vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> on my Bank of America application on my XXXX, I wired money to my uncle in XXXX XXXX, California who is does not have his bank application on his phone. He prefers to do things in person. I was unable to XXXX  him money and wired him money for the first time on my phone. I wired him {$1500.00}. Immediately afterwards when I tried using XXXX  because my dad wanted to XXXX  me money, he was unable to because my account was banned. It was banned because I wired money on my mobile banking app since I live in XXXX XXXX, Nevada and my uncle lives in XXXX XXXX, California. XXXX unable to log back in or sign up again with my own phone number or email. 

On XX/XX/year>, I called my bank and spoke to a representative regarding what I had mentioned. I was told to contact XXXX directly since they partner with my bank and Bank of America. I contacted XXXX afterwards and was told that they can not unblock me or do any action about it. I was told that I would need to try and get a new phone number to try and sign up again. I wont do that because it is not okay at all that I got my account banned for wiring my own money on my own bank account to a person who does not use XXXX on their banking app on their phone.

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 2026-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I disputed multiple medical debt accounts reported by Retail Merchants Association in XX/XX/year> and requested full validation of the debt. Specifically, I requested an itemized billing statement, proof of assignment, and documentation showing that I am legally responsible for the balances. Under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ), 15 U.S.C. 1692g ), a debt collector must provide proper validation of a debt after it is disputed. 

On XX/XX/year>, Retail Merchants Association responded with letters stating they were requesting this information and would forward it upon receipt. They did not provide any of the validation documents I requested. 

Despite failing to validate the debt, Retail Merchants Association subsequently closed the collection accounts and updated the reporting to charged-off/closed status on my credit reports in XX/XX/year>. These accounts include balances of approximately {$2200.00}, {$2900.00}, and {$3100.00}. Retail Merchants Association was given a full opportunity to provide validation but chose not to do so before updating the accounts.

Under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), information reported to credit bureaus must be accurate and properly investigated when disputed. Reporting and updating negative information without first providing validation raises concerns about the accuracy and completeness of this reporting.

Retail Merchants Association never provided the requested validation but continued reporting negative information. I believe this is improper reporting of unverified debt.

I am requesting that these accounts be deleted from my credit reports with XXXX XXXX XXXX XXXX  unless the company can provide full and proper validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: MO

Complaint narrative:
XX/XX/2026 XXXX XXXX XXXX XXXX XXXX XXXX, MO Subject : Demand for Immediate Deletion Violations of Federal Law To Whom It May Concern, This letter serves as formal notice and demand for the immediate removal of the account you are reporting to XXXX. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681 602 ( a ) states there is a need to ensure consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am the consumer, and my privacy rights are being violated. 

Pursuant to 15 U.S.C. 604 ( a ) ( 2 ), a consumer report may be furnished only in accordance with the written instructions of the consumer. You do not have, nor have you ever had, my written consent to furnish this information. Any alleged consent verbal, non-verbal, written, implied, or otherwise is hereby revoked. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Continued reporting without lawful authority constitutes a violation. 

Additionally, 15 U.S.C. 1681e requires reasonable procedures to avoid violations of 1681c and to limit furnishing of reports to permissible purposes. Reporting this adverse account without my written authorization violates these provisions.

Further, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits reporting adverse information that antedates the report by more than seven years ( except as otherwise authorized ). If this account exceeds the allowable reporting period, its continued reporting is unlawful. 

Under 15 U.S.C. 6801 and 6802 ( b ) ( c ), financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and may not disclose nonpublic personal information to nonaffiliated third parties without providing an opportunity to opt out. I was never informed of my right to exercise a nondisclosure option. Under 12 C.F.R. 1016.7, a consumer may exercise the right to opt out at any time. I am exercising that right now. 

I am not requesting investigation or validation. I am demanding : * Immediate deletion of this account from XXXX * Immediate cessation of all reporting of my private information * Written confirmation of deletion within 15 days Failure to comply will result in legal action for willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, seeking statutory damages, actual damages, costs, and attorneys fees. 

Govern yourselves accordingly. 

Sincerely, 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 2026-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Someone used my identity to get utilities in my name without my permission with XXXX XXXX XXXX XXXX XXXX  Report Balance {$320.00} Opened XX/XX/XXXX and Its reporting on my Equifax Credit Report. I've been reaching out to Equifax and XXXX XXXX XXXXXXXX XXXX XXXX since XX/XX/XXXX. I have filed an identity theft police report and a Federal Trade Commission Report which I've sent both of them copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> my wife unbeknownst to us had work done at a unlicensed denist office. XXXX  XXXX located at XXXX XXXX XXXX, XXXX Ga. The scammer advised us that she didn't have a card reader nor XXXX so can we Cash App her. I paid a total of {$2300.00} via 2 seperate transactions using cash app. The lady messed up my wife 's veneers and went had to visit a real dentist because the lady wanted to charge an additional {$250.00} to remove them but she already did a horrible job so my wife did not want to risk it. We had to pay an additional {$150.00} for x-rays and {$1500.00} to remove the horrible veneers the unlicensed fake dentist provided. So, after filing a police report at XXXX XXXX Police Department and reporting the business to the Georgia XXXX XXXX XXXX we contacted Cash App with all the documentation ( police report/case number ) for them to straight up refuse to reimburse us for the transaction and to actually say what happened wasn't a scam and the scammer wasn't acting as a legitmate business which would be licensed. I gave them the police report, what happened etc and I want my money back from Cash App. They can take it up with the fraudulent dentist and her cash app account. Which they have not done anything to protect anyone else by falling victim to the same scam we have. I'm asking Cash App to do the right thing and not just refuse to reimburse and tell us " Have a good day, we can't do anything for you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This case was closed XXXX because they are not trying to do an investigation about my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
A collection account in the amount of approximately {$2700.00} was furnished to my credit report by Aargon Agency , Inc . 

The obligation originated from XXXX XXXX ; however, it was displayed on my XXXX  credit report as a general collection account rather than as medical debt, the collections agent for aargon didnt expand on this due to " Doctor-Patient confidentiality ''. I have attached screenshots reflecting how the account appeared at the time it was listed. 

I disputed the accuracy of this account. Following my dispute, the account was deleted rather than validated. 

I am concerned about whether the information was accurate and properly classified at the time it was furnished, and whether appropriate procedures were followed prior to reporting and during the dispute process. 

The account appears to have originated with or been associated with XXXX XXXX  ( also referenced as XXXX XXXX ). I have been unable to identify a current, verifiable mailing address for this entity. Publicly available information has not reflected updated location information since 2024. The only address located is XXXX XXXX, which I understand is no longer occupied by the company. Attempts to contact XXXX XXXX routed to XXXX XXXX XXXX  XXXX XXXX XXXX, who denounced XXXX XXXX, stating no involvement and several other people calling to inquire. The hospital offered a denouncement letter next day but never fulfilled.

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 2026-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: FL

Complaint narrative:
My XXXX infromation still shows my loans have been paid off when I am still in school. I have already reversed the TPD loan discharge with Edifinancial but they have not updated my XXXX information and this could stop me from getting the correct financial aid for the XXXX school year. I will be in school for another 3 years because I will be pursuing a masters after graduating with my bachelors. When it comes to school information, time is of the essence, I have had issues when the incorrect information is presented and it exacerbates my mental health due to me being a veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
RECEIVED A LETTER FROM UNITED COLLECTION BUREAU , INC. STATING THAT I OWE {$960.00} TO XXXX TX XXXX XXXX XXXX XXXX THE LETTER IS DATED XX/XX/year>, REFERENCE XXXX XXXXXXXX, ACCOUNT NO. XXXX. THE NAME ON THE LETTER IS NOT MY CORRECT NAME. I HAVE NEVER RECEIVED TREATMENT FROM THIS PROVIDER. I DID NOT INCUR THIS DEBT. THIS DEBT IS THE RESULT OF IDENTITY THEFT. I FILED FTC IDENTITY THEFT REPORT XXXX XXXXXXXX XXXX XX/XX/year>. I SENT A WRITTEN DISPUTE AND COPY OF THE FTC IDENTITY THEFT REPORT TO UNITED COLLECTION BUREAU VIA CERTIFIED MAIL ON XX/XX/year>, DEMANDING VERIFICATION UNDER 15 U.S.C. 1692g ( b ) AND COMPLIANCE WITH TEX. FIN. CODE 392.308 ( d ). I AM REQUESTING THE CFPB INVESTIGATE THIS COMPANY 'S COLLECTION OF A DEBT RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX I currently have a checking and savings account with sofi 's Bank and I've currently had a issue with them on regards of my account on XX/XX/XXXX I logged into my account and realized I couldn't make any transactions or withdrawals of any kind I immediately called sofi 's on regards of this situation but they advise me that my account was on restriction due to unusual activity and no other information can be given to me. On XX/XX/XXXX I received an email from sofi on regards that my XXXX account was put on restriction due to unusual activity I called again and the same information XXXX given to me I asked about my money and how can I receive them and they said that after they completely close my account that they would send me a check on the amount of the money I have. On XX/XX/XXXX I called once more and explained my whole situation and once more couldn't get no information on ths restriction hold I'm very upset because sofi couldn't come up with what account I had on restriction and why was all my funds on freeze if my current funds had nothing to do with any unusual activity they said was suppose was happening I currently disagree closing my account was a complete fall ack on there behalf and before closing anyone 's account ir alone freezing it they should have legit reasoning and actually be prepared on showing the evidence on why someone's account was being on hold and funds as well up to day which is XX/XX/XXXX still have no idea why my account is on restriction and would like for my account to go back to normal status if that's possible if no ti want a complete well explained detailed information on regards on why this matter occured and for what purposes was this matter taken from thank you best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Tesla, Inc.
State: AZ

Complaint narrative:
Beginning XX/XX/XXXX, I made contact with Tesla XXXX, Arizona dealership. I was inquiring about a Clean Vehicle report for my purchased XXXX Tesla XXXX XXXX. I was told by the person who sold me the vehicle that when we ( my son and I ) filled out the initial application for the delivery of the vehicle, we checked a box that said we made more than XXXX/year. This is not the case. When I took delivery of the vehicle, I printed out all the forms that were given to me and reviewed for any inaccuracies. I was never given the application form to review. The dealership said that they will do nothing about it because I missed my timeframe to correct. 

I called and spoke to 3 different customer services representative at Tesla. XX/XX/XXXX : XXXX, XX/XX/XXXX : XXXX and then XXXX the third customer service rep. Each one said they will follow-up with the dealership and get back to me. The THIRD representative discovered that we ( my son and I ) checked a box making us ineligible for the tax credit. I have never seen the document that she was reading off to me and asked to get a copy. She said that she will not provide me a copy. I told her that she is violating the Esign laws and she did not give me the copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/year>, I was charged {$4100.00} by XXXX ( a XXXX merchant ) for a mentorship program that was sold to me entirely over the phone while I was located in Georgia, USA. 

During the phone call at approximately XXXX XXXX EST, my credit card was charged immediately. No written contract, refund policy, cancellation terms, or waiver of cancellation rights were provided to me prior to payment being processed. I did not receive any written Terms and Conditions until XXXX XXXX  EST that same day, via a follow-up Next Steps email, after the charge had already occurred. 

I did not access any digital content until XX/XX/year>. 

On XX/XX/year>, within six days of the purchase, I submitted a written cancellation and refund request. I followed up again on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent a formal written dispute notice to the merchant. 

The merchant refused to refund the charge and instead required that I complete an extensive internal refund form that imposed additional conditions and performance requirements that were not disclosed before the sale. The merchant also asserted that I had waived my cancellation rights, even though no waiver was disclosed prior to payment. 

On XX/XX/year>, I opened a billing dispute with Discover under the Fair Credit Billing Act. I provided Discover with documentation including : My cancellation emails ( XX/XX/year> ) Proof that written terms were delivered after payment Merchant responses denying the refund Proof that the sale occurred by phone without pre-payment written disclosures Discover initially issued a provisional credit but later reversed it after receiving information from the merchant. Discover did not provide a substantive explanation addressing the timing of disclosure or the lack of pre-payment written terms. 

My concern is that Discover allowed post-purchase contractual terms and merchant assertions to override the billing error protections provided under the Fair Credit Billing Act. The central issue is that material terms and any alleged waiver were not disclosed before payment was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX

Complaint narrative:
The current date is XXXX XX/XX/year>. XXXX XXXX has not sent the 2026 IRS Form 1099. According to IRS Publication 1220, the deadline for businesses to send Form 1099 to customers is XXXX XX/XX/year>. Bask Bank is in violation of IRS requirements. Even if Bask Bank sends the Form 1099 tomorrow, it will still be LATE and OVERDUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I didnt have access to my mobile online due my account be lock out or access to bank statement due to my mail be place on hold. when i finally was able to get into my account there was close to XXXX in XXXX XXXX the ride are from XXXX - XXXX .. i contact customer to dispute it.. i was only credit back XXXX and something.. i been call ask where the rest of my money from these unauthorized transcation.. i told i had wait 10 days. now it 45-90.. but already found error so alll my money should be back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a fraud case that my credit card issuer has improperly denied, despite clear evidence that the charges were unauthorized and resulted from failures in the banks internal controls and fraud prevention procedures. 

The fraudulent activity occurred on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX, involving transactions made without my knowledge or authorization. These charges were not made by me, and I reported them promptly after discovering them. 

The bank denied my fraud claims. However, this reasoning is incorrect and unsupported for the following reasons : First, I never activated the card. At no point did I authorize activation, use, or any transactions related to this account. I have a screenshot from XXXX  XXXX, XXXX, clearly showing that the card remained inactive in my account system. This confirms that I did not enable or authorize any use of the card. 

Second, if the card was used despite never being activated, this indicates a serious failure in the banks internal security, activation, or authorization process. A card that has not been activated should not be capable of processing any transactions. This strongly suggests either a system error, unauthorized internal activation, or a breach during the card delivery or handling process. 

Third, I provided the bank with a police report and documentation as part of my dispute, yet it was disregarded. 

Despite submitting all relevant evidence, including : Proof that the card was never activated A police report the bank continues to deny my fraud claim and hold me responsible for these unauthorized charges. I called them several times with the same answer from then. Last called was on XX/XX/XXXX and I asked for a Supervisor. They told me I will receive a call with 24-48 hours. After 5 days I continue waiting for the call. 

Under the Fair Credit Billing Act, consumers are protected against unauthorized use, especially when fraud is reported in a timely manner. The banks position that mere receipt of a card constitutes authorization is unreasonable and inconsistent with standard fraud and consumer protection practices. 

I am requesting that the Consumer Financial Protection Bureau review this case and require the bank to : 1. Conduct a proper reinvestigation of the fraud claim. 
2. Provide documented evidence supporting their denial.

3. Reverse all unauthorized charges.

4. Confirm in writing that I am not liable for these fraudulent transactions.

Thank you for your assistance and attention to this matter.

Sincerely,

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 monetary relief