vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I filled out the pre-approval application and it stated I was approved for a XXXX credit card, but didnt receive one. I asked for clarification and to cancel, but wasn't given any further information. They now have all of my information to include social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
my name is XXXX XXXX, I am victim of identity theft, a federal student loan was open in my name in 2024 to attend XXXX XXXX XXXX, l never attended this school and never authorized this loan. back in 2024 the u, s department and XXXX XXXX took this off my credit report because they found out it was fraud, the amount that keep showing up on my credit report is XXXX and XXXX and XXXX these bills keep showing up on my credit report when it not suppose too be there

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am filing a complaint against XXXX due to ongoing issues with a frozen account and a complete lack of functional customer support. This issue began last week when my account was initially frozen without explanation. After attempting to resolve the issue, my account was temporarily restored for approximately 48 hours, and I was assured that the problem would not happen again. Despite that assurance, my account has now been frozen again without notice, explanation, or any form of communication. As a result : I can not access or transfer my money I am unable to complete online purchases I have had to rely on ATM withdrawals, incurring additional fees I have been unable to send money for essential needs, including providing for my son What is most concerning is that there is no working way to contact XXXX : All listed support phone numbers either return can not be completed as dialed or are otherwise unreachable PayPal ( XXXX parent company ) was unable to assist and redirected me back to XXXX A transferred call to XXXX resulted in being disconnected after waiting on hold The in-app chat system is non-functional and does not allow selection of any support topics The help center only provides articles and no working method to reach a live representative I have received no email, no notification, and no explanation regarding why my account continues to be frozen. At this point, I have no way to access my funds and no way to contact the company for resolution. This situation has caused significant financial stress and hardship. I am requesting : Immediate restoration of access to my account and funds A clear explanation for the repeated account freezes Reimbursement of any fees incurred due to lack of access A functional and reliable way to contact customer support The complete lack of access to both funds and support is unacceptable and raises serious concerns about the companys handling of customer accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
We ended our WiFi account in XX/XX/year>, then we were charged {$160.00} on XX/XX/year> for not returning the equipment/ WiFi box. I returned the WiFi box XX/XX/year> to FedEx ( still have a photo of the return receipt ) and we were given a refund XX/XX/year> in the amount of {$160.00}. We were then charged AGAIN for {$160.00} on XX/XX/year>, in which we called again and were given another refund on XX/XX/year>. We removed our bank account from the XXXX XXXX XXXX account so they wouldnt be able to take money that doesnt belong to them and we wouldnt have to wait weeks on a refund again. XXXX XXXX XXXX then tried to charge us again for {$160.00} but it did not go through so they then sent it to collections. I tried talking to customer service where the supervisor ultimately hung up on me acting like I wasnt on the phone anymore even though I was responding ( which was also recorded on my phone )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I received a phone call from an individual who appeared to be a Wells Fargo representative. The call originated from the Wells Fargo main number, included official hold music, and the individual had detailed access to my account information, including my most recent transactions. Based on these factors, I reasonably believed I was speaking with a legitimate representative. During the call, I was advised that fraudulent activity had occurred on my account and was instructed to initiate a claim. By the end of the conversation, all three of my accounts had been completely drained. Upon realizing the situation, I immediately contacted Wells Fargo directly and reported the incident, initiating a fraud claim. Unfortunately, my experience with your representatives during this process was extremely disappointing, as I encountered unprofessional and dismissive behavior. Approximately ten days later, I called to check the status of my claim and was informed that it had been approved. I was told I would receive reimbursement in the amount of {$3700.00} ( includes claim for my credit card ) and reassured that any fraudulent activity would be removed within subsequent billing cycles. However, during this time, my credit card continued to be reported to the credit bureaus as over the limit, negatively impacting my credit. On XX/XX/year>, I received a letter stating that my claim had been denieddirectly contradicting the prior communication I received from your representative.

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 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am dealing with Credit Collections for an insurance debt from the XXXX XXXX XXXX for the amount of {$160.00}. I have communicated several times with Credit Collections to provide to me the original signed contract with the XXXX to verify the debt and they have not done so on numerous occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I called SoFi Bank on XX/XX/XXXX to determine whether a charge was posted. I was suprised to be connected to an AI representative. I requested to speak to a human. The first human disconnected my call, when I articulated the risks associated with AI and requested the opt-out procedures. The second time I called, again being connected with the AI representative, I requested to speak to a human then a manager. The manager refused to opt me out of the AI system or delete my financial records from their AI system. He disclosed that my reco rds were disclosed to a third-party to train the AI, I would like to formally question the legality of this practice. I did NOT consent to my data being used in this manner. SoFis policies state that financial information IS kept private, they violated their own policies and business practices. It is also unknown how the third-party uses my financial data. Here are my concerns : 1. Financial data leakage which will increase AI-driven fraud. 2. Credit scoring bias 3. Customer targeting bias or customer-clusering bias Bias is extremely difficult to identify during testing and identified when its too late and after many victims have been harmed for no justifiable reason, making bias prevention and mitigation complicated. The emphasis must be on fairness and transparency ; which SoFi failed. SoFi may have illegally disclosed financial information, I certainly did not consent to my information being used in this manner. I want my information removed from their AI, the third party, and to permanently opt-out of their AI system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: IL

Complaint narrative:
Well, there is a recorded satisfaction in the XXXX XXXX XXXX 's office Doc # XXXX states paid in full now there is also an Assignment recoded on XX/XX/year> from LoanCare XXXX XXXX # XXXX and continues to assert a balance and attempt collection. I sent a Notice of Error and cease and desist via certified mail ( receipts pending ), but LoanCare failed to reasonably investigate and provide inconsistent information. This creates a contradiction in the public reporting.

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 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
This complaint involves the reporting of an unverified debt to all three credit bureaus after a timely dispute and validation request. On XX/XX/XXXX, I sent a written dispute and request for full validation of an alleged debt to Cavalry Portfolio Services pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that letter, I disputed the debt in its entirety and requested specific documentation, including the original signed agreement, a complete itemization of the alleged balance, and proof of assignment from the original creditor, XXXX XXXX. Cavalry Portfolio Services failed to provide any validation of this alleged debt. Despite this, the company proceeded to report the account as a collection to XXXX, XXXX, and XXXX in XX/XX/XXXX. The account is currently reporting with a balance of approximately {$7100.00} across all three credit bureaus. As of XX/XX/XXXX, no validation has been provided. This conduct constitutes continued collection activity without validation and the furnishing of unverified and potentially inaccurate information to consumer reporting agencies. This reporting is causing harm to my credit profile across all three bureaus. I am requesting immediate deletion of this account from all credit reporting agencies and confirmation that all collection activity will cease unless proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Predatory Overdraft Fee Stacking Against Pending XXXX XXXX Benefits ( Account ending in XXXX ) To Whom It May Concern : I am filing a formal complaint against TD Bank regarding deceptive and predatory overdraft fee practices on my checking account ( ending in XXXX ). Between XX/XX/XXXX, and XX/XX/XXXX, TD Bank assessed XXXX separate {$35.00} overdraft fees against my account, totaling {$280.00}. XXXX of these fees were charged on a single day ( XX/XX/XXXX ), and XXXX more were charged the day prior ( XX/XX/XXXX ). What makes these charges actively predatory is that during this exact timeframe, TD Bank was holding over {$4000.00} in guaranteed federal fundsspecifically, direct deposits from the Social Security Administration ( SSA TREAS 310 ) in a " pending '' status. While I am aware of the " right of offset '' in standard account a greements, aggressively processing small, everyday debit transactions to trigger multiple daily {$35.00} penalties while deliberately delaying the availability of guaranteed U.S. Treasury funds is a deceptive and abusive practice. It weaponizes the bank 's own processing delays to drain funds explicitly meant for federal beneficiaries. TD Bank has a documented history of illegal overdraft enrollments, evidenced by the XXXX CFPB consent order, and is currently facing class-action litigation regarding its failure to honor overdraft grace periods. The fee stacking on my account directly mirrors the predatory behaviors regulators have repeatedly warned this institution about. Desired Resolution : I am requesting the immediate reversal and refund of the {$280.00} in overdraft fees charged between XX/XX/XXXX, and XX/XX/XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hodosh, Lyon & Hammer, PC
State: RI

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX lawfirm located in XXXX RI has ignored my request 's for verification of debt from acoount 's they have purchasd as 3rd party. The account 's in question are wellover 10 years old and have exceeded the Statue of limitations in the State of RI. Not only have they not provided the verification information as per my legal rights they re-aged the debt without my knowledge. Plus request for verification within the 30 days was not provided. All of this impacting my credit score.

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 2026-04-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am reaching out regarding an ongoing issue with my credit card being repeatedly restricted. After a two week process to resolve the previous restriction, which required multiple phone calls and two in branch visits, my card has once again been restricted. This time it is due to a {$23.00} purchase at XXXX, which I did authorize. While I understand and appreciate proactive fraud protection measures, this situation feels excessive and highly inconvenient. I am being prompted to call in to verify the transaction, but when I do, I am told that I must visit a branch again to verify my identity. I have already taken time off work to complete this process once and I am unable to do so again. I am requesting that this matter be resolved without requiring another in person visit. I would also appreciate a review of my account settings to prevent these repeated and unnecessary restrictions on legitimate transactions. Please advise on how this can be resolved promptly.

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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am requesting a formal investigation into the handling and reporting of my auto loan by American Credit Acceptance ( ACA ). I believe there are significant inaccuracies and procedural issues related to the servicing of this account. ACA has not provided the required documentation I requested, including notices, account history, insurance, or auction application records, and a clear calculation of the remaining balance or deficiency. Without this information, I can not verify whether the account was managed in compliance with federal and state requirements. There are also concerns regarding whether proper notices were issued, whether insurance or sale proceeds were applied correctly, and whether the balance and status being reported are accurate. I am disputing the accuracy and completeness of the information ACA is reporting and requesting that ACA provide full verification and documentation to support their actions. I am asking the CFPB to require ACA to respond directly and supply all legally required records so the accuracy of this account can be determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I am filing a complaint regarding Absolute Resolutions Investments LLC for attempting to collect and report a debt that has not been properly validated. I initially requested validation of this alleged debt in or around XX/XX/XXXX. In response, I received a packet of documents that did not provide sufficient validation, including no signed agreement, no complete chain of ownership, and no clear documentation supporting the balance. On or around XX/XX/XXXX, I submitted an additional formal request for validation. Again, Absolute Resolutions failed to provide complete and proper documentation. Additionally, I have received documentation that contains inconsistencies regarding ownership of this account, raising further concerns about the legitimacy of their claim. Despite the lack of proper validation, Absolute Resolutions continues to report this account to credit reporting agencies as accurate. This is misleading and potentially in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I dispute this account in its entirety. Absolute Resolutions has not met its obligation to validate the debt, yet continues collection activity and credit reporting. I am requesting that Absolute Resolutions either provide full and complete validation of the debt, including all required documentation, or remove this account from all credit reporting agencies. Supporting documentation has been provided with this complaint. Additionally, there are inconsistencies in how this account is being reported. The dates associated with the account appear inaccurate, and the account is not being reported consistently across all credit reporting agencies. There are also concerns that the account may have been improperly re-aged, which would misrepresent the true timeline of the alleged debt. These reporting inconsistencies further call into question the accuracy and legitimacy of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
As the executor of my deceased mothers estate, I am attempting to obtain a Form XXXX for her American Express XXXX account in order to complete her XXXX federal income tax return. My mother passed away in XX/XX/XXXX, and I was unable to have her mail forwarded. As a result, I do not have access to the XXXX required to file her tax return, which is due XX/XX/XXXX. I contacted American Express XXXX on XX/XX/XXXX and XX/XX/XXXX, to request this document and provided a copy of my mothers will. Previously, in XX/XX/XXXX, I submitted documentation establishing my relationship to the account, including an Affidavit of Identity, Deceased Letter of Instruction, and death certificate. ( I had also contacted American Express on XX/XX/XXXX, to request the XXXX. During that interaction, a request was submitted on my behalf ; however, I was not informed of the outcome. I later learned that the request had been denied, but no notification or follow-up communication was provided to me. ) American Express has declined to provide the requested tax document, stating that a will is not sufficient proof of my authority as executor and that they require formal court-issued documentation. However, my mothers estate was not submitted to probate because she owned no real property or vehicles, and all financial accounts designated beneficiaries. As a result, no court-issued executor documentation exists. Despite this, I have successfully obtained equivalent tax documentation from other institutions, including the Social Security Administration, my mothers pension administrator, and her brokerage firm, under similar circumstances. XXXX XXXX refusal to provide the XXXX appears to be based on an internal policy that does not account for estates that do not go through probate. This has created an unnecessary barrier to accessing required tax information and may reflect an unreasonable limitation on a consumers ability to obtain essential financial records needed to meet federal tax obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
XX/XX/year> & XX/XX/year> United Debt collection contacted my employer without my permission and family members. they were extremely forceful and threatening that i have been served and this is the final attaempt at contacting me.And if I didnt respond they were filing charges against me and I will have to go to court. Now i have never received any communicaton from this company ever. they use very rude and unlawful tactics to get you to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MS

Complaint narrative:
I have a loan with Synovus Bank however the company XXXX did not get the required permit as required by Mississippi law. The information provided to me was fraudulently represented by the merchant. I was told that I would receive green credits for the windows after the windows were installed cutting the loan amount in half. The contract includes padding for motel, casings the windows and the windows are listed as {$200.00} each however I am being charged twice that for the same windows. A charge was add for the 5 star rating. These all invalidate the contract. This is XXXX main office but they have one in Mississippi XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX they also lists XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX AL XXXX Mississippi law requires that all professional contractors obtain the required permits before starting to work even if it not stated in the contract.

Company response to consumer: Closed with explanation