vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I feel very violated and this is causing stress.

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 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
Subject : Formal Complaint Unexplained Loan Denial by OneMain Financial I am filing a formal complaint regarding the lending practices of OneMain Financial and a recent unexplained denial of my loan application. I have been a customer with OneMain Financial for approximately four years. I was previously approved for a {$10000.00} loan and have maintained that account in good standing with consistent on-time payments. My current balance has been reduced to approximately {$5600.00}, demonstrating a strong history of responsible repayment. Despite this positive payment history and a credit profile that is substantially similar to when I was originally approved, my recent application for an additional {$20000.00} loan was denied. I was informed that the decision was made solely by an automated system, and I was not provided with a clear, specific, or meaningful explanation for the denial. This raises serious concerns regarding compliance with the Equal Credit Opportunity Act ( ECOA ), which requires creditors to provide specific reasons for adverse actions. A vague or generalized explanation does not meet federal requirements. I am requesting the following : 1. A detailed written explanation of the specific reasons for the loan denial 2. Disclosure of the key factors used by the automated decision system 3. Confirmation that the decision complies with ECOA and all applicable laws 4. A manual review of my application by a qualified human underwriter Given my established payment history and lack of transparency in this decision, I am concerned this may involve unfair or arbitrary lending practices. I request that this matter be formally investigated and that I receive a timely and detailed response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: OK

Complaint narrative:
On Thursday, XX/XX/2026, my Chime card was hacked and fraudulent charges were made as follows : XXXX XXXX @ XXXXXXXX XXXX in the amount of XXXX, XXXX XXXX for two transactions at XXXXXXXX XXXX for XXXX and one at XXXXXXXX XXXX in the amount of XXXX. Earlier in the day I requested a Chime XXXX XXXX card, which I was approved for, and it combined my debit card with the XXXX XXXX card, and now I am told by Chime, since it is a XXXX XXXX card, they can not loan me the money fraudulently taken. I am XXXX XXXX XXXX and live on a very tight, fixed income of {$1400.00} per month. My banking clearly speaks for itself. Never overdrawn until this, consistsnt monthly direct deposits and an account that is never mishandled. I also truly feel Chime made me vulnerable by moving my money onto one card and not 10 hours later my card is hacked and without asking if I had made those purchases. They tell me they are following federal guidelines with the investigation ; however, when asked what those guidelines are they respond with minimal information and even that is scripted. PLEASE HELP AND WARN OTHERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect 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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
Systemic Failure to Deliver Advertised " Private Client '' Benefits ; Pattern of Deceptive Administrative Coercion ( Prior Complaint # XXXX ) I. Introduction & Regulatory Basis I am filing this complaint against Axos Bank for a sustained failure to honor its advertised " Private Client Banking '' terms and for engaging in deceptive administrative practices that withhold earned benefits from high-net-worth consumers. This follows a previous formal complaint regarding deceptive interest rate tiering ( Ref # XXXX ), establishing a clear pattern of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act. XXXX. Statement of Facts Since XX/XX/2026, I have maintained an aggregate balance exceeding $ XXXXmore than double the banks stated {$250000.00} threshold for " Private Client '' status. Despite meeting all quantitative criteria for over XXXX days, the bank has committed the following violations : Breach of Promised " Concierge Onboarding '' : Axos marketing explicitly promises " Concierge Onboarding '' and status confirmation within XXXX business days of meeting the balance threshold. It has been over XXXX months without activation, representing a material failure to deliver a contractually implied service. Administrative Coercion & Friction : The bank is currently attempting to compel me to open a third, redundant checking account to " fix '' an internal status error. Forcing a consumer to open new financial products to access benefits earned on existing accounts is a coercive tactic designed to create administrative barriers to service. Constructive Denial of Travel Benefits : Access to Priority Pass Select is an advertised core benefit of the Private Client relationship. By failing to issue the required XXXX XXXX XXXX XXXX for over XXXX days, the bank is in constructive denial of the bargained-for consideration of the account agreement. Deceptive Product Steering : Bank representatives have stated there is " no increase '' in interest rates for XXXX XXXX status. In fact, Axoss own disclosures suggest that " XXXX XXXX XXXX XXXX XXXX XXXX % APY ) offers a lower yield than my current " Axos XXXX '' ( XXXX % APY ). Marketing this status as an " upgrade '' without prominent disclosure of the potential 50 % + reduction in yield is deceptive and likely violates the Truth in Savings Act ( Regulation DD ) regarding the accurate representation of account features. XXXX. Legal Argument The banks conduct causes substantial financial and service-related injury that is not reasonably avoidable. I have performed my obligation by providing the bank with over a half-million dollars in liquidity. The bank has failed its counter-performance by withholding the VIP benefits used to solicit those funds. This delay appears to be an intentional effort to maintain high-yield deposits while avoiding the operational costs of the " Private '' perks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Ive repeatedly contacted customer service and even requested callbacks, but no one has followed up. Ive also tried calling during non-peak hours and still end up on hold for over an hour. Given that Bank of America is a multi-billion-dollar institution, it would be reasonable to expect adequate staffing to handle customer support more efficiently. Please consider hiring more agents to address this ongoing issue.

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 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2026, I filed a dispute with Cash App for a {$720.00} transaction with XXXX due to non-receipt of goods. My order was not properly received, and the merchant initially indicated I would receive a refund but later denied it. I provided supporting documentation, including screenshots of my communication with the merchant. It has now been over XXXX days since I filed the dispute, and the merchant has not responded. Despite this, Cash App has not provided any updates, resolution, or timeline for a decision. I have contacted support multiple times, but representatives and managers state they can not access the dispute details or provide any meaningful information. I am requesting a final resolution of this dispute and the return of my funds, as I did not receive the goods associated with this transaction and have been unable to obtain assistance through normal support channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: Netspend Corporation
State: NY

Complaint narrative:
I purchased a {$35.00} service that I never received. Instead, after paying the {$35.00}, in order to receive the promised content that I had already paid for, I was told that I would have to pay another {$80.00}. This second payment was never mentioned. Had I known there would be a secret paywall to get past after the initial purchase, I wouldve never made it. Especially considering that it would end up costing me {$110.00} in total. I tried to resolve it through the creator who blatantly ignored me, and through the websites support, who basically told me there is nothing wrong with the scam that took place.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
ok XX/XX/XXXX my checking account had XXXX dollars and XXXX cents and I had overdraft protection, I dont use PNC much thats why there were no funds at that time that same day PNC XXXX XXXX transactions come through 1 for XXXX and now my account was in the rears XXXX and they charged another over draft fee of XXXX dollars on XX/XX/XXXX knowing my account was in the rears they another let another transaction come out on XX/XX/XXXX in the amount of XXXX bring my account behind XXXX. I am disputing all these charges and fees. I did not give PNC the rights to just let bills come out. they should have simply denied the change and I would have been notified. They purposely let me account get charged so they can charge me an overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am currently pregnant this has caused trauma and stress on me and my unborn child I just want to get my life back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I feel violated and this is causing stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am requesting from Capital One Bank a complete account records for all Bill Pay transactions made to XXXX XXXX XXXX. XXXX XXXX. Specifically, I am requesting : - A full ledger of all Bill Pay payments to this payee, including check dates, check numbers, and check amounts - The date each check was cashed/cleared - Copies of all cancelled checks associated with these payments I have made these request multiple times by phone. Each time, Capital One representatives confirmed the details of my request but failed to provide the requested records. Instead, I received unrelated resolution letters. My most recent request was made XX/XX/year> under claim number XXXX. Despite repeated confirmations, Capital One has not provided the requested account records. I am requesting that Capital One provide the complete payment ledger and copies of all cancelled checks, or provide written confirmation if they are unable to produce these records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am submitting this complaint to formally report Coinbase , Inc. 's unfair and deceptive practices regarding consumer asset access and verification procedures. On XX/XX/year>, Coinbase placed an arbitrary restriction on my account, disabling the ability to transfer crypto assets under the pretext of 'protecting against potential loss. ' When I complied with Coinbase 's mandated ID and video/facial verification process, the review was denied with no valid justification or transparency. They are systematically holding users ' funds hostage and forcing them to jump through hoops after already verifying their identity. I am not seeking an account uplift, but rather an official investigation into Coinbase 's automated restriction algorithms and deceptive support practices, which violate consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I am submitting this complaint regarding TD Bank/Target Credit Cards refusal to consider a goodwill adjustment for a single late payment on my account. I fully acknowledge that the late payment was my responsibility and that the reporting is technically accurate. However, this was a one-time oversight after more than three years of consistent, on-time payments and otherwise responsible account management. I contacted Target Card Services in good faith to request a one-time goodwill adjustment, which is a common discretionary practice among credit card issuers for customers with strong payment history. My request was denied with a statement that they do not offer goodwill adjustments, which appears to be a blanket policy without consideration of individual account history. I am not disputing the accuracy of the reporting, but rather requesting fair consideration of my long-standing positive payment behavior. Many financial institutions evaluate these requests on a case-by-case basis, especially where there is a clear pattern of responsible use. I am asking TD Bank to review my account history and reconsider my request for a one-time goodwill removal of this late payment, given my otherwise strong record and continued good standing. I value maintaining good credit and believe this isolated incident should not outweigh years of responsible behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: TX

Complaint narrative:
Had an employee that add herself to the American Express account without company authorization. Once discovered, the employee was terminated. We notified American Express what happened. This has gone on for nearly a year and American Express will not accept liability and they have not given one shred of evidence in the matter. We have requested this information for nearly a year. We submitted a complaint with CFPB and the case was dismissed, but we have not seen any resolve on our end or evidence that we have requested. We have received letters from American Express that state that she was an authorized user, but no one gave her authorization. They have also sent letters that said we accept liability since the credit card balances have been paid, but she was the one that paid the credit card statements. Speaking with the fraud team at American Express, I have had multiple representatives agree that this case is fraud, but they do not end up doing anything. They continue to point the finger at something else to try to rid themselves of any liability in this case. I would ask CFPB to try and help me get this resolved. Dates and amounts were attached to original claim # XXXX. Please reach out to me if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sunbit, Inc.
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused me XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This have caused stress and trauma in my life and XXXX it is very stressful I just want to get my life back on track.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation