vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: NY

Complaint narrative:
On multiple occasions my account would randomly go into the XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX. On XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. On XXXX XXXX $ XXXX this goes back even further to last year and will have to dig into my statements .. at first the account would only go negative and small amounts so it seemed normal to me but then I started noticing it would go - {$78.00} - {$190.00} and so forth my overdraft protection was off initially so I should never even have gone negative in those amounts Ive contacted the bank PNC and ask them what was going on. They informed me that everything looked normal so I couldnt argue with them because on paper things look normal. But I started paying closer attention to my account and only began adding money into the account that I knew I was about to spend that way there could never be a discrepancy on a negative balance if Im only adding money into the account that Im about to spend, theres never a reason to go negative and again the account went negative. I started paying closer attention and noticed that when I would make a purchase certain transactions would take the purchases amount out of the available balance and then go into a pending status. Then a few days later when that transaction would clear would cause the account to go negative. I informed the bank what was happening and they said on paper everything looked normal. I told them I dont disagree with them that on paper its normal but I informed them also that when I made the purchase it took it out my available balance and when it cleared again, thats why it went negative. Its and that it was only showing up as one transaction. They refused to help and now Im seeking legal rest resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Accounts frozen, was attempting debit card transaction. Been a customer and never caused any problems. Been going on for some time. Wasn't notified or anything about this ; cards not working and account blockage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
They refuse to refund money after they stole money they were overpaid amount of rent refuse to return after reaching out to the property I was informed they were overpaid of of rent payment of XXXX amount refuse to give customer amount owed to them bad business miss management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I submitted a Debt Dispute and Validation Request dated XX/XX/XXXX to Resurgent Capital Services L.P. under the name XXXX XXXX regarding account reference ID XXXX, account ending in XXXX, originally with XXXX XXXX XXXX , currently owned by LVNV Funding LLC . Notably, despite my letter being signed XXXX XXXX, Resurgent 's response letters came back addressed to XXXX XXXX confirming they connected both names to the same account and knew exactly who I was. In my validation request I specifically requested : a copy of the original signed contract, a full balance breakdown, a Bill of Sale proving LVNV legally purchased this debt from XXXX, and confirmation of their Alabama collection license. I also explicitly requested they cease all collection activity while the dispute was pending. Instead of providing proper validation, Resurgent sent me an " Account Summary Report '' dated XX/XX/XXXX generated internally by their own office. This is not legal validation. It contains no signed agreement, no original account terms, and no Bill of Sale proving chain of ownership. Additionally the documents they provided are factually contradictory. The XXXX billing statement they enclosed shows a New Balance of {$0.00} as of XX/XX/XXXX, while their internal summary simultaneously claims I owe {$4900.00}. Despite my open validation dispute and explicit written request to cease collection activity, Resurgent continued sending collection text messages to my personal cell phone from shortcode XXXX on XX/XX/XXXX before they even responded to my validation request and again on XX/XX/XXXX. This is a direct violation of the FDCPA which requires all collection activity to cease during a dispute period. This account has since been deleted from all three of my credit bureau reports. I am requesting that LVNV Funding LLC close this account permanently, confirm it will not be resold to another collector, and provide written confirmation of permanent cessation of all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
I have three rental propertys they all had me to commit XXXX XXXX XXXX trying to figure out how I could get all of my loose ends for I can live in my apartment normal with my electronics cooperating with public I have all my personal property tax paid on time Im willing to stand before the court of the law for a XXXX XXXX to keep my son from having to fear for earth we need all rental agreements without cfpb getting involved to lower scum of the earth

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 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was forced to use the XXXX app by signing up XXXX XXXX for the XXXXXXXX XXXX XXXX. When I want to transfer money to my main bank account, the XXXX app charges a {$2.00} transfer fee every time. This becomes a financial inconvenience for everyone who completes these type of transactions

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates regarding a disputed collection account appearing on my XXXX report dated XX/XX/XXXX. Portfolio Recovery Associates is reporting a {$660.00} collection account allegedly from XXXX XXXX XXXX. I dispute the account, balance, claimed ownership, authority to collect, authority to furnish, past-due status, account classification, dates, payment history, and completeness of the information being reported. The XXXX report lists Portfolio Recovery Associates as a debt buyer, reports the account as opened on XX/XX/XXXX, status updated XX/XX/XXXX, balance updated XX/XX/XXXX, original balance {$660.00}, current balance {$660.00}, past due amount {$660.00}, and Terms : 1 Month. The report does not identify any company sold/assignment chain and does not show the date of first delinquency, charge-off date, last payment date, itemization date, or records proving that Portfolio Recovery Associates owns the account and has authority to collect or furnish it. I am not admitting liability for this debt. I am formally disputing the debt and requesting complete validation and verification. Under Regulation V, direct disputes include disputes about liability, account terms, balance, payment status, account dates, and other information on a consumer report that bears on creditworthiness. A furnisher receiving a proper direct dispute must conduct a reasonable investigation, review relevant consumer-provided information, and report the results within the FCRA dispute period. Under FCRA 1681s-2, furnishers must not report information they know or have reasonable cause to believe is inaccurate, must correct and update information that is incomplete or inaccurate, and must include notice that information is disputed when continuing to furnish disputed information. Documents requested Portfolio Recovery Associates must provide : The purchase agreement, bill of sale, and complete chain of title identifying my specific account. The full itemization of the amount claimed owed, including principal, interest, fees, credits, payments, dates, and itemization date. The name of the current creditor to whom the debt is allegedly owed. The original creditors account-level documentation showing the alleged obligation. The date of first delinquency, charge-off date, last payment date, and supporting records. Verification that the statute of limitations has not expired, including the dates and records used. The agreement, assignment, servicing agreement, or other documentation authorizing Portfolio Recovery Associates to collect and furnish this account. The XXXX XXXX reporting basis for reporting Terms : 1 Month, a past-due amount, and collection payment-history coding. Proof that the account was reported with accurate ownership, balance, status, dates, and dispute notation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this formal dispute regarding inaccurate, inconsistent, and potentially unverifiable information currently being reported on my credit files by Experian and Equifax concerning multiple XXXX XXXX CO accounts and an XXXX XXXX XXXX charge-off account. On Experian , the account XXXX XXXX CO ( account ending XXXX, balance {$9700.00}, opened XX/XX/XXXX ) is being reported as a current account/was delinquent while also reflecting severe derogatory history, including a reported XXXX delinquency for XX/XX/XXXX and notation indicating the account was 90 days past due XXXX or more times, despite a last paid date of XX/XX/XXXX. This reporting raises concerns regarding the accuracy, consistency, and proper verification of the delinquency history, account status, and payment reporting timeline. Additionally, both Experian and Equifax are reporting XXXX XXXX CO ( account ending XXXX, balance {$0.00}, opened XX/XX/XXXX ) as a late closed account marked tied up, which is an unclear and undefined designation that creates confusion regarding the true status of the account and raises concerns regarding potential duplication, improper linkage, or inaccurate reporting. Equifax is also reporting AVADIAN CREDIT UNION ( account ending XXXX, balance {$67.00} ) as a charge-off account marked tied up, without any clear explanation or supporting documentation substantiating the balance, charge-off status, or the meaning of the tied up classification. I have not been provided with sufficient documentation, including complete payment histories, account records, charge-off documentation, or records explaining the tied up designations. Under the Fair Credit Reporting Act, including 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to maintain maximum possible accuracy, conduct reasonable reinvestigations, and ensure that all reported information is complete, accurate, and properly verified before continuing to report 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 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
First point : The original XXXX XXXX charges were imposed despite valid insurance coverage existing at that time. The later cancellation of that policy in XXXX does not retroactively justify the earlier XXXX charges or the delinquency and fees that resulted from them. Second Point : XXXX continued escalating : escrow delinquency fees collection pressure acceleration threats I ultimately paid under pressure to protect my home from foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: TX

Complaint narrative:
I am filing this complaint regarding a disputed XXXX transaction and the conflicting information I have received regarding the outcome of the chargeback and the location of my funds. A transaction processed through XXXX later became the subject of a chargeback/dispute. During the process, I received communication from my credit card issuer indicating that the dispute had been denied. However, I later received an email from XXXX stating that XXXX lost the chargeback dispute with the senders credit card company and that the matter could not be disputed further. As a result, I have received contradictory information from both parties and I still do not know the final status of the dispute or where the disputed funds are currently located. I have contacted XXXX customer service multiple times requesting clarification regarding : - the final outcome of the dispute- whether multiple disputes or case numbers exist - whether XXXX retained or released the funds- where the disputed funds are currently being held Despite these requests, I have not received a clear explanation and continue receiving generic or incomplete responses. I am requesting a full review of this matter and written clarification regarding the status and location of the disputed funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute for a {$910.00} transaction after booking an XXXX that was not as described. Upon arrival, the home was infested and not in livable condition. I immediately attempted to contact XXXX multiple times to report the issue and seek a resolution, but no meaningful action was taken to resolve the problem or provide a refund. After receiving no resolution from XXXX, I filed a dispute with my bank regarding the transaction. XXXX has since responded stating they can not assist further and that it is now up to my bank to resolve the issue. It has now been several months since the dispute was filed, and the matter remains unresolved with no refund or temporary credit issued. I am requesting a full refund of {$910.00} or a temporary credit while the investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
collection activity and failure to provide proper validation of the alleged debt referenced above. I previously disputed this alleged account and requested validation on multiple occasions pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including requests for competent evidence of the alleged debt, proof of your legal authority to collect, the complete chain of title/assignment of the alleged account, a copy of the original signed contract or agreement bearing my signature, and documentation establishing the accuracy and legality of the account reporting. Copies of my prior dispute and validation requests, along with proof of delivery, are enclosed for your review. To date, your company has failed to provide : A complete and unbroken chain of title demonstrating lawful ownership and assignment of the alleged debt ; Competent evidence establishing your legal standing and authority to collect ; A copy of the original signed contract or agreement bearing my signature ; Complete account-level documentation sufficient to validate the amount claimed ; Proof that the alleged debt was lawfully transferred or assigned pursuant to applicable law. Despite receiving my disputes, your company continued collection activity and/or continued furnishing information regarding the alleged debt without providing competent validation as required by law. Such conduct may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Florida Consumer Collection Practices Act ( FCCPA ), including but not limited to Florida Statute 559.72, which prohibits persons from asserting, attempting, or threatening to enforce a debt when such person knows that the debt is not legitimate or when the debt is disputed and proper investigation has not been conducted. Providing limited payment histories, account summaries, spreadsheets, or generic billing statements does not satisfy the legal requirements for proper validation where the debt has been formally disputed and where ownership and standing remain unverified. Your continued collection efforts after notice of dispute, combined with the failure to provide sufficient validation and proof of standing, may further constitute unfair, deceptive, or abusive collection practices under applicable federal and Florida law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I wrote written statements to prepaid Bank of America dispute department services I filed a dispute my claim been denied since XXXX in unauthorized atm withdrawals amount {$22000.00} fraudulent transactions without my consent Im a victim of theft I ask for photos when someone was making withdrawals for a year straight still no photos I been requested 7 times in I filed multiple police reports in sent them in

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 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/year> I received a letter from Bank of America notifying me that two of my credit card accounts had been closed. I was given no prior warning and no opportunity to redeem my earned rewards before closure. Account XXXX I had accumulated XXXX rewards points which were forfeited at the time of closure without notice. Account XXXX I had {$25000.00} in accumulated cash rewards which were forfeited at the time of closure without notice. I have called Bank of America XXXX XXXX since XX/XX/year> to request an explanation and reinstatement of my rewards. My attorney has also contacted Bank of America representatives directly. We have received no explanation and no resolution. The account closures have severely impacted my business XXXX XXXX XXXX XXXX. Our vendors have been unable to deposit payments for services already rendered to our patients and clients since XX/XX/year>, causing ongoing financial harm. I am requesting the following : 1 ) Immediate reinstatement of XXXX rewards points 2 ) Immediate reinstatement of {$25000.00} cash rewards XXXX ) Full written explanation of why both accounts were closed without notice XXXX ) Confirmation that my personal and business credit reports have not been negatively impacted ''

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 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Meta Payments Inc.
State: MO

Complaint narrative:
I am requesting a full refund of {$320.00} that is currently held in my Meta Ads account. After my account was suspended, I was officially informed that a refund would be issued and that the funds would reach my bank account within XXXX business days. However, more than 20 days have passed, and the money has not arrived. When I log in, the platform shows that the refund has already been 'completed, ' but the {$320.00} balance is still visible and stuck inside the suspended account. I have tried to contact customer support multiple times, but I am only able to interact with an automated AI that refuses to transfer me to a human representative or provide a tracking number ( ARN ) for the transaction. I have video evidence showing the funds still sitting in the account after the date they claimed to have sent them. I demand the immediate release of my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: MS

Complaint narrative:
Had a loan BMG money I refinanced it and paid it off but Unfortunately they are stating the account is a write off on my credit report they advise they would fix it and as of 1 year it still shows written off when it was refinanced then paid off in full

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XX/XX/year> I contacted IRS about my rights and i am waiting on a hearing from XXXX I received notification that they will contact me.. I received a letter from HARRIS & HARRIS XXXX XXXX that they are trying to collect a debt and added XXXX XXXX of interest I dont owe DATED XX/XX/year> I havent had fair hearing before this debt decision was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
There was nothing taken from the company. it's just when i try and open an account with them it says my identity can't be verified. There was accounts opened in the past that were opened without my consent.

Company response to consumer: Closed with explanation