vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Consumer Complaint Statement I am formally disputing the reporting and attempted collection of an account that includes debt discharged in my XXXX XXXX bankruptcy, finalized in XX/XX/XXXX. This account appears to improperly include pre-bankruptcy debt ( dating back to approximately XXXX ), which is no longer legally collectible. Despite this, the account continues to be reported and/or pursued without proper validation. I have made multiple attempts to resolve this issue directly with the companies involved and through credit bureau disputes. To date, no party has provided legally sufficient validation of the debt. Instead, I have received generic responses, links to online portals, and incomplete documentation that does not meet the requirements for proper verification under the Fair Credit Reporting Act ( FCRA ). Additionally, the account appears to contain mixed information, potentially combining discharged pre-bankruptcy debt with alleged post-bankruptcy activity, without any clear separation or itemization. This creates a materially misleading and inaccurate credit report. I am explicitly stating that this is not a fraud claim. This is a dispute regarding inaccurate reporting, improper collection of discharged debt, and failure to properly validate the account. I am requesting that the company and any associated entities provide the method of verification used with the credit bureaus, along with full documentation supporting the accuracy of the account. If they are unable to do so, the account must be deleted from all credit reporting agencies immediately. Continued reporting or collection of discharged debt may constitute violations of the FCRA and other applicable laws. If this matter is not corrected, I am prepared to escalate through additional regulatory channels.

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 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
We paid our mortgage balance with Fifth Third Bank for our primary residence in XXXX XXXX, Ohio on XX/XX/year>. We had a property tax escrow account balance of approximately {$5300.00}. Fifth Thirds written policy ( confirmed by representatives by phone ) is to send borrowers checks to close escrow accounts within 8-10 business days of mortgage payoff. It has now been well over 30 calendar days, 26 business days, since we paid off our mortage. We have not received our check nor had Fifth Third been able to provide us a date when the check will be sent. Weve lost count of the number of times weve spoken with representatives of Fifth Thirds mortgage loan department, as well as staff in our local retail branch office. The excuse weve received the most is that a computer system upgrade is the cause of the delay. It is incredibly frustrating that Fifth Third continues to withhold such a large sum of money and is unable to provide even an estimated date when we will receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This complaint concerns American Express failure to properly award Membership Rewards points in accordance with the advertised terms of the American Express XXXX XXXX benefits program. On XX/XX/XXXX I made a flight purchase directly with American Express using my American Express XXXX XXXX. Under the published terms of the Membership Rewards program, eligible airfare purchases made directly with airlines qualify for 5x Membership Rewards points. Due to a system issue affecting American Express online booking platform at the time of purchase, I was unable to complete the transaction through the digital channels and was required to complete the booking via telephone with an American Express representative in order to secure the fare. The transaction was processed as a direct purchase with American Airlines. However, American Express has not awarded the applicable 5x Membership Rewards points and has declined to provide an adjustment or substantive review of merchant coding or eligibility classification. No determination has been provided indicating that the transaction is ineligible under the published program terms for airline airfare purchases. The denial appears to be based on internal processing or coding classification rather than the substantive nature of the purchase. I contacted American Express customer service to request review and correction of the Membership Rewards points allocation. The request was denied without escalation to a rewards administration or merchant coding review process, and without written justification referencing specific exclusion criteria under the program terms. They seemed unsurprised that this occurred as I believe it may be intentional in order to avoid rewards offered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Payday loan 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: CCF Intermediate Holdings LLC
State: ND

Complaint narrative:
Cash XXXX XXXX Speedy Cash a couple of months ago I saw a spam email, from what looks like a scammer, threatening me with search warrants, jail time, insane legal fees, and weird time windows like 4 or 12 hours to pay in full, demanding payment on a debt I don't recognize, threatening 7 years in federal prison if I don't pay them in 12 hours, etc. I said that sounds scary let me just double check and request a debt validation letter, to make sure I'm not missing something here.. after my initial request I got an email saying we acknowledge you responded, but you didn't comply, so more threats, I again send a request for validation, and request they stop contacting me except to validate the debt. then I get another email, same as the original, in tone, but new sender, I send the same request, I get multiple different emails, with different amounts, timeframes, etc from multiple random attorneyname @ XXXX or debt-collector @ XXXX email addresses, all refusing at this point to even say who the original creditor is, some emails from XXXX XXXX XXXX and some from XXXX XXXX XXXX XXXX XXXX XXXX name in the contact email address, that doesn't match the contact profile, and sometimes another name again in the actual email body, and they provide lawsuit and court case numbers that never match up from one email to the next, refusing to disclose the alleged lending companies name, no response to my requests for validation. at this point, like any reasonable person would, I assume they are attempting to scam me by getting me to pay them a huge chunk of money in a panic before I realize that I'm being scammed. but when I made it clear I had no knowledge of this debt, nor do I recall having ever taken out a payday loan. Suddenly I get a notification, new negative information on your credit report. Speedy Cash pops up after my 2nd or 3rd request for validation, reporting a collection on my credit. I dispute, and my dispute came back Denied. And I STILL have yet to receive a validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This complaint concerns a XXXX credit card account ending in XXXX and a prior complaint submitted in XXXX XXXX XXXX. On or about XXXX XXXX XXXX, at approximately XXXX XXXX, I attempted to access and complete an IRS consent form sent through XXXX as part of the documentation requested during XXXX investigation. During this attempt, the document became locked due to password attempt limits and was no longer accessible. I contacted XXXX XXXX XXXX and was informed that once a document is locked, a new request must be initiated by the requesting party. As a result, I was unable to complete the required verification process through no fault of my own. Despite this, XXXX proceeded to complete their investigation and issued responses stating that their position remained unchanged. They did not acknowledge that I was unable to submit documentation due to the non-functioning and inaccessible link. During the investigation process, negative reporting associated with this account was temporarily removed from my credit file. After the investigation was closed without my documentation being considered, the negative reporting was reinstated. This reflects a failure in the investigation process, as I was not provided a fair or functional opportunity to submit required documentation before a final determination was made. I am seeking to have the investigation reopened and to be provided with a working method to submit my documentation so that a complete and accurate review can be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
This appears to be a procedural misunderstanding regarding communication boundaries. I have a standing Cease and Desist order on file with the original creditor ( XXXX XXXX ) regarding the alleged account ending in XXXX. Despite this existing restriction, Messerli & Kramer PA initiated a written communication dated XX/XX/year>. Under the FDCPA, specifically 15 U.S.C. 1692c ( c ), once a consumer has notified a creditor or their agents in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the collector shall not communicate further. It appears there was a failure to synchronize the communication status between the original creditor and the firm prior to this contact. I am filing this to ensure my communication preferences are updated in their internal systems and to prevent further unauthorized contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Healthcare Finance Direct LLC.
State: SC

Complaint narrative:
I went to a dental practice AFFORDABLE DENTURES AND IMPLANTS that uses Healthcare Finance Direct for funding their work. I made a large down payment but 3 days later changed my mind and wrote the dental office and the finance company an email stating this. My potential procedure is still 7 days away at the time of the cancellation it was XXXX! The finance company is holding my down payment and are saying I may not get it back and that I may still have to pay the payments!! I have not had ANY WORK OR RECEIVED ANYTHING from them!! I cancelled in plenty of time and I want my money back! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Santander XXXX USA regarding an account they claim I owe with a reported balance of {$5300.00}. On XX/XX/year>, I received a letter from Santander offering to settle this alleged debt for {$260.00}. This represents an extreme discrepancy between the claimed balance and the amount they are willing to accept. This discrepancy raises serious concerns about : The accuracy of the reported balance Whether the amount is properly calculated Whether the account is supported by complete and reliable documentation I formally disputed this account in writing and requested a reasonable investigation, including documentation supporting the debt. Despite this, Santander has : Failed to provide sufficient documentation validating the balance Failed to demonstrate how the amount was calculated Continued to maintain the account without resolving the inconsistencies Potentially continued furnishing information that may be inaccurate or unverifiable Under the Fair Credit Reporting Act : Furnishers must report accurate and complete information They must conduct a reasonable investigation when a dispute is received They must correct or delete information that can not be verified The information being reported appears unreliable and inconsistent. Additionally, based on the principles outlined in my supporting materials, a creditor must be able to substantiate : The existence of a valid agreement Their standing to collect The accuracy of the balance Failure to provide this raises concerns that the account may be improperly maintained or reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have had a Capital One credit card account since XX/XX/XXXX, with over 15 years of perfect payment history and no prior late payments. In late XXXX, I experienced multiple unauthorized or unexpected withdrawals from my bank account. To protect my account, I placed a temporary payment block with my bank. I was unaware that this action would also prevent legitimate payments from being processed. Two payments to Capital One were submitted in good faith but were returned solely due to this bank restriction. This was an isolated administrative banking issue, not a refusal or inability to pay. Following this, Capital One reported my account as 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, and then closed the account. This sequence of reporting does not reflect my 15+ year history of on-time payments. I contacted Capital One and requested a detailed explanation of how the 30-day and 60-day delinquency was calculated, including due dates, posting timelines, and how the account progressed to 60 days late under these circumstances. I was told the reporting was accurate, but no detailed explanation or supporting documentation was provided. My concern is not simply whether a payment was returned, but whether Capital One conducted a reasonable investigation and fairly considered the circumstances before reporting escalating delinquencies and closing a long-standing account. I have since taken corrective action. My Kohls account has been paid in full, and I am actively paying down my Capital One balance. I am requesting : 1. A detailed explanation of how the 30-day and 60-day late payments were calculated 2. Confirmation that a full and reasonable investigation was conducted 3. A goodwill review and reconsideration of the late payment reporting given my 15-year history and the isolated nature of this issue This situation does not reflect my established credit behavior and appears to be the result of a one-time banking restriction rather than ongoing delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
This debit appears on my credit report. Have been denied credit due to this collection. I am unaware of this debt nor have I receive any documentation

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On or about XX/XX/year>, I reviewed my TransUnion credit report and discovered multiple accounts being reported that I do not recognize and did not authorize. The accounts include : * XXXX XXXX XXXX XXXX reported as 120 days late ( balance listed as {$0.00} ) * Opportunity Financial charged off account * XXXX XXXX XXXX XXXX XXXX multiple accounts reported * XXXX XXXX / XXXX account reported with adverse history * XXXX XXXX collection account ( approximately {$1100.00} ) * XXXX XXXX XXXX collection account ( approximately {$2700.00} ) I have never opened, applied for, or signed any agreement for these accounts. I have no contractual relationship with any of these companies. After discovering these accounts, I disputed them with TransUnion, stating clearly that they are not mine and requesting verification. However, these accounts continue to be reported without any documentation being provided to me showing that I am responsible for the debts. These accounts are being reported with negative information such as late payments, charge-offs, and collections, which is damaging my credit. TransUnion has failed to provide actual proof of these debts, such as signed contracts or account documentation, and appears to have either not conducted a reasonable investigation or is relying on unverified information. I am requesting that these accounts be fully investigated and that any account that can not be properly verified with documented evidence be deleted from my credit report.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
{$420.00} was sent to my account for my rent in XXXX XXXX XXXX and as of today, cash app refuses to release the {$420.00} from my account, to me. I even complained with better business bureau as this matter. Cash app even refuses to send me a new card so I can get my money. They have stolen my money from me and refuses to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting a follow-up dispute regarding the application of my XXXX and XX/XX/XXXX payments on my Santander XXXX USA account XXXX in XXXX XXXX XXXX XXXX XXXXXXXX. In Santanders previous response, the company stated that no payment was made in XX/XX/XXXX. However, I have attached proof from my XXXX XXXX account showing that payments were successfully processed and posted to Santander. The records show the following : XX/XX/XXXX Santander BillPay ACH Web {$650.00} Status : Posted XX/XX/XXXX Santander/PayNear payment {$650.00} Status : Posted These payments were made from my XXXX account after prior payment attempts from my XXXX account were declined. The payments were successfully processed and posted through Santanders payment systems. Because Santander previously admitted there was a system error affecting my account, I am requesting a complete accounting review showing exactly how these payments were applied to my account and billing cycles. I am requesting : A full payment application ledger showing how all payments from XX/XX/XXXX through XX/XX/XXXX were applied. Clarification regarding how the XX/XX/XXXX and XX/XX/XXXX payments were allocated. A breakdown of any remaining balance, fees, reversals, or adjustments currently being charged. Written clarification explaining why Santander previously stated that no XX/XX/XXXX payment was received despite the attached posted transaction records. I have maintained payments on this vehicle loan since XXXX and have consistently made payments, including correcting declined transactions immediately through alternate payment methods. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The bank that I am dealing with is Well Fargo I have a credit card with them. I keep for emergencies and I don't use it unless I have to. They Keep sending me threatening letters. That they gon na close the account. Because I'm not using it. I was told by a credit counselor that you should not cancel your credit cards because it looked bad on your credit, they been harassing me and keep on sending letters saying if you don't use it, we're gon na close it and I feel like as long as i have that credit card. It's sure still on my account As long as I want until I feel like using it. I wish they stop harassing me trying to make me use it

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C system XXXX debt collector I didn't do XXXX XXXX on my credit report as of XX/XX/year> been trying since XXXX they took it down then put it back up nice XXXX XXXX on my credit report don't look healthy

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 2026-05-05 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I have a Comenity XXXX credit card. I paid my statement balance of XXXX twice by accident. You can see on my bank statement and credit card that it went through twice. I paid it on XX/XX/year> and XX/XX/year>. I requested a refund of one of the payments. They refunded one back into my bank account on XX/XX/year>. I paid my next month full statement of XXXX on XX/XX/year>. The following month my balance was XXXX which I knew I did not spend that much. I saw that they debited my account for XXXX on XX/XX/year> but I never saw where my 2 payments in XXXX put my account into a positive balance. I disputed this and they said they made an error. They refunded me again on XX/XX/year> and said it was the end of it. Next statement I saw it again showing I owed it. I disputed this and credit card company said they didnt make an error. Im not disputing that I received 2 refunds but theyre saying everything never adjusted my statement balance after making 2 full payments in XXXX.

Company response to consumer: Closed with monetary relief