vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: CA

Complaint narrative:
This company, First Latitude Credit Card owned by Pinnacle Bank, advertised that they would help build my credit by putting {$500.00} down for a securitized credit card. After using for a couple months I decided to pay it off completely. I tried not to use the card in hopes that the low usage would benefit me and improve my credit score. Yesterday I tried to use the card and it strangely got declined. The company said the {$500.00} was refundable, however upon calling them today they are unable to refund me. I can see on my online profile that I paid the balance off fully last month on XX/XX/XXXX. Without notifying me they closed my account and kept my {$500.00}, when I asked for it back they said they were unable to help me and kept me in a vicious hold cycle. Upon researching this problem I found it it happens to many other customers. I can not believe this company is allowed to advertise on XXXX XXXX, allowed to take peoples deposit, and all the low income people who are desperately trying to improve their credit scores just get taken advantage of because they cant afford to go into small claims court. This is not fair. Please shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
While working for XXXX XXXX a member of the XXXX XXXX XXXX came to our training class and highly suggested we open accounts with the XXXX XXXX. They mentioned we would get our pay earlier and had huge benefits. I followed their rather aggressive suggestion and opened a checking and savings. During the process, I was approached and asked why not open a credit account as well. Being younger and feeling pressured by the XXXX XXXX who was operated by my employer, I took their suggestion. I became ill during my training after 5 months of employment and I was wrongfully let go without any warning. My accounts were closed due to my lack of employment. This is retaliation and not appropriate. I have been fighting this battle for years and this has continued to negatively impact my credit. It has been 7 years and this account is still on my credit. I information being reported is a violation of the Fair Credit Reporting Act. The information is incomplete and inaccurate. I am requesting for this account to be removed from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The CFPBs enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB Circular XXXX makes clear that agencies may not impose unreasonable barriers to a consumers right to dispute under 15 U.S.C. 1681i. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 2026-05-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding monthly service fees charged by Wells Fargo despite my account historically qualifying for fee waivers. I opened my account under the condition that the monthly service fee would be waived if my balance remained above {$500.00}. In previous months when my balance temporarily fell below the required threshold, I contacted Wells Fargo customer service and successfully obtained a fee waiver. However, in XX/XX/year>, I was charged a XXXX XXXX monthly service fee without receiving any prior notice that the fee waiver policy had changed or that I was no longer eligible. I was not contacted by email, phone, or mail regarding any modification to the account terms. When I contacted the bank regarding this charge, I was informed that the fee could not be refunded and that the policy had changed. This is inconsistent with my prior experience, where similar fees were waived upon request. I believe this charge is unfair because : * No clear or timely notice was provided regarding policy changes * I had previously received fee waivers under the same account conditions * The fee was charged without warning or consent to new terms * The bank refused reimbursement despite my prior waiver history I respectfully request : 1. A full refund of the $ 15 monthly service fee 2. A review of my account fee history 3. Clarification of when and how the fee waiver policy changed 4. XXXX that proper notice procedures are followed for future changes I am submitting this complaint to ensure fair treatment and transparency in account fee practices. I am willing to provide account statements and prior waiver records upon request. Sincerely, XXXX XXXX Account ending last XXXX XXXX Phone / XXXX XXXX

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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint because Capital One ( following the acquisition of XXXX ) is refusing to honor a long-standing, formal repayment agreement established with Discover Bank XXXX For the past XXXX years, I have been on a closed-account payment plan originally authorized by XXXX. The agreement was for a monthly payment of {$87.00} to be withdrawn from my checking account on a specific date each month to align with my payroll. I have maintained a perfect payment history under these terms for approximately XXXX months. Following the transition to " Capital One by XXXX, '' Capital One unilaterally changed my payment due date to match my old statement closing date, rather than the agreed-upon payment plan date. When I contacted Capital One to resolve this, they refused to honor the established terms of my XXXX agreement. By moving the date, Capital One has created a financial hardship that risks the stability of a successful repayment plan. As the successor in interest to XXXX, Capital One should be required to honor the existing contractual payment arrangements and schedules inherited from the original lender. I request that Capital One reinstate the original payment due date associated with my $ 87 monthly repayment plan and ensure no late fees or negative credit reporting occur due to this system migration error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My XXXX friends tried to send him money through my Venmo Account and Now Venmo Closed my account and is confiscating my money in the amount of {$810.00}. Initially they asked my Driving License and I provided and uploaded to their Site my MA XXXX XXXX, now they emailed me that my account is frozen and they will not allow me to transfer my money to my linked XXXX XXXX. This is their answer " If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to XXXX days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future.Please be aware that any future contact or inquiries will NOT BE ANSWERED and THIS MATTER IS CLOSED upon your receipt of this email. '' Trying to confiscate and STEAL my funds and THIS MATTER IS CLOSED. Worse than some XXXX XXXX XXXX without any legal system! Venmo is XXXX company probably!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company did not verify What is the name and address of your company? ( Crucial for identifying scams ) .What is the name of the original creditor? What is the exact amount owed? Can you send me a written debt validation notice? ( Legally required within 5 days of initial contact ) .What is the date of the last payment made on this account? Is this debt within the statute of limitations? Does your firm have a debt collection license in my state? I made a complaint previously with experience transunion and Equifax through the cfpd. LVNV removed the debt from my credit report now they have replaced it onto each of the credit reporting bureaus. At this point I have written up form a letter to XXXX XXXX XXXX to Senate finance committee, etc I will be filing legal action next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I closed my account in XXXX. Interest hit after the account was closed and I wasnt aware. I have paid all fees and am trying to get someone to help meant the hits to my credit report. I am trying to buy my first house and this is the only thing keeping me from qualifying. I have been calling Barclays for help and no one will help me. The said I have to call XXXX and will not tell me anything else. When I called XXXX they confirmed my account did not come to them in the switch due to it being closed and paid at the time. I just want someone to help me so I can buy a house for me and my grandmother.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding Claim # XXXX. The bank has violated Regulation E ( 1005.11 ) by refusing to correct a clerical error in the filing of my dispute. A branch XXXX incorrectly filed my dispute as " XXXX '' despite my clear notification that the issue is a Service Dispute ( Defective Product/Illegal Merchant ). The bank denied the claim based on the wrong category without investigating my evidence of a software malfunction. When I attempted to correct the error, the XXXX refused to allow me to finish my statement and terminated the call. The bank has recently credited XXXX other transactions from this same merchant about XXXX or XXXX days ago, yet persists in denying this primary claim from the same illegal entity. I am seeking a formal re-investigation based on the illegality of the merchant under CA AB 831 and the physical evidence of software failure.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has a set up were you get a XXXX day free trial for a membership. when you try to cancel you are unable to through automated system. You just go in circles. When you try to do it online it does not let you cancel since you have to pay the fee before being able to access your information.I got transfered to fraud hoping to have someone assist me which they refused redirected me back to the membership option that only automated system is an option and you just go in circles.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint against Citibank regarding a representative error that directly caused an eviction notice, months of housing payment disruption, and significant financial harm. WHAT HAPPENED In late XX/XX/year>, I contacted Citibank to dispute {$150.00} in late fees and NSF fees that had been incorrectly applied to my account due to a payment processing error by Bilt Rewards. I specifically asked Citibank to recover ONLY those fees - {$100.00} late fee and {$25.00} NSF fees. Instead, the Citibank representative reversed the full amount of {$2400.00} - including my rent payment of {$2300.00}, and failed to return the rent portion to my property. Citibank then sent me a letter asking me to confirm whether the {$2300.00} transaction was unauthorized, treating a legitimate rent payment as a potential fraud case. DIRECT HARM CAUSED BY CITIBANK 'S ERROR This single error by Citibank 's representative caused the following chain of harm : My property received an erroneous outstanding balance with an additional {$25.00} NSF fee because the rent reversal left my account in arrears My property issued a vacancy/eviction notice against my housing record My property imposed a XXXX cashier check requirement on my account I spent significant additional time resolving the consequences of this error - on top of the original Bilt issue I was forced to file complaints with the CFPB and XXXX DFPI to navigate the situation None of these consequences would have occurred had the Citibank representative reversed only the {$150.00} in fees as I requested. Citibank has verbally acknowledged this error when I called. WHAT I WANT CITIBANK TO DO Issue a formal written letter acknowledging that the representative incorrectly reversed {$2400.00} instead of {$150.00}, and that this error caused the compounding harms described above Provide {$500.00} in compensation for the eviction notice, housing disruption, and time spent resolving consequences of Citibank 's error SUPPORTING DOCUMENTS AVAILABLE Bank records showing {$2400.00} reversal Citibank 's unauthorized transaction letter regarding {$2300.00} Property manager communication showing eviction notice and XXXX cashier check requirement Records of verbal acknowledgment of error by Citibank representative NOTE : I have a separate active CFPB complaint against Bilt Rewards regarding the root cause of this situation. Citibank 's error compounded and significantly worsened an already difficult situation.

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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) Account Reference : XXXX Original Creditor : XXXX XXXX Alleged Balance : {$660.00} To Whom It May Concern : I, XXXX XXXX XXXX, am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), and hereby demand that Midland Credit Management immediately cease and desist all communication with me regarding the alleged debt referenced above. I refuse to pay the alleged debt and request that your company cease all collection activities and communication attempts, including but not limited to : * Telephone calls * Text messages * Emails * Letters * Credit reporting threats * Contact through third parties * Any other direct or indirect communication attempts Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must stop communicating with the consumer except for limited purposes specifically allowed by law. Be advised that any continued contact beyond what is legally permitted may constitute a violation of the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692c and 1692d. I reserve all rights and remedies available under federal and state law. Furthermore, this letter is not an acknowledgment or admission of liability for the alleged debt, nor does it constitute a promise to pay. You are instructed to confirm in writing that your office has complied with this request. Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year> PayPal permanently limited my account and placed a {$3400.00} hold on my funds. PayPal did not provide a specific reason for the limitation. XXXX XXXX User Agreement, funds may be held for up to XXXX days after an account limitation. It has now been over XXXX years, and PayPal has not released my money. I have contacted PayPal repeatedly since XX/XX/year>. Each time, I am told a support ticket will be filed or my case is escalated. I have never received a resolution or explanation. Last contact :. No case number has led to the release of funds. PayPal has not complied with its own XXXX policy and has not provided any legal justification for continuing to hold my {$3400.00}. This has caused me financial harm. I want PayPal to immediately release my {$3400.00} to my linked bank account. If PayPal claims a legal hold exists, I request written proof of the hold including the requesting agency and legal statute

Company response to consumer: Closed with explanation