vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Re : Comenity-XXXX  XXXX XXXX My credit card payment that was due XX/XX/year>XXXX  was applied on XX/XX/year>, and a late fee + interest on the late fee was applied. I called to ask that it be waived in lieu of the holiday and they took off half. I paid the remaining late fee portion, but the due date XX/XX/year> was a Sunday and they applied it on Monday XX/XX/year>. This generated another late fee, more interest on said late fee, and they RESCINDED the credit they offered for the prior late fee. 
I called again and asked them what their policy was when a due date falls on a Sunday and they offered no explanation. I requested a supervisor and was put on hold for 30 minutes. I called back and went through another 45 minutes before being told there was nothing they can do. I told them that I would pay the statement balance, to which they told me to add an additional {$2.00} for more interest!

Now I'm paying interest generated from late fees and interest, that was initially generated from late fees and interest, all because the due dates were on a Federal Holiday and a Sunday!

I read on the consumerfinance.gov website that if a due date falls on a Sunday or Holiday, any payment received on the next business day can not generate late fees.

My credit score is over XXXX, so I'm not a late payer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Danco Financial Services, LLC
State: FL

Complaint narrative:
Despite my repeated disputes, neither XXXX  nor DANCO FINANCIAL XXXX has provided any competent evidence validating the alleged late payments. Instead, the account continues to be reported without documentation. 

The account has not been reported since XX/XX/year>, yet remains marked open and derogatory, which further raises concerns regarding accuracy and compliance. 



Violations of Federal Law The continued reporting of this account constitutes violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to : XXXX. Failure to Conduct a Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) A reasonable reinvestigation requires more than automated verification. No documentation has been provided to substantiate the late payments. 

XXXX. Reporting Inaccurate or Unverifiable Information 15 U.S.C. 1681e ( b ) If the information can not be verified with documentary evidence, it must be deleted. 

XXXX. Failure to Disclose Method of Verification 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) I have not been provided the name, title, or contact information of the party who verified this account, nor what records were reviewed. 

XXXX. Furnisher Liability 15 U.S.C. 1681s-2 ( b ) Once notified of a dispute, the furnisher is required to conduct a reasonable investigation and report accurate results. Continued reporting without documentation suggests noncompliance. 

XXXX. Willful and/or Negligent Noncompliance 15 U.S.C. 1681n & 1681o Repeated disputes without documentary validation demonstrate reckless disregard for statutory obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT ARE INACCURATE AND UNVERIFIED. I DID NOT OPEN, AUTHORIZE, OR AGREE TO THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CO

Complaint narrative:
Service was ported from XXXX to another provider XX/XX/year>. On the same day a request to cancel the account was made. XXXX wrongfully kept account open for two months. 

Necessary documents to send back devices not provided by XXXX. This lead to wrongful charges on the final bill. 

Multiple attempts made requesting these corrections be made. XXXX continues to attempt collection of wrong amount through different collection agencies. 

Previously complaints filed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against my bank for failing to properly investigate a dispute for {$380.00} regarding a transaction with 'XXXX  ' on XX/XX/year>. 

The Core Issue : I was charged for hourly labor services that contractually grant me a right to verify work logs before payment. The merchant ( XXXX ) banned my access to their platform during the active billing cycle, explicitly preventing me from verifying the hours or receiving the work product ( source code ). 

The Bank 's Failure : I submitted a dispute stating that the merchant made it impossible for me to receive the service or validate the charges. The bank rejected my dispute, effectively ruling that I must pay for services I was physically blocked from receiving or verifying. 

Unfair Practice : By upholding this charge, the bank is supporting an 'Unfair Act or Practice ' where a merchant can seize funds for labor while simultaneously blocking the customer from accessing the fruit of that labor. The bank ignored my evidence that the 'benefit of the bargain ' was never received. 

Resolution Requested : I am requesting a full credit of {$380.00} as the merchant has retained both my funds and the work product.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have noth a regular checking and a wealth management account with Bank of America. Recently, I was advised that Bank of America was unilaterally closing thw account and my money would be provided to me. Bank of America has not followed through with this promise and now refuses to respond to my reasonable requests for sending the money to money. Bank of America has also enacted some means to prevent me from transferring my funds elsewhere or indeed to another Bank of America account, despite reasonable requests for them to allow such transfers or for information regarding when the money will be made available to me. In fact, they now seemingly refuse to respond to my communication attempts at all, no matter the form of communication requested.

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 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
FASFA and aidvantage which was in the beginning XXXX .Now my daughter applied when she was in high school. It all comes full circle she started college. Fast forward its her loan they are demanding me to pay. No one is contacting her or trying to make any arrangements for payments with her. When I am getting emails about payments no one is referring or saying her account. Its my name my social security number. I hear all the time about student loans but now they put it in my name. So, if my grown daughter decides to go back to college. Its not fair. My credit report my social security. 
I did tell aidvantage and it was no help. They only contacting me. 
They was even contacting me during the shut down 2025. I just received a letter and her name or her account number not showing the one that was given to her. When she applied is not on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have repeatedly called XXXX XXXX XXXX  to resolve the fact that they have massive accounting errors. Ive been charged over {$13000.00} in a span of two months despite making no charges. What a have is a long list of adjustments that only increase my total money owed to them which are all illogical. Its fraudulent and improper.

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 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omega RMS, LLC
State: NV

Complaint narrative:
Original Acct # : XXXX ( XXXX XXXX XXXX XXXX  ) Omega Acct # : XXXX I am filing this complaint due to improper debt validation and the assessment of contractually prohibited interest by Omega RMS , LLC XXXX which assumed this account on XX/XX/XXXX. 

1. Contractual Interest Violation : My original contract with XXXX Bank ( dated XX/XX/XXXX ) provided a 0 % promotional interest rate for 18 months ( until XX/XX/XXXX ). I stopped payment in XX/XX/XXXX because the merchant, XXXX XXXX XXXXXXXX, ceased operations and failed to render services. Despite this, Omega is demanding {$4100.00} in interestan amount that was contractually prohibited during that time. 

2. Failure to Itemize and Validate ( Regulation F ) : Omega RMS provided a letter on XX/XX/XXXX claiming a total interest portion of {$4100.00}. However, the payment ledger they provided shows {$0.00} in interest paid for the life of the loan. Per Section D.1 of my contract, interest is to be calculated on a " daily simple interest basis ''. Omega has failed to provide a line-by-line itemization of when this interest supposedly accrued, which is required for proper debt validation under 12 CFR 1006.34.

3. Merchant Breach ( FTC Holder Rule ) : The merchant, Private Label Mastery, breached the contract by failing to perform coaching services and is now defunct FTC Report # XXXX. Under 16 C.F.R. Part 433, Omega RMS is subject to my defense of 'Failure of Consideration. ' Omegas investigation failed to address this breach. I request that this unverified and contractually invalid debt be closed with a {$0.00} balance and deleted from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
" On XX/XX/year>, I purchased a trading card via XXXX ( Order # XXXX ) for {$3200.00} using PayPal as the payment processor. 
Upon receiving the item, I submitted it to XXXX XXXX XXXX ( XXXX ), the industry leader in third-party authentication, to verify its authenticity. XXXX officially rejected the item and returned it to me as 'Counterfeit/Questionable. ' I opened a dispute with PayPal ( Case # XXXX ) and provided the official XXXX rejection as expert third-party evidence that the item is counterfeit. Despite this, PayPal closed the case as 'Ineligible ' and has blocked the option to appeal the decision within my account dashboard. 
According to PayPals Purchase Protection User Agreement, items that are 'advertised as authentic but are not authentic ( i.e. counterfeit ) ' are explicitly covered under 'Significantly Not as Described ' claims. PayPal is currently in violation of its own stated consumer protection policies by refusing to investigate a documented case of fraud for a high-value transaction. 
I am requesting that PayPal manually review the XXXX documentation I have provided and issue a full refund of {$3200.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CapitalJ Inc. dba Juno

Complaint narrative:
XX/XX/year>, the company sent the amount that i willing to transfer in my account. I wait for several hours no transfer happen to my account. I tell to them that no transaction. They sent me confirmation and text that the fund is transfer but no transfer happen in my side. Upon checking the support, there was a technical issue happen and they ask me to pay it. Upon checking the screenshot they provide, i verified that there will be mismatch in info specially in my name. Maybe this is the reason why my money never transfer. I ask for the cooperation of the bank but they pursue me to pay the fee to able to have the cast. I suspected them they intentionally make a wrong input in my name. They also forcing me to sell item to have the fee. I hope you can help to get the fund. I will provide screenshot of transaction and chat

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I paid off my vehicle with America First Credit Union on or about XX/XX/XXXX. I have yet to receive my Title as American First CU is alleging that there is a systems issue preventing the title from being released and removing them as lien holder. I have visited the XXXX and the local XXXX, NV branch several times since XX/XX/XXXX until XX/XX/XXXX to no avail. To date the only thing given to me was a certificate of title not the original title from AFCU.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: NY

Complaint narrative:
On XX/XX/year>, I made a purchase from XXXX using PayPal Pay in 4. The order was split into multiple shipments. One of the main packages, totaling {$320.00}, was returned to sender and confirmed as returned by XXXX tracking. 

XXXX acknowledged that the package was returned and initially stated I would receive a refund. However, instead of refunding the full amount to my original PayPal payment method, they refunded only {$17.00} to PayPal and placed {$320.00} into a XXXX wallet balance. I did not authorize this refund method and do not wish to use store credit. 

I opened a dispute with PayPal. The seller repeatedly provided incorrect or invalid tracking numbers to PayPal. PayPal closed the case multiple times in the sellers favor based solely on tracking information provided, without verifying whether the tracking numbers were valid or related to my order. 

When I contacted PayPal by phone, a representative confirmed that at least one tracking number provided by the seller was invalid. I was told my dispute reason would be updated to reflect returned to sender and that I would receive confirmation. However, the case was closed again before the issue was properly updated. 

My bank ( XXXX ) reviewed the transaction separately and resolved the dispute in my favor. Despite this, PayPal continues to hold me responsible for the Pay in 4 balance and is requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase announced that Chase sapphire reserve cardholders can get early access for XXXX tickets I I got this CC which has fee of {$790.00} for one of this reason in hope to get tickets but On XX/XX/year> when tickets were out, there was no secure log in. Even though i started queue right at 12, every 15 mins the system booted me out. This happened until around XXXX XXXX  and then all the tickets were sold out. 
Chase failed to protect and provide what was advertised wasting my and many other customers from BOTS that took all the tickets and now will be selling back to us in thousands of dollars. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Collectors International, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding Debt Collectors International , Inc. for attempting to collect and report an invalid {$6000.00} debt to XXXX XXXX, XXXX. 

This transaction was disputed through XXXX. On XX/XX/year>, XXXX confirmed that the merchant approved a full {$6000.00} return. All future payments were canceled and my balance was reduced to {$0.00}. 

XXXX formally resolved the dispute in my favor after reviewing evidence from both parties. 

Despite this documented resolution, Debt Collectors International has reported this account as a collection on my credit report, causing significant damage to my credit score. 

This debt does not exist. Reporting it as a collection is inaccurate and appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting immediate investigation, deletion of this collection account, and written confirmation that this matter is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After unauthorized transactions were made on my debit card, I immediately reported the fraud to Citibank. The charges were refunded and my card was cancelled. I was told a replacement card would be issued. 

However, Citibank failed to process the replacement card. As a result, I was left without access to my debit card due to an internal error. 

When I contacted customer service about the missing card, I experienced dismissive and unprofessional treatment. As a fraud victim, I expected urgency, accountability, and basic courtesy. Instead, my concerns were minimized and I was not offered expedited delivery despite the hardship caused. 

I spoke with Supervisor XXXX, employee number, XXXX, who was not responsible for the original oversight, but the overall handling reflects a failure in both internal procedures and customer service standards.

I am requesting : Immediate expedited delivery of my replacement debit card A written explanation of how the replacement was not processed Assurance that corrective action will be taken to prevent this from happening to other customers This experience has significantly affected my trust in Citibanks ability to properly handle fraud cases and provide access to customer funds

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I am writing in response to your communication regarding the above-referenced account.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. I do not acknowledge this debt and request that you provide competent evidence that I am legally obligated to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the permanent deactivation of my Cash App account by Cash App XXXX Block , Inc . I have been a long-standing Cash App customer for many years and have consistently used the platform for lawful, personal transactions. I have never knowingly violated Cash Apps Terms of Service, nor have I intentionally engaged in any activity involving the provision of financial services or other prohibited conduct. Cash App informed me that my account was deactivated due to payment activity related to providing financial services. This explanation was vague and conclusory. No specific transactions, dates, or behaviors were identified, and I was not provided an opportunity to clarify or correct any alleged issue prior to permanent closure. Any payments I sent or received were conducted in good faith for personal purposes. If automated monitoring was triggered by the actions, requests, or descriptions of another user, I was unaware of any wrongdoing and did not knowingly participate in prohibited activity. I dispute that my account activity reflects intent, knowledge, or a pattern of misuse that would justify permanent deactivation. I requested reconsideration and additional explanation from Cash App, but the response did not provide meaningful detail or evidence supporting the decision. Given my long history of compliant use and the absence of prior warnings or restrictions, I believe the decision warrants secondary review. I am seeking : A fair and thorough secondary review of my account A clear and specific explanation of the alleged violation Reinstatement of my account if no intentional or repeated misconduct is found I am willing to cooperate with any verification or documentation requests necessary to resolve this matter. Thank you for your review and assistance.

Company response to consumer: Closed with explanation