vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
I requested that Discover Card close my secured credit card and refund the security deposit. As of today, that has not been done. Discover continues to report negatively to all XXXX  credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CT

Complaint narrative:
Source Receivables M. Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your Claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you Please also be aware that any negative mark found on my credit report with Experian from your company or any company that you represent, for a debt that I don't owe, is a violation of the Ear Debt Collection Practices Act FDCPA 807 ( 15 USC 19620 ), therefore, if you can not va date the debt, you must request that all credit reporting agencies delete the entry Pending the outcome of my investigation of any evidence that you submit, you are instructed to take any action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of the certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for XXXX ) Defamation XXXX ) Negligent Enablement of identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fal : Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my arca. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to connect your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Your name : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I went into the store on XXXX XXXX to purchase some perfume. After making my purchase I get home and open the box only to find that it was not perfume in the box. I immediately called the store re : the matter, they refused to help me get this matter resolved. I sent them requests asking them to resolve this matter, they still refuse. The acct is in dispute, they still reported this acct to my credit as late, with late fees of over {$100.00} added. The total amount of the purchase that I never received was {$170.00}. Now theyre saying I owe {$270.00} and its reporting on my credit report. This has been going on since XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I contacted Cash App XXXX to regain access to a previous account associated with the email XXXX and the XXXX  cashtag [ XXXX ]. This account contains legally earned personal funds that I am currently unable to access. 

I am a college student at the XXXX XXXX XXXXXXXX and depend on these funds for my essential living expenses. I have provided Cash App Support and their XXXX, XXXX ( Case # XXXX ), with extensive proof of ownership for both my current and previous accounts, including : Identity Verification : Both accounts are verified with the exact same government-issued ID and Social Security XXXX XXXX 

XXXX XXXX : Both accounts are linked to the same bank account and the same debit card. 

Address XXXX : Both accounts share the same shipping zip code Despite this identical verification data, Cash App issued a final refusal on XX/XX/year>, stating they " can not override '' a security decision to XXXX me access. Furthermore, I am experiencing a technical failure where I do not receive the required verification emails to XXXX, even though that email is functioning for all other services. Cash App is currently withholding my verified funds indefinitely without providing a path for a forced " XXXX XXXX '' to my linked bank account, which is a violation of my right to access my own assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Betterment LLC
State: TN

Complaint narrative:
The company Betterment recently contacted me about a security incident they had that impacted my account. This was confusing because I never opened an account with Betterment. I logged in to see what kind of shenanigans were going on, and they had created an account for me. It has a XXXX balance, of course, but they have begun marketing to me and they have my personal information. I've attempted to close the account and they told me I had to login and do it myself which I did, but they didn't actually close the account. They continue to send marketing information and try to get me to work with them. Once again, and to be clear, I do not know who they are, and I've never worked with them, I've never had a desire to work with them. I don't know how they created my account, but they did, and they have my personal information and clearly security issues. The information they have is old and appears to have been scrapped from XXXX. It feels like the same thing that happened with XXXX XXXX a few years back where people were creating accounts without consumer permissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: DISCOVER BANK
State: WA

Complaint narrative:
The disputed transaction details are as follows : Merchant : XXXX ( XXXX ) Amount : {$270.00} Transaction Date : XXXX  XX/XX/year> Posted Date : XXXX  XX/XX/year> Merchant Location : XXXX XXXX, CA XXXX I was charged for this purchase, but the package was never delivered to me. I did not receive, possess, or benefit from the merchandise. I timely disputed the charge with Discover for non-received goods, which qualifies as a billing error under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 ( b ) ( 3 ).

Despite this, Discover denied my dispute and held me financially responsible. Discover failed to correct a billing error for goods not delivered as agreed, as required by federal law. XXXX on shipment or XXXX information without proof of successful delivery to me does not satisfy the FCBAs investigation requirements. 
Under Washington State law, the risk of loss remains with the seller until goods are actually delivered : RCW 62A.2-509 ( UCC Risk of Loss ) places responsibility on the seller when goods are lost prior to receipt by the buyer.

Charging a consumer for merchandise never received may constitute an unfair or deceptive act under the Washington Consumer Protection Act ( RCW 19.86 ).

By denying this dispute, Discover failed to conduct a reasonable investigation and improperly required me to pay for goods I never received, in violation of the FCBA and applicable consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial
State: CA

Complaint narrative:
XXXX XXXX every XXXX weeks i get a text message From a Spotloan number saying i have a missed due payment which i never pulled a loan out for and my bank account will be XXXX for a day from a XXXX accunt that is trying to take money and it resumes back to my regular amount because They are trying to pull money from my account that I dont put money on anymore because i didnt pull any loan out in my name. 
Ive Continuously made multiple attempts through credit karma to remove my name off of the loan and it doesnt it continues to say I owe which is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint regarding Venmo repeatedly freezing my account and preventing access to funds that were deposited from a legitimate insurance settlement intended for car repairs. 
On XX/XX/2026, an insurance settlement related to my vehicle repair was direct deposited into my Venmo account. Shortly after the deposit posted, Venmo froze my account without providing a clear or consistent explanation. 
When I contacted Venmo support, I was initially told that the freeze was related to a bank account I had attempted to add and that I should not use that bank account again. Venmo later confirmed in writing that my account was unfrozen and instructed me to add a different bank account to transfer my funds. 
I followed these instructions exactly. 
After attempting to add a new personal bank account, my Venmo account was frozen again. When I contacted phone support, I was told that adding the new bank account was the reason for the freeze. This directly contradicted the prior written instruction from Venmo to add a different bank account. 
Support representatives have provided inconsistent and contradictory explanations, including : Saying the original bank account was the problem and should not be used. 
Then stating the new bank account was the problem. 
At another point stating that the new bank account caused the original freeze, even though I had not attempted to add that new account at that time. 
As a result of these repeated freezes and conflicting instructions, I remain unable to send payments, link a bank account, or transfer my funds. 
These funds are insurance proceeds specifically needed for vehicle repairs. Because I can not access my money, my car repairs are delayed and my vehicle remains unusable, directly impacting my ability to work and manage daily responsibilities. 
Additionally, Venmos customer support has been unprofessional and inconsistent, providing different explanations across email and phone support and failing to resolve the issue despite multiple contacts and document submissions. 
I am requesting that Venmo : Immediately remove all remaining restrictions from my account. 
Allow me to link a valid bank account and transfer my funds. 
Provide a clear written explanation for why my account was frozen and re-frozen. 
Improve internal consistency so customers are not given contradictory instructions that lead to further account restrictions. 
This situation has caused financial harm, unnecessary stress, and significant disruption to my ability to repair my vehicle and meet essential obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint about Equifax regarding recurring charges for a trial creditmonitoring product I canceled. I first subscribed to an Equifax XXXX in XXXX and canceled in XXXX. In or around XX/XX/XXXX, Equifax began charging me again ( about {$4.00} per month ) even though I had not authorized any renewal. These charges have been force pushed on a closed account through using recurring billing, including on a card that was itself canceled in XX/XX/XXXX. I have repeatedly told Equifax that I canceled and revoked authorization, posses audio file recorded revoking CC but they continue charging. I have also asked my bank to stop these charges, it would mean close my account. I am asking the CFPB to require Equifax ( 1 ) stop all future payments, ( 2 ) refund all charges taken after my original cancellation, and ( 3 ) confirm in writing that no further transactions will be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: TX

Complaint narrative:
A personal loan application was completed and electronically signed on Sunday, XX/XX/year>. No funds have been disbursed, delivered, received, or settled. 

On Monday, XX/XX/year>, prior to any disbursement, written and verbal notice of withdrawal was provided under Section 5 of the Member Agreement, which permits withdrawal prior to disbursement of funds. 

Despite this notice, XXXX XXXX XXXX repeatedly stated the loan could not be canceled once documents were e-signed, asserting that internal funding or account creation constituted disbursement. Company communications state that funding is anticipated in the future ( XXXX business days ), confirming that disbursement had not yet occurred. 

XXXX advised that once funds are received, the only option would be to repay the loan and pay origination fees and interest, despite withdrawal prior to disbursement. This was declined. 

A written notice of dispute and intent to arbitrate was submitted and was improperly closed as a duplicate inquiry rather than escalated to Legal or Compliance. Requests for escalation and for copies of recorded telephone calls have not been properly addressed. 

This complaint is submitted to document timely withdrawal prior to disbursement, non-authorization of funding or fees, and refusal by the servicer to honor the written agreement or properly escalate the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
payments were drafted out they miss filed reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BILL.COM, LLC
State: CA

Complaint narrative:
Bill LLC is a credit card processor. My business ( XXXX XXXX ) ended its subscription on XX/XX/XXXX. 
Root Cause : BILLs statement descriptor on client credit statements failed to display " XXXX XXXX, '' causing customers to flag charges as unrecognized. Despite customers reversing these disputes and being re-charged, BILL has failed to return the funds to XXXX XXXX. 
Case 1 : Invoice # XXXX ( {$15000.00} ) XX/XX/XXXX : Payment settled into XXXX XXXX XXXX XXXX account ( Exhibit A ). 

XX/XX/XXXX : Client disputed the unrecognized " BILL.COM LLC '' charge ; BILL withdrew {$15000.00} from my account ( Exhibit B ). 

XX/XX/XXXX : Client ( XXXX XXXX ) reversed the dispute with XXXX ( Exhibit C ). 

XX/XX/XXXX : Client confirmed the dispute reversal was finalized and he was re-charged by BILL ( Exhibit D ). 

XX/XX/XXXX : BILL Support confirmed the transaction in their system ( Ref ID : XXXX ; Trace : XXXX ) ( Exhibit E ). Status : Funds were removed from my account and paid by the client to BILL, but BILL refuses to remit the {$15000.00} to XXXX XXXX. 

Case 2 : Invoice # XXXX ( {$2800.00} ) XX/XX/XXXX : Deposit settled ( Exhibit A2 ) and was subsequently removed by BILL ( Exhibit B2 ). 

XX/XX/XXXX : Client ( XXXX XXXXXXXX ) notified BILL and XXXX XXXX that the dispute was reversed ( Exhibit C2 ). 

XX/XX/XXXX : Despite notice of reversal, BILL withdrew {$2800.00} from my account. 

XX/XX/XXXX : Client confirmed with XXXX that the charge was finalized and paid to BILL ( Exhibit E2 ). Status : BILL has admitted via email that the error was caused by their software ( see Supplemental Pack ), yet the {$2800.00} remains in BILLs possession. 

XXXX XXXX Withheld : {$18000.00} XXXX XXXX demands the immediate return of these funds, which have been double-collected or held by BILL despite confirmed payment by the clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
I am filing a complaint regarding unauthorized transactions and an improperly handled dispute. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, three unauthorized transactions of {$990.00} each were charged to my account under the merchant name XXXX. I did not authorize, recognize, or benefit from any of these transactions. 

I reported the issue immediately and filed a dispute with my bank. The dispute ID is XXXX. Despite reporting the transactions promptly and providing all requested information, the dispute was not resolved properly and the charges were not permanently credited back to my account. 

I believe the investigation was inadequate, and my rights under applicable consumer protection laws were not fully honored. I am requesting a proper reinvestigation of these unauthorized charges and a full refund of the disputed amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
My XXXX XXXX XXXX child has a XXXX  account with Capital One. They have the childs date of birth and are fully aware that a child of this age is ineligible to have a credit card. They mailed a preapproved card in my childs name - that could have been stolen and activated - to a XXXX. Their only resolution was to stop all credit card offers to my address- with the caveat that anything already in process for 45 days cant be stopped. 
The promotion should have never been targeted to the age demographic. 
This is a major risk in todays environment of mail fraud and stolen identities. It was reckless of this financial institution. They also provide no mechanism to connect with anyone to discuss how this happened and prevent it from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> i receive the information from Usaa stating that XXXX XXXX and XXXX XXXX  was my wife and daughter this is inaccurate information i have no affiliation to either party. I have ask for Usaa to provide me with documents that i have requested from there bank account showing were these payments were late and information were i co-sign for both .Usaa has refuse to provide me with these documents under the fair credit act these accounts must be updated to paid as agree or delete

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX of 2023 someone applied for and received it to student loans in my name using stolen information. Upon receiving this information on my credit report, I opened dispute. That dispute was denied by XXXX XXXX XXXX XXXX. Since Ive been in contact with MOHELA. I have symptom to certified letters and all the relevant information to their student portal. Information has been acknowledges received, but no resolution has come about as of yet. I have also filed a police report and an affidavit with the FTC. and a affidavit with the FTC showing this as fraud.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
A debt collector, Jefferson Capital Systems, is attempting to collect and report a XXXX Monthly Loan that does not exist. I contacted XXXX directly and they confirmed I have never had any XXXX loan, XXXX XXXX, or similar account. Despite this, Jefferson Capital is reporting this to credit bureaus. They can not provide a signed contract, account records, or proof that XXXX assigned this debt to them because the account does not exist. I disputed this with the credit bureau and requested validation from the collector. This is inaccurate reporting under the FCRA and an attempt to collect a debt not owed under the FDCPA. I am requesting immediate deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation