vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing regarding a serious issue with my credit card account. A suspicious bank payment was made on my account that I did not authorize, and as a result, my account has been restricted. Despite verifying my personal bank information that has been on file, the restriction remains. This situation has caused me significant financial hardship, making it extremely difficult to purchase basic necessities such as food and other essential items. I have been a loyal customer for over XXXX years, and it took XXXX separate calls with different agentseach time being told to call back in XXXX hourswithout any real resolution. This has been the worst customer service experience I have had, and I am requesting an immediate review and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Conduent Incorporated
State: NY

Complaint narrative:
I have been trying to transfer funds off of my way2go card for several weeks now. Over the time span of XX/XX/year> through XX/XX/year>. I have tried to transfer the funds through the mobile app and through their customer service line. Each time they said the transaction was approved however, within XXXX business days the money would be back on the card. I have tried numerous times to reach a customer service agent, I have not been successful. I was able to successfully transfer over funds from the way2go card to my bank account XXXX times in the past. Since then though I have been unsuccessful transferring my money no matter the amount or route I use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
that is unverified and does not belong to me. Since then, I have been subjected to relentless harassment from multiple collection agencies using various tactics, including threats of legal action. As a law-abiding citizen, I find this situation deeply insulting and a blatant violation of my consumer rights. The stress caused by this experience has significantly impacted my XXXX XXXX, resulting in XXXX nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc.
State: AK

Complaint narrative:
b'THE NERVE OF YOUR COMPANY NOTICE FOR REQUEST OF \nCERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE \nAND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS \nDEFAMATION COLLUSION AGGRAVATED IDENTITY THEFT COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE I HAVE NO BUSINESS WITH YOUR COMPANY XXXX TRUST VIOLATION \n\n I NEVER GAVE CONSENT TO USE XXXX XXXX IN COMMERCE WHO ARE YOU \n XXXX PLAINTIFF: XXXX XXXX \n DEFENDANT: BOUNCE AI, INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n XXXX number: XXXX \n RE: ALLEGED ORIGINAL CREDITOR? ACCOUNT NUMBER: XXXX ALLEGED DEBT AMOUNT OR BALANCE $? \nCERTIFIED MAIL# XXXX XXXX XXXX XXXX XXXX XXXX \nDEAR: BOUNCE AI, INC. BULK- DEBT COLLECTOR STOP VIOLATING THE FDCPA USC 1692D XXXX XXXX XXXX XXXX XXXX XXXX: I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE \nTHIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. \nACCORDANCE TO 15 USC 1681s-2(a)(7)A(i) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM \nRESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP \nHARRASSING THIS LIVING WOMAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT: XXXX XXXX IN COMMERCE. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED TO COMMON LAW. . UNDER FEDERAL LAW : Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC , 13-2026, 2014 WL 3440174 (6th Cir. July 16, 2014), and 15 USC 1692g(b), you are required to cease and desist from collecting upon the debt (including contacting a debtors credit) until you properly validate and verify the debt amount and contact with remedy. \nXXXX: I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I \nREVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE- \nLISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY \nATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE&DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES \n(CRAs) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS \nREQUEST ABOVE IN XXXX XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED \nDEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE \nCONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORZED TO FULLY \nINVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF \nYOU FAIL TO COMPLY WITH THIS LETTER; I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY \nALSO YOU MAYBE SUED BY THE CFPB. ABRUPTLY, .XXXX. Living Woman UCC1-308 WITHOUT \nPREJUDICE without recourse BENEFICARY OF acct: XXXX XXXX NOT THE TRUSTEE'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XXXX XX/XX/year>, Comenity Capital Bank received my payment for a bill due on XXXX XX/XX/year> for a credit card. On XXXX XX/XX/year>, I noticed the payment had not been processed yet by the bank.I called them and was advised that the check may have been lost in the mail or pending processing at their mail center. I was told I'd have the interest and late fees reversed. I hung up, put a stop payment on the lost check, and paid the balance online. On XXXX XX/XX/year>, Comenity processed the check that was previously thought to have been lost in their processing center or in the mail. On XXXX XX/XX/year>, I saw that they processed the check that had a stop payment on it and that the interest and late fees had not been reversed. I called and was advised that because they processed the check on XXXX XXXX they could not reverse the late and interest fees regardless of when the check was actually received by them. They advised it generally takes XXXX weeks to process a check after receiving it. I argued that if they received the payment on XXXX XXXX, XXXX days before the due date, then I should not be charged late fees and interest, but was again told that it only matters the day they process the payment, not when it was received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
While I was not seeking a refinance, XXXX XXXX called me on XX/XX/year> at approximately XXXX PM, from Fifth Third Bank, the current holder of my mortgage. He spent some time listing to refinance options, to which I repeatedly replied that I currently don't have any money to use to pay fees or buy points. He then stated that he had XXXX options for refinancing without any out-of-pocket expenses, and gave brief overviews to them. He then asked if much has changed since I originally secured the mortgage from Firth Third bank. At the end of the call, he said he would send over more detailed information about the options he could offer. - At no point during the call did I provide my social security number or consent to a credit pull. - At no point during the call did he mention he would need to pull my credit to provide the details offers to me. - My wife was not on the call After the call ended, and before he sent over any information, he pulled the credit reports of both myself and my wife. Subsequently, he sent over information that bared little resemblance to the options he described. I emailed XXXX XXXX on Thursday XX/XX/XXXX, asking for contact information for his supervisor. He did not respond to that email. I then called Fifth Third on Friday, XXXX, XX/XX/XXXX at approximately XXXX AM, seeking to speak to someone in their compliance department. Unable to reach anyone initially, I eventually connected to their complaint department, and was subsequently forwarded several times, and explained the situation to several people. This process took approximately an hour, and by the end of the call, someone from the mortgage department promised to call me back. When no one returned my call, I sent an email to XXXX on Wednesday, XX/XX/XXXX, explaining that I didn't feel like my time was being valued since it took so long to get through the phone tree. I explained that I needed a call from someone by the end of the day, or I'd be putting in a complaint with the CFPB. XXXX responded to that email several minutes later explaining he thought the issue was resolved. No one contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: U.S. BANCORP
State: IL

Complaint narrative:
XXXX charged my US Bank debit card {$20.00} on XX/XX/year>. I called U.S Bank immediately when I saw the pending withdrawal to dispute the transaction however US Bank still allowed the transaction to proceed deducting the {$20.00} from my checking account on XX/XX/year>. I have never ever used any XXXX services ever. I have tried to resolve this matter with both US Bank and XXXX to no avail. XXXX says someone will contact me but the only contact me with artificial intelligence that have a terrible lag time so bad that I have given up trying to use this horrible service. Again I have never used any XXXX XXXX.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened an account XX/XX/year>. The bank closed XXXX account for alleged verification issues. I have not only not been able to proceed with opening the account, but Truist has still not issued me my funds. I have spent extra time and money submitting documents for this matter and have not had any correspondence since XXXX of XXXX have visited the branch over XXXX times and have called countless times. The only time I have got any feedback is through complaints filed by reporting agencies. This is taking a toll on myself and my business.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am submitting this complaint regarding U.S. Bank 's decision to close my account and potentially withhold approximately {$150000.00} for up to 30 days under a 'risk review ' process. The funds in question originated from my mother 's U.S - based business bank account. My mother recently sold her business. Due to her current inability to enter the United States ( she is presently in XXXX ), she issued a check from h er business account to me so that I could receive and manage the funds on her behalf. I deposited this check into my personal U.S Bank account. Shortly thereafter, I was informed that my account was under risk review and would be closed. I was further advised that the closing process could take up to 30 days, during which access to the funds may be restricted. I fully understand and respect the bank 's obligation to conduct compliance reviews. I am willing to provide supporting documentation, including : - Documentation related to the sale of my mother 's business - Busioness bank statements showin gthe check inssuance. - Proof of my mother 's business ownership. - A written explanation confirming the nature of the transfer However, I have not been clearly informed what specific documentation is require, nor have I been p [ rovided a reasonable option for partial release of funds. This situation is urgent because I am permanently leaving the United States next week. I've been canceled the ticket before due to the delay from the bank. Access to these funds is critical for my relocation and financial stability abroad. I am fully prepared to cooperate and provide any reasonable documentation necessary to resolve this matter promptly. Thank you for your assistance.

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have been using cash app since it first came out. I work XXXX jobs and I have my XXXX job direct deposit going to my cash app account. This year I decided to get my tax refund sent to my cash app because with cash app it usually comes quicker. I received my tax refund and went to XXXX a down payment on a vehicle. The next day I brought groceries and food and everything was fine. I went to bed. The next morning I wake up to send my niece birthday money and I see my account has been closed. I go to my email and see that my account was closed at XXXX am in the morning. I have been writing, calling, and chatting with support but have yet to receive a clear explanation. When I received an answer back XXXX bot said we closed it for security reasons, I offered to send license, a picture of me with my cash app card, and my new address because I wasnt sure if me changing my address in the app is what triggered it. Then the next time I reached out it said it was closed because of gambling. I don't gamble at all. I really need my cash app account as the borrowing allows me to stay afloat some months when i have unexpected expenses and it would be foolish to mess up an account that i also have a direct deposit going to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: VA

Complaint narrative:
Since XXXX of XXXX I've been trying to get my tax return that was sent to my cash app account that I don't have access to due to my account being locked and closed the amount of funds in my account is about {$6600.00} and I've proved my identity, as well as contacted the irs and the tax advocate services and everything was done correctly on their end. So not cash app is still withholding my money. And as of XX/XX/XXXX I'm in a financial hardship and eviction could possibly be imminent within the next XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax for reporting inaccurate and unverified information on my credit report. Charged-Off Accounts Being Disputed XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$420.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX {$0.00} I am requesting validation of these accounts, including : Original contract or signed agreement Complete account-level payment history Documentation supporting charge-off status Verification of balance accuracy If Equifax can not verify these items with proper documentation, they must be deleted pursuant to the FCRA. Inquiry Being Disputed XXXX XXXXXX/XX/XXXX I am requesting proof of permissible purpose. If Equifax can not provide documentation showing I authorized this inquiry, it must be removed. Late Payment Being Disputed XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
My mother handed me a check to help pay down debt for {$11000.00} on Sunday XX/XX/XXXX. ( hoping to buy a house soon ). I mobile deposited it that day at XXXX XXXX XXXX ( through the app ). Theyre now ( XX/XX/year> ) saying it was a fraudulent check ( from my own mothers checkbook, no less ) that my account will be closed but the money is set to leave my moms account, and they refuse to tell me anything about where the funds are headed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My mother open the account fraudulently under my name awhile ago. As well as internet bills that I recently got removed and disputed. I have emails of all disputes, but for some reason the account at CAPITAL ONE is still open

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: TN

Complaint narrative:
CREDIT COL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COL 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