vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am XXXX XXXX. U.S. Bank has effectively frozen my access to my funds after closing or restricting my account shortly after I disputed a transaction. 

Timeline and facts : 1. My U.S. Bank debit card was declined for a transaction. Despite the decline, the transaction later cleared/posted and then settled. 
2. I disputed the transaction because it cleared after the card was declined. The dispute/claim was later approved and the transactions have settled ( I can provide documentation ).

3. Shortly after the dispute activity, U.S. Bank closed and/or restricted my account. The bank has not clearly stated an official reason, but the timing is suspicious and appears retaliatory or otherwise improper.

4. U.S. Bank is now refusing to allow me to access my own funds. I have repeatedly requested an explanation, a release date, or a method to transfer my funds out. They refuse to provide clear information. 

Customer service failures : A customer service representative told me to go to a branch with my ID to access funds. I did so, and the branch refused to assist or release funds. 
Another representative stated they would help transfer my funds, then abruptly hung up during the call. 
Multiple contacts have resulted in conflicting instructions and no resolution. I have not been provided a written explanation of the restriction or a timeline for when I will regain access to my money. 

This is unacceptable. U.S. Bank is holding my money XXXX without transparency, without a clear process to access the funds, and without a reasonable timeframe. I need immediate access to my funds or immediate transfer of all remaining balances to an external account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> Address : XXXXXXXX XXXX XXXX XXXX XXXX  SC XXXX SSN ( last 4 ) : XXXX FORMAL NOTICE OF DISPUTE & DEMAND FOR DELETION I dispute this account due to unlawful reporting and lack of validation. 

VIOLATIONS 1. Unverified Reporting No reasonable investigation has been documented, violating 15 USC 1681s-2 ( b ).

2. Failure to Provide Debt Validation Violation of 15 USC 1692g and 12 CFR 1006.34 ( d ).

3. Incomplete Reporting Missing disclosures and inconsistent dates violate 15 USC 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
This collection agency has falsified the date that the account I had opened with XXXX XXXX XXXX XXXX was opened and they are stating this account was opened in XX/XX/year>. This is false this account had already gone past 7 years and should have fallen off my credit report but this company bought the account and is falsifying the info to try and keep the collection open still. This a violation of rights and they should face prison time for falsifying information to make look like they are collecting a current debt when this account is already going for 10 years since it was in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Date Name XXXX Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( XXXX XXXX XXXX Sec. XXXX ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of XXXX  days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I booked a two-night hotel stay at XXXX XXXX XXXX XXXX, XXXX through Capital One Travel ( powered by XXXX  ) for {$570.00}. Check-in was XX/XX/XXXX, check-out XX/XX/XXXX. 
When my travel companion and I arrived at XXXX XXXX on XXXX, the hotel was completely locked behind an electronic turnstile with XXXX staff on-site. Between XXXX and XXXX PM, I sent multiple XXXX messages and made XXXX phone calls to the hotel all unanswered. The hotel 's automated reply confirmed customer service hours were only XXXX XXXX XXXX. I also called Capital One Travel support and was on hold for approximately one hour before the call was disconnected. 
The hotel responded at XXXX XXXX  the next morning 12 hours later claiming no reservation existed under my name and that I needed to complete an " online check-in. '' No check-in instructions or access code were ever sent by the hotel or Capital One Travel . I could not access the room at any point during the reservation. 
I filed a dispute with Capital One ( XXXX XXXX ). The merchant 's own records ( page 6 of their dispute response ) admit I " arrived at the property to find it completely locked with no staff available to assist. '' Yet they simultaneously claim the reservation was " fulfilled. '' I submitted evidence including XXXX screenshots, a photo of the locked entrance, and the booking confirmation. On XX/XX/XXXX, Capital One closed my case stating my response " lacks all of the previously requested information '' without specifying what was missing. When I called to ask, the representative could not tell me. 
The hotel 's own published cancellation policy states deposits are non-refundable only for reasons " not the direct responsibility of XXXX XXXX XXXX. '' A locked, unstaffed hotel that never sent access credentials is the hotel 's direct responsibility. Under the FCBA, charges for services not delivered as agreed are billing errors regardless of cancellation terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have disputed 3 late payments with capital one. These payments were all initiated before the dues dates but posted late due to usps delays. Capital one has failed to correct the errors after my dispute. The incorrect late payment should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am disputing an unauthorized charge from XXXX XXXX XXXX ( Account # [ XXXX ] ) totaling $ [ XXXX ]. While I was a user of the cell and XXXX XXXX under the impression that an account was being established by my ex-husband, I was never informednor did I authorizethat the account would be opened in my name or linked to my credit. This situation is the result of a clerical error by XXXX XXXX XXXX during the account setup process, where my personal information was incorrectly used as the primary account holder without my consent. I filed a formal dispute through XXXX, which was completed on XX/XX/year>, yet XXXX XXXX XXXX incorrectly verified the debt as my legal responsibility. I have since obtained written confirmation via text message from my ex-husband, the individual who initiated the account setup, stating he does not recognize these charges. I did not sign any service agreements or authorize a credit pull for this account. I am requesting that XXXX XXXX XXXX  correct their records to reflect the intended account owner and remove these charges and any associated negative remarks from my credit report immediately.

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 2026-02-16 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am disputing a {$530.00} charge on my PayPal Credit account related to a XXXX purchase. The item was a suit purchased on XX/XX/year>, for a specific event on XX/XX/XXXX. Before the item shipped, and while it was still in XXXX possession for authentication, I contacted both the seller and XXXX multiple times in writing and clearly stated that the item must not be shipped if it could not arrive by XX/XX/XXXX. 

XXXX delayed the item in their authentication center for several days, making on-time delivery impossible. Despite my written instructions not to ship under those conditions, XXXX shipped the item anyway. The suit was delivered on XX/XX/XXXX, after the event date, and was unusable for the purpose it was purchased for. 

I provided PayPal Credit with screenshots showing my advance do not ship instructions and the delayed shipment timeline. Despite this evidence, the dispute has repeatedly been closed in the merchants favor without a clear explanation, and without acknowledging that shipment occurred after my authorization was withdrawn and while the merchant still had control of the item. 

I am asking for PayPal Credit to conduct a proper manual review of the evidence and correct the handling of this billing dispute. The charge should not remain on my account for a transaction completed against my explicit pre-shipment instructions, and the unresolved balance has already negatively affected my credit.

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 2026-02-16 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am a XXXX student at XXXX XXXX University. I am being denied access to my PayPal Mastercard credit line due to a critical accessibility failure. 

My mobile device does not support the biometric 'face liveness ' check required by Synchrony 's verification system. Furthermore, I am currently unable to receive mail at my registered address to receive a PIN. 

Despite contacting customer service XXXX times and providing high-level secondary identification ( including a US Passport and a Federal XXXX Tax Form from XXXX ), Synchrony continues to insist on a XXXXbusiness-day mail-in process. This month-long delay prevents me from purchasing the laptop necessary for my XXXX  ( Computer Information Systems ) courses, which constitutes an unreasonable denial of credit access and financial hardship for a senior student.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am a fixed-income parent receiving SSI for my children. Regions Bank has charged approximately {$800.00} in overdraft fees at {$36.00} per transaction per day. The compounding structure has caused severe financial hardship. I was not fully aware that overdraft fees could accumulate daily in this way. I am requesting review and refund due to excessive fee stacking and hardship. So far transactions are from XXXX I asked about opting out of the program and they stated that it's not an option to do so online, which causes even more problem because I am a XXXX student and live 45 minutes away from a physical branch.

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 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX apt XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TranUnion P.O. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
List Incorrect Names & Addresses List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FRA ), 15 USC 1681 et seq The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.

I request a thorough investigation into these inaccuracies.

3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FRA. Thank you for your prompt attention to this matter. 
Sincerely 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 non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF 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 2026-02-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMCB CARD Was closed in 2019, but it is still showing on my credit report. This should have fallen off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc
State: CA

Complaint narrative:
NOTE : This complaint is against SCHWARTZ VAYS for Deceptive & Abusive Debt Collection Practices regarding an HOA Lien Foreclosure. 

1. UNFAIR PRACTICE ( Failure of Service to XXXX Person ) : I am a homeowner with a documented XXXX XXXX XXXX ( XXXX ) and " XXXX XXXX  '' XXXX XXXX. 
The collector FAILED to serve the mandatory Pre-Lien Notice via Certified Mail, which is required by law. Instead, they skipped directly to aggressive foreclosure actions. Because of my XXXX, I received NO monthly bills and was completely unaware of the debt until the foreclosure notice arrived. 

2. DECEPTIVE PRACTICES ( Agent XXXX 's Lies & Bad Faith ) : When I provided evidence and requested a dispute resolution, their agent, XXXX, engaged in willful deception : LIE # 1 ( Dismissing Medical Evidence ) : I submitted 10 State-Certified Medical Reports ( XXXX  ) proving my total XXXX and XXXX. XXXX dismissed these critical legal documents, stating in writing that they contained " no new information, '' and continued the foreclosure. 

LIE # 2 ( Denial of Due Process ) : She falsely stated that " IDR ( Internal Dispute Resolution ) can not be opened for billing issues. '' This is a direct violation of the Davis-Stirling Act and was a calculated lie to strip me of my right to a fair hearing. 

3. ABUSIVE PRACTICE ( Silencing the Consumer ) : When I requested " Mail Logs '' to prove they never sent the notices, XXXX refused to provide them. Instead of verifying the debt, she attempted to silence me by stating, " Submitting repeated emails with the same information does not expedite the review, '' treating my legitimate request for accommodation as " spamming '' to conceal their failure of service. 
[ GUIDE TO EVIDENCE FILE ] I have uploaded a comprehensive 100-page Master Evidence File organized chronologically to prove every violation. 
If your time is limited, I respectfully ask that you focus on : The Introduction : Executive Summary of the case. 
Page 38, 48, 52 FROM PAGE 59 ONWARDS : This section contains the most critical evidence, including the 10 ignored State-Certified Medical Reports and the specific emails where Agent XXXX refused accommodations and made false legal claims.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OR

Complaint narrative:
EMERGENCY : Unjust withholding of funds and refusal to verify identity after car wreck for myself, XXXX XXXX XXXX Description : I am filing this emergency complaint because Cash App ( Block, Inc. ) is withholding access to my funds, which has resulted in my current homelessness. 
On, or about the XXXX day of XXXX XXXX was in a severe car accident that totaled my vehicle. My Cash App XXXX XXXX is currently inaccessible within the wreckage. I have spent endles hours on the phone with Cash App support ( over separate calls ) and, online, attempting to verify my identity. 
Despite having my Government ID, Social Security tax documents, and proof of address, Cash App agents refuse to perform a manual identity verification.I have this all documented They insist I provide a card number or PIN that I can not access due to the accident. 
I am currently living in a tent because I can not access my money to pay for housing or basic needs I a.lso have XXXX XXXX that I haven't been able to get treated, and have had two, XXXX XXXX recently. Please if you can help me! This is a violation of my right to access my own funds. I have all necessary documentation to prove my identity and am requesting an immediate manual review of my account by a supervisor or the legal department to release my funds. 
Desired Resolution : Immediate release of my account funds, to a verified account number, via one time withdrawal code. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
Complaint : I am filing this complaint against Absolute Resolutions Investments , LLC for failing to honor a XXXX agreement. 
I agreed to settle this collection account based on their representation that the account would be deleted from my credit reports upon payment. Relying on that agreement, I paid the account in full on XX/XX/year>. 
Despite fulfilling my obligation, the collection account remains on my credit reports. This is unacceptable and misleading. I would not have made this payment without the understanding that the account would be removed. 
I have upheld my end of the agreement. Absolute Resolutions Investments has not upheld theirs.

This continued reporting is damaging my credit profile and impacting my ability to obtain financing. I am requesting that Absolute Resolutions Investments :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: IA

Complaint narrative:
They contacted a family member with a screenshot of the entire account number and debt that I owed that is illegal from what I know and they can not do this. Its against my privacy. I have screenshots if needed.

Company response to consumer: Closed with explanation