vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Account : XXXX XXXX XXXXXXXX I am requesting validation of the above-referenced account currently being reported under my name. I did not receive proper written notification providing me the opportunity to dispute this debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide documentation demonstrating that proper written notice was sent, including proof of mailing. 

Additionally, please provide documentation showing your authority to collect and report this account. 

If the requested documentation can not be provided, I request that this tradeline be deleted from all consumer reporting agencies. 

I appreciate your prompt review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX XX/XX/XXXX, I applied and was approved for the new XXXX credit card. The account was opened with out issue. I was able to use the card right away and it was easily linked to my XXXX account. Unfortunately this card is governed by capital one. This bank has closed several accounts without providing reason and/or the reasoning is super vague. XXXX  been told to check XXXX XXXX clerk court house records? Ive asked repeatedly why? I have several credit accounts in good standing with very well known financial institutions and yet capital one seems to take action against me for no legitimate reason. Capital one swiftly restricted and closed the tmobile credit card account in the same fashion as the others citing that someone, Meaning me, is or has been involved in some type of legal proceedings. There was never any verification of proper identity. Coincidently, capital one allowed multiple fraudulent accounts to be opened using my information that I discovered in XXXX of XXXX. 
Those accounts were open for some time. It was not until I reported those accounts as fraud that capital one finally did something about it. Now that I try to open legitimate accounts, capital one keeps closing them without reason and/or using a very vague not specific reasoning such as risk management or " it was a business decision '' My credit report is being damaged by these actions. I am being financially harmed. I am not currently involved in ANY type of legal proceedings and HAVE NOT been in a number of years. If I was some kind of risk or damage to this banks reputation, I sure think I would have just as much trouble opening and maintaining accounts at other well known institutions. I have not done anything to provoke this action that capital one continues to take against me without providing legitimate reasoning. I demand the XXXX credit card account be reopened. I will also be requesting compensation for all the financial harm that capital has continued to cause me over the last year. In the event that I am not compensated or my request be denied again, I will be exploring legal proceedings against capital one bank for having continued to allow fraudulent accounts in the past and having continued to close any accounts I've tried to open since based solely on capital ones prejudice against me which in itself is very much a form of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This matter arises from an unlawful detainer proceeding filed in XX/XX/XXXX. The original money judgment entered in XX/XX/XXXX was {$4400.00}. 

The primary focus of the proceeding and mediation discussions concerned possession of the property. The financial consequences now being reported, including the aggregation of additional amounts beyond the judgment, were not clearly disclosed or adjudicated in the context of that proceeding. 

I signed the stipulation in good faith based on my understanding at the time. The current reporting reflects amounts and consequences that materially differ from what was discussed or understood during the mediation process. 

The furnisher first reported XXXX ( CFPB XXXX ), now reports a balance of {$16000.00}, which includes : The {$4400.00} judgment Statutory interest A {$9400.00} non-judgment balance The furnisher admits no lawsuit was filed for the non-judgment balance. 

Even accounting for 10 % statutory interest on the judgment, the total lawful judgment balance would be approximately {$7000.00}. The remaining portion appears to be an unadjudicated claim that was never reduced to judgment. 

Reporting a combined total as though it is fully established by court order misrepresents the legal status of the debt. 

Under 15 U.S.C. 1681e ( b ), reporting must ensure maximum possible accuracy.

Under 15 U.S.C. 1681s-2 ( b ), a reasonable investigation must verify the legal basis of each component of the reported balance. 

I am requesting a full itemized accounting separating : Judgment principal Statutory interest calculation Court costs Attorneys fees ( if awarded ) The alleged non-judgment balance and contractual authority for it If the non-judgment balance was never adjudicated or contractually validated, it should not be reported as part of a judgment debt. 

The furnisher is reporting a combined balance that includes amounts never reduced to judgment. This creates a materially misleading representation of the debts legal status. 

Pursuant to 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), any portion of the balance that can not be verified as legally enforceable must be corrected or deleted. Continued reporting of unverified amounts after dispute may constitute willful noncompliance under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
From XXXX my XXXX  Wells Fargo Credit Card was charged for purchases online at XXXX to XXXX delivered to my address that I did not authorize nor did I receive. The card was charged XXXX cents XXXX  times on XX/XX/XXXX and then charged {$94.00} + XXXX + XXXX + XXXX + XXXX on the XXXX XXXX. On XX/XX/XXXX they charged the card XXXX cents XXXX  times. We reported the fraud as soon as we became aware around XX/XX/XXXX. We received notice that because the fraud was committed while we had the card in our possession and the items purchased were said to be mailed to our address XXXX has determined it was not fraud! I am XXXX XXXX XXXX man with no criminal history. So XXXX doesn't lose a dime, I have to fight to get my money back because they or XXXX has weak online security! Its obvious to me fraud started with trying numbers to see if they work with the XXXX cent fishing. They hit and I bought Christmas presents for the criminals. This is unfair business practice. I am working on closing all my accounts with XXXX. I would appreciate your assistance in this matter.

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 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
b'I am filing this complaint against Portfolio Recovery Associates (PRA) for failure to validate a debt and for reporting inaccurate, duplicate information.\n\nOn XX/XX/XXXX, I sent a formal Debt Validation Request via USPS Certified Mail (Tracking #: XXXX XXXX XXXX XXXX XXXX XXXX). USPS records show this request was delivered to PRA and signed for by XXXX XXXX onXX/XX/XXXX. \nDespite legal receipt of my request over 90 days ago, PRA has failed to provide any validation documents, including the original signed contract or an itemized accounting of the debt. Furthermore, PRA is currently "double-reporting" this alleged $XXXX debt on my credit report. XXXX shows one entry as "Unknown" (Account XXXX), while XXXX shows a second entry as "Closed" (Account XXXX). Neither entry lists the original creditor, making the debt unverifiable. \n\nUnder the FDCPA, 15 U.S.C.  1692g(b), PRA must cease all collection activityincluding credit reportinguntil validation is provided. Because they have failed to validate and continue to report duplicate, inconsistent data, I request the immediate deletion of both tradelines from all credit bureaus.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate practices service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres. for these violations.

I want the CFPB to publish

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Subject : CFPB Complaint Request for Investigation of Potential Unauthorized Charges and Documentation Deficiency I am submitting this complaint to request regulatory review of an auto finance account serviced by Bridgecrest Acceptance Corporation. I am seeking assistance because I have reason to believe additional products or charges may have been included in my loan without proper authorization or disclosure, and the company has failed to provide complete documentation verifying these charges.

I formally requested a complete copy of the contract file, including all addenda, ancillary product agreements, authorization forms, and electronic signature records. In response, I was provided only partial documentation that does not contain any records demonstrating that I knowingly agreed to any additional products that may be included in the financed balance.

Specifically, the documents provided do not include : Add-on product authorization forms Itemized product agreements Electronic signature authentication logs Audit trail records Complete contract file Without these materials, there is no documentation confirming that any ancillary or add-on products were properly disclosed, explained, or knowingly authorized. The documents provided do not establish whether such products were required or optional, nor do they contain records demonstrating that I affirmatively accepted them.

To date, I have paid approximately {$28000.00} toward this account, which exceeds the original amount of the loan, yet a remaining balance is still being asserted. Additionally, I recently paid {$1300.00} out of pocket for vehicle repairs despite being informed that a service or warranty product may be associated with my account. This raises concerns regarding whether such products were properly disclosed, validly authorized, or actually in effect.

My concern is not simply the balance amount but whether the account includes charges that were never knowingly accepted. Creditors are required to maintain accurate documentation supporting financed charges and to verify authorization when such charges are questioned.

I respectfully request that the CFPB review this matter and require the company to provide : Complete contract file Proof of authorization for any add-on products Full payment application history Electronic signature audit records Documentation supporting the current balance Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filling. A complaint against cash app ( block. Inc ) due to inadequate costumer service and unfair practices, which violates the customer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
b'Citi credit Mastercard personal account \nXXXX XXXX of the Attorney General Office of Texas\nCiti dispute department \n\nXX/XX/2026 bill charges for over XXXX\nXX/XX/2026 over 29% interest rates\nXX/XX/2026 Citi has threatened me al ready to send me to their collections agency if the whole bill is not paid in full before the end of this month. \nI am recurring for help to a financial professionals, because I cannot afford a personal lawyer nor to able paying other sources. I  red to report Citi Mastercard because I feel that there is an abuse, unfairness, madness, deceptive and disruptive financial behavior from Citi Mastercard that is reflecting a continuing of overcharging credit card interest problem in my account that begun right after my promotional rate ended about 2-3 years ago. Even thought I had been a great customer paying my due monthly charges and interest fees diligently every month for all purchases my joint account relative and me had been made for the past few years and since we got approved by this bank company.'

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 2026-02-22 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: Block, Inc.
State: OH

Complaint narrative:
I called/emailed the company several times in order to get my monies back for services that was not rendered according to their rules and regulations. I submitted the claim on XX/XX/2026 late at night and received info from the credit card people per denial. The information states that they denied it based on the information provided by the company in question and if I wanted the supporting documents as the their reason of denial to contact them. First, I found it very suspicious that they were able to submit this to the company in question XXXX XXXX XXXX XXXX, receive documents from the company, and deny my claim all in XXXX  hours time. So, I called to get the documents and was told that they did not have any documents and that they will escalate my claim to a different office. Well, I still have not received the paper trail of my complaint showing another team is now involved in the investigation via email as instructed so I don't know what they are doing. My claim is for the {$99.00} this company charged to do a background check, and the {$250.00} which was said to go towards XXXX  months rent which was cancelled by the company and not refunded etc... The reason being is that I am not able to open up any document to see what I paid for, and no one seems to be able to help me. I even called/emailed XXXX  to have their hire-ups contact me/and called w/o any response. I will stop the complaint when my money is returned.... Nobody is giving anyone {$350.00} for nothing. Have them return my money immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ECMC GROUP, INC.
State: ID

Complaint narrative:
ECMC has been sending letters indicating collection activity. I have not thought to question this and simply want to understand what they are collecting. I need a copy of whatever legal agreement they are enforcing ( promissory note ) and a ledger of the loan activity.

They decline to provide any information and ignore me. Instead, they send me mail indicating I should call and " restructure '' the loan. I don't know what I'm being asked to restructure or why. When I challenge them that they seem to be trying to get me to agree to loan terms and won't provide me any information, they refuse to respond.

All I want right now is a copy of the original promissory note and the ledger of the account so I have a clear idea of what it is they are seeking and what they are enforcing. I get so much fake spam stuff and attempts to collect on things that I want to validate every dollar I'm being asked to surrender.

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 2026-02-22 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express devalued my XXXX XXXX XXXX points when they discontinued the blue sky credit card XX/XX/XXXX. I had XXXX points, worth {$880.00} in travel redemption at the {$100.00} per XXXX point value advertised. 
Instead of giving me the full value of my points after discontinuing the card they are giving me the cash value of {$100.00} per XXXX points as a statement credit, which is only {$660.00}. 
I was informed about the card discontinuation and the conversion to a new card with multiple emails but the only information about the loss in point value was at the bottom of one credit card statement from XX/XX/XXXX. 
This only gave me and other blue sky card users approximately 4 months to use the points for their full value. I was personally saving my points for a trip in XX/XX/XXXX and did not have any travel plans between XX/XX/XXXX and XX/XX/XXXX where I could have redeemed my points for their full value. 
American Express should have given cardholders a statement credit at the full value of their points, especially given that it was likely impossible for people to get the full value of their points in the 4 month time frame between notification and the conversion of points to their cash and not travel value. Essentially American Express has stolen hundreds of dollars from me and the other XXXX XXXX users. 
When asking about the transition I was told that I would get the full value of my points as a credit, not a devalued rate. 
I asked for my points to be properly reimbursed via chat on XX/XX/XXXX and was told that their system did not allow for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
This is a debt from XXXX XXXX XXXX XXXX XXXX, Co. I was originally going to go there for college after my XXXX  had kicked me out of the house at XXXX but it ended up being way too expensive so I became broke in the springs. Ive been working XXXX XXXX  trying to to get enough money to start paying for new schooling so I can get a job that pays a livable wage. When I was going to go to that school I had planned to live on campus and had a signed a housing contract not know that if it was terminated I would be forced to pay an amount to them for a room I never even got. The phone calls I got after the sold my debt to Williams and Fudge. The man XXXX XXXX continually called and harassed me threatening me by saying if you dont pay this soon we will be forced to take other actions that can destroy or hurt your credit so I felt like the only thing I can do was be forced to pay now I am paying almost XXXX dollars a month for something I will never ever see. He has also defaulted to charge my bank account on the correct days I dont even receive a charge for the agreed upon day anymore and I have proof they did not charge me on the agreed upon day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MO

Complaint narrative:
Subject Formal Complaint Regarding Overdraft Handling and Failure to Issue Promised Credit To Whom It May Concern, My name is XXXX XXXX XXXX. I am writing to file a formal complaint regarding PNC Banks handling of my account ending in XXXX. 

I relied on PNCs overdraft coverage policy in good faith when a transaction was processed for my stay at XXXX XXXX XXXX XXXX. Based on my understanding of the overdraft terms associated with my account, this transaction should have been covered or handled according to the protections described by PNC. 

However, PNC did not honor the overdraft as expected. As a result, I was left without lodging during below-freezing temperatures. This situation directly impacted my health and safety, and I am currently XXXX. I believe the banks actions contributed to the circumstances that led to this XXXX XXXX. 

Additionally, at the end of XXXX, I received written correspondence from PNC stating that my account would be credited in the amount of {$1000.00}. I have not received this credit. I am requesting a full explanation regarding why this promised credit was not applied to my account. 

I am requesting the following : 1. A full investigation into why the overdraft coverage was not applied as represented.

2. Immediate clarification and processing of the {$1000.00} credit referenced in PNCs written notice. 
3. Reversal of any related fees.

4. A written explanation of all actions taken on my account.

5. Consideration of compensation for the hardship and medical consequences resulting from this situation.

Given the seriousness of this matter and the health consequences involved, I request a prompt written response.

Sincerely, XXXX XXXX XXXX Account ending in XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation