vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I applied for the Bilt XXXX XXXX mid XXXX and was notified my card was delivered XX/XX/2026. I changed my address around this time and never received my card as a result. It wasnt until I had access to the digitial card through the Bilt Rewards app that I realized how misleading the rewards/cash system was. This led to seek closure of my account which I found to be incredibly difficult. I requested cancellation of my account XX/XX/2026 through the Bilt Rewards App, but received the following response A XXXX will join this chat as soon as possible. We're currently experiencing higher-than-usual volume, so response times may be longer than normal. After no response for XXXX days I messaged again on XX/XX/2026 for closure of my account. I was met with another response, We have received your message. You are currently in queue and your message will be answered in the order it was received. I requested closure of my account again on XX/XX/2026, XX/XX/2026, and XX/XX/2026 with the same response. I ended up calling a customer service phone number I found online on XX/XX/2026. I never received my card so I couldnt try calling the number that I presume would be on the back of the card. I was able to speak to a representative who informed me they couldnt close my account over the phone. I requested to speak to someone who could and was told those individuals could only be reached via the chat app that I have been messaging or via email. The representative was able to see the chat history and saw that I was receiving no response so he advised me to email XXXX and request closure of my account. I requested the representative to send the email on my behalf out of fear of getting no response again. He declined due to company policy. I then sent the following email on XX/XX/2026. Dear Bilt Support, I would like to close my bilt credit card account under the name XXXX XXXX. I have send numerous messages through the bilt chat and have not heard any response for weeks. I just want my account closed and would appreciate help in this matter. Thanks, XXXX XXXX After sending the email I informed Bilt I would file a complaint to the CFPB if I have not received a response by the end of the week. It is XX/XX/2026 and I have not heard from the company since. The card comes with an annual fee and I would like to close the account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally request an investigation regarding the forfeiture of Ultimate Rewards points associated with my Chase Sapphire Preferred credit card account. Prior to closing my account, I spoke with a Chase representative and specifically asked whether my rewards points would remain available for XXXX days after the account was closed. The representative assured me that the points would remain available during that time period. Based on this information, I agreed to close my account and enroll in a payment arrangement. After the account was closed, I logged into my account and discovered that all of my Ultimate Rewards points had been forfeited. These points represented more than {$1000.00} in rewards value. If I had been informed that the points would be forfeited unless the account was in good standing, I would have redeemed the rewards immediately before closing the account. On XX/XX/XXXX, I contacted Chase again and was informed that the original call would be reviewed due to the possibility that incorrect information had been provided. I was told that I would receive written communication regarding the outcome of that review. However, I have not received any follow-up communication, and during my most recent phone call I was informed that the call recording has not yet been reviewed. Because my decision to close the account was made in reliance on the information provided by the Chase representative, I respectfully request that the recorded call be reviewed as part of this investigation. I believe the recording will confirm that incorrect information was provided. For this reason, I am requesting that my forfeited Ultimate Rewards points be reinstated as a goodwill adjustment due to the inaccurate information provided by the representative. Thank you for your time and attention to this matter. I look forward to your response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I submitted a XXXX XXXX to Repayment application to the XXXX Department of Education on XX/XX/year> ( Case Number : XXXX ) related to my enrollment at the XXXX XXXX XXXX. My claim alleges that the school misrepresented employment outcomes, CPA eligibility requirements, career services, and the value of the program. I enrolled in a master's-level accounting and finance program with the understanding that the program would help qualify me to sit for the CPA exam and advance my career. After completing the program, I learned that the coursework did not provide the accounting credits necessary to meet CPA eligibility requirements. As a result, I was unable to pursue the professional certification that was represented as a likely outcome of the program. My XXXX XXXX application has now been pending for several years without a final determination. Despite multiple inquiries, I have received only automated status updates stating that the application is still under review. Because my application was submitted in XX/XX/year>, it falls within the timeline covered by the Sweet v. Cardona Borrower Defense settlement. I am requesting that the Department of Education provide a status update on my case and confirm that my application is being processed in accordance with the settlement timelines and borrower protection rules. I am requesting assistance from the CFPB in obtaining a clear response regarding the status of my Borrower Defense application and ensuring that my case is being handled appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account reported by Credit Collection Services on my credit report. The account being reported lists XXXX as the original creditor with a balance of approximately {$650.00}. I have disputed this account multiple times with the credit reporting agencies and requested proper validation of the debt. However, the account continues to be reported as verified without documentation being provided to support the investigation. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector must provide proper validation of a disputed debt and credit reporting agencies must conduct a reasonable investigation when a consumer disputes inaccurate information. I have not received documentation proving that I legally owe this debt or that Credit Collection Services has the legal authority to collect it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Issue Summary I am filing this complaint regarding a disputed transaction for an online purchase from XXXX that my bank has refused to properly resolve. What Happened On XX/XX/year> I made a purchase through the XXXX website totaling approximately {$210.00}. The merchant did not properly deliver the product or fulfill the order. I contacted the merchant multiple times and received communication indicating they were experiencing issues with their payment system. Because the merchant failed to resolve the issue or provide the product/refund, I filed a dispute with my bank, XXXX XXXX XXXX Despite providing documentation showing that the merchant acknowledged payment system issues, the bank has refused to issue a temporary credit or meaningfully investigate the dispute. I have contacted the bank numerous times ( approximately XXXX calls ) and have received inconsistent responses. Why This Is a Problem I believe the bank has failed to properly handle my billing dispute and failed to provide reasonable consumer protections for unauthorized or disputed charges. I have documentation supporting my claim, including emails from the merchant acknowledging payment issues. The bank has stated there is no guarantee I will receive my money back, which appears inconsistent with consumer protection standards regarding disputed transactions. What I Want I am requesting : A proper investigation into the disputed transaction A provisional credit while the investigation is pending Reimbursement of the disputed amount if the merchant can not prove fulfillment of the order

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
I have filed both an FTC complaint and a complaint with the State Attorney General against ONLINE Information Services XXXX XXXX, a debt collection agency reporting a {$300.00} collection account on behalf of XXXX XXXX on my credit report. The first violation is that I never received any written notice of this alleged debt before it was placed on my credit report. I only discovered this account after reviewing my credit report, and I have no knowledge of this alleged debt or what it is for. Under FDCPA 809 ( a ), a debt collector must provide written notice of the debt and the consumers rights within XXXX days of initial communication. This did not occur. After discovering the account, I formally requested proper validation of the alleged debt, but the company has failed to provide any documentation validating the debt. Despite my request, the company continues reporting the account to credit bureaus. These actions violate several federal laws including : FDCPA 809 ( a ) Failure to provide written notice of the debt FDCPA 809 ( b ) Continuing collection activity without proper validation FCRA 623 ( a ) ( 1 ) Furnishing information to credit bureaus without reasonable grounds for accuracy FCRA 623 ( b ) Failure to conduct a reasonable investigation after a dispute Metro 2 reporting standards, which require credit information reported to credit bureaus to be accurate, complete, and verifiable Because of these violations and the companys failure to comply with federal law, I am prepared to pursue legal action for violations of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding a refund owed to me following the discharge of my federal student loans due to VA XXXX. My federal student loans serviced by Aidvantage were discharged on XX/XX/XXXX, based on my VA XXXX determination. The effective date of my XXXX is XX/XX/XXXX. Based on the rules governing XXXX discharges, payments made after the effective XXXX date are eligible for refund. Despite the discharge being processed, I have not received the refund for payments made after XX/XX/XXXX. I have contacted Aidvantage on several occasions to request a status update but have not received a clear response or timeline regarding the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My Email Addresses, my Bank Account Information, My ID Information, My Telephone numbers, My Parents Names, My Physical Addresses, My IP Addresses, My Gender, and my Geographical Location was all leaked within 10 different Data Breaches.

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 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I found a loan on my TransUnion Credit report that I have no knowledge of with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for $ XXXX and in default. I have submitted XXXX requests with TransUnion to remove this report ( on XX/XX/year>, XX/XX/year>, and XX/XX/year> ). In each case they " verified the information as accurate '' with no further information ( it is not ). I also talked with XXXX and notified them of my identity fraud on XX/XX/year>. In that conversation, they stated the loan was for " tires and wheels '' in XXXX I live in XXXX and have not been to XXXX To date, this information is still on my credit report, which is otherwise perfect ( I work hard to keep it that way ). At this point none of these institutions are offering any help or alternatives. NOTE : this is listed as a secured consumer loan, but I could not find a proper category on your website- so I did the best I could to classify 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 2026-03-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: PA

Complaint narrative:
On or about XX/XX/year>, I paid ATG XXXX to payoff my outstanding debt from XXXX bank. I have never received any documentation from this company as requested as proof the debt is paid in full. I am requesting paper work to show this debt is paid in full.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Couch Lambert LLC
State: AR

Complaint narrative:
On XX/XX/year>, a lawsuit was filed against me by Couch Lambert LLC in XXXX XXXX XXXX, Case No. XXXX, for a debt originally owed to XXXX XXXX XXXX in the amount of {$4100.00}. I was never formally served with the lawsuit. I only became aware of it through solicitation letters from attorneys who saw the public court filing. I sent a formal debt validation request to Couch Lambert LLC at XXXX requesting proof of ownership of the debt, a copy of the original credit agreement, and a complete account statement. I sent the initial email followed by a follow up email and left a voicemail at XXXX. As of today, Couch Lambert LLC has not responded to any of my attempts to contact them. Under the Fair Debt Collection Practices Act, I have the right to request debt validation and receive a response. Their failure to respond while an active lawsuit is pending against me has left me without the ability to properly dispute or negotiate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Company : Citizens Bank , N.A. I am a former customer of Citizens Bank. I held two accounts at this institution : Savings Account No. : XXXX Checking Account No. : XXXX Registered address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Both accounts have been closed. I am now required to submit mandatory financial disclosures to the XXXX XXXX XXXX XXXX regarding foreign bank accounts held during calendar year XXXX. To comply with this legal obligation, I need official account statements for XXXX and a formal account closure confirmation letter. When I contacted Citizens Bank by phone, representatives stated they have no records of my accounts. Online banking access has been disabled. The bank has not provided any alternative method to obtain my records. Under the Bank Secrecy Act, financial institutions are required to retain customer account records for a minimum of five years. Citizens Bank 's failure to provide access to these records prevents me from fulfilling a legal reporting obligation. I respectfully request that the CFPB direct Citizens Bank to : 1. Locate and retrieve records for the accounts listed above 2. Provide official monthly statements for XXXX XXXX ( or through the date of closure ) 3. Issue a formal account closure confirmation letter including the date of closure and final balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I made purchases totaling {$230.00} at Kohls using my Social Security number and identification because my previous Kohls charge card was no longer usable. I later learned that Kohls accounts had transitioned to Capital One credit cards, which required a new card to be issued. Because I had not yet received the new Kohls Capital One card, I was unable to activate or access my account online to view my statement or make payments. The card did not arrive until XX/XX/XXXX, at which time I was finally able to log in and access the account. When I accessed the account, two late fees totaling {$69.00} had already been assessed during the period when I did not have the card or online access. These fees also pushed my balance {$6.00} over the {$300.00} credit limit. Customer service has already waived one late fee totaling {$40.00}, but both fees arose from the same issue : the delay in receiving the new card after the transition from the Kohls charge card to the Kohls Capital One card. During my call with a supervisor regarding the second late fee totaling {$29.00}, I explained the circumstances surrounding the account conversion and the delay in receiving the new card. When the supervisor refused to waive the second fee, I stated that I was considering closing the account because I felt the situation had not been handled fairly. Rather than attempting to further review the issue or work toward a resolution, the supervisor immediately proceeded with initiating the account cancellation process. My statement about closing the account was intended to emphasize the seriousness of the situation and my request for reconsideration, not to request immediate cancellation without further discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I had over {$2200.00} of fraudulent charges to places that I didnt authorize and Cash App decided to close my account because of my dispute claiming that I violated guidelines but they wouldnt tell me what said guidelines were. All I was trying to do was get my money back on those disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing this complaint because Truist Bank closed my savings account after I deposited XXXX checks from XXXX different companies. After the account was closed, I contacted these companies, and they provided all the requested documents. I submitted all the documentation to Truist Bank as requested, but nothing has been resolved so far. More than XXXX days have passed since my account was closed, and I have not received a clear explanation for why my account was closed or what happened to the funds from the checks I deposited. Today, I contacted the bank again and was told that I must wait for a letter to arrive in the mail, without any specific timeline or concrete solution to the problem. I am concerned because the money from these checks belongs to me, and I still do not have access to these funds nor have I received an adequate explanation. I request that Truist Bank provide a clear explanation for the closure of my savings account, clarify the status of the deposited checks, and provide access to or return my funds as soon as possible.

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 2026-03-15 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:
I am requesting that the Consumer Financial Protection Bureau hold LVNV Funding LLC responsible for reporting inaccurate and unverifiable information on my credit report. I have already filed complaints with the Federal Trade Commission and the State Attorney General because this issue has been ongoing for months without resolution. LVNV Funding LLC is currently reporting XXXX separate accounts on my credit report as charge-offs, including LVNV FUNDING Account No. XXXX Charge-Off {$720.00}, LVNV FUNDING Account No. 1222 Charge-Off {$830.00}, and LVNV FUNDING Account No. 1726 Charge-Off {$1200.00}. The first major issue is that I never received written notice of any of these alleged debts before they were placed on my credit report, which is a violation of FDCPA 809 ( a ) requiring debt collectors to provide written notice of the debt and the consumers rights within XXXX days of initial communication. I only became aware of these accounts after reviewing my credit report. The second major issue is that LVNV Funding is reporting these accounts as charge-offs, even though LVNV is a collection company, not the original creditor. Charge-offs are accounting actions taken by the original creditor, which raises serious concerns regarding the accuracy and legality of the reporting under XXXX XXXX reporting standards. I conducted my own research, and it appears that many consumers have reported similar issues with LVNV Funding failing to properly validate alleged debts while continuing to report them. Despite my request for proper validation, LVNV Funding has failed to provide the documentation necessary to prove these debts are legitimate.

Company response to consumer: Closed with explanation