vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: TX

Complaint narrative:
I disputed a transaction involving Sezzle after services connected to XXXX XXXX were not rendered. Before escalating the matter, I contacted Sezzle directly and provided supporting documentation showing that the airline services were not provided, including evidence related to XXXX XXXX ceasing operations. Despite receiving this documentation, Sezzle did not meaningfully respond or resolve the matter within several business days. I then disputed the transaction through my bank, XXXX, which issued a temporary credit. I also revoked authorization for further debits and requested a stop payment. After the dispute and revocation of authorization, Sezzle attempted to process another charge for the same amount using altered payment processing/account details. This occurred while the matter was already under active dispute investigation. Due to concern over continued unauthorized debit attempts, I was forced to close my debit card and request a replacement through my bank. I am requesting review of Sezzles billing and collection practices related to disputed transactions and post-revocation debit attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have been a Wells Fargo customer for over 40 years. They keep trying to push me to paperless statements through very deceptive processes including when I log in to my online account, they present " paperless '' defaulted to be selected and try to trick me into submitting agreement to paperless. I have consistently, over and over and over and over and over de-selected the paperless check marks and they still month after month present me with this same trickery. Then on XX/XX/year>, they just proactively moved me to paperless without my permission via two emails. One for my checking account and one for my savings account. The email stated they were moving me to paperless ( digital only ) beginning with the XX/XX/year>XXXX statement date. This - despite consistently telling them " no ''. They don't " remember '' me wishing paper statements and keep over and over and over harassing me to go paperless.... then they didn't even ask they just pushed me to it. I live XXXX miles from the nearest branch and have made three trips to the XXXX, VA branch over the past 8 months to try to get them to stop doing this to me. I will not EVER agree to paperless - and I have very good reasons why I will not go paperless. XXXX XXXX XXXX should not have the authority to absolutely non-stop harass customers in this way. Every single time, it creates a lot of inconvenience and frustration for me. Why are they allowed to do this? It's not right.

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 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
XXXX Attempted to access our savings account at TD Bank that my family has held throughout many transfers in my military career ( TD Bank XXXX CT Location ). Was informed that the account was in the process of escheatment and that should reach out to the TD Bank XXXX Department to stop transfer or wait until the funds were claimable to the PA Treasury Unclaimed Property but nothing could be done from the branch office itself. No notification was received by my wife or I, the account holder ( Mail, Email, or Phone call ) from TD Bank prior to the surrender of the savings account ( XXXX + ). Immediately reached out to the TD Bank XXXX Department - was placed on a call hold for XXXX minutes. called again and spoke with customer representative supervisor who claimed they would email the department with my contact information ; No reply received. Reached out via phone call to PA treasury XXXX XXXX who stated that this account and its funds were not yet in the comptroller 's system. Reached out to a victims advocate associated to my military service and was directed to obtain contact information for their law department so they could engage TD Bank on my behalf. XXXX Attempted to contact TD for this information but was again pushed to the XXXX Department for assistance. Was on hold for over XXXX hours before a customer service representative finally answered but was not associated to the XXXX Department. Spoke with an additional supervisor who provided me with an email ( no phone number ) for the XXXX XXXX department XXXX TD Bank for my lawyer to contact. XXXX Email was drafted and sent by my service legal office with no reply to date ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I am extremely disappointed with my XXXX XXXX credit card experience. I paid off my credit card balance based on the amount shown on the billing website, believing my account was paid in full. I am now being charged an additional {$87.00}. When I spoke with a supervisor, I was told there was another button on the website related to interest. However, that button was not visible or clearly available on the billing page, and I have a screenshot to support this. As a customer, I should be able to rely on the balance displayed on the official billing website when making a payment. This situation is unacceptable and misleading. Although I was told my account would be zeroed out, this has already affected my credit score, which is extremely concerning. I believe this issue should be corrected immediately, including removal of the {$87.00} charge and any negative credit reporting associated with this matter. Based on this experience, I would not recommend anyone do business with XXXX XXXX or use their credit card services unless they improve transparency and customer protections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc.
State: SC

Complaint narrative:
Attempted to contact me personally at least XXXX XXXX in XXXX XXXX. Also contacted family members asking for personal information. Requested company to provide original creditor account info as I do not recognize this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX regarding restricted access to my account and funds. XXXX attempted to verify my account using an outdated phone number that I no longer use, preventing me from accessing my account and withdrawing approximately {$10000.00} of my own money. I updated XXXX that the listed phone number is no longer active, but support access inside the app appears blocked or restricted, making it extremely difficult to resolve this issue. The delays, lack of proper assistance, and inability to access my funds have caused severe stress and financial concern. I am requesting immediate restoration of account access, removal of any unnecessary restrictions, and prompt release of my funds. I also request a formal review of XXXX customer service and account restriction practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, a server arrived at my residence to drop off and delivered a six-page document from the law firm XXXX XXXX XXXX which stated : YOU HAVE BEEN SUED. You have the option to hire an attorney to assist you in defending against this LAWSUIT. YOU OR YOUR ATTORNEY must submit an answer to the court, and your response is required by the end of the XXXX day following the date you received these documents. ..... A DEFAULT JUDGMENT MAY BE ENTERED AGAINST YOU. PLEASE REFER TO THE ATTACHED DOCUMENT. I contacted XXXX XXXX as they indicated that this is a debt for which I am required to pay {$3500.00}. This is not my debt, and the firm, represented by XXXX at XXXX XXXX XXXX demanded payment citing a requirement to appear, with a monetary relief claim of {$20000.00}. I do not owe any debt to Portfolio Recovery Associates. The address listed is incorrect ; it indicates a XXXX XXXX, which is associated with my neighbor who has XXXX front doors. Additionally, the letter incorrectly spelled, omitting the 'XXXX " at the end. This is a falsification. I contacted Portfolio Recovery Associates today, XX/XX/XXXX, and spoke with XXXX, # XXXX, during a recorded conversation. She requested my name and address, which I provided. She then asked for my date of birth and Social Security number, to which I responded that I refuse to disclose such information. HOW DARE THEY request my personal details! I instructed XXXX to send me validation of the debt via email, as I will be submitting proof of validation to the company after she confirmed the email address : XXXX. I require this proof by the end of the day due to the threats I am facing from the law firm XXXX XXXX, which is demanding a swift resolution of the {$3500.00} debt that I refuse to pay because it is not mine. PLEASE SEE THE ATTACHED LETTER. HOW DARE THEY threaten me with a lawsuit! Immediate action must be taken, or this agency Portfolio Recovery XXXX. must compensate me {$3500.00} along with an additional {$1000.00}. While they are engaged in class actions attempting to recover the ongoing lawsuits regarding false debts, their actions against me are illegal and infringe upon my rights. I am being threatened by the law firm XXXX XXXX to settle a debt within 14 days from XX/XX/XXXX, accompanied by a citation demanding payment of {$20000.00}. As this lawsuit is directed at Portfolio, they must provide my evidence by tomorrow, as I will be out of town this weekend and unable to visit the courts by next week or pay the amount of {$3500.00}.. Alternatively, they should pay me the full amount of {$3500.00} plus an additional {$1000.00} it debt isnt proven by XX/XX/XXXX. It is outrageous that they pursue action for a fabricated in less than 2 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The account is so old. I want it clear because I did not make the transactions or withdrawals. It is over {$7000.00} in the negative but I did not do this. My account was new.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing this complaint against American Express for repeatedly and wrongfully denying my billing dispute despite clear photographic evidence that I received the wrong item. On XX/XX/year>, I purchased one pair of XXXX XXXX XXXX sneakers in Size XXXX from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$130.00}. The merchant 's own invoice confirms I ordered Size XXXX, XXXX XXXX. What I received were two MISMATCHED shoes one size XXXX and one size XXXX. This is not a matter of dissatisfaction. I did not receive the product I ordered. I have photographs clearly showing the two different sized shoes. I have disputed this charge multiple times with American Express ( XXXX XXXX. XXXX, Transaction ID : XXXX ). Each time, American Express has denied my dispute with the same response : that I made the purchase, that it was delivered, and that I agreed to the merchant 's refund policy. Not once has American Express addressed the actual issue that I received mismatched shoes, not the matching pair of Size XXXX sneakers I ordered. The merchant 's own chargeback response to American Express lists the dispute reason as " Not as described '' which is precisely correct. Yet American Express sided with the merchant anyway, ignoring my photographic evidence entirely. The merchant 's own refund policy states they will " make it right '' if a customer receives the wrong item. They have not done so. This appears to be a XXXX dropship operation that routinely fulfills orders incorrectly and relies on the chargeback process to avoid accountability. Under the Fair Credit Billing Act ( FCBA ), I am entitled to a chargeback for goods that are not as described. American Express is failing to uphold this right. I am XXXX year American Express cardholder who has spent hundreds of thousands of dollars with this card. I am requesting that the CFPB require American Express to : 1. Reopen this dispute and properly review my photographic evidence 2. Issue a full credit of {$130.00} to my account 3. Provide a written explanation addressing the mismatched shoes specifically I have also sent a formal written escalation letter to American Express via certified mail. Account ending : XXXX Dispute Reference : XXXX Transaction ID : XXXX Transaction Date : XX/XX/year> Amount : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against Spring Oaks Capital LLC regarding inaccurate and unverifiable debt collection reporting on my consumer credit file. The company is reporting a collection account in the amount of {$610.00} and claims ownership of an alleged debt. However, they are not the original creditor and have refused to provide competent evidence that they legally own, purchased, or were assigned this debt. Despite my requests, the company has failed to provide : A signed original contract or agreement Chain of title proving lawful ownership/assignment Complete accounting records Documentation bearing my signature Proof of authority to collect The continued reporting and collection of this account without proper verification appears to violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including furnishing inaccurate or misleading information and attempting to collect a debt without validating ownership. Additionally, the account appears to be reported in a misleading manner regarding dates, status, and ongoing balance updates despite insufficient verification. I request that the CFPB investigate : Whether the company has lawful ownership of the alleged debt Whether the reporting complies with FCRA requirements Whether the company can produce competent evidence of contractual liability Whether inaccurate or misleading information is being furnished to consumer reporting agencies If the company can not provide proper validation and lawful proof of ownership, I request immediate deletion of this account from all credit reporting agencies and cessation of collection activity. Thank you for your assistance and investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I've been getting repeated phone calls from Truist about my account being overdrawn.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
XXXX submitted a charge back to credit karma and chime because my account was miss charged XXXX I'm both my credit car my and my chime account. I send in all the information to credit karma and chime Show them that no KYC was ever done, so no verification was ever made that the. Web sites Are currently being sewed for fraud miss using Could XXXX greed with my evidence and issue me my charge back without an problem. But chime gave me a temporary credit and then took it all back. I can tell right now that absolutely no do. XXXX was done at chime. No one looked into it and won't even care. They just gave AD appropriate among time and then decided against it. I was also able to look up the time. It's in court quite a bit because of the XXXX people charged back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was issued a refund of {$87.00} to a recently cancelled debit card. Bank has not posted the refund in a timely manner. Bank has had similar gaps in its processes and technology in the past. Bank is instructed to process refund promptly ; no further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: GA

Complaint narrative:
MIDLAND 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 2026-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data Search Collection, Inc
State: NM

Complaint narrative:
On XX/XX/XXXX at XXXX this number ( XXXX ) XXXX called me as a recording stating that I had a {$210.00} debt from XXXX XXXX in XXXX, XXXX. It asked if I would like to pay this debt or to be transferred to an agent. I transferred to an agent and a woman did not tell me her name and could not verify collections name but said I had an outstanding balance of which they are trying to collect. She said outstanding balance of {$1300.00} at first and I asked her if she can tell me what it was for. She stated that it was for multiple visit, each visit that I was actually there for from XXXX. She had all of my information including my mailing address, DOB, and phone number. I told her I would contact XXXX to confirm this. She said ok have a better day and hung up on me. The name of the collection agency is called " The Business Company ''. I contacted XXXX and they stated I did not have a bill. They said to report this call. I called the number back and they stated they are the XXXX XXXX XXXX XXXX she told me to email proof of payment to XXXX or call ( XXXX ) XXXX. I told her that is not the number youre calling me from it says youre calling me from XXXX, XXXX. She said no I'm calling from XXXX XXXX XXXX. This is the address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
This Has to do with billing. I am an XXXX XXXX senior citizen. I pay my bills when I receive them in the mail. I have a very precise routine to pay my bills, very simple. I receive a bill in the mail, I open it and set it on my desk. When my SS check is deposited I set at the computer and pay my bills. XXXX them paid, file and move on. XXXX XXXX sent me to collections after not sending me a bill for XXXX months. They claim that I am on paperless billing so e-mails were sent, I am not on paperless billing according to my acct. I had to use my medication money to pay that bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
My Barclays ending in XXXXissued XXXX XXXX credit card was scheduled to transfer to XXXX on XX/XX/year>. Since the transfer date, XXXX states it has no record of my account or social security number, while Barclays states the transfer can take up to two months. I currently do not have access to a functioning credit card account despite being an existing customer in good standing. Repetranated attempts to resolve this thought customer service have failed. I am requesting immediate investigation, restoration of account access and confirmation of the status of my transferred 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 monetary relief