vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been a member of Navy Federal Credit Union since XXXX through my military service. My bankruptcy was discharged in XXXX, and the account was included in that filing. Despite more than 10 years passing, Navy Federal continues to deny me access to credit products, including secured credit cards, based on an internal cause loss designation. I have attempted to resolve this directly with the company and requested reconsideration and clarification, but I did not receive clear information or a path to restore eligibility. I am requesting a manual review of my case and a clear explanation of what steps, if any, would allow me to reestablish my credit relationship with the institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
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 2026-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
RE : New Material Evidence regarding Case # XXXX This complaint is filed to report gross institutional negligence and a failure of internal fraud protocols by Wells Fargo Bank XXXX XXXX, based on forensic evidence recently obtained via judicial subpoena from XXXX XXXX XXXX XXXX XX/XX/XXXX ). XXXX. The Incident and Financial Loss : In XXXX, I was the victim of a Business Email Compromise ( XXXX ) that resulted in the unauthorized transfer of {$77000.00} from my Wells Fargo account to a criminal network operating under the business name " So Amazing Salon. '' XXXX. XXXX of XXXX XXXX Failure ( Manual Override ) : Upon review of forensic logs and bank records, it has been confirmed that Wells Fargos automated security systems correctly identified the {$77000.00} disbursement as fraudulent and raised a high-level fraud flag. However, a Wells Fargo employee manually overrode the system alert, permitting the funds to leave the bank. This human intervention directly facilitated the loss of my life savings despite the bank 's own technology identifying the risk. XXXX. Third-Party Forensic Confirmation : Forensic data from XXXX XXXX XXXX XXXX # XXXX ) confirms that the financial instrument used by the perpetrator ( Wells Fargo Visa XXXX XXXX XXXX XXXX ) had been officially flagged as " STOLEN : TRUE '' within the financial metadata ecosystem months prior to this transaction. Wells Fargo failed to cross-reference this compromised internal instrument with the activity on my account. XXXX. Failure of Investigation and Bad Faith : Despite repeated requests for a " Secondary Search '' into the recipient hub in Washington, MO ( XXXX XXXX XXXX XXXX ) and the XXXX XXXX # XXXX, Wells Fargos Escalations Management Office abruptly closed my case. The bank stated that " no new information '' could be provided to establish their liability, while simultaneously withholding the fact that their own staff had intentionally bypassed fraud alerts. XXXX. Requested Action : I am requesting that Wells Fargo be held accountable for the manual override of their security protocols and their failure to identify verified stolen instruments within their own system. I demand a full manual audit of the authorization logs for the {$77000.00} transfer and a re-opening of the fraud investigation based on the XXXX criminal infrastructure now forensically identified.

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 2026-05-02 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: CITIBANK, N.A.
State: CT

Complaint narrative:
XXXX XXXX XXXX ( CFPB ) ] Subject : Formal Complaint against Citibank XXXX to Adequately Investigate Billing Errors To Whom It May Concern, I am filing this formal complaint against Citibank regarding their handling of multiple credit card disputes I initiated for transactions with several different companies.Despite providing clear, comprehensive documentation and proof for each disputed amount, Citibank has consistently closed these cases in favor of the merchants. I believe the bank has failed to conduct a " reasonable investigation '' as required by the Fair Credit Billing Act ( FCBA ). The Details of My Dispute : Total Disputed Amount ( {$610.00} ) ] Nature of Dispute service did not provide. Documentation Provided : I submitted my information that the dentist did make denture as per expected. for each claim.In every instance, the merchants provided generic responses, and Citibank accepted their word over my physical evidence. It appears the bank is simply " rubber-stamping '' merchant claims rather than reviewing the evidence I provided. This has resulted in a significant financial loss for me despite my adherence to all dispute protocols.I request that you intervene to ensure Citibank re-opens these investigations and performs a meaningful review of the evidence I have submitted.Thank you for your time and assistance in this matter. There are multiple disputes that need to be reviewed.

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 2026-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding an inaccurate billing issue and improper debt collection reporting by XXXX. In XXXX, I signed up for XXXX XXXX. At the time of sale, the sales representative added multiple additional perks and services to my account. I was clearly told these add-ons were temporary and would be removed within approximately 60 days, after which my bill would be adjusted lower. Before even reaching the XXXX timeframe ( approximately XXXX days into service ), I noticed my bill was still significantly higher than what I was originally quoted. I contacted the representative and was told the issue would be corrected, but no meaningful correction was made. Despite this ongoing dispute and while I was actively trying to resolve the billing issue, XXXX sent the account to a debt collector instead of correcting the billing error or resolving the dispute. I believe I am being held responsible for charges that were misrepresented at the time of sale and were still in dispute when the account was escalated to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All student loans were included in my Bankruptcy. They are yet appearing on my credit report and will need to be removed. Also, I reached out XXXX XXXX XXXX XXXX XXXX XXXX GA and a rep told me they do report to any XXXX XXXX such as credit reports-

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 2026-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
The company is trying to collect a debt that has been reported stolen with law enforcement. Company was given tracking and report numbers. Merchandise was stolen by XXXX XXXX and XXXX XXXX. Who also assaulted me. If report number is needed again they may contact me. How ignorant of a company to cause trauma to a victim? And do damage to my life, to collect with no regard to law report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
I am disputing a debt with Healthcare Finance Direct ( XXXX ) for dental services from XXXX XXXX XXXX XXXX that were never rendered. I signed up for XXXX in late XXXX but never received the product or any treatment. Despite dozens of attempts over six months to resolve this with the provider, no services were ever provided. I have evidence of a written agreement between the provider and XXXX to grant a full refund. However, XXXX prematurely closed my dispute, claiming it was 'finalized ' with only a partial refund. Neither XXXX nor the provider has produced an itemized statement of charges to justify keeping any portion of my payments. When I requested to reopen the investigation or place a hold on the account, XXXX refused, citing an internal 'one dispute per year ' policy. XXXX is now threatening to send this unverified balance to collections. I am requesting a full refund of all payments made and the immediate cancellation of the remaining balance under the Fair Credit Billing Act, as no services were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AL

Complaint narrative:
Date : XX/XX/XXXX American Profit Recovery Re : Formal Dispute of Alleged Debt XXXX XXXX ( XXXX Service Claim ) To Whom It May Concern, I am writing to formally dispute an alleged debt that your office is attempting to collect on behalf of XXXX XXXX. This claim is completely invalid. I have never contacted, authorized, or received any services from XXXX XXXX at my property located at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. The service you claim was performed in XXXX did not occur. No work was done on my yard, and no agreementwritten, verbal, or impliedexists between myself and this company. This matter has previously been removed from my account, which further confirms the lack of validity. The reappearance of this claim is unacceptable and must be corrected immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt. Please provide the following : Proof of any signed contract or service agreement authorizing XXXX XXXX to perform work at my property Detailed service records, including exact dates and times of alleged service Photographic evidence showing that services were performed at my address Method of authorization ( including phone records, IP logs, or signed documentation ) A full itemization of the charges If you can not provide this documentation, you are required to immediately cease collection efforts and remove this account from all credit reporting agencies. Additionally, if this account has been reported to any credit bureau, I demand its immediate deletion, as it is inaccurate and unverified. Be advised that continued reporting or collection of a debt that can not be validated may constitute a violation of federal law. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Alabama Attorney Generals Office if this matter is not resolved promptly. I expect written confirmation that this account has been removed and that all collection efforts have ceased. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi i had collection with these 4 companies and i have paid them and i would love to my collection to be removed from my credit report because im trying to buy a house this year My collection was paid about 6-9 months ago

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 2026-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
Complaint Description : I am filing this complaint regarding my XX/XX/XXXX(XX/XX/XXXX ) credit card account due to failure of service, lack of response, and continued negative credit reporting. The account was opened on XX/XX/XXXX, with a credit limit of {$4000.00}. The current balance being reported is {$3000.00}, with {$130.00} past due as of XX/XX/XXXX. The issue is that the services associated with this account have not worked properly, and I have made multiple attempts to resolve the problem directly with the company. I have contacted them by phone, email, and written correspondence on several occasions. Despite these efforts, I have received no meaningful response, no resolution, and no customer support. Due to the companys complete lack of communication and failure to address the issue, I stopped making payments until the matter could be resolved. However, the company continues to report negative information to the credit bureaus without acknowledging the dispute or attempting to fix the problem. This situation has negatively impacted my business and my credit profile, and it is unfair for the company to continue reporting this account as delinquent while ignoring all attempts to resolve the issue. Desired Resolution : I am requesting the following : Immediate investigation of this account Direct response from the company regarding my prior complaints Correction or removal of negative credit reporting related to this account while the dispute is unresolved A fair resolution of the balance due to failure of service Proper documentation verifying the charges and account activity Additional Comments : I am a small business owner, and access to fair credit is critical. I have made every effort to resolve this matter directly before filing this complaint. The lack of response from this company is unacceptable. I am requesting prompt attention and resolution to this matter. Submitted by :

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 2026-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland credit management XXXX is falsely reporting on my credit. I never had any account with them. Ask to validated which was unsuccessful followed up with asking for removal I received nothing and its been over 30 days. Midland credit management XXXX is a debt collector. Account # XXXX is reporting against my credit file and is against my rights and fair credit act. Under U.S Code 1618d.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
M CM called looking for someone that's not me. I've had this number for many, many years. And talking about depth, that's not mine from a person that's not me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XXXX I tried to get money out of the atm It said I had no money I then checked my app it showed XXXX cents I then contacted the bank and spoke to XXXX she XXXX me XXXX dollars had been taken out my account by my car payment place, I then called to verify found out that was a lie then I called the bank back I was told there was a bank error then transfer to someone else who then told me someone charged my account through XXXX over XXXX of XXXX charges same person and no one never alerted me I have alerts on my account so I am missing over XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION
State: MI

Complaint narrative:
I want to start a case to sue Sallie Mae ( XXXX ) for predatory lending practices, misleading marketing, and overall theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
If you can not provide verifiable proof, including an original contract with my signature, this item must be immediately deleted from my consumer report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Additionally, I am fully prepared to escalate this matter. If you fail to comply within XXXX days, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Pursue legal action in small claims court for {$5000.00} in damages due to : Defamation - Reporting false and harmful information. Negligent Enablement of Identity Fraud - Failure to validate the accuracy of data. Violations of the Fair Credit Reporting Act - Willful non-compliance. I expect a written response within XXXX days confirming either the removal of this inaccurate information or providing verifiable proof that I authorized this account. Failure to comply will leave me no choice but to take legal action.

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 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am filing a complaint regarding the closure of my Synchrony Bank/XXXX account XXXX in XXXX. The account was closed due to dishonored payments. However, these were not missed payments or failures to pay. The payments were returned due to selecting the wrong bank account during the payment process, as I have multiple accounts with similar naming and no account numbers attached to the names of the accounts to differentiate the payment methods As soon as each payment was returned, I immediately corrected the issue and made full payments. My account history clearly shows prompt correction and no intent to avoid payment. I have maintained a perfect payment history across all of my credit accounts for approximately XXXX years. This situation does not reflect my actual creditworthiness. Additionally, I have a long-standing relationship with XXXX and have spent approximately {$100000.00} with the company. I am requesting : 1. Reconsideration and reinstatement of my account 2. Confirmation that this closure will not negatively impact my credit report This closure appears to be based on a technical payment issue rather than actual risk behavior, and I am requesting a fair manual review of my account

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 2026-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
There is {$320.00} debt RENT RECOVERY SOLUTIONS reported to the credit bureau. I disputed it on XX/XX/year>, I saw the result today XX/XX/year>, stating that the balance will remain and no further explanation. I have paid it in full. I even asked XXXX XXXX XXXXXXXX XXXX to provide a ledger and they did. I have already uploaded one for consideration and doing it again along with the result posted after I disputed the first time. Very respectfully, XXXX XXXX

Company response to consumer: Untimely response