vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
My Bank of America checking account was closed about XXXX month ago, but the bank has continued to accept deposits into the closed account. On XXXX separate occasions, deposits were made into the closed account ( XXXX about a month ago and another approximately XXXX days ago ). Instead of returning the deposits to the sender or releasing the funds to me, Bank of America placed both deposits on a XXXX hold. 

This means each deposit is being delayed by XXXX  days individually. Because of these long delays, I have not been able to access money that belongs to me, and this has caused serious financial hardship. We are now at risk of being late on our mortgage, missing essential bill payments, and having utilities shut off because Bank of America is holding the funds and refusing to expedite the release. 

I contacted the bank multiple times requesting an explanation of why deposits were being accepted into a closed account, where the funds were being held, why each deposit required XXXX  days, and whether the funds could be released sooner due to financial hardship. I did not receive clear or helpful answersonly repeated statements that I have to wait XXXX  days for each deposit. 

Bank of America is holding my money for extended periods after account closure, is not disbursing funds in a timely manner, and is causing direct financial harm to my family. I need help getting these funds released 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 2026-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint to dispute inaccurate late payment remarks reported on my credit file. These late payment entries are incorrect and do not accurately reflect my payment history.

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 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Allowed scammers to steal my money wont accept my documented police reports or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Please help me with this issue still not resolved My name is XXXX XXXX I need to make a complaint I need this to be review and reverse and credit to my account for XXXX  I need this Chargeback Settlement {$63.00} XX/XX/year>. Transfer via Debit Card Transfer from PayPal balance Transaction ID XXXX to be waived and credit to account for {$63.00} because I should not have to pay for it because if I am not responsible for it and I won the dispute because I didnt get my full crypto I order thats why I dispute it with my bank etc. My account email is XXXX and my phone number is XXXX etc. Update i need this to be review again and investigative again and assigned to a new investigative worker for cfbp complaint case number is XXXX because I disagree with this relief DESCRIPTION OF NON-MONETARY RELIEF I am pleased to inform you that we have taken steps to provide some of the relief requested, as detailed below, by ceasing collections on your PayPal account negative balance on XX/XX/year> I want a onetime credit for {$63.00} so please applied the {$63.00} credit because I should not have to pay for it because if I am not responsible or liable or liability so yall are responsible and liable and liability for it and because I won the dispute because I didnt get my full crypto I order thats why I dispute it with my bank etc So please waive or credit the balance off my account for me etc. so please help me and onetime waive it for me and that is it and let me know when yall waive it and credit my account balance to {$0.00} and send me proof when yall do on cfbp etc please help me asp I need it waived and credits asp I still need this issue to be resolved and fixed for me and credits because I disagree with the last decision by yall so I need it to be assigned to a new investigator and a new final senior investigator and a supervisor and someone who is higher who can resolved my issue and provide me a full amount of credit etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, an unauthorized XXXX transaction of {$1100.00} was made from my Cash App savings account. This was a full account takeover. At XXXX XXXX XXXX, I received a " New Device Login '' alert from an Android device located in Illinois ( XXXX : XXXX ). I did not authorize this login or the subsequent XXXX purchase. 
I immediately contacted Cash App support to dispute the transaction and secure my account. I have already filed a report with the XXXX Police Department and the FBI 's Internet Crime Complaint Center ( IC3 ). Despite previously replacing my physical card due to past compromise attempts, my digital account security was bypassed. I am requesting that Cash App conduct a thorough review of the Illinois login and return my stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX I went to check my account to see if my mortgage company withdrew the payment they are authorized to do and have so for quite some time. To my amazement I see that Capitol one paid a credit card XXXX, I do not have credit cards with capitol one, that XXXX payment lowered my account so the mortgage company could not take their mortgage payment ie not enough funds. So, I called capitol one phone for disputing payments and withdrawals I was bounced to different countries and different languages until i said I want someone in the US. Spoke with a XXXX who after I explained that capitol one paid a credit card and I do not have one kept saying your credit card I said how many times do I have to tell you I do not have a card with capitol one and I do not have a platinum account which is something he mentioned I have a regular checking account that you used to pay someone's credit card off and i want that money put back right now, explained the usual of we have to investigate and it could be from XXXX  days to XXXX  days depending so I stopped him and said listed you took my money a paid someone's credit card without investigating you know who it was who has the card and it's not my name without a problem now you tell me I have to wait for my money. You created a problem now where the mortgage company went to withdraw my payment and there were insufficient funds he apologized and i said listen whatever fees I have to pay to the mortgage company you people are paying it back to me, so he responded by saying well we do not do that so I said you will be. He then asked if I want a complaint number and case number I said yes, case # XXXX and claim # XXXX Capitol One Bank. I then said I want the name of the person whose credit card was paid off, he said well we do not have that I said listen there is a number attached to that payment in my account if there is a number there is a name because I will personally file a complaint with the district attorney and the police and get this person locked up, again said he does not have that info, my answer you me to tell me you take my money and just give it to someone who you have no name or anything, he could not answer, I then said you know this is the XXXX time is 2 years that my account has been hacked and you just paid people past one was you used my money to pay for power tools from and XXXX XXXX  in XXXX Illinois and the one before that was a casino in XXXX. These people have a problem and its needs to be corrected only way they understand is fines

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In [ month and year, e.g., XX/XX/XXXX ], I discovered that Midland Credit Management was reporting a collection account on my XXXX  credit report related to a debt from XXXX XXXX XXXX, allegedly opened in XX/XX/XXXX. I disputed this information with XXXX, requesting full validation of the debt, including documentation to prove its accuracy. Despite my request, XXXX  did not provide the necessary information or remove the inaccurate collection. 

I am filing this complaint because the company has not resolved the issue and continues to report the inaccurate debt. I would like the CFPB to assist in ensuring that XXXX  properly investigates this dispute and that Midland Credit Management either validates the debt fully or removes it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
same debt multiple times on my credit report, including future opened dates ( e.g., XX/XX/XXXX ), which is illegal. The correct XXXX date for this debt is XX/XX/XXXX. 

I have disputed these duplicates multiple times through the credit bureaus, but the inaccurate reporting continues. 

I request that all duplicate accounts and illegal future-date entries be permanently removed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX I received my check I get every beginning of the month and it gets sent to time which I have it direct deposited through the state of XXXX  which is the amount of {$630.00} and of course it paid some dent with XXXX. I was sleeping with my child during this time and my sister who is under the influence of drugs had found my phone and found my password book which was put in the safe and she got into the safe and got into my phone and got into my XXXX  account and cash app account and had taken the remaining balance that was left on my XXXX  account which was {$320.00} and transferred it to my cash app account and paid off my overdraft fee which was {$50.00} and bought casino sweepstakes money through a casino app which was {$99.00} {$49.00} {$9.00} and My sister also paid off my borrowed loan from cash app and got another loan through cash app and left me with a loan I have to pay back which was {$180.00} and I got in contact with the cash app representative to dispute these transactions that I never authorized and they said they will get back to me and also said they can't do anything about the unauthorized loan I never made and they said it's not promised that my dispute will get approved and I asked why they said because most dispute don't ever get approved and I don't know why they would tell me that which was funny because I could contact the consumer financial protection bureau because I never made these unauthorized transactions and so with the cash app representatives through their chat that they have on cash app and they never got back with me on where is my case for the unauthorized transactions I filed for and I just got done speaking with XXXX representative for the same thing what my sister did taking the {$320.00} from my XXXX  account to cash app and and the XXXX app representative had hung up on me numerous times because they couldn't understand my question which in fact I may add had thick accents from another country I believe and one fraud representative said omg and hung up on me and I called the fourth time a representative with the same accent said they would do their best to take care of this and I told him about what happened with the last couple representatives I had spoken to and they all hung up on me I told him put on the notes I will be contacting the consumer financial protection bureau because this is ridiculous I shouldn't have to be dealing with this I have a child to take care of rent to pay barely making ends meet if anything and I have to buy groceries.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
bank fraud, {$18000.00} in funds stolen from account and not returned.

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 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
XXXX and Bilt released a credit card. I was iffy about signing up for the card but XXXX XXXX XXXX, a credit card promotional company, had an additional promotion of receiving XXXX points in the first XXXX days of the card opening. This brought me over the edge and I decided to apply. It was the ONLY reason I applied for the card right then and there. After receiving the card and hearing many complaints on XXXX that Bilt chat support agents are not confirming the offer, I did the same. And the chat confirmed I was not eligible for the offer. This is deceptive and false advertising! They removed the offer on XX/XX/XXXX at XXXX XXXX  XXXX. But I applied it for it the night before and have screenshot proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
In XXXXXXXX XXXX XXXX, I submitted a written request for a full XXXX analysis and monthly payment recalculation after securing a new XXXX insurance policy with a significantly XXXX XXXX XXXX. The updated insurance policy information is already on file with the servicer. I then sent a follow up email in XXXX via email and through their portal and also again in XXXX. 

Despite, Submitting the request in writing, Sending follow-up emails, Sending follow-up messages through the borrower portal, I have not received confirmation, an XXXX analysis, or any substantive response from XXXX XXXX. 

My monthly mortgage payment increased substantially in prior years due to insurance-related escrow changes. I am requesting a recalculation to ensure my escrow account accurately reflects my current insurance premium and does not require excessive monthly payments. 

Village Capitals lack of response has prevented me from verifying whether my escrow account is accurate and has caused unnecessary XXXX XXXX 

I am also in the process of a property value review with my local appraisal district and will provide updated tax documentation if applicable. However, this complaint is focused solely on Village Capitals failure to respond to and process my escrow request based on existing insurance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
I relocated to XXXX  and am attempting to lawfully register my financed vehicle in my new state of residence. Santander Consumer USA is the lienholder and retains the vehicle title. 

Kentucky requires the lienholder to either submit the title electronically ( ELT ) or mail the original title directly to the XXXX county clerk for registration. Despite requests, Santander has failed to send the required title or electronic lien documentation. 

As a result of Santanders inaction, I am unable to register my vehicle, despite being current on my loan and maintaining required insurance. This places me at risk of penalties, citations, and loss of lawful vehicle operation. 

I am requesting immediate submission of the title or electronic lien to the XXXX  Transportation Cabinet or my county clerk so registration can be completed without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP
State: TN

Complaint narrative:
CASE INFORMATION : - Case Number : XXXX - Violation : Red light camera, XXXX XXXX, FL - Violation Date : XX/XX/XXXX - Amount Demanded : {$390.00} - Original Citation Amount : Approximately {$150.00} - Collector : XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX Letter Date : XX/XX/XXXX - Online Payment Number : XXXX BACKGROUND : In XX/XX/XXXX, while operating a small car rental business, XXXX of my rental vehicles received a red light camera citation in XXXX XXXX, XXXX. The rental business has since been dissolved and the vehicles sold. I no longer have any relationship with the business or vehicle. 

PROBLEM : The law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect {$390.00} for what should be a ~ {$150.00} red light camera citation. Over {$230.00} in fees have been added without any explanation or itemization. 

ACTIONS I'VE TAKEN : I have sent multiple written requests to this law firm asking for : XXXX. Itemized breakdown of all fees and costs XXXX. Proof of legal authority to collect this debt XXXX. Documentation supporting their license suspension threats XXXX. Settlement options or payment arrangements They have NEVER responded to any of my requests. 

THEIR VIOLATIONS : XXXX. FAILURE TO VALIDATE DEBT : Despite multiple written requests, they refuse to provide itemized accounting of how the debt grew from ~ {$150.00} to {$390.00}. 

XXXX. FALSE THREATS : Their letter dated XX/XX/XXXX prominently displays " WARNING : YOUR LICENSE MAY BE SUSPENDED '' without providing : - Any court order authorizing suspension - Legal process information - Documentation of their authority to suspend licenses XXXX. REFUSAL TO NEGOTIATE : Despite my good-faith offers to : - Pay the original citation amount in full - Arrange nominal daily payments ( $ XXXX ) They refuse any settlement discussion or reasonable payment arrangements. 

XXXX. EXCESSIVE FEES : The amount demanded ( {$390.00} ) is 250 % of the original citation, with no explanation of how these fees were calculated or what legal authority permits them. 

WHAT I'M SEEKING : XXXX. Waiver of all excessive, unexplained fees and costs XXXX. Itemized accounting of the original citation vs. added fees XXXX. Acceptance of payment for the original citation amount only XXXX. Cessation of license suspension threats without legal authorization XXXX. Compliance with Fair Debt Collection Practices Act validation requirements I am willing and able to pay the ORIGINAL citation amount, but I will not pay inflated fees that have never been explained or justified. Their refusal to validate the debt while making legal threats appears to violate the Fair Debt Collection Practices Act ( FDCPA ).

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have maintained an excellent credit profile for many years, including an XXXX  credit score, a flawless payment history, and credit utilization consistently below 20 % across my accounts. I have never been late on any payment with Synchrony. 

On XX/XX/year>, Synchrony increased the credit limits on two of my credit card accounts. However, on XX/XX/year>, Synchrony unexpectedly closed multiple credit card accounts without prior warning or a clear explanation. At the time of closure, the accounts were in good standing with modest balances and no delinquencies. 

As a direct result of these closures, my overall credit score dropped by several points due to reduced available credit and increased utilization. I am currently in the process of purchasing a property, and this sudden change has negatively affected my ability to move forward with that transaction. 

I did not receive any advance notice or opportunity to address any concerns prior to the closures. Afterward, I contacted Synchrony by phone and through online chat to request clarification, but I did not receive a satisfactory explanation. 

Given my long-standing responsible use of credit, I believe these closures were unjustified. I am requesting a formal review of Synchronys decision, a clear explanation for why the accounts were closed, and full reconsideration with reinstatement of the affected accounts.

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