vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To assist with the review of my case, here is a summary of the timeline regarding this deposit issue : - XX/XX/XXXX : I uploaded a check from a vehicle sale to my XXXX XXXX account ending in XXXX via mobile deposit. 
- XX/XX/XXXX : I received notification that the deposit was rejected due to a name mismatch ( the check included my full legal name ). 
- XX/XX/XXXX : I contacted the call center and was told a digital resolution was not possible ; I then emailed XXXX XXXX to request assistance. 
- XX/XX/XXXX : I followed up with your office. I received a brief phone call from a representative stating the matter was being looked into, but no contact details or timeline were provided. 
- XX/XX/XXXX : I sent a follow-up email as I had not received any further updates. 

It has now been ten days since the initial deposit attempt. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Navy Federal, XXXX XXXX took money out my account unauthorized and I disputed it and many federal made me pay for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I purchased an air conditioning unit through XXXX that was financed with XXXX. The terms of the loan were that there was a promotional period for one year that included no payments and no interest for one year. I paid off the loan in full on XX/XX/XXXX via wire transfer. I used the payoff quote provided to me on my online account to know how much was needed to fully pay off the loan. I then received a statement on XX/XX/XXXX in the mail that states I owe a {$100.00} fee. When I generated my payoff quote there were no fees listed on the payoff quote. There were also no fees listed on any of my previous billing statements. This loan is fully paid and I should not have to pay any fees. I want this fee waived. I am attaching a copy of my payoff quote which shows a XXXX balance and the statement that was sent to me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am disputing a XXXX late payment reported by Discover Bank for XX/XX/year> on my account ending in XXXX. I have attached proof of a {$73.00} payment that was scheduled and confirmed by Discover to have posted on XX/XX/year> ( Confirmation XXXX XXXX XXXXXXXX ). My bank records from XXXX also show this payment was successfully debited ( XXXX ID : XXXX ). Because this payment was made on time, the XXXX days late ' indicator and the 'past due ' status are inaccurate and have caused significant damage to my credit score. I demand this be updated to 'Current ' and the late mark removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I opened a personal installment loan with Citibank. I have repaid this loan on time every month for 40 months. I recently noticed on my XXXX  credit report under the Installment Accounts section that my Citibank loan was being reported as an Open Account and a Closed Account. Both accounts on the XXXX  report have the same Open Date, Monthly Amount, and are showing the same last four digits of the account number ( See Screenshot ). I have one loan with Citibank. I disputed the closed account with XXXX, believing that it was their reporting or clerical error. Their dispute investigation report indicated that Citibank confirmed the information on the closed account as being reported correctly as of XX/XX/XXXX ( See Screenshot ). I believe this to be illegal and a violation of the FCRA. The closed account is showing activity from XX/XX/XXXX to XX/XX/XXXX and shows the last payment as XX/XX/XXXX, which is false ( See Screenshot ). The open account shows all 40 months and the last payment of XX/XX/XXXX, which is correct ( See Screenshot ). I contacted Citibank and requested information regarding this closed account. I provided Citibank with both full account numbers provided to me by XXXX. Citibank failed to provide me with a reason why this account was closed without my knowledge or consent. Further, Citibank initially stated they could not locate the second closed account. After numerous calls to Citibank with no resolution, I have had to file this complaint, as well as discuss this matter with my attorney for further action. My credit score dropped significantly as a result of this error. XXXX  has confirmed this statement. Citibank has failed to safeguard my account information, accurately report my loan information to credit bureaus, and take action on this matter when they were notified and provided information. Citibank has claimed that they have filed a dispute with XXXX. When I contacted XXXX, they indicated they did not have a record of that dispute from Citibank. The only dispute they cited was my dispute of this erroneous information.

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 2026-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
My solar loan was originally financed through Mosaic and is now serviced by Solar Servicing LLC. My original installer is out of business, and since the transfer of servicing I no longer have access to any warranty coverage, monitoring, or repair services that were included as part of my original solar purchase and financing agreement. I am being required to continue making payments for a bundled solar product while the add-on services and warranty no longer exist. I am requesting restoration of warranty/service coverage, suspension of payments until services are restored, or loan modification or settlement due to failure of consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
Complaint against : XXXX XXXX XXXX Halsted Financial Services Description : I am filing a formal complaint regarding multiple collection accounts being reported on my credit report by XXXX XXXX XXXX and collected by Halsted Financial Services. 
There are three separate XXXX  collection accounts reporting with different account numbers, all opened in XXXX  and listed as open and placed for collection. 
I disputed these accounts and requested proper validation. In response, I received only generic account statements by email. I was not provided with competent documentation to support the accuracy of the reporting. 
To date, the companies have failed to provide : Original signed contracts or applications Complete payment histories Chain of ownership documentation showing XXXX legally owns the debts Proof of assignment from the original creditor A proper method of verification used to confirm accuracy Despite this, the accounts were marked as verified with all three credit bureaus. 
Additionally, there appear to be reporting inconsistencies. My credit report shows previously closed accounts from XXXX ( XXXX XXXX XXXX XXXX ), which aligns with the information sent to me by the collector stating the original creditor was XXXX  XXXX XXXX XXXX. 
However, the current XXXX accounts are being reported with XXXX XXXX XXXX listed as the original creditor, which appears inaccurate and misleading. XXXX is a debt buyer/collection company and was not the original lender. 
These accounts are also being reported as open and placed for collection, which may misrepresent the nature of the accounts and negatively impact my credit profile. 
I have also continued receiving collection emails from Halsted Financial Services after disputing and requesting validation. 
Based on the above, I believe there are violations of the Fair Credit Reporting Act related to accuracy, verification procedures, and proper classification of collection accounts. 
I am requesting : A full investigation into the accuracy of the XXXX XXXX XXXX accounts Documentation proving lawful ownership and proper verification Correction or deletion of any inaccurate or unverifiable information Proper reporting of the original creditor I am not acknowledging any debt. I am requesting that these accounts be properly validated or removed if verification can not be completed in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my deposit was placed on a verification hold for 8 days. I called to verify why my funds are on hold after Cashapp notoriously promotes getting your check 3 days faster not XXXX business days later. I requested a callback from Cashapp and had an agent named XXXX answer and give me the timeline. She asked for a supervisor XXXX ignored the questions saying he didnt have one. I repeated wanting to speak with a supervisor but was ignored. XXXX denied any communication with any supervisor and disconnected call. I have yet to receive my deposit apparently days after my pay date. I would have kept my deposit for XXXX if I had known what bad service I am receiving with Cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I initiated multiple standard transfers from my XXXX  account to my bank. XXXX  marked the transfers as Completed, but the funds were routed to XXXX ( XXXX XXXX  Bank ), account ending XXXX, which I do not have access to and do not recognize. 

Amounts involved : {$450.00} transferred in XX/XX/year> Approximately {$400.00} transferred in prior months I attempted to resolve this directly with XXXX  by email and was informed that the email inbox is not monitored and that support is only available via in-app chat, which has not resolved the issue. 

I also contacted XXXX Bank and XXXX. XXXX confirmed they could not trace or retrieve the funds because they were not part of the ACH path, and XXXX could not authenticate me or assist without account credentials I do not have. 

I am requesting that XXXX  initiate a formal ACH trace and retrieval for these misdirected transfers so the funds can be returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-10 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: TX

Complaint narrative:
On XXXX XXXX at XXXX I received text notifications about fraudulent activity on my cashapp account. I immediately checked my account and saw that the balance went from {$2700.00} to {$0.00} in less than 5 minutes. I have screenshots of all fraudulent transactions made and all new device logins from different states. I locked my card and called cashapp support immediately requesting for an investigation and refund but have yet to get an accurate response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: SC

Complaint narrative:
IQ DATA XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA XXXX  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 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for a Chase XXXX XXXX XXXX XXXX Credit Card on XX/XX/year> after viewing a publicly advertised promotion offering XXXX Rapid Rewards bonus points upon meeting the stated spending requirements. That advertised offer was the sole reason I applied for the card. 
I timely met all spending requirements associated with the promotion. However, Chase only credited a significantly lower bonus ( XXXX points plus a statement credit ), which does not match the offer under which I applied. 
When I contacted Chase to dispute this, they incorrectly characterized my inquiry as a request for a richer or upgraded offer after account opening. This is inaccurate. I never requested a post-approval match or enhancement. I am disputing that the original sign-up bonus attached to my application was not honored. 
Chase has repeatedly refused to disclose the promotional offer code ( offer ID ) associated with my application at the time of submission and has not provided any documentation demonstrating that I knowingly applied for a lower bonus offer. 

I believe this constitutes promotional misrepresentation and failure to honor the terms under which my credit card application was induced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or incomplete information being furnished by Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX XXXX ), a consumer reporting agency. 

The institution reported adverse information related to prior XXXX activity. The activity was not the result of fraud or intentional misuse as I explained to them when they wrongfully closed my account. However, the information continues to be reported in a manner that does not accurately reflect the resolution of the account. 

As a result of this reporting, I am being denied the ability to open a checking account with other financial institutions, causing ongoing financial harm. I have contacted the institution directly and requested correction or updating of the information furnished to XXXX XXXX XXXX, but the issue has not been resolved. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a duty to ensure that information reported to consumer reporting agencies is accurate, complete, and updated. I am requesting that the institution conduct a reasonable investigation and promptly correct, update, or remove any inaccurate or outdated information furnished to XXXX XXXX XXXX. 

I am seeking confirmation that the information has been corrected with XXXX XXXX XXXX so that my consumer report accurately reflects my current status and does not continue to result in improper account denials. 

Thank you for your assistance in resolving this matter.

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 2026-02-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email from Equifax regarding a prepaid settlement card and told me I had not activated it. I never received it. This was a class member settlement from XX/XX/year>. When I contacted myprepaidcenter.com they told me a needed a code issued by Equifax. I obtained the code from Equifax and the prepaid card center told me the code did not exist, nor did my email address. They sent me back to Equifax who told me they could not help me that the prepaid card center had to help me. I was sent back and forth between the two until I am just frustrated and GIVE UP. I believe Equifax does this so as to never really pay you. Why not just send a check in the mail and be done with it? 

I called XXXX XXXX and XXXX until I just kept going in circles and I can not deal with it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an illegal and predatory installment loan issued to me by Xact ( also reported as CNG/CCBank ). I am a California resident, and the loan issued to me carries an annual percentage rate in excess of 200 %, which violates California consumer lending and usury laws that cap interest rates on consumer loans.

Despite the loan being illegal and unenforceable under California law, the lender continued to collect payments. A significant portion of my payments was applied to interest rather than principal, resulting in little to no reduction of the balance. As a result, I ultimately owed more than the amount originally borrowed, even after making multiple payments. 
When I disputed the legality of the loan and ceased further payments, Xact/XXXX reported a derogatory tradeline to the credit reporting agencies. This negative reporting is based on an unlawful contract and therefore constitutes inaccurate and improper credit reporting under the Fair Credit Reporting Act ( FCRA ).

I am disputing this debt in its entirety on the basis that it arises from an illegal predatory loan. An unenforceable loan can not form the basis for negative credit reporting or continued collection activity. The reporting has caused financial harm and damage to my credit profile. I let them know XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
We made mobile deposited a check in the amount of XXXX on XX/XX/year> via mobile deposit because we would not have made it to the bank in time and were trying to pay utilities and get our furnance ( thats broke ) fixed. We then learned there would be a 7 business day old on the money. In total were be waiting, 9 days to have access to our money we so desperately need.

Getting nowhere with mobile customer service, I took the check into the bank along with the mailer it came in and all the information we had on it. The XXXX branch told me there was NOTHING they could do. And I needed to take my kids to the church to stay warm. 

Because of this hold, our water is shut off and our power will be shut off within the next few days. 

Ive asked for even some of the money upfront and they told us no. We are literally landlocked. I can not do anything and now this hold is going to cost us even more because of the fees we are facing to reconnect ultilites. I shouldnt be told to go to charitys and other services when I have the money they are holding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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