vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I have been a NAVY federal Credit member for a while. Back I think XXXX I got a rewards card in which I added the money to. They didn't give me anything but I know how it works, I ended up falling behind XXXX and the card ended up being closed and put in collections as a charge off. I called in XXXX either XXXX or XXXX of XXXX settled the account which they did in the conversations I had with them when I settled the card and these past days I spoke with them. I have had XXXX protection the whole time when I fell behind on the CC which does not even relate to the CC it relates to my checking account but I had XXXX then and I had after I settled the card as well. I work for the XXXX XXXX so in XXXX I went through the shutdown which NFCU helped me a little by giving me XXXX every XXXX weeks, they terminated my XXXX back in XXXX. When we received our checks I didn't have enough to pay it all back at once I think I owed like XXXX at the time but I continued to send them money until it was paid off. First XXXX then XXXX and then XXXX until paid off. I recently was paid off all the way so now that my actual checking account is current I would like to reactivate my XXXX first I was told it could be done after a lady consulted with someone in the collection, which was still weird because its the same system, but I did it anyway. I get a reply that now it cant be done due to a settled CC I am not eligible which makes no sense at all, I settled the CC back in XX/XX/XXXX and have had XXXX the whole time, so I call the lady says the put the alerts on your account today that's it settled in full when it was settled back XX/XX/XXXX, now the alerts is stopping from being able to get XXXX back at all, which I rely on when I need it and pay it back every check. I talked to a supervisor I talked to collections several times even a young lady name XXXX with a bad attitude. This Is discrimination and unfair, that now I am being penalized for a card I settled over a year ago, not to mention, now that they just put the alert on there they must have been reporting to my credit incorrectly as well because now that I see they all say charged off but XXXX and been reporting behind payments which is incorrect. Please fix this situation and get back to me asked for a manager in the collections department to call me still waiting but I just asked for the call today. All they say is there is nothing they can do. I will also be contacting the XXXX XXXX XXXX with a complaint as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
XXXX XXXX XXXX sold the debt to this 3rd party-Gurstel Law Firm which cant validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX entered into a settlement agreement with XXXX XXXX XXXX regarding an alleged debt. Under the agreement, XXXX XXXX agreed to pay {$800.00} on XX/XX/XXXX, {$630.00} on XX/XX/XXXX, and {$620.00} on XX/XX/XXXX. XXXX XXXX made payments under the agreement. However, after the initial payments were made, he experienced severe financial hardship. He lost his job and is currently unemployed. He is also going through a divorce and has no income at this time. He is currently receiving XXXX benefits. Despite his financial hardship and unemployment, XXXXXXXX XXXX XXXX proceeded to obtain a judgment against him after alleging default under the settlement agreement. Since the judgment was entered, the law firm has continued to send collection letters and contact him regarding payment. XXXX XXXX does not currently have employment, wages, or available funds to satisfy the judgment. The continued collection communications are causing significant stress during an already difficult financial situation. We are requesting that the company review this matter in light of XXXX XXXX financial hardship and cease aggressive collection communications while he is unemployed and without income

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a formal complaint against Fifth Third Bank for engaging in unfair and abusive billing practices, specifically regarding the assessment of multiple, compounding overdraft and returned item fees on my checking account ( Account ending in : XXXX ). Recently, my account was targeted by continuous, invalid, and unauthorized ACH pull attempts. Instead of fulfilling its duty to protect my account and block these repeated invalid transactions, Fifth Third Bank allowed the merchant ( s ) to continuously ping my account. Consequently, the bank charged me exorbitant and overlapping fees for the exact same underlying transactions that were re-presented multiple times. These predatory fees have artificially driven my account balance to a negative amount exceeding {$2000.00}. I firmly believe this practice violates the CFPBs recent guidance on " Multiple Re-presentment NSF Fees '' and constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ). The bank chose to profit from a vulnerable account status rather than implementing basic fraud or continuous-failure blocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I recently opened premium savings account with Morgan Stanley and linked my XXXX checking account for initial funds transfer. I requested to transfer XXXX from my XXXX account ( XXXX ) which XXXX denied due to it being over the daily limit. I then transferred XXXX in XXXX transactions ( XXXX ) from XXXX to Morgan Stanley account, both transactions were processed successfully. However due to the failed transfer there was an account freeze put on the account. I made an effort to work with Morgan Stanley to resolve this matter promptly. Provided required documentation and have been consistently following up. Documentation provided : Bank statements from XXXX, ID documents and personally signed XXXX XXXX XXXX. XX/XX/year> : Account open XX/XX/year> : Account restricted XX/XX/year> : Called account risk department for removing the freeze, provided all required IDs and personally signed Letter of Intent. XX/XX/year> XXXX : Called again, provided all the information to the risk agent and asked to escalate to supervisor. Talked to supervisor and mentioned the urgency of the situation. XXXX escalated the case to back office and asked me to callback in XXXX hours. XX/XX/year> XXXX : Rep reviewed the information and mentioned there are no updates. Mentioned it's still in process. Told me that it will done by EOD. XX/XX/year> XXXX : Provided same information, requested to talk to back office but request was promptly denied. Mentioned this case will resolved by EOD today, however this time I asked if the rep can provide this in writing which rep immediately declined to do so. In all the cases, I had clearly mentioned the need for funds for applying for a mortgage. This is causing me to be blocked from buying my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
XX/XX/year> This is a part XXXX to XXXX complaint. I asked XXXX XXXX XXXX to freeze payment while trying to dispute on XX/XX/XXXX and it was not done. Instead all was sent to central state recovery and no forms to appeal were offered or given to me when asked. I am very XXXX over this due to again this never being atempted to even collect a ballance with me, no summons, court anything. And fact it is a MEDICAL debt it was not supose to affect my credit ( it has ) it also is supose to be filed with courts and me have been given notice of that to just take my money from me just like would be done in a garnishment. This has been played out illegaly and I dont want to fight legal to get this handled but I will if this is not only removed from my credit and as if I am to be paying it but also all XXXX bucks of my state refund sent to me. This is fraud and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
ABSOLUTE RESOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CT

Complaint narrative:
There was an unrecognizable transaction on my card, that I know I didnt do. But like this bank do they always mark it as no error occurred. You can check the reputation of this bank they will always decline the dispute its like they know its fraud but them giving provisional credits will make them loose money, I seen so much reviews and XXXX stories of people always getting there dispute declined when its been fraud, The only thing I noticed of a resolution is them giving me better current fraud prevention thats the only thing but aside from getting my money back I didnt. I am so confident they know its fraud because soon as I was trying to use my card after the situation thats when I noticed they send a text message if its me making the transaction. This bank needs to be shut down or investigated. Receipt number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXXMIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Phoenix Recovery Group XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Immediate Action Required : Account Name and Number To Whom It May Concern : This letter serves as an official challenge to the alleged eviction reported by your company on my consumer report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s ), your company is legally obligated to ensure the accuracy, validity, and completeness of any information reported to consumer reporting agencies. I demand that you provide supporting documentation, including the original signed lease agreement, court judgment, and any communication that justifies this eviction. Failure to provide such documentation within 30 days constitutes a violation of my rights under 15 U.S.C. 1681s ( b ), which requires furnishers to investigate disputed information thoroughly. If you can not provide sufficient documentation, you are required by law to delete this account from my consumer report immediately. Noncompliance will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I expect your full compliance within 30 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/year>, XXXX dollars was stolen from me and I reported it as soon as I found out. I started with my bank XXXX XXXX but they ultimately were not obligated to refund me. I reported the theft to local authorities and the FBI and thats when I was told I needed to call Cash App because they were the ones that would be responsible. So I filed a claim in XXXX with Cash App and they told me they would get back to me in 10 days but they have not reached out to me once. I call them every two weeks or so to follow up only to be treated as if it never happened, answering all these questions time and time again and them having no clue or any notes, dealing with a new person every time. I ask to speak with management but they say they can only reach out to me by email and they NEVER do. You could check all my emails. They never reached out once. This has been going on for 3 months and theyre clearly trying to bury this and spin me in circles. They even open up new cases every time I call purposely making it difficult to find the original. I just called today as a final attempt and yet again I get someone one who has no clue whats going on, cant find the claim because they purposely open more, wont get me to upper management, and completely fails to address the problem entirely. These people are trying to get out of this and Im not going to let them. This shouldnt be legal. This is another form of theft and irresponsibility from a company thats supposed to be trusted with money but has open hole flaws all through out leaving ALL of their customers open to theft. They definitely need to be double checked and Im hoping the CFPB will.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I am submitting a complaint regarding XXXX ( PayPal, Inc. ), which has terminated or permanently restricted my account without providing a specific explanation. In their written response, XXXX stated that they monitor activity and do not disclose details about their internal systems. However, they did not identify any specific transaction, policy provision, or category of violation that applies to my account. I have been a compliant user and have not knowingly violated any term of service. I was not provided a clear reason for the action, nor was I given a meaningful opportunity to appeal or correct any alleged issue. The response I received was generic and did not address the substance of my inquiry. While I am currently able to transfer remaining funds via standard bank transfer, my account access has been permanently restricted without transparency. This prevents me from understanding whether the action was the result of an error, automated risk flagging, or a misapplication of policy. I am requesting that XXXX be required to provide a specific reason category for the restriction, identify the relevant policy provision relied upon, and confirm whether a substantive review of my account activity was conducted. I also request confirmation that no adverse information has been reported to any consumer reporting agency as a result of this action. I am seeking a fair review and a clear explanation of the basis for this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Citizen 's Bank has contacted me about this debt numerous times. I attempted to contact them, and have communicated with them many times to try and pay this. I logged into their website on several occasions to attempt to pay this. They had no record of it on the site. I used their help desk and their chat service and they told me they couldn't find my account. I also called their support line to try and resolve this. Many times I attempted to pay this and it was a dead end. Now I am receiving this bill from a debt collection service but I have tried and tried to pay this before it got to this. It is frustrating that I had tried to settle this with the website and through their support but they were unable to help. Now I have this letter.

Company response to consumer: Closed with explanation