted to Regions Bank ( formerly EnerBank USA ) on XX/XX/XXXX. I did not submit this application, authorize it, or have any contact with Regions Bank prior to receiving a denial letter dated XX/XX/XXXX. That letter was the first time I became aware of Regions Banks involvement. 

My only legitimate financing inquiry was made online through EnerBank USA in connection with a furnace quote from XXXX XXXX XXXX. The furnace was ultimately repaired, and no financing was needed. I never signed any loan agreement with EnerBank, and I was unaware that EnerBank and Regions Bank were affiliated. 

Regions Bank has since claimed in writing that they have notes from XX/XX/XXXX of you calling in. This is false. I did not call Regions Bank on that date. The only calls I made were after receiving the XX/XX/XXXX letter, when I contacted Regions twice to report identity theft. If someone called using my name, that is impersonation. If a XXXX submitted my information and then called pretending to be me, that is fraud. If Regions records are incorrect, they must be corrected. 

The denial letter stated that my application was rejected due to internal credit standards. This is not credible. My XXXX  FICO score is currently XXXX ( Very Good ) and was likely slightly higher in XXXX. A legitimate application from me would not have been denied for credit reasons. This further supports that the application was unauthorized and submitted with incorrect or incomplete information. 

I have requested documentation from Regions Bank, including : - Confirmation that the application is marked as fraudulent - Method of submission ( portal, phone, contractor system ) - Contractor or merchant ID used - Date and time of submission - IP address or caller ID associated with the application - Call notes from XX/XX/XXXX - Confirmation that no account was opened and no loan was disbursed This matter is already under investigation by : - XXXXXXXX XXXX XXXX  XXXX Federal Trade Commission - XXXX XXXX XXXX XXXX XXXX Consumer Frauds Bureau I am requesting that the CFPB require Regions Bank to : - Provide all documentation related to the fraudulent application - Correct any inaccurate internal records - Confirm in writing that no account exists in my name - Confirm that the application has been formally classified as identity theft - Provide the submission metadata needed for 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 explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: ME

Complaint narrative:
My credit went from XXXX down to a XXXX for no reason I have the same outstanding no new debt no changes beside the payment I've been making in to my account

Company response to consumer: Untimely response
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Product/Service : Auto Loan Company : Wells Fargo Bank , N.A . 
Account Number ( last 4 ) : XXXX APR : XXXX XXXX Term : 5 years What happened? 
Wells Fargo is failing to apply my auto loan payments in accordance with their own published payment application policy, resulting in improper interest charges.

According to Wells Fargos own website ( XXXX ), under the FAQ Can I make a principal payment on my loan?, the policy explicitly states : You can pay your account up to 3 months in advance. Once the account is paid ahead 3 months, the additional amount will be applied to principal only. 
My account is currently paid more than 3 months in advance. Despite this status, Wells Fargo continues to deduct interest from my payments rather than applying them 100 % to principal as their policy requires. 
Payment History : XX/XX/XXXX : New Loan - {$26000.00} XX/XX/XXXX : Automatic Loan Payment - {$460.00} XX/XX/XXXX : Payment Reversal - - {$460.00} XX/XX/XXXX : Web Direct Debit Payment - {$460.00} XX/XX/XXXX : Web Direct Debit Payment - {$1300.00} XX/XX/XXXX : Principal Receipt - {$610.00} XX/XX/XXXX : Web Direct Debit Payment - {$460.00} XX/XX/XXXX : Principal Receipt - {$1500.00} Total payments made ( net of reversal ) : Approximately {$4900.00} With a monthly payment of {$460.00}, these payments put me more than 3 months ahead. Per Wells Fargos stated policy, all additional payments after reaching 3 months ahead should be applied to principal onlywith zero interest deduction. 
The Discrepancy : Current Outstanding Principal Balance : {$24000.00} Principal Reduction Since Origination : {$2200.00} Total Payments Made : ~ {$4900.00} Amount Applied to Interest : ~ {$2700.00} At XXXX XXXX XXXXXXXX on ~ {$25000.00}, proper interest accrual should be approximately $ XXXX, or ~ {$330.00} over two monthsNOT {$2700.00}. 
Wells Fargo has failed to apply my payments as principal-only once my account reached 3+ months paid ahead, in direct violation of their published policy.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing a formal complaint regarding Ally Banks improper freezing and closure of my personal bank account following a misclassified service dispute that was incorrectly treated as fraud. 

I was asked by my sister to help clean a residential home for XXXX XXXX one of her cleaning clients. I am not a business, this was not my business operation, and this was a one-time personal service done as a favor/assistance. XXXX XXXX paid me for cleaning her house. 

I received {$180.00} via XXXX as payment for the cleaning. The customer was dissatisfied with the service and instead of requesting a refund, she disputed the transaction with her bank as fraud. 

This was not fraud. 
This was a service dissatisfaction dispute, which should have been handled as a refund issue not as fraudulent activity. 

As a result of this dispute, Ally Bank froze and closed my personal account, blocking access to all of my funds, including : My available personal funds Pending deposits A {$10000.00} federal tax refund scheduled to deposit into this account The customer has since been fully refunded by my sisters cleaning business ( XXXX XXXX XXXX ) and is in the process of closing the dispute with her bank. Despite this, Ally Bank continues to restrict access to my funds.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Business Processing Solutions, LLC
State: VA

Complaint narrative:
In XX/XX/year> I was notified that Professional Account Management , LLC was collecting toll debt related to the XXXX XXXX XXXX XXXX. The current balance is {$2400.00}. 

Because of this debt, a XXXX registration hold was placed on my vehicle. As a result, my vehicle was impounded and is currently being held at a tow yard that is charging {$60.00} per day in storage fees. 

I contacted Professional Account Management multiple times requesting a reasonable hardship settlement or temporary XXXX hold release so I could register my vehicle and recover it to maintain employment. The only adjustment offered was a {$75.00} credit, which does not meaningfully reduce the balance or resolve the XXXX hold. 

No reasonable settlement or hardship option has been provided, despite explaining that the vehicle is necessary for work and that ongoing storage fees are creating severe financial hardship. 

This enforcement has effectively resulted in the seizure of my vehicle due to debt collection activity, with no workable resolution offered. 

I am requesting assistance in obtaining a fair hardship settlement or temporary release of the XXXX hold so I can recover my vehicle and continue working.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
This letter constitutes formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You are hereby directed to CEASE AND DESIST all communication with me regarding the above-referenced alleged debt. This demand applies to all forms of communication, including but not limited to telephone calls, letters, emails, text messages, and any communication with third parties. 

Furthermore, I dispute the validity and accuracy of this alleged debt pursuant to 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. To date, Jefferson Capital Systems, has failed to provide proper validation establishing that : - the alleged debt is legally owed by me, - Jefferson Capital Systems, has lawful authority to collect or report the account, and- the information furnished to consumer reporting agencies is complete and accurate. 

Accordingly, you are hereby demanded to : 1. Immediately cease all collection activity ; and 2. Remove and delete this account from all consumer reporting agencies, including but not limited to XXXX XXXX XXXX XXXX 

Any continued collection efforts, furnishing of information, or verification of this account to any consumer reporting agency without proper validation may constitute willful noncompliance with the FDCPA and FCRA. Any such violations will be documented and may result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, as well as potential civil action. 

This notice is not an acknowledgment of any debt, nor a waiver of any rights or remedies available to me under federal or state law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC I am filing this complaint regarding inaccurate and unverified credit reporting by this company. 

I previously disputed this account with the credit reporting agencies. Despite my dispute, this company continues to report this tradeline without providing proper verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

The company has failed to provide : Proof of legal ownership and chain of title A signed consumer agreement Proof of permissible purpose to report A complete and accurate accounting of the balance Evidence of a reasonable investigation under FCRA 1681s-2 ( b ) Continued reporting without proper verification constitutes negligent and willful noncompliance with federal law. 

I am requesting that this company either provide full legal verification or permanently delete this tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
I am disputing the accuracy and validity of a collection account being reported by THE BUREAUS. The account was opened on or around XX/XX/year> and is reported with an open balance of approximately {$470.00}. 

I dispute this debt because THE BUREAUS has failed to provide proper validation proving that I owe the alleged amount and that they have the legal authority to collect and report this debt. Despite the account being marked as disputed by consumer, the company continues to report the account without providing verification of the original obligation, a complete payment history, or documentation showing how the balance was calculated. 

Additionally, the reporting appears inaccurate and incomplete under the Fair Credit Reporting Act ( FCRA ), as the account lists THE BUREAUS as both the original creditor and the collection agency, which is misleading. I have not been provided with evidence of an original contract, billing statements, or assignment of debt. 

I am requesting that THE BUREAUS either provide full and proper validation of this account or remove the account from my credit report if they can not substantiate the debt as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
help my rights are being violated 15 u.s c. 1692g ( b ) of the FDCPA requires debt collectors to cease collections activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not XXXX  % accurate. Until you provide competent evidence that validates the debt including a signed agreement full account history and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: WY

Complaint narrative:
i sent a dispute letter for debt validation. I have not received any confirmation it's been over 3 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I have been unable to access my VyStar Credit Union account for over XXXX  days. 
The system repeatedly says my username and password are incorrect, even after an agent helped me reset my credentials and I was able to log in XXXX. 

After that, the system locked me out again for security reasons. 
VyStar representatives confirmed this is a system error on their side, but days have passed and I still have no access to my account or online banking. 

This situation has caused me stress and prevents me from managing my money and paying obligations. 
I am requesting immediate restoration of access or a temporary solution while they fix their system issue.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: PA

Complaint narrative:
I found on my card that I got a returned payment fee for {$30.00}. I did nothing to cause this and do not know how i got charged 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 monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am filing a complaint regarding an unauthorized electronic funds transfer in the amount of {$1000.00} that occurred through my Chime account via a Pay Friends transaction.

I did not authorize this transfer, did not initiate it, and did not receive any benefit from it. I believe my account and identity were compromised. 

I reported the unauthorized transaction to Chime promptly on XX/XX/year>, and fully complied with the dispute process. Despite this, Chime denied my claim stating that no error occurred, without providing evidence of authorization, device or IP information, authentication logs, or a detailed explanation of how authorization was determined. 

Chime did not issue provisional credit and failed to demonstrate compliance with the Electronic Fund Transfer Act ( Regulation E ), which requires financial institutions to prove that a disputed transaction was authorized when a consumer reports it timely.

The denial has caused financial hardship, including delayed essential bills. I am requesting reimbursement of the unauthorized funds and full documentation relied upon in denying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: MA

Complaint narrative:
On XX/XX/year>, I sent a formal legal notice to the " Office of the President '' at Barclays/JetBlue requesting a Reasonable Accommodation under the Americans with XXXX XXXX ( XXXX ) and the Equal Credit Opportunity Act ( ECOA ). I am a XXXX consumer in a documented crisis, and I requested that my account be " recalibrated '' and " separated '' to pause negative reporting during my recovery. 

Instead of engaging in the required interactive process or granting the accommodation, Barclays engaged in immediate Retaliation. Less than XXXX hours after receiving my protected request, on XX/XX/year>, Barclays summarily CLOSED my account ( listed as " Responsibility Terminated '' ), despite my request to keep it open and restructured. 

This is a violation of the ECOA ( retaliation for exercising rights ) and the XXXX ( failure to accommodate ). They ignored my deadline to cure ( XX/XX/year> ) and chose to take Adverse Action to punish me for advocating for my rights.

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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: SC

Complaint narrative:
My complaint is against XXXX XXXX XXXX XXXX because I received aligners from XXXX XXXX XXXX XXXXXX/XX/2024 I tried to cancel way before the aligners were ever sent. XXXX XXXX XXXX  acted as though they never spoke to me or remembered speaking to me. I tried to cancel because i saw on social media they were going out of business which was shocking since they accepted my order. It was constant back and forth until they sent the aligners and then next thing you know they went out of business in XX/XX/2024 leaving me with a box of aligners no further treatment as promised and I have had several issues with my teeth with no help as promised by XXXX XXXX I think its unfair that the finance company is still trying to collect when services were not rendered as promised for life. Also I tried to cancel which I feel was ignored by XXXX XXXX due to their knowing they were going bankrupt. Its not good business practice and it is unfair to myself and plenty of consumers. I still have to pay additional money with an XXXX to actually get my teeth fixed so pay {$1700.00} to a finance company for services not rendered is absurd and they also sold my account to a debt collector known as Tekcollect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation