vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or incomplete information being furnished by TD Bank to XXXX XXXX XXXX XXXX XXXX ), a consumer reporting agency. TD Bank reported adverse information and subsequently closed my account without providing clear reasoning or adequate explanation. The activity in question was not the result of fraud or intentional misuse, which I communicated to the institution at the time of closure. However, the information continues to be reported in a manner that does not accurately reflect the circumstances or current status of the account. As a result of this reporting, I have been denied the ability to open a checking account with other financial institutions, causing ongoing financial hardship and limiting my access to basic banking services. I have contacted TD Bank directly to request correction or updating of the information furnished to XXXX XXXX XXXX, but the issue remains unresolved. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal obligation to ensure that information reported to consumer reporting agencies is accurate, complete, and properly updated. I am requesting that TD Bank conduct a reasonable investigation and promptly correct, update, or remove any inaccurate or outdated information furnished to XXXX XXXX XXXX

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 — Problem with rewards from credit card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX I booked XXXX roundtrip flights using XXXX points from XXXX to XXXX XXXX, leaving XX/XX/XXXX and returning XX/XX/XXXX. We had to cancel the outbound flight from XXXX to XXXX XXXX on XX/XX/XXXX because the flight was late. This would have caused us to miss our flight to XXXX. XXXX XXXX said it was fine to cancel that portion of the ticket since the plane was late. They advised us to contact the travel agent ( US Bank XXXX XXXX ) for our refund. XXXX sent me an email on XX/XX/XXXX confirming the refund to our travel agent. US Bank has no record of this cancellation or refund and I'm unable to use the ticket or points. I have called many times and they just tell me they don't have the refund. I've asked for a supervisor, but there is none. I've asked for them to email me an explanation of the problem and they refuse. I

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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I used PayPal as payment for an item I purchased. PayPal took my XXXX and is holding it from the seller for 21 days. They have my money, everything has cleared, they are choosing to hold it, have it in their account collecting interest, and my seller has yet to be paid. I want the money released immediately and I want whatever interest they have collected on my money refunded to me.

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: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I received a letter from Bank of America stating they're closing my account due to non-activity, derogatory account on my credit report ( which was from them ). This makes no sense has I don't have a balance on my card, nor have I ever been late on my payments. I would assume this closure is discriminator, and would like some help in resolving this issue.

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: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Ive literally never had a car edit card with capital one Ever! Someone opened a fraudulent account yrs ago in my name without my knowledge or permission. I fought for years to prove it wasnt me and I had no knowledge. I was involved in mutiple data breach and had my identity stolen. Now when i apply for a card Im constantly being denied due to the fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: IA

Complaint narrative:
I got the loan on XX/XX/year> it was for {$650.00}. I revoked authorization from auto payments and went to pay on it and realized the amount was already up to {$1000.00}. I contacted them and told them it wasnt that my amount was that high already. I told them I refuse to pay. Its currently at XXXX within a month of getting the loan just because of interest

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - I C SYSTEM - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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: Closing an account — Can't close your account
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
My mother had a checking account with Flagstar Bank with her XXXX children as beneficiaries. She is now deceased. I went to the branch on XXXX in XXXX XXXX XXXX MI where she opened the account. I presented the death certificate and my driver 's license to inform the bank that she had died and to begin the process of closing the account and distributing the funds. I was told that all XXXX beneficiaries had to be present in the bank at the same time to start the process. We are unable to all be at the bank together because I live out of state and my siblings all have their own schedules. This is a major inconvenience for all beneficiaries. I don't understand why it has to be this difficult to close this account.

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 — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Taxes got XXXX paid from my impound account at the close of my escrow. XXXX months after closing I still do not have my refund for the XXXX property tax payment. I provided SPS with the wire confirmation confirming receipt of XXXX XXXX of XXXX refund XXXX weeks ago and their response was " its in process ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Installed XXXX skylights from XXXX XXXX XXXX XXXX XXXX. The job was poorly installed, cause leaking and damages to interal and exteral of my home, I refused to pay.XXXX claimes they wanted to fix the problem, however, they do not employee painters, carpenter or staging for high ceilings. XXXX sent me a letter that i was paid infull, to let them off the hook. Then w/o my promission approved me for a loan for XXXX, at Synchrony Bank XXXX XXXX box XXXX, XXXX, PA XXXX XXXX Now Synchrony Bank is claiming I own them XXXX with insterest charges each month. do have a claim with the consumer protection agency, however because XXXX have approved a loan with Synchrony bank. XXXX is not obligated to work with me. I, was advised to get a application that proves I XXXX a loan with XXXX XXXX. my ending case number XXXX with the bank ) .my consumer case XXXX XXXX am a XXXX citizen.

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: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I booked a hotel stay at XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) through the Capital One Travel portal using my XXXX XXXX card on XX/XX/year>. Based on the cost representation which stated " total includes fees '', I reasonably understood that all mandatory hotel fees were included in the displayed total. After completing the booking, I received a confirmation email stating that a mandatory resort fee of {$50.00} per night would be charged at the property. For a 3-night stay, this amounts to : {$50.00} 3 nights = {$150.00} in additional mandatory charges This materially increases the total cost of the stay beyond what was represented at booking. The resort fee is not optional. It is a mandatory condition of staying at the property. Therefore, it is part of the true total cost. When I called in I was told that this information was included in the " Need to know '' section prior to booking. However, it was not and I have screenshots of other booking offers which also omit this information, indicating that there is an error. The booking page explicitly stated Total includes fees. That statement is inconsistent with a separate mandatory {$50.00} per night charge disclosed only after booking confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO 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 non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
XX/XX/year> its two accounts they removed one and one is highly impacting my credit score and they stated it was going to be removed only was late once due to pay coming late and they stated they was going to give me a onetime forgiveness and remove the late fee as well. They switch Branch Mgrs and the new Mgr would not do it cause he wasnt aware of the issue please remove from credit file trying to purchase my first home in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
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 — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bank with Chase. My wallet was stolen and on XX/XX/year>, a withdrawal was made from my account using my debit card and pin for {$9800.00} with a teller and the withdrawal was not made by me. Someone impersonated me to make the transaction. The transaction was made at the XXXXXXXX XXXX XXXX XXXXXXXX Chase location ( Branch XXXX ) at XXXX XXXX XXXX at XXXX. I was at work at XXXX XXXX XXXX at the time of the transaction and I have a time stamp proving it. I submitted a police report on XX/XX/XXXX and had it faxed to the claims department at Chase. Chase was not handling my case appropiately making me resubmit paperwork multiple times. Once the claim was opened they denied the claim without checking cameras. They denied the claim and will not refund the {$9800.00} that was stolen from my account. This transaction was clearly not made by me and yet Chase did not even check cameras before denying the claim. I have gone to my local Chase bank on XXXX multiple times on different dates to try and resolve this matter but the claim was not resolved. A teller gave my money to someone impersonating me and Chase is refusing to refund me or investigate further.

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: Chime Financial Inc
State: AL

Complaint narrative:
I was supposed to receive XXXX in my account I never received it and they closed my account without my consent I wasnt even using it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: GLOBAL SOLUTION BIZ LLC.
State: GA

Complaint narrative:
I have asked this company to stop contacting me and they are constantly harassing me over a debt I never had. Per 15 USC 1692g validation of debt. Please provide title of ownership, signed contract of each and every transaction. I will be filing a lawsuit against this company for violation of the FCRA. The unwarranted harassment has to stop for an account this company doesn't own. Stop trying to prophet off another company mishap. Global has no legal ownership of this account. I will be contacting legal representative to sue this company.

Company response to consumer: Closed with explanation
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: CL Holdings LLC
State: AZ

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I closed my XXXX XXXX XXXX checking account and transferred the remaining balance to a new account. American Express had previously been using the closed account for payment. On XX/XX/year>, a payment was made to American Express in the amount of approximately {$940.00}. However, because American Express continued attempting to debit the previously closed XXXX XXXX XXXX account, a payment attempt was returned. Despite being informed that the bank account was closed, American Express representatives stated that per their policy they were required to continue attempting to debit the closed account a specific number of times before switching to the new account. During this period, they did not debit the new, properly listed payment account, even though it was confirmed by a representative on XX/XX/year> that the new account was listed as my primary payment method and the closed account had been removed from my billing profile. Instead, American Express continued attempting debits to the closed account, which generated returned payment events. As a result, late fees, penalties, and balance increases accumulated. My balance increased from approximately {$930.00} to {$1900.00}. On XX/XX/year>, an American Express representative admitted they had attempted to charge the closed account again and stated it would be the last attempt, although prior representatives had said the same thing. I made a payment to bring the account current, yet American Express continues to claim an additional balance of approximately {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: NH

Complaint narrative:
I received a phone call and this account had been previously charged off. I did not consent to this company and requested an itemized statement showing proof of debt owed which they have not provided. This item has previously been on my report and has again appeared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
At the time of purchase, the dealer verbally represented that my first payment would not be due for a later period ( XXXX to XXXX months after the purchase date ). I relied on this representation when agreeing to the financing and signing the paperwork. After the transaction was completed and the loan was processed by GM Financial, I discovered that the first payment due date shown by GM Financial does not match what was represented by the dealer at the time of sale. I contacted both the dealership and GM Financial to request clarification and confirmation of the correct first payment due date. I received inconsistent explanations, and neither party provided a written confirmation that matched what was promised before and at the time of signing. As a result, the terms of the loan appear to have changed after closing, creating confusion and financial risk that I did not agree to when the contract was executed. I am submitting this complaint because the financing terms I was given after closing do not align with the representations made during the sales process, and my attempts to resolve this directly with the dealer and GM Financial were unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gallatin Valley Financial
State: MT

Complaint narrative:
I received a phone call on XX/XX/XXXX from Rocky Mountain credit in XXXX Montana, talked to XXXX XXXX He is claiming that my ex boyfriends father is claiming alleged debt from a personal loan that I got from my ex boyfriends father. I paid him back all of the money, per my contemporaneous records in my notes section of my phone. 95 % of payments were made with cash that I collected and paid my ex-boyfriends father for this loan. The loan was officially paid off in XX/XX/XXXX, I sent a certified letter to my ex-boyfriends father stating this and XXXX months later, without any contact from him regarding this alleged debt, he sent it to collections. XXXX XXXX @ Rocky Mountain credit didnt provide any verification just called and told me I owed roughly {$9500.00} and that if I didnt pay it, he was going to sue me. He was going to report it to the credit bureaus and asked if I was prepared and ready to hire an attorney for court. It has been XXXX days since he called me and I have not received any correspondence from Rocky Mountain credit to verify this alleged debt. I do not owe this money and this is nothing more than an attempt to get more money from me. I did send a formal certified letter to Rocky Mountain credit disputing the alleged debt in its entirety. I still have not received anything in the mail since he called and threatened me XXXX days ago

Company response to consumer: Untimely response