vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Improper debt collection / failure to validate debt IC System reported debt they claim I owe on my credit report. I disputed the debt on XXXX, and XXXX in XX/XX/XXXX and requested validation in writing via certified mail on XX/XX/XXXX. They did not provide proper validation within the required timeframe. Only after I sent a written dispute did they send a copy of a bill, which does not constitute sufficient verification of the debt. They have not provided documentation showing I have a contractual obligation, proof that the debt is mine, or a complete accounting of the amount owed. I am formally disputing this debt. IC System should cease all collection efforts and not report this account to any credit reporting agencies. Their failure to properly validate the debt and continued collection attempts may be a violation of the Fair Debt Collection Practices Act.

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 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: DC

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by XXXX and Cavalry Portfolio Services involving the improper re-aging of a debt. The account in question is a collection account originally from XXXX. It is currently being reported with a Date Opened of XX/XX/year>. This date reflects when the debt was purchased or placed with the collection agency, not the true Date of First Delinquency ( DOFD ). This is inaccurate and materially misleading. The reporting effectively re-ages the debt by making it appear newer than it actually is. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), the 7-year reporting period must be based on the Date of First Delinquency with the original creditor, not the date the debt was sold or assigned. I disputed this with all three credit bureaus, and the account was verified as accurate. However, no Date of First Delinquency was provided, and no meaningful method of verification was disclosed. I also contacted Cavalry Portfolio Services. They continue to verify the account but have failed to provide : * The Date of First Delinquency ( DOFD ) * The original charge-off date * A complete payment history * Documentation supporting the reported dates Verifying the account without confirming the DOFD does not meet the reasonable investigation requirements under 15 U.S.C. 1681i. I am requesting the following resolution : 1. Disclosure of the Date of First Delinquency ( DOFD ) as reported by the original creditor. 2. Correction of the account to reflect the accurate delinquency timeline. 3. Deletion of the account if the DOFD and full account history can not be verified. 4. Confirmation that all credit reporting agencies have been updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NE

Complaint narrative:
I have not had a XXXX account since XXXX when I last looked at my final balance they said I didnt owe anything wasnt mailed a balance or emailed or anything now all of a sudden this is on my credit and I knew nothing about it I called they tried to say I had usage in XXXX and XXXX but thats literally impossible because I have not had XXXX since XXXX of XXXX I know because I had to disconnect my service when I lost my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
Since mid XXXX I have been trying to gain access to my late husband 's HSA through XXXX so that I may finish my taxes. At first when I called I was told that I could not access his account because my name was not listed on it, and I would have to fill out a death report. They claimed that the report would be mailed to me, I would mail it back, and then I would be able to access the account. I waited a few weeks and no report came. When I called again I was told that the request was not filled out correctly and they would fix it and email the death report to me. Again, no such report came so I called again and this time I was able to get the report after 2 hours of dealing with the customer service team. That was on XX/XX/XXXX. I still do not have access to the account despite calling multiple times and trying to explain that I am travelling and will be out of the country soon and will not be able to file my taxes without the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I was a victim of a scam. A guy claimed he had worked for my bank in the fraud department. He advised me and my wife we had suspicious activity on our account and was going to freeze our account. He had us transfer our money which mine that I moved was {$9800.00} to my Cash App. Once it was moved over to Cash App he then provided me a temporary card number to withdraw it to. Once I removed my personal bank card and I added the temporary card. He then wanted me to withdraw to that temporary card. Once that was completed he disconnected the call. Once I realized it was fraudulent I notified my personal bank and Cashapp to stop the transactions. My personal bank began investigating the matter and later resolved the matter. Cashapp stated they would conduct an investigation however has failed to resolve the issue placing me in a negative balance and more than likely will want me to pay it back. Ive tried to dispute this matter with Cash App however they keep running me in circles and make me feel like they are not planning on conducting an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi bank has called more than 7 times in 7 days to collect and Ive blocked the number and they call back from more numbers plus wont stop calling when asking to not be contacted

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a zelle payment and XXXX believing I was purchasing a vehicle and making only a deposit to hold in the amount of {$3000.00}. I made a XXXX payment {$2500.00} and the rest to XXXX {$500.00}. This individual who claims to be XXXX XXXX, a Real Estate agent, instructed me to send XXXX payment to his Uncle named XXXX XXXX. This provided a false information induced me to send payment. Once payment went through they claimed their XXXX account reached its limit. I sent her a message that XXXX has unlimited receiving but sending there is a limit. I was skeptical on this. Since my limit to send was {$2500.00} I have her the remaining via XXXX of {$500.00}. Based on these false statements I was deceived into authorizing the payment. A good friend of mine also made a deposit but with another XXXX name. Then we both realized the transaction was all fraudulent and been a victim of a scam on XXXX. I immediately reported the incident to Citibank. Citibank locked my checking and savings account and told me to open new one. I finally received a letter from Citibank that my fraud claim was denied on the basis that the transaction was authorized. While I initiated the payment, my authorization was obtained through deception and misrepresentation. This was not a legitimate transaction, but induced scam. I did not knowingly send money to a scammer. I am requesting that Citibank reconsider my claim and provider reimbursement of {$2500.00} loss. I can include screenshots of showing messages showing deceptive I instructions and fraud behavior. I respectfully request a full review and have a resolution of this matter. Respectfully yours XXXX 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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding Santander Consumer USAs failure to process a vehicle payoff payment in a timely manner and the improper addition of interest and fees. A payoff check was mailed to Santander and received and signed for on XX/XX/year>, as confirmed by official delivery tracking ( XXXX ). Despite confirmed receipt, Santander has failed to deposit or process the payment. In fact, multiple representatives advised to call back on XX/XX/XXXX as it would typically take 10 days. It is now XX/XX/XXXX and there is no sign of payment on my account to payoff my vehicle loan. My financial institution has verified that the check has not been deposited as of today. While the payment remains unprocessed due to Santanders internal delay, my account continues to show an outstanding balance, and additional interest and/or fees are being assessed. This is inappropriate and unjust, as the delay is not caused by me. This failure to timely process a valid payoff and the continued accrual of charges may constitute unfair and deceptive practices ( including late payment reporting on my credit, interest fees, etc ). I have proof of delivery and signature confirming receipt of the payoff check, as well as confirmation from my bank that the check has not been deposited. I am prepared to provide documentation upon request. I am seeking a prompt resolution to prevent further financial harm and unnecessary escalation. If there is no resolution to my problem, I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NE

Complaint narrative:
I was told this XXXX account was closed as written off when I called Verizon at the beginning of the year confused on why/ how I have a debt with them now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Extension agreement dated XX/XX/XXXX confirmed XX/XX/XXXX payment of {$440.00} {$170.00} late fee from XX/XX/XXXX ( though rep couldn't confirm if it was from then, XXXX or XXXX ) was never disclosed during extension process Contract language states payments apply first to accrued unpaid finance charges fee should have been swept into extension Ally offered only partial waiver of {$74.00}, leaving {$99.00} outstanding Requesting full waiver of remaining balance Though the contract states {$440.00} is what's due, my account says that there's an excessive outstanding balance.

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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Subject : Complaint Regarding Misleading Extended Warranty Terms XXXX XXXX XXXX XXXX I am submitting this complaint to report a concerning experience with XXXXXXXX XXXX XXXXXXXX XXXX related to an extended warranty ( service agreement ) I purchased in XX/XX/year>. At the time of purchase, I was led to believe that the extended warranty coverage was primarily based on a time period. However, after approximately XXXX year of ownership, I was informed that the agreement had already expired due to exceeding mileage limits. This key limitation was not clearly disclosed or adequately explained during the sales process. As a result, I paid {$2900.00} for a service agreement that became unusable far sooner than reasonably expected. I believe this reflects a lack of transparency and potentially misleading sales practices. I made multiple attempts to resolve this issue directly with the dealership, including discussions with management representatives XXXX and Service Manager XXXX XXXX. Despite these efforts, no resolution or goodwill adjustment has been offered. I am requesting that this matter be reviewed for potential misrepresentation and that appropriate action be taken. Additionally, I would appreciate assistance in obtaining a fair resolution, whether through a partial refund or other remedy. This situation has caused significant frustration and financial loss, and I hope my complaint helps prevent similar experiences for other consumers. Sincerely, XXXX 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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
I made XXXX transaction on Cash app to a lady who were supposed to be helping me move into a house. She ended up stealing my money to buy a car so I disputed both transaction so that I can get my money back from the lady Cash app denied XXXX transaction which was {$2000.00} and they keep prolonging the other transaction which is {$2300.00}. They told me by yesterday, which is XX/XX/year>. I would receive my money back for the transaction and now theyre telling me I have to wait even longer after they stopped doing their job so I would like to report them for not actually investigate my case the right way and not doing their part to do the appropriate standards with my second dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
On one credit reporting site it states the account is closed I need all of them to say the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding Capital Ones failure to honor two separate rewards offers made in connection with purchases at XXXX. The first offer was spend {$50.00} and receive {$20.00} in rewards, with a purchase date of XXXX XXXX. The second offer was spend {$100.00} and receive {$50.00} in rewards, with a purchase date of XX/XX/year>. I completed both purchases at different times, and both transactions met the required spending thresholds before taxes and other adjustments. To my knowledge, both purchases were fully eligible under the terms of the offers. Over the last XXXX months, I contacted XXXX Ones credit card rewards team XXXX times about this issue. Each time, I was given different and inconsistent information. As I recall, the original disclosure stated that the rewards would be credited within 45 days, but a supervisor I spoke with in XXXX told me it could take 90 days. Despite these repeated calls, no one resolved the issue. In addition, I specifically requested copies of the offer disclosures, but Capital One never provided them. They also failed to manually adjust or credit the rewards I should have received. I believe this XXXX reflect deceptive practices, where consumers are encouraged to make qualifying purchases based on promotional rewards, but when it is time to receive those rewards, the company fails to honor the offer and does not provide clear or consistent explanations. I am requesting that Capital One : Provide the disclosures and terms for both XXXX rewards offers ; Credit the rewards I earned under both promotions ; and Fully investigate why these eligible offers were not honored. Please investigate this matter fully.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint because I filed a dispute with my financial institution for unauthorized transactions on my account totaling over {$1700.00}. I requested an expedited provisional credit due to the significant amount involved, but my request was denied. I then asked the representative to escalate the matter to management. When the call was escalated, the manager became verbally combative and stated that there was nothing they could do to assist me. I requested that an expedited complaint be filed with the institutions XXXX XXXX XXXX XXXX XXXX. I was provided reference number XXXX. I was then told that I would need to write a letter and wait up to 15 days for a response. Given the urgency of the situation and the institutions refusal to provide accurate information, honest communication, or the provisional credit I am entitled to under their policies, I am filing this complaint with the CFPB. I understand the institutions standard procedures ; however, when a consumer requests expedited handling due to unauthorized transactions of this magnitude, the request should be taken seriously and processed appropriately. At this time, I have not received my provisional credit, and the institution has not acted in good faith to resolve my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MA

Complaint narrative:
I was hacked in my cash app account twice in the amounts of {$230.00} and {$290.00}. I requested a refund but cash app said they werent able to refund me and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am writing to formally dispute a fraudulent insurance policy that was discovered to have been taken out in my name. My cousin, XXXX, has committed identity theft by initiating this policy without my knowledge or consent. This fraudulent activity was brought to my attention by my father, who inquired about an insurance policy registered at his address under my name while I was out of town on other set of months. This situation is particularly egregious as evidence suggests XXXX used my stolen debit card to pay for the setup of this unauthorized policy. I have identified the charge on my bank statement, confirming the unauthorized use of my funds for a service I never requested, agreed to, or benefited from. I had absolutely no part in or knowledge of this debt or policy creation. If anything they owe me money. For an account I never opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation