vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
On or about XX/XX/year>, I received a collection notice regarding an alleged telecommunications debt for a XXXX account in the amount of approximately {$1100.00}. I do not recognize this account and believe it may be the result of identity theft or an account opened without my authorization. I reviewed available credit reporting and have not been able to verify this account. I dispute responsibility for the alleged debt and request validation, including documentation showing I opened or authorized the account, an itemized balance, and records supporting collection activity. If the account can not be validated, I request that records be corrected accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: OR

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the balance being claimed on my First Progress secured credit card account. When I opened my secured credit card account, I paid a {$200.00} security deposit. After using approximately {$58.00} of available credit, I attempted to make my first payment online. Despite multiple attempts, I was unable to submit a payment because the website repeatedly generated error messages. I did receive an email stating an attempted payment of {$58.00} had been returned. When I contacted customer service, I was informed that my account had already been closed and that I owed approximately {$58.00}. During subsequent calls, I received conflicting and contradictory information regarding my security deposit and account status. Specifically : XXXX representative stated that no security deposit had ever been received and that I simply owed the balance. Another representative stated that my security deposit had been processed and returned to me, less the amount spent on the card. Later representatives informed me that the security deposit had been reissued and that it could take up to 30 days to arrive. I was then told that my full security deposit had been returned and that I still owed the balance on the account. To date, I have never received the alleged refund of my security deposit. Furthermore, no representative has been able to provide a consistent explanation regarding whether the deposit was received, refunded, applied to the balance, or reissued. Despite my repeated efforts to resolve this matter, interest charges have continued to accrue, and I have received communications indicating that the account may be sent to collections. I have made multiple good-faith attempts to resolve this issue through customer service. However, the conflicting information I have received has prevented me from determining the true status of both my security deposit and the alleged balance due. Please investigate this matter. Thank you for your prompt attention to this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
I chose to close my Avant credit card when they stated they would be adding monthly fees just to have it. I logged in to schedule my payment and it now states they want the entire total due or there will be additional late fees. For someone that has NEVER been late on this card, I find it highly concerning that now that the card is closed they feel they can charge additional fees??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
This third party debt collector is reporting an alleged debt on my credit report that I dispute as invalid. I have no contractual agreement with this company. They purchased this alleged debt from the original creditor without my consent or signature. I am demanding full debt validation pursuant to FDCPA Section 809 and UCC 3-501 including the original signed instrument and proof of chain of title. This company has no legal standing to collect this alleged debt or report it to any credit bureau. I am requesting immediate investigation and deletion of this account from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PatientFi, Inc.
State: WA

Complaint narrative:
Subject : Dispute regarding unfair assessment of deferred interest due to billing error/payment processing issue. Account Number : XXXX Loan Provider : PatientFi Complaint Details : I am filing this complaint because I believe PatientFi is unfairly applying a XXXX XXXX XXXX XXXX} deferred interest charge to my account despite my good-faith efforts to remain current on my loan obligations. Timeline of Events : Original Agreement : I entered into a loan agreement for {$4400.00}, with a promotional period ending on XX/XX/XXXX. The Issue : Due to an expired card, XXXX monthly payment did not process. My Attempt to Resolve : Upon being notified of the missed payment by a customer service representative last year in XXXX. I immediately provided updated payment information and requested that the missed payment be processed. The Error : The company failed to process the missed payment when requested. Instead, they waited until the following month to take the payment, effectively creating a " missed '' status that was caused by their delay in processing, not by my lack of funds or intent to pay. Current Status : My current remaining balance is {$250.00}. I have attempted to pay this remaining balance in full to close the account, but Patient Fi is refusing to accept this payment and is instead demanding {$1400.00} in deferred interest based on the XXXX XXXX rate. Customer Service Experience : On XX/XX/XXXX, attempted to resolve this over the phone, but the representative disconnected the call while I was disputing the charges. But I anyway paid the remaining principal amount to clear out any debt that is leftover

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence XXXX sent me a bill from XXXX XXXX XXXX that didn't exist. I contacted XXXX XXXX XXXX and there is no acct. The letter I received is fraudulent. I am an XXXX XXXX XXXX employee XXXX years. All my bills were autodeduct. I have transcripts from XXXX XXXX XXXX attestation. I was reported to the credit bureaus and my scores dropped. Which meant I didn't qualify for excellent credit loan rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I mailed, via USPS, a valid check number XXXX from my XXXX XXXX XXXXXXXX ( XXXX ) HELOC account to Barclays for my balance on XX/XX/year> in the amount of {$12000.00}. On approximately XX/XX/XXXX I called Barclays automated customer service system which acknowledged receipt of my valid check and credited my account. I attempted to use my Barclays credit card on XX/XX/XXXX and the transaction was declined. I then contacted a Barclays consumer agent and was informed that my card had been deactivated because my valid check for {$12000.00} had an incorrect routing number and they couldn't process it. The agent said they would do nothing. Barclays is charging me a returned payment fee, in addition to interest on the {$12000.00}, and have since refused to help. On XX/XX/XXXX I met with a XXXX representative in XXXX XXXX, who contacted the XXXX HELOC department, who issued the checks, and that representative contacted XXXXXXXX XXXX check printing company who verified the check routing number. To further confirm the validity of the check routing number, I had previously mailed check number XXXX in the amount of {$14000.00} to my XXXX credit card account. XXXX processed the check credited my account and it was paid by XXXX Can you assist me in my efforts to get Barclays to credit my account for the {$12000.00}, remove the interest charge for the {$12000.00} and remove the returned payment fee?

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 2026-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This XXXX party debt collector is reporting an alleged debt on my credit report that I dispute as invalid. I have no contractual agreement with this company. They purchased this alleged debt from the original creditor without my consent or signature. I am demanding full debt validation pursuant to FDCPA Section 809 and UCC 3-501 including the original signed instrument and proof of chain of title. This company has no legal standing to collect this alleged debt or report it to any credit bureau. I am requesting immediate investigation and deletion of this account from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent certified letters XXXX days ago with no response to remove debt or proof when I call XXXX they have no record of debt

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 2026-06-06 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: Block, Inc.
State: VA

Complaint narrative:
Used a seller thru cashapp I've used before Who scammed me last could times and we correspond thru tects

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.

Complaint narrative:
I have requested multiple times how was the accounts opened and for them to verify them I was a victim of identity theft and has no knowledge of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was charged a 3 % fee for using my debit card at XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX Il XXXX on XX/XX/year> at XXXX it should not be a charge for debit card purchases, I would like to be refunded for the 3 % fee that was charged to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
The date was XX/XX/year> The amount was {$150.00} They were refuse to carry the investigation, I called them they want me to call all the bank to find out where the money go trough

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My auto loan account with Capital One Auto Finance was fully satisfied and paid as agreed. However, Capital One is reporting the account as " Closed '' rather than accurately reporting the account as " Paid in Full '' or " Paid/Closed Under the federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information have a legal duty to provide complete and accurate information to consumer reporting agencies. Reporting information that is incomplete, misleading, or inaccurate may constitute a violation of the FCRA. My account was not merely " closed. '' The account was paid and satisfied in accordance with the terms of the loan agreement. The current reporting fails to accurately communicate that the debt was fully paid, which may adversely affect creditors ' interpretation of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights o privacy confidentiality under 15 USC 1681 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Department of Ed XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY

Complaint narrative:
I purchased a credit card from Wells Fargo. My payment was due on the first of every month. Wells Fargo block my card last month telling me theyve seen some fraud activities on my card .. so I called and asked is it anyway yall can show me the activities that was placed on my card they told me no. They told me I need to send in a W-2 form order for them to show me the fraud activities.. I have never known you have to send a W-2 form in on a credit card. Ive been paying my bill and they refuse to remove the block. If making my payments, you can not block my card .. and if thats fraud activities on my card, you should let me know or let me see that way. I can tell you that its not mine but they refuse to show me. Can you help me?

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 2026-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX submitted an auto financing application for me through Santander for a vehicle purchase. The purchase has been stalled because Santander/XXXX could not complete identity verification through XXXX. I contacted XXXX directly and was told there is a typo or incorrect information in my XXXX profile that is causing the verification issue. XXXX said the information may be connected to insurance data and referred me to their privacy team. I contacted my current insurance companies as instructed and was told my information appears to match. I also asked XXXXSantander for the reason verification could not be completed, whether my application is pending, denied, or incomplete, what XXXX information caused the issue, and whether I could complete manual identity verification using my drivers license, proof of address, insurance documents, or other documents. Manual verification was denied, and I still have not received a clear written explanation or resolution path. This has caused harm because I am being blocked from completing a vehicle purchase due to inaccurate third-party consumer reporting/identity verification data. I am requesting that Santander provide a written explanation, identify what caused the verification issue, allow manual verification or re-verification after XXXX corrects the profile error, and confirm that my application will not be treated as a failed identity verification when XXXX has stated there is a profile typo being corrected. This issue began around XX/XX/XXXX and I have continued contacting XXXX, Santander, and XXXX through XX/XX/XXXX. My phone records show repeated calls to XXXX and XXXX, including XXXX calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from IC System Inc. that XXXX XXXX XXXX has placed my past due balance for account number XXXX in their office. The letter indicates that as of XX/XX/XXXX I owed {$210.00} ; between XX/XX/XXXX and today I have been charged XXXX interest, fees, and was not paid/credited toward the debt. This is IC System Reference Number XXXX. I have prepared a certified letter to send to them on XX/XX/XXXX indicating a request for a thorough investigation and removal of this from my name.

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 2026-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
MOHELA Failure to Refund Student Loan Refinance Overpayment I am filing a complaint regarding MOHELAs handling of an overpayment resulting from a student loan refinance. I refinanced my federal student loans from MOHELA to XXXX on XX/XX/XXXX. At the time of the refinance, my actual loan balance was {$370000.00}, I had made payments during the preceding months. However, MOHELA reported a payoff amount of approximately {$380000.00} to XXXX. As a result, XXXX paid MOHELA approximately {$380000.00} to satisfy the loan. The difference between the actual balance and the payoff amount appears to be due to MOHELA not properly accounting for recent payments before providing the payoff figure. This resulted in a substantial overpayment. Since the refinance was completed, I have contacted MOHELA twice ( XX/XX/XXXX and XX/XX/XXXX ) regarding the overpayment and requested information about when the excess funds will be refunded. To date, I have not received a satisfactory explanation, a clear timeline for the refund, or confirmation that the refund is being processed. I am requesting that MOHELA : XXXX. Provide a complete accounting of the loan payoff calculation. XXXX. Confirm the exact amount of the overpayment. XXXX. Explain the current status of the refund. XXXX. Issue the refund promptly or explain why it has not yet been issued. XXXX. Provide a written timeline for resolution. I am attaching any available documentation showing the refinance payoff amount, my payment history, and communications with MOHELA. Thank you for your assistance in resolving this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Capital One Customer Relations, I am writing to file a formal complaint about a supervisor, XXXX I spoke with on XX/XX/XXXX. During the hour-long call, the supervisor was uncooperative and argumentative, making no effort to help me with my concern. However, once I mentioned I was considering escalating the issue to corporate, the tone shifted and they finally offered some assistance. I expect a higher standard of professionalism from your team. I would like this behavior addressed and a follow-up on what action will be taken. Sincerely, XXXX XXXX XXXX info : XXXX, XXXX XXXX last XXXX digits : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent certified letters 60 days ago about this XXXX debt XXXX has no record of debt so I ask them to prove debt or remove it

Company response to consumer: Closed with non-monetary relief