vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Over months, the bank XXXX my ability to pay online ( without notice ) multiple times, and charged me a late fee. Across 2 occasions, I spent approximately 4 hours trying to resolve this issue through online chats and phone calls with the bank, which was unable to establish my ability to pay online.

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 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Validation of Debt Request - NAVY FEDERAL CR UNION - XXXXXXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am filing this complaint against American Express for a systemic failure to honor a high-value targeted promotional offer and for their lack of responsiveness over several months. 1. Facts and Offer Validity : Targeted Invitation : I received a specific, targeted invitation for the American Express Platinum Card offering XXXX Membership Rewards ( XXXX XXXX points. Application Timeline : I submitted my application on XX/XX/year>, which was 5 days prior to the offers expiration date of XX/XX/year>. The Error : Despite my eligibility for the XXXX offer, XXXX XXXX XXXX XXXX failed to correctly track and apply this promotion to my account. Instead, I was erroneously credited with only XXXX points upon meeting the spending requirements. 2. Lack of Professional Resolution : I have contacted American Express multiple times to correct this technical discrepancy. I have several registered Case. For months, American Express has acknowledged these cases but has provided XXXX substantive updates or written resolutions. This delay is unacceptable for a premium card product. XXXX. Basis of Complaint : I applied for this card with the reasonable expectation that as a targeted customer, my account would be linked to the XXXX offer. There was no clear disclosure during the application process indicating that my targeted bonus would be downgraded. This appears to be a technical processing error on American Express 's side. XXXX. Requested Resolution : I am requesting that American Express manually adjust my balance to reflect the XXXX XXXX XXXX promised in my targeted invitation. I am seeking the immediate credit of the XXXX difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Total Card, Inc.

Complaint narrative:
I had a emblem credit card i never was late and i never used the card I got a email saying i owed some kind of fee I called them I asked them what the fee was for they said it was a annual fee I paid them and I closed the account after I closed the account they put on my credit report that I was 30 days past due and said I still owed them XXXX dollars I called them again this time they waive the fee but still say I was 30 days past due I couldnt been 30 days past due because it was paid I have asked them and called them more than 4 times to ask for a statement showing I was 30 days late they said they couldnt send me one because I didnt have a account anymore I have disputed this 5 times thur XXXX it they refuse to take off the 30 days I was never late I never ever used the card I have the card for years never made a purchase then all sudden I get this fee this is unacceptable and it is affecting my credit I would like for them to take this off Thank you XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am disputing a {$430.00} charge from XXXX ( Case # XXXX ) for a digital XXXX key that was defective and already redeemed upon delivery and or not working. Discover has denied my dispute and subsequent appeal, claiming the transaction is valid because I authorized it. However, I was never disputing the authorization. I am disputing a failure of delivery for functional goods. The merchant XXXX is trying to use their " Terms and Conditions '' to claim a refund is impossible because the key was " displayed, '' even though the key was non-functional. These are digital codes that you buy, that you are only allowed to refund before you see the code itself. So am I just supposed to lose my money because I saw the code and upon redeeming it it was invalid? I talk to XXXX support, and I was told to contact XXXX, XXXX tells me to contact the third party seller, and Discover is focused on if I made the purchase only. I provided Discover with official evidence from the product issuer ( XXXX ) including Error Code : XXXX, which explicitly states the voucher was already redeemed and NOT applied to my account which was shown in the provided screenshots of the chat with support. Despite this direct third-party verification that the product was non-functional, Discover has ignored my evidence and is allowing the merchant to keep my money for a 'dead ' code. This evidence straight from XXXX was apart of an appeal to my dispute officially denied by Discover in a letter dated XX/XX/year> thats provided below. To which I strongly believe this is a violation of my rights to dispute defective merchandise under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is attempting to collect a time-barred debt in violation of California law and the FDCPA. ACCOUNT DETAILS : - Account # : XXXX XXXX XXXX XXXX XXXX - Amount : {$800.00} - Original Creditor : XXXX XXXX XXXX XXXX. - Date Opened : XX/XX/XXXX - Current Status : Still reporting on credit reports STATUTE OF LIMITATIONS VIOLATION : California 's statute of limitations for debt collection is 4 years. This debt is now over 5 years and 6 months old ( opened XX/XX/XXXX ). The statute of limitations EXPIRED in XX/XX/XXXX. ILLEGAL ACTIVITY : Despite this debt being time-barred, Midland Credit Management XXXX 1. Continues to report it to credit bureaus ( XXXX XXXX XXXX ) 2. Last updated the account XX/XX/XXXX XXXX. Lists it as " derogatory '' and " in collection '' Under California Civil Code Section 1788.14 and FDCPA Section 807 ( 2 ) ( A ), it is illegal to attempt collection on time-barred debt. Reporting a time-barred debt to credit bureaus constitutes an attempt to collect and violates California law XXXX PREVIOUS DISPUTE : I disputed this account with XXXX on XX/XX/XXXX. Midland " verified '' it on XX/XX/XXXX without acknowledging the statute of limitations has expired. REQUESTED RESOLUTION : 1. Immediate deletion from all credit bureaus 2. Written confirmation the debt is time-barred 3. Cease all collection activity 4. Compliance with California statute of limitations law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We were in the middle of transaction and we were sent wire instructions from the vendor. Wire was sent. Vendor says not received. XXXX is filed. Sending bank confirmed wire was sent ( XXXX XXXX ). Receiving bank ( Wells Fargo ) wire can not be retracted and funds are frozen. They will not release the funds back or any information in regard to the transaction. These funds originated from an XXXX loan. We need help trying to recover the funds back to XXXX, as Wells Fargo has refused even after the subrogation letter was sent.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed disputes with Experian against XXXX XXXX XXXX because their validation practices are not legal and each time, Experian said the validation checked out. This is untrue. XXXX only sent a basic photo copy of the original creditors bill. No signature or anything. No transfer of sale or chain of ownership. XXXX broke FCRA law Failure to Validate Debt 1692g Under 15 U.S.C. 1692g but Experian broke FCRA laws 15 U.S.C. 1681s-2 ( b ) Duty to investigate disputes 15 U.S.C. 1681e ( b ) Accuracy of reported information.

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
Subject : Formal Dispute of Charges and Harassment Notification Dear Customer Service, I am writing to formally dispute the charges associated with my account and to address the harassment I have been experiencing from your company. I believe these charges are a result of identity theft, and I do not authorize any transactions made under my name. Despite my previous attempts to resolve this matter, I continue to receive unsolicited communications and harassment from your representatives. I have reported identity theft to the appropriate authorities and have filed a complaint with the Federal Trade Commission regarding this breach. I request that you cease all communication with me regarding this account and any charges associated with it. Furthermore, please provide me with a written confirmation that this matter is being taken seriously and that my dispute is being processed in accordance with the law. I expect a prompt response to this letter, and I appreciate your immediate attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
XXXX and Mohela they work together to XXXX XXXX people that have school loans. They both were reporting the same exact loans and they were duplicated on my credit report for a year and it took months to get them corrected. They keep moving the loans around and adding money to them. I have not received any documents I have requested from either party. MOHELA took half my loans and switched over to a whole different servicer which is XXXX XXXX, which I dont know if theyre much better considering they added {$10000.00} more onto the balance. All of this seems extremely fraudulent. I know them reporting on my credit report for well over a year in stopping me from getting a new house is definitely illegal. I got a hold of your company and got nowhere. I got a hold of XXXX got nowhere. I got a hold of XXXX XXXX and I got nowhere. Some of the loans sent over to Mohela were supposed to be forgiven loans/deleted and I was sent documents by the education department regarding this. And its never been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: NH

Complaint narrative:
MRS BPO has been calling family members about my debt and has repeatedly violated my FDCPA letting them know information about my personal matters when I have moved and have not been served properly

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
When we went to bank on XX/XX/year>, the bank did not accept the coin deposits from XXXX XXXX XXXX XXXX XXXX XXXX. We asked why. They said their own coin machines kept breaking so they contracted with XXXX to take care of the coins. However, apparently and allegedly the XXXX contract does not allow business deposits. So ... what are we to do with all these coins, these legal tender tokens of the United States? Thank you for your 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 explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I was victim of fraudulent actives on my SoFi account multiple times, Sofi is taking a week to investigate my claims and denying them without providing evidences as to how they determined no unauthorized activities happened on my account. Theyre supposed to provide a temporary credit but because they dont want too, they finish the investigation in 3 days so they wont have to provide the temp credit. I sent them valid evidences as to me changing phone to keep avoiding getting hacked. SoFi is not doing their due diligences they just wan na quickly get through investigations without providing proof of anything. I was a victim of fraudulent actives and according to their regulations I should receive a provisional credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I recently got a new phone and recovering my email I noticed I had received multiple emails from different banks, stating they appreciate me opening new accounts. The emails that I received were from the following backs and/or services Ally Bank XXXX XXXX, and XXXX. I DID NOT nor ever give consent or created these accounts. I do not know if money was deposited into any of these accounts as I was given very little information in each email.

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 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity is reporting me as an authorized user on my XXXX XXXX XXXX XXXXXXXX credit card. Calling and escalation to management told me I was just a third party and I could not be removed. At this point, I've been added without my consent, confirmation, signature or anything and it's reporting to the XXXX credit bureaus. Comenity said there was nothing I could do about it as I'm not a primary user, and I have to reach out to an ex spouse and have her correct it for me. At this point, Comenity is holding me XXXX as an unwilling customer, and will not let me go when I call in. They continuously tell me there is nothing they can do and they will continue to report on me, whether I choose to be their customer or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have contacted Citizens Bank multiple times regarding dispute claims, a replacement debit card, and a garnishment inquiry. On several calls I received incorrect information, including being told a dispute was denied when it was not and learning that a replacement debit card was never ordered after I had requested one. I also contacted the bank regarding a garnishment and was told there was no such department, and the representative asked me how to spell garnishment. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have experienced long hold times and inconsistent information. During my most recent call on XX/XX/XXXX, I was placed on hold for over XXXX minutes waiting to speak with a supervisor, after which the hold music stopped and the call appeared to disconnect before I was able to speak with anyone. I am requesting a review of my account and proper resolution of these matters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
Validation of Debt Request - SECURITY CREDIT SERVIC/WORLD ACCEPTANCE CORPORATION O - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation