vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I opened a checking account with Flagstar Bank entirely online. However, when I attempted to close the account, I was informed that the only way to close it is by sending a physical letter by mail or visit a branch far from where I live. Meanwhile, they are not reimbursing my expense to mail. Because the account was opened online, requiring a physical mailed letter to close the account creates an unnecessary barrier and imposes an unreasonable burden on the consumer. The bank provides comprehensive online banking services and identity verification for account opening and account management, but refuses to allow account closure through the same secure online channel. This requirement is particularly concerning because it may expose consumers to the risk of ongoing account maintenance fees or other charges while waiting for a mailed request to be processed. In addition, mailing sensitive account information increases the risk of identity theft or loss. I respectfully request that Flagstar Bank allow my account to be closed through secure online banking, secure message, or another electronic method consistent with how the account was opened and managed. I am not disputing any transactions. I simply want to close the account without being forced to send a physical letter through the mail. I would appreciate assistance in resolving this issue and having the account closed 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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Zap Solutions, Inc.
State: CA

Complaint narrative:
My strike account was closed due to activity they flagged in their system no explanation was given to me. I then lost half of what I invested in XXXX because I could not retrieve my key phrase but in my statements they later moved my bitcoin and debited to themselves or unknown location. So the investment and interest I would have accumulated was not what it would be today considering bitcoin was XXXX a share approx. now has tripled or more. So they refuse to give me my address or key phrase and refuse to give me the funds last seen in my account but they do not have rights over my crypto currency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint regarding a delayed refund from Capital One related to an overpayment made by XXXX on my credit card account. On XX/XX/year>, XXXX mistakenly paid my Capital One credit card twice. I contacted Capital One promptly and requested a refund of the overpayment. Since that time over two to three weeks I have not received the refund. Despite multiple inquiries, I have received inconsistent information : representatives initially stated the refund had been issued, but later I was told it had not been processed. The delay has caused significant concern and financial stress. I am requesting your assistance in : 1. Investigating why the refund has not been issued. 2. Ensuring that Capital One sends the refund immediately. 3. Confirming that my account is properly credited and no additional fees or interest are applied due to this delay. Below is my account information for reference : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Amount in Refund Dispute : XXXX - Dates of Contact with Capital One : 3 weeks Thank you for your assistance. I look forward to your response and resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against [ Equifax ] for willful non-compliance with the Fair Credit Reporting Act, specifically failing to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ) and failing to employ reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). [ Equifax ] is unlawfully reporting and verifying inaccurate, legally uncollectible tradelines associated with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. The underlying debts are invalid. The original creditor, XXXX XXXX, already deleted their tradelines from my credit report following my direct disputes regarding the debt 's validity.When an original creditor deletes an account due to a dispute or legal cancellation, a subsequent debt buyer can not legally report that debt as valid. Doing so violates FDCPA 1692e ( 2 ) ( A ) by falsely representing the legal status of the debt. XXXX has already recognized this and successfully deleted these exact tradelines.Most egregiously, XXXX is verifying accounts that the furnishers themselves have already closed and requested to be removed. I have official CFPB complaint responses proving this : XXXX XXXX XXXX : In their official CFPB response, they explicitly stated : " To resolve this matter, we have terminated collection efforts. If reporting, we will request the credit bureaus to delete our tradelines. " XXXX XXXX XXXX ( via XXXX XXXX XXXX ) : I received a formal, written response directly from their General Counsel, XXXX XXXX XXXX, XXXX, confirming they placed an " immediate cease '' on all communications, completely closed the account, and returned it to their client.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XXXX XXXX Wednesday, XX/XX/XXXX I went into Citizens Bank at XXXX XXXX XXXX XXXXXXXX XXXX to make a {$5000.00} ATM deposit. Since the ATM only takes XXXX bills at a time I had placed {$2500.00} in two separate envelopes. When I got to the bank I noticed the teller line only had one or two people waiting so I joined the line. The teller line wasn't long but, it was taking a while to be seen. So I went back out to the ATM. I put my card and information into the ATM. I took the two envelopes from my bag and removed {$2500.00} from one of the envelopes. I put the {$2500.00} in the appropriate slot. and waited. The machine made some noise and the slot opened and returned XXXX XXXX XXXX dollar bills. I waited for the {$2100.00} to register and for the machine to ask if I wanted to deposit more or was the transaction complete. Nothing happened and the scene went BLANK. No receipt, no acknowledgment of the {$2100.00} that just disappeared behind the ATM, nothing! I started screaming that the ATM had taken my money and Citizens employee, XXXX XXXX came over and looked at the ATM and then took me to her cubicle. Eventually Turn XXXX came over to give his input. I asked for someone to go behind the ATM to check for my {$2100.00}. She said they could not. That no one in the bank had access. That I had to wait until the company that serviced the ATM came and reported the overage. I asked how would they know it was mine and she said my claim # XXXX and information that I had provided would match the overage. I called Citizens and was told the same thing over and over, that it would take five to ten business days to resolve and for the overage to be detected and returned to my account. I stood in line and deposited the {$2900.00} ( the balance of the {$5000.00} ). Finally, on XX/XX/XXXX I noticed the {$2100.00} in my account with Claim Credit XXXX and I exhaled. Fast ward to Wednesday, XX/XX/XXXX I see a XXXX Debit Miscellaneous Charge from my account for {$2100.00}. I immediately called the bank and was informed that they rescind the {$2100.00} that they gave me on XX/XX/XXXX. No one called and no correspondence was received to give me a heads up that my money was being stolen from me again!! TWO months later when they probably erased the footage of me at the ATM and the Citizens rep, XXXX ( and eventually XXXX ) tells me they are going to look into it again!! How does this happen that they can just take my money at the ATM and I have no recourse. Please advise. I need help getting my {$2100.00} back from Citizens bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding Spring Oaks Capitals continued reporting and collection of an account that I formally disputed. I disputed this account with the credit reporting agencies and requested a proper reinvestigation under the Fair Credit Reporting Act. The account was verified as accurate ; however, when I requested a Method of Verification and documentation supporting the reported balance, status, and ownership of the account, sufficient documentation was not provided. The company continues to report the account monthly despite my dispute and has not provided competent evidence that substantiates the debt or validates their authority to collect and report it. If Spring Oaks Capital can not provide full documentation verifying the accuracy and ownership of this account, I am requesting that the account be deleted from all credit reporting agencies and that collection activity cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Checked credit report and it showed I had an alleged debt of XXXX. I was not notified nor given the opportunity to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NV

Complaint narrative:
I moved out of a rental property, and for some reason my final payment did not go through in XXXX. By the time I became aware of it, the account had already been sent to collections with additional charges added. I called the rental company and they supported me with this information and provided it to IQ. When I contacted the collection agency, IQ Data International, they required payment in full, which I was unable to do at the time because I only had credit available and one months rent for the current location. They did not offer or allow a payment arrangement since they said I could pay them with my credit cards knowing most of them were maxed out. They asked how much money I had in the bank and how much I owed in credit cards. About 12 years later, after becoming more financially stable, I contacted them again through a number provided by XXXX XXXX. I was again told that I could not set up a payment plan and that the balance had to be paid in full. I explained that I could make a partial payment toward the debt, and they said that would be acceptable, but that I would essentially be paying an allocated interest rate of 6.7 % being charged daily. I asked whether that was legal, and they stated that it was and that I could look it up myself. My research indicates otherwise. I still went ahead and paid {$500.00} on XX/XX/XXXX. I do want to resolve and pay this debt, but I do not want to agree to or be subject to what appears to be a daily interest rate of 6.7 %. Please advise on how to proceed. I have attached letters I received from the rental property when they system glitched and provided a different total. ( balance due )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Please remove this account from my credit report due to this account not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I dispute this account under reason code XXXX ( no verification ). I have not received original documentation proving the debt or assignment of the account. Collection calls continued despite my request for validation. I request investigation and verification. If verification can not be provided, I request correction of the account.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I woke up at XXXX on XX/XX/year> with a notice from USAA that i had requested a new debit card to be sent to my house. I selected NO that i did not request this debit card. MY account was placed into the restricted status as soon as i said NO. I was provided a number to call. When i called i explained what i mentioned above. i was told we will ship you out a new card with an expedite fee of {$20.00}. And that when i make a deposit my account would be brought back into the active status. I called them at XXXX .. My account was drawn {$20.00}. My account was still showing as restricted balance so i called them again at XXXX. only to be told that my account was closed for violating the account agreement. I was told that my funds would be on hold for 60 days and that i can not access anything for that duration. If my account was closed why did someone from USAA request a new debit card? Why was i charged a expedite fee for a new debit card if my account was closed?

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The Truist bank did not put these in my account. They are not fraud and have not proven to me they are. They flag every transaction as fraud to charge me money.

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 2026-02-25 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: MO

Complaint narrative:
I am reporting an unauthorized {$420.00} transfer resulting from an XXXX XXXX on PayPal. My account was compromised via an Account Takeover, leading to a fraudulent billing agreement with XXXX XXXX XXXX on XX/XX/year>. Funds were then taken out in the amount of {$420.00} on XX/XX/year>, the same day I added a new card to my PayPal account and had money available. XXXX XXXX XXXX scheme. I am asserting that this billing agreement was established using data exposed in their recent security lapse. Either way, Shady Business Practices : * PayPal has auto-denied my claim and appeal within minutes using an AI-first model that fails to conduct a good faith investigation into the login metadata for the XX/XX/XXXX setup date. Under the Electronic Fund Transfer Act, the existence of a billing agreement does not constitute authorization if that agreement was established by an unauthorized third party. * I have documentation showing a PayPal agent attempting to " coach '' me into misclassifying this fraud as an " Item Not Received '' claim to shield the company from liability. * After I filed a formal appeal and asked to be supplied the documents that led to my claim being denied ( ex. the IP address, Device ID, and/or Browser Fingerprint used to establish the billing agreement ) they again hit me with the same autogenerated bot response without supplying any documents at all. PayPal has refused my federal right under 12 CFR 1005.11 ( d ) ( 2 ) to see the evidence used for their denial, merely stating an agreement " exists '' without proving I authorized it. * PayPal has used AI chatbots for almost all of their interactions. They intentionally removed direct phone numbers from most public-facing pages. They use " Agentic AI '' ( their own term ) to gatekeep support hoping well just get exhausted, give up, and let them keep our money longer so they can profit. Even when you find a number, it often leads to an automated voice that tells you to once again visit the Resolution Center '' and then hangs up on you. Make no mistake : this is all purposely done. They are effectively de-platforming their own customers to protect their profit margins.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Unpaid Principal {$3700.00} Unpaid Interest {$26.00} Unpaid Late Fee {$19.00} Current Balance {$3800.00} Interest Rate 6.800 % Interest rates on federal student loans are set by Congress. Interest Type Fixed Total Accrued Interest {$1900.00} Total Amount Paid {$800.00} Principal Paid {$460.00} Interest Paid {$330.00} Fees Paid {$3.00} Loan Type FFELP School XXXX XXXX Current Owner NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$2600.00} Repayment Start Date XX/XX/XXXX Estimated Payoff Date XXXX/XXXX/XXXX 66 % If your loan was transferred to XXXX, your previous progress towards forgiveness may not be available. Qualifying IBR Payments 27

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year>, I opened a business account with Truist Bank In XXXX, XXXX At some point in XXXX, my mother-in-law was able to call and get my account flagged for fraud and deactivated. I was not made aware nor did I receive any emails, phone calls or alerts. Because my business was still in progress, I only deposited {$200.00} into the account to establish a history with the bank to show good standing with the XXXX XXXX XXXX and future clients. Everything I worked so hard for was easily destroyed without even a word. I came into the branch personally open an account with XXXX forms of identification and Truist allowed my mother-in-law who's name did not appear anywhere on my statement, to deactivate my account without XXXX piece of identification. Truist also stated they would keep the money deposited because it was considered fraud! ITS MY MONEY! This has caused me great deal of pain and anxiety! I've worked so hard!

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 2026-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
2nd Trail payment for modification trial amount {$1300.00} that was sent by XXXX XXXX XXXX, XXXX, to Flagstar Bank. Payment was not applied to my mortgage as of XXXX. Flagstar received payment XXXX XXXX, XXXX. See tracking conformation, cashier check proof. Received foreclosure letter from foreclosure attorney. I am currently in a trial period. Conversation with XXXX Loss Mitigation XXXX XXXX, XXXX ; she stated they did receive the trial payment of XXXX XXXX, XX/XX/year>. She said she emailed the collection dept to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Hello, I moved from an apartment complex called XXXX but once was called XXXX XXXX. I ended up moving due to not having hot water, mold in the ceiling, too much XXXX in the complex. And the property manager who was working there at the time was putting false amounts and extra charges on people portals including mines. I have reached out to them they claim nothing they cant do. That was from the old manager. When I moved out in XXXX XXXX my bills was all paid up. And when I got my taxes that following month which is XXXX I paid off the rest of my lease. Here comes XXXX they sending and billing me from a debt collections .different agencies at that. Its been removed off my credit to it being back on my credit is not right and messing my credit up. I would like this charge off ASAP.

Company response to consumer: Closed with explanation