vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a negative mark on my credit report from XXXX XXXX XXXX XXXX since XXXX, XXXX. I payed the account in full and closed the card in XXXX, XXXX. I filed a dispute threw XXXX  on XX/XX/XXXX and got the report back today XX/XX/XXXX that the negative mark was not removed and updated still showing negative and the account paid/closed. I called bank of the west credit card collections number and talked to a XXXX today XX/XX/XXXX at XXXX XXXX. XXXX stated on the phone that my account has been paid and closed since XXXX of XXXX that he does not know why it is still showing a negative mark on my credit report. When asking him what i should do if I could receive a letter of proof that it was paid or a billing copy he told me " no there is nothing I can do to report it to experian aging ''. Also on the website experian, bank of the west does not have the correct XXXX number for there corporate office. This negative mark has had a huge negative impact on my credit report, acceptance rate, and interest rates for years now and i hope they are heavily investigated.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I am filing this complaint to report a coordinated scheme to illegally collect on a debt that was extinguished by a binding Settlement Agreement. I possess documented proof of this fraudulent activity. 

The evidence establishes an unlawful sequence : XXXX. XX/XX/XXXX : Security Credit Services , LLC ( " SCS '' ) sold the debt ( XXXX  # XXXX ) to XXXX XXXX XXXX XXXX XXXX ( " XXXX  '' ) via Bill of Sale. 
XXXX. XX/XX/XXXX : I entered into a Settlement and Resolution Agreement with XXXX, the lawful owner at that time. Section 2.A of this contract explicitly prohibits XXXX  from reselling, transferring, or reassigning the account. 
XXXX. XX/XX/XXXX : I received a collection notice from XXXX XXXX XXXX, which states it is collecting this same debt on behalf of SCS. 

This timeline is legally impossible. For SCS to now be the creditor, XXXX must have violated Section XXXX of our Settlement Agreement by transferring the debt back to SCS after XX/XX/XXXX. This constitutes a material breach of contract by XXXX. SCS 's participation in re-acquiring a settled debt is fraudulent and deceptive. 

XXXX XXXX XXXX 's prior response to the CFPBclaiming they had " closed the debt '' was materially incomplete and misleading. They deliberately omitted their breach of the settlement 's " no transfer '' clause, which is the direct cause of the new collection effort. This pattern indicates a debt-churning scheme, where settled debts are illegally resold to restart collection. 

LEGAL PROTECTION STATEMENT : This complaint addresses only the post-settlement breach of contract and fraudulent collection activity. It does not dispute, reopen, or seek to renegotiate the original debt, which was fully resolved by the attached Settlement Agreement. My obligation under that agreement not to file complaints was nullified by XXXX 's prior material breach.

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 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: WY

Complaint narrative:
In XX/XX/year>, I made XXXX transactions totaling {$2400.00} to the same merchant using my Discover credit card through XXXX XXXX XXXX XXXX. Before authorizing the transactions, I contacted Discover to confirm whether I would be protected if a problem occurred. A Discover customer service representative affirmatively stated that I would be protected and able to dispute the charges if necessary. 

Relying on this assurance, I completed the transactions on XX/XX/year> ( {$1600.00} ), XX/XX/year> ( {$360.00} ), and XX/XX/year> ( {$410.00} ). The merchant did not provide the promised goods or services. 

I promptly contacted Discover and submitted a written billing error notice under Regulation Z ( 12 C.F.R. 1026.13 ), alleging that the charges resulted from issuer misrepresentation and that I relied on Discovers statements when authorizing the transactions. Discover denied the dispute, citing internal XXXX XXXX XXXX XXXX policy exclusions, without substantively addressing my allegation of misrepresentation or explaining how the claim was investigated under Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXXMidland Credit Management contacted me regarding a Discover account. I sent a formal debt validation request via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 U.S.C.  1692g(b), a collector must cease all collection activity until they provide validation. Midland has failed to provide any documentation. \n\nI am filing this complaint to ensure Midland does not place an unverified, illegal trade line on my credit report and to compel them to provide the original contract and chain of title as required by law.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Im disputing inaccurate/unverified credit reporting with XXXX and BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have sent written disputes since the month of XXXX and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA and FDCPA. 

Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

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: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX  XXXX XXXX, XXXX. and its debt collector, Hunt & Henriquez, LLP. 

On XX/XX/2025, I submitted a timely written dispute and request for validation regarding an alleged XXXX  XXXX XXXXXXXX XXXX XXXX  account after receiving a collection letter dated XX/XX/2025. My request sought documentation including proof of authority to collect, account records, and verification of the amount being claimed. 

In my dispute, I clearly designated my business address in XXXX  XXXX, California as the proper mailing address for correspondence due to unreliable mail delivery at my residential address. Despite this instruction, Hunt & Henriquez sent their response to my residential address instead. 

Hunt & Henriquez issued a response letter dated XXXX XXXX XXXX  This response did not provide the requested validation or documentation establishing their authority to collect or pursue the alleged debt. On the same date as that response, court records indicate that a lawsuit was filed on behalf of XXXX  XXXX XXXX concerning this alleged account. 

Collection activity continued without the requested validation being provided, preventing me from determining the accuracy, completeness, or verifiability of the information being reported and pursued. I dispute the accuracy of the alleged debt and the companys compliance with applicable consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I would like to block the following accounts for identity theft XXXX XXXX ROUTING NUMBER XXXX ACCOUNT NUMBER XXXX XXXX XXXX ROUTING XXXX ACCOUNT NUMBER XXXX XXXX XXXX ROUTING NUMBER XXXX ACCOUNT NUMBER XXXX XXXX XXXX ROUTING NUMBER XXXX ACCOUNT NUMBER XXXX XXXX XXXX ROUTING NUMBER XXXX ACCOUNT NUMBER XXXX XXXX XXXX ROUTING NUMBER XXXX ACCOUNT NUMBER XXXX

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: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I currently have two major credit cards with Citibank and use their online app for monitoring my account. However, recently my husband added me as an authorized user. Since then, I have made upwards of over 10 calls trying to add the card to my online app/profile. Have been given XXXX of reasons, possibilities as to why it hasnt happened. For one, they seem to have old information on their system with a previous name/record on a closed non existent account. They refuse to deleted or rectify it. The account does not even show on my credit report as its likely over 10 years ago. The second most common response is that its an ongoing problem that they do not have currently a solution for it. A company known worldwide with billions/trillions of dollars doesnt have a solution to an on going problem? Their XXXX online department cant resolve it? They spend millions of dollars on candidates with high levels of degree that know and understand computers and online and possibly break into any system and they cant find a solution? I am lost for words. I hope they are investigated and potentially held accountable. I feel that I am being lied to as a consumer and not being told the truth about whats really going on.

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 — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
Paid a payment of student debt of {$100.00} on XX/XX/year> directly on schooling website and XXXX days after submitting payment was sent to Ability Recovery Services collections. XX/XX/year> i was mailed a debt collection letter and my credit had been impacted after mailing a letter asking for verification of debt on XX/XX/year>. Since then i have not received a letter of verification but they have mailed me another letter stating i have been delinquent and that i have XXXX days to submit {$1100.00} which is the " discounted '' amount they have offered me to pay after never verifying my debt. The original was {$1500.00}. I have never received any calls or messages by this company only mailed letters.

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: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Multiple payments were attempted but failed due to Capital Ones payment processing issues. Despite our attempts to resolve this directly with Capital One, the account was closed and fees and interest continue to be added. Capital One is also reporting negative information monthly, causing severe credit damage. We dispute the handling of payments, the resulting fees, and the ongoing credit reporting and request a fair resolution including removal of improper fees and correction of credit reporting.

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: Credit Karma, LLC
State: OH

Complaint narrative:
Subject : Formal Complaint Regarding Inaccessible Funds and Unresolved Account Issues To Whom It May Concern, I am writing to file a formal complaint regarding my Credit Karma Money account, which was opened automatically as part of filing my federal and state income taxes. I have used XXXX for years without issue, and since Credit Karma utilizes the same software, I expected a seamless experience. Unfortunately, that has not been the case. 

After receiving my tax refund deposit and confirming that all of my tax information was correctly linked to my Credit Karma profile, I encountered immediate problems accessing my funds. The first issue was that I could not access the virtual card associated with the account. I attempted to resolve this through customer support, but the experience was unacceptable.

On three separate occasions, I waited approximately 85 minutes to be connected with a specialized agent after being transferred from the virtual assistant, to a customer service agent, and then to a department agent. Each time, the agent disconnected or left the chat without providing any assistance. 

I then attempted to add my personal debit card to initiate an instant transfer, but the system repeatedly blocked me. While reviewing my profile, I noticed that my name was not written out correctly and my address was inaccurate. I updated this information immediately. However, when I contacted support again, I was told that because I updated my last name, the system would not allow me to add my debit card at all. 

After five attempts and another long wait, the specialized agent informed me that for safety and security reasons, even though I had a virtual card number, I would not be allowed to view it. This left me with no access to my own funds and no workable solution. The agent provided no meaningful help or alternative options. 

At this point, I have spent hours attempting to resolve an issue that should be straightforward. My funds are inaccessible, the system restrictions are contradictory, and the customer service experience has been extremely poor. 

I am requesting immediate assistance to : Restore full access to my Credit Karma Money account Enable me to view and use my virtual card Allow me to add my debit card for transfers Ensure my updated personal information is properly recognized by the system I expect a prompt resolution, as these delays have caused significant inconvenience and unnecessary stress. 

Thank you for your attention to this matter. 

Sincerely, XXXX

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: Other features, terms, or problems — Other problem
Company: Bilt Technologies, Inc.
State: WA

Complaint narrative:
On XX/XX/26, Bilt sent me a notice that the XXXX XXXX issued card I currently have will be sunsetted in favor of a new card. They said if I applied before XX/XX/26 I could keep the credit line the same on my report. 

On XX/XX/26 I applied for the XXXX level with no annual fee, and they approved me for a fee card. The fees are hidden in a PDF rather than displayed in plain text. 

I escalated to customer service, but their phone line rings indefinitely. 

My complaint is : XXXX. Incorrect processing of credit application, and XXXX. Intentional attempt to manipulate consumers into an annual fee card, and XXXX. No customer support available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had an account with Wells Fargo back up until XXXX of XXXX. I was unfortunately laid off from my previous employer in XXXX of XXXX  and I had some items that got returned, which caused my account to be overdrawn. Because I wasn't working and generating income, I wasn't able to fund the account to bring it back to a {$0.00} balance. Due to the fact my checking account with Wells Fargo was negative over a certain amount of days, Wells Fargo ended up closing my accounts. I was then hired with my current employer and have since, paid off my balance with Wells Fargo, with hopes of opening a new account. I spoke with a Banker over the phone, and in the branch, and I was told that I should be able to open a new account. Well up until last week, XXXX, I've made an appointment to visit a Banker at a branch to attempt to reopen an account, after numerous failed attempts in the prior months, I was yet again DENIED. I don't understand, I feel as if I am being punished for letting my account go into the negative, and because I couldn't work to keep it funded or bring it to a {$0.00} balance, I am forever banned for being a Wells Fargo customer. I feel as if I am treated unfairly, even after I was told by both Bankers in the Call Center and at the branch, that I could reopen a new checking/savings account. I think you should train your employees to not set false expectations whenever they're answering questions to customers, and I feel as if, Wells Fargo ( and any other bank ) shouldn't penalize someone just because life happens. This is my formal complaint, I didn't want it to get to this point, because I like Wells Fargo, but now I can't even open a bank due to fact that I had things happen that were far out my control.

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 — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc.
State: MI

Complaint narrative:
On or around XX/XX/XXXX, FCI Lender Services states they are my new servicer. I requested and sent a debt validation letter by XXXX XXXX. The company refused to answer or provide any information. The loan was released in a discharge from United States XXXX XXXX XXXX XXXX XXXX New York. They continue to send multiple emails to foreclose on my property that I own. They continue to engage in criminal activity. 
They continue to contact me and state that I owe over {$350000.00} to the lender. There is NO lender. I have several court documents and a release of lien order filed within XXXX XXXX Registered of Deeds. The lien has been released. 
FCI had within XXXX days to respond to all request and validation. Under FDCPA, they have failed to respond with any proof of ownership or accounting that it came from a lender. The lien has been released since XXXX. 

The collateral loan has been released. XXXX has failed to Cease and Desist. This is a form of Mortgage Theft. The XXXX XXXX XXXX  has been notified concerning this company fraud scheme.

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: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting a complaint regarding excessive overdraft fees assessed by U.S. Bank on my checking account, which is used and marketed as a debit-only account with no overdraft capability. 

During the last financial year, I was charged approximately {$1000.00} in overdraft fees. While I understand that a transaction which initially causes an account to enter a negative balance may incur a single overdraft fee, U.S. Bank continued to discretionarily approve additional debit transactions after the account was already overdrawn, and assessed a {$36.00} overdraft fee on each subsequent transaction.

Once the account entered a negative balance, the bank had full discretion to decline further transactions. Instead, it chose to continue approving transactions while the account was already overdrawn, compounding overdraft fees without providing any additional benefit, credit extension, or meaningful consumer choice.

This conduct resulted in multiple overdraft fees being charged from a single negative balance event, despite the account being debit-only. The fees were disproportionate to the transaction amounts ( for example, small recurring debit transactions incurring {$36.00} fees ) and were not the result of intentional overdrawing or credit use.

I attempted to resolve this matter directly with U.S. Bank via phone support but was not offered any remediation.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding Chase XXXX  handling of my mortgage assistance application. 
Chase verbally informed me on XX/XX/year>, that a written decision package had been mailed. I did not receive this package and only obtained access to the documents on XX/XX/year>, after calling Chase and requesting they be emailed. 
As a result : My response window was shortened without notice The only option presented was a short sale, despite my clear intent to retain the home No retention options were meaningfully evaluated I am now facing imminent credit reporting harm My household includes an XXXX co-borrower, and my hardship stems from becoming her full-time caregiver. I have significant equity and have remained current throughout the review. 
I am requesting that the CFPB require Chase to : Conduct a good-faith retention review Correct procedural failures related to late delivery Pause adverse reporting while the matter is under review This process failure has created unnecessary financial and emotional distress. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation