vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Data breach with XXXX XXXX exposed my credit file which has been compromised. I filed a complaint on XX/XX/XXXX with XXXX XXXX regarding XXXX XXXX credit file : Dispute : XXXX Submitted XX/XX/XXXXXXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ). The information associated with this account is inaccurate, incomplete, and has not been properly verified. Under 611 of the FCRA, I am requesting a reasonable investigation into this matter. Please provide complete and verifiable documentation, including the original signed agreement, full payment history, and proof that this account is being reported accurately. If you are unable to provide proper validation of this account, it must be immediately removed from my credit report. Please note that reporting unverified or inaccurate information may constitute a violation of federal law. I expect this matter to be resolved within the required 30-day investigation period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I am submitting this complaint regarding a debt associated with the Army & Air Force Exchange Service ( XXXX XXXX XXXX ), which has been assigned to XXXX XXXX XXXX XXXX ( XXXX ) for collection. The original debt was approximately {$6000.00}. Beginning in XX/XX/XXXX, the debt has been actively repaid through involuntary garnishment of my XXXX XXXX XXXX pay. These garnishments have been substantial, ranging between approximately 50 % to 75 % of my pay. As of my most recent XXXX XXXX and XXXX XXXX ( XXXX ) Leave and Earnings Statement, the remaining unpaid balance is {$270.00}. However, despite continuous payments being applied through XXXX, the third-party collection agency ( XXXX ) is reporting a balance exceeding {$4200.00}. This represents a discrepancy of nearly {$4000.00} between the amount reflected by XXXX ( which is processing the payments ) and the amount being pursued by the collection agency. On XX/XX/XXXX, I submitted a formal dispute to the XXXX XXXX XXXX requesting : Debt validation Itemized accounting Explanation of added fees Reconciliation of the balance XXXX XXXX XXXX XXXX responded by directing me to XXXX XXXX XXXX XXXX ( XXXX ), stating that all communication must go through the collection agency. I contacted XXXX via phone call back in XXXX and was informed that they do not own the debt and can not adjust the balance, and that those changes must come from the XXXX XXXX XXXX As a result, I have been placed in a circular process where : The creditor refers me to the collection agency The collection agency refers me back to the creditor

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I initiated a wire transfer of {>= $1,000,000} from XXXX XXXX XXXX XXXX account number ending in XXXX at Bank of America to XXXX XXXX XXXX XXXX. I received the confirmation call on XX/XX/XXXX and expected the transfer to occur immediately after the call. On Monday, XX/XX/XXXX, I called the bank since the funds didn't transfer. The bank manager told me that he would look into it and call me back, but he never did. Due to a processing error on Bank of America 's end, the funds were severely delayed and did not clear until XX/XX/XXXX, resulting in a four-day delay.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Monies in the amount of XXXX Euros were deducted with no giving reason. Initial Wire transfer dated XXXX XXXX never completed. After 8 weeks a Recall was initiated, and the XXXX Euros were kept. I was told that Wells Fargo is responsible for the charges. Wells Fargo declines refund or compensation and recommends I reach out to XXXX XXXX XXXX. the later mentioned referred in turn to Wells Fargo. Unfortunately I am not able to file a complaint about the XXXX XXXX in this platform. I feel like a PING-PONG

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 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Contacted multiple family members and went into detail about debts and personal information, not falling in line with the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I want to see the assignment contract saying I owe this particular company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a collection account reported on my credit file, and Equifax verified the account as accurate. The furnisher, XXXX XXXX XXXX, has not provided any underlying documentation supporting the reported balance, including invoices, repair receipts, work orders, or itemized move-out accounting. The only documentation ever produced consists of a partial lease and an internal ledger, which does not establish the validity or accuracy of the charges. Despite this lack of documentation, Equifax verified the account as accurate. This indicates that Equifax did not conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act. Additionally, this same account has already been deleted from my XXXX credit report following a reinvestigation. This creates a material inconsistency, as the furnisher was unable to maintain the account with one bureau while it continues to be reported as accurate with Equifax. This inconsistency further calls into question the reliability and verifiability of the reported balance. I request deletion of this account or documentation demonstrating that a reasonable reinvestigation was conducted with verified supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am submitting this complaint regarding Barclays Bank Delawares failure to comply with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005.11 ). On [ XX/XX/2026 I began reporting unauthorized ACH debits from my consumer savings account. These transactions were not authorized by me and were clearly identified as unauthorized electronic fund transfers. I provided a complete list of transactions and repeatedly requested that formal disputes be opened. Despite multiple written notices through online banking messages, email to the Office of the President, and a XXXX XXXX XXXX complaint, Barclays has failed to : Open formal Regulation E disputes Provide a case number Send required affidavits Issue provisional credit Confirm that any investigation is underway Due to my XXXX XXXXXXXX, I can not complete this process by phone and have clearly requested that my dispute be handled in writing. Regulation E permits consumers to report errors in writing, and Barclays refusal to process my written dispute is improper. Barclays failure to open and process my dispute after receiving clear written notice constitutes a failure to comply with Regulation E error-resolution requirements, including the obligation to investigate and provisionally credit my account within required timeframes. I am requesting that Barclays : Immediately open my Regulation E disputes as of the original date reported Provide a case number and written acknowledgment Issue provisional credit as required under Regulation E Conduct a full investigation within statutory time limits I am requesting regulatory review to ensure Barclays complies with its obligations under federal law.

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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
This complaint concerns Exeter Finance LLCs failure to identify which of its written communication directives governed. On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX sent me a written letter directing me to cease and desist from further communications on the same or similar matters, stating that Exeter would not respond to future complaints of that nature, characterizing continued contact as harassment, and warning that Exeter would consider possible legal action. After issuing that directive, Exeter later issued multiple CFPB responses that affirmatively instructed me to contact Exeter and the XXXX of the XXXX. In its XX/XX/year> response to CFPB complaint XXXX, Exeter stated that it may have options available to assist me, instructed me to contact Exeter to discuss potential solutions, and also encouraged me to contact the XXXX of the XXXX for any questions or concerns. Exeter then repeated the XXXX of the XXXX contact instruction in its XX/XX/year> CFPB responses to complaint XXXX and complaint XXXX. Exeter never clarified whether the XX/XX/year> cease-and-desist letter remained in effect after those later CFPB responses, whether the later contact instructions superseded or modified the earlier no-contact directive, or whether following Exeters later written instructions would or would not have been treated by Exeter as prohibited contact, harassment XXXX or grounds for legal escalation. This complaint is not about the underlying loan dispute. It is about XXXX failure to identify whether later contact with Exeter and the XXXX of the XXXX was authorized after Exeter had already issued a written no-contact directive and threat posture.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NC

Complaint narrative:
I wish I had read the reviews for this bank before opening an account. Whats happening to me has happened to dozens of people online where the bank mysteriously holds your funds or sends you through a wild goose chase to withdraw your money. Makes me think the bank may be insolvent. I have called dozens of times, requesting to speak to a XXXX. Never received a callback. They told me they opened a case and I would hear from someone in XXXX business days and now its over a week that they have held on to $ XXXX without releasing it to me original bank. I followed their instructions to the T, none of their verification links have actually worked, they told me to open a new account to be able to transfer the money out. That turned out to be a lie and now they are using the fact that I opened a new account to transfer the money out that this was deemed suspicious even though these were the instructions their associates told me to go through. I have a feeling they will never release my money. They told me they were sending the money back to me originating bank, but theres no XXXX XXXX online, no transaction history, my bank has not gotten the payment, the balance in my accounts is not XXXX and none of their service associates can even tell me where they sent the money. XXXX transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to apply for a home equity line with Chase XXXX XXXX at the XXXX XXXX XXXX XXXX XX/XX/XXXX. I had my closing on a new property scheduled for XX/XX/XXXX and she was aware of this urgency and guaranteed that she could get my cash to me in time. There were multiple changes throughout the process including the type of loan I was promised as well as my closing cost fees and interest rate increasing in a matter of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I am filing this complaint against FRANKLIN COLLECTION SV for improperly reporting a medical debt to my credit reports before the federally required 365-day ( one-year ) waiting period has passed. The debt originates from XXXX XXXX XXXX XXXX XXXX Account # XXXX ) for {$610.00}. My credit report shows this collection account was opened on XX/XX/XXXX. However, it was reported and updated on my XXXX XXXXeport as of XX/XX/XXXX. This is a direct violation of the 365-day grace period mandated for medical collections. This premature reporting caused an immediate XXXX drop in my FICO score ( from XXXX to XXXX ), causing me significant financial harm. I am requesting the immediate removal of this trade line from all credit bureaus. Furthermore, I believe this premature reporting is a violation of the FDCPA, and I reserve my right to pursue statutory damages of up to {$1000.00} and any actual damages caused by this illegal reporting action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On Saturday XX/XX/year> at XXXX XXXX I received an email that my Venmo debit card had a withdrawal with a total of {$410.00} from a XXXX in XXXX TN when I was in XXXX TN and had the only debit card with me. There were XXXX withdrawals in a row, each for {$200.00}. I immediately contacted Venmo and opened a dispute. On Monday, I opened a police report on the issue and let Venmo know that as well. On Wednesday Venmo denied the dispute by saying After careful investigation, we've determined that an error has not occurred and the dispute claim has not been resolved in your favor. This decision was made because we found that this transaction matches your authorized spending activity. I have only ever used one ATM for my Venmo debit card and it a money pass non fee ATM. I know this was 100 % breach of security on their end for my debit card to be able to be hacked like that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/XXXX I was charged 5 times for {$99.00}. I requested a refund. I bank with chime. The company that the charges came from said they could not do anything and to keep trying through my bank. These were fraudulent charges. I have only had XXXX card and never lost or replaced it until this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NE

Complaint narrative:
I was charged {$73.00} and change XXXX XXXX in a span of XXXX minutes for the same amount at XXXX am. They tried to charge more but it got declined once the money was gone. I immediately called the next morning to dispute the charges. They denied me the next day. I tried again and was denied again. I spoke to a XXXX of fraud XXXX weeks ago and he told me he would then check where the charges originated from and where they went. He called me back and said that my dispute was in my favor and they would be calling me to see where they could send my {$500.00}. I have tried to call them back for the last XXXX weeks and no answer or call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/year>, I subscribed to XXXX. My first request for XXXX couldn't be fulfilled. I immediately ( the same day ) attempted to cancel my subscription and was unable. I asked XXXX how to cancel. They weren't able to assist me. So, I reached out to their customer service, and they weren't able to assist me. I disputed the charge with PayPal. XXXX said the charge was valid and refuses to cancel and refund my money. Their service was found to be less than subpar, within 2 minutes. I attempted to cancel and they won't let me. This is a recurring subscription. I can't get anyone to assist me. I disputed the charge with Paypal and provided proof that I attempted to cancel within a hour of subscribing. Paypal sided with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: VA

Complaint narrative:
Woke up to an text stating to verify myself then when I open app it said account closed I reached out to only be told. My account went against company policy when all I do is send money to my kids and family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: GA

Complaint narrative:
I moved into my residence in XX/XX/XXXX and have been receiving XXXX deliveries from Sallie Mae for an individual who does not live at my address. I have returned this mail as Not at this address and Wrong Address since that time. In XXXX, I contacted Sallie Mae to report the error. On XX/XX/XXXX, I received a voicemail from a representative ( XXXX XXXX ) who incorrectly treated me as a point of contact. I returned the call, but the issue was not resolved. As of XX/XX/XXXX, I continue to receive deliveries despite prior notice. I am being contacted as a third party regarding a debt that is not mine from a company who has failed to maintain accurate records after nearly two years of returned mail and verbal confirmation. I request that my address be removed from all records associated with this individual and that all contact and deliveries cease immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Co LLC
State: MO

Complaint narrative:
Move out XX/XX/XXXX collection was XX/XX/XXXX Wrongful charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
My business checking account ( ending in XXXX ) was debited twice by UPGRADE, INC. for {$430.00} each on XX/XX/26 and XX/XX/26. These payments are listed under 'Loan/Line of Credit Payments ' ( Ref : XXXX and XXXX ). I have no record of any loan agreement with this company. Most importantly, I have never received any funds disbursed by Upgrade , Inc. into this account. I have sent a formal dispute email to their compliance team demanding proof of debt and an immediate refund of {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a student at XXXXXXXX XXXX XXXX. On XX/XX/2026, I deposited a XXXX XXXX XXXX XXXX refund check for {$680.00} via mobile deposit. Truist has placed an 'Administrative Exception ' hold on the full amount, which has left my account with a negative pending balance of - {$730.00} which includes a pending XXXX transaction. Despite calling Truist 's Enterprise Fraud Management line multiple times, I am being told 'nothing can be done. ' Holding a verified state government instrument for an extended period is unreasonable and is causing me immediate financial hardship.

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