vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: CA

Complaint narrative:
CREDIT CONTROL SENT THIS OFFER I PAID IT Get Ready for Discounts! See the savings that are waiting for you. If you need some debt relief, take advantage of the savings shown below. You can get rid of this debt for less than what you owe. Option XXXX : Resolve your account in XXXX payment of {$340.00}. You save {$510.00}! XX/XX/XXXX XXXX Purchase - {$340.00} Location : XXXX, MO Purchase XXXX : XX/XX/XXXX Category : Miscellaneous/Bill Pay ( BP ) Hi XXXX, Thank you for your payment authorization! This is being sent to confirm that authorization was provided on XX/XX/XXXX to Credit Control , LLC for the following transaction ( XXXX ) : Account Number : XXXX Payment Method : XXXX First Payment Date : XX/XX/XXXX Number of Payments : XXXX Payment Amount : {$340.00} Payment Frequency : Once Should you have any questions or concerns regarding this payment or your account, please do not hesitate to contact us. In the event your funds do not clear through the banking system, this arrangement may be null and void. You may change or cancel one or more of these payments by contacting us using any of the below options. * Call toll-free at XXXX * In writing to Credit Control , LLC, XXXX : XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX By email to XXXX Thank you for your commitment! XXXX XXXX Credit Control , LLC XXXX XXXXXXXX This communication from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. { XXXX } It is the policy of the current creditor to delete the tradeline upon satisfaction. Please note, this applies only to the tradeline reported by XXXX XXXX XXXX and will not affect the tradeline of the original creditor or any other third party. { XXXX } California XXXX Collector License Number 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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am formally disputing this account for inaccurate, misleading, incomplete, and unverifiable reporting under the Fair Credit Reporting Act ( FCRA ). This account is currently being reported as a charged-off revolving account with a reported balance of {$6400.00} that exceeds the original credit limit of {$5200.00}, which raises serious concerns regarding the accuracy of the balance calculation, fees, interest, and overall reporting of this alleged debt. Additionally, the reporting contains incomplete and missing information, including missing original creditor details, incomplete activity records, and incomplete verification data. I have never been provided with competent evidence proving that I legally authorized, signed for, or accepted responsibility for this alleged account or debt. I demand full validation of this account, including the original signed agreement bearing my signature, complete payment and billing history, a detailed accounting of all charges, fees, and interest added to the account, proof of ownership of the alleged debt, and the method of verification used to validate this reporting. Furthermore, I never gave consent, authorization, or knowledge for my consumer report, personal information, or alleged account information to be viewed, furnished, transferred, shared, or sold to any XXXX party. Any continued reporting, furnishing, or sharing of unverified information without my authorization is formally disputed. Until complete lawful verification is provided, I request the immediate deletion of this account from all consumer reporting agencies I would like the original document with my signature on it as well. I would like all This information in writing Sincerely, 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 non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had autopay set up with XXXX XXXXXXXX for my workers compensation insurance. My normal monthly payments were around {$250.00}. On or around XX/XX/year>, The XXXX withdrew {$5400.00} from my Chase account in a single transaction. This amount is more than XXXX times my usual payment and was taken with no prior notice or explanation for that specific large amount. I immediately contacted XXXX XXXXXXXX. They stated the large withdrawal was due to a workers compensation audit estimate and that the amount would be adjusted later once the audit was complete. I then contacted Chase and disputed the transaction. Chase initially reversed the {$5400.00} charge. However, Chase later informed me that the reversal was being clawed back because XXXX XXXXXXXX claimed it was authorized under a contractual agreement. Chase has now notified me that they will debit my account for the full {$5400.00} on XX/XX/year>. I have already lost one dispute with Chase due to the contractual agreement claim. This was a surprise, unusually large withdrawal far outside my established autopay pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I downloaded an application via XXXX XXXX called Oportun, this application promised tools to help you save money and manage bills. Once I connected my bank account, they immediately started charging my account ( without notice at all ). They charged my account twice, XXXX transaction of roughly XXXX USD, then the XXXX transactions being notably larger ; XXXX USD. I did not authorize these payments, they were disguised as " rainy day '' transactions in-app and are labeled as in progress in Oportun, XXXX it being taken out of my bank. I called my bank, they told me to report this as well as to call Oportun directly before disputing with my bank. Oportun told me to call another number ( I did, they just hung up ). While on call, they told me I called the wrong department and nothing could be done and that I need to send an email DESPITE me telling them I already sent the email. Now, I am XXXX dollars down the drain with a closed Debit card, and my bank wants me to directly call them tomorrow morning to get the charge disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding collection accounts appearing on my credit report that do not belong to me. I actively monitor my credit, and these accounts were reported without my knowledge or authorization. I have never had any involvement with or approved these accounts, and it is unacceptable and concerning to see inaccurate information associated with my name. I am requesting an immediate investigation and prompt correction of this matter without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: GA

Complaint narrative:
I dont know who this company is and they put this on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XXXX XXXX is marketing on XXXX. PNC management warned loan officers several times that no loan officer is allowed to market on XXXX group, If XXXX is allowed, this is discrimination to other PNC loan officers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: TX

Complaint narrative:
I had a balance of {$2000.00} on my Cash App balance and first, {$300.00} was used unauthorized to purchase and send bitcoin, then transactions of my remaining {$1700.00} was sent to the Cash App savings then back to the Cash App balance then my linked bank account was replaced with a random bank account and the remaining {$1700.00} was sent to that newly added bank account, unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp.
State: CO

Complaint narrative:
In a prior complaint ( complaint # XXXX ) Relay Financial responded that my account had been closed on XX/XX/year> and that a check for the balance of the funds in my account which amounted to {$4700.00} would be disbursed to me by check. In their response, they said that the check would take XXXX business days to arrive. It is now XX/XX/year> - over a month from the date of the account closure. My case has not been resolved. My Relay account shows a {$0.00} balance and my funds are at least XXXX weeks overdue, if not more. These funds seem to be lost or stolen at this point. Relay is not communicative. My address is correct in my online profile. There is no excuse for me still not having my funds. I now have a well documented series of complaints and responses with dates and promises by Relay that have not materialized. I'm not sure what else to do after this final complaint attempt but to seek legal action to recover my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I am filing this complaint because Citizens Bank provided a factually false response to my previous complaint ( Case # XXXX ). The bank claimed my account was closed and denied my promotional bonus on those grounds. This is a lie. The account is open, active, and funded. I have attached my most recent bank statement proving the account remains wide open. Citizens Bank is acting in bad faith and falsifying records to avoid paying a contractually obligated promotional bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
There are no options for my situation. I'm begging for anything to address. Company has made XXXX attempt but negative reports on credit. This is a dept to utility company. From 2021. Maryland law says it's a zombie debt. Collection agency has no records attached to my social security number. Keeps asking for account number which I can not provide because they won't mail Anything ... Help please

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 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
My credit card is cant use my debit card I can't use my savings is being closed because XXXX marked.as suspicious activity its been like this for XXXX days I cant.feed my kids now for XXXX days im late.on bills I can't make any other purchases my kids missed school I can't put gas in my car I cant.get to work im probably loosing my jobs I had scheduled. You have a bank account for your money. You have savings for an emergency and you have a credit card for.back up I haven't been able.to use any in 3 days I couldn't pay dinner and extremely embarrassed in front of all my friends.and.family mostly when I asked.everyone out to dinner and planned on paying for everyone. This isnt a safe problem for.my account this is passed.that.i verified all transaction and did everything im going to call my phone company and.get the exact numbers I called and.how many house I have sat on the phone with us bank. My kids health is now at.risk they haven't had food they haven't. Gone to school and im going to lose.my job because my bank is withholding me from all my money saving checking and credit card .this is not.a matter of.my account safety this is a.matter.of.my banks lack of.everyone doing there job I am contacting a lawyer this is against all the federal laws. If.you guys would like.to do a good will contact for.everything awesome if not a lawyer will be in touch by the end.of the week.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Im writing to file a complaint against SPRINGOAKCAP for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am formally disputing this account for inaccurate, misleading, incomplete, and unverifiable reporting under the Fair Credit Reporting Act ( FCRA ). This account is currently being reported as a charged-off credit card account with a balance exceeding the original credit limit, which raises serious concerns regarding the accuracy of the reporting and the calculation of the alleged debt. Critical account information is incomplete or missing, including original creditor details, activity records, and proper verification documentation. I have never been provided with competent evidence proving that I legally authorized, signed for, or accepted responsibility for this alleged account or debt. I demand full validation, including the original signed agreement bearing my signature, complete payment and billing history, proof of how the reported balance was calculated, proof of ownership of the alleged debt, and the method of verification used to validate this account. Furthermore, I never gave consent, authorization, or knowledge for my consumer report, personal information, or alleged account information to be viewed, furnished, transferred, or sold to any XXXX party. Any continued reporting or sharing of unverified information without my authorization is formally disputed. Until complete lawful verification is provided, I request the immediate deletion of this account from all consumer reporting agencies. Please provide me with all This information in writing Sincerely, 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 non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/year> I tried making an online purchase using my Comenity XXXX Mastercard in the amount of {$380.00}. During the checkout process I received a prompt for a Mastercard ID check a code was sent to my phone number on file. I entered the code, however the transaction did not go through. I did not receive any alerts from Comenity via telephone or email to confirm the transaction, so I called the company because I had an enough available credit to process the transaction. I called at XXXX am, and went through all of the verification prompts, spoked to an agent in the fraud department whose name begins with XXXX. I answered her security questions by giving her my full name, date of birth, last XXXX of my social security number, and the amount of my last payment. Then she asked for my email address, I refused to provide this information, this is too much information for an account holder to make a simple purchase. It is also very suspicious that this much information would be needed, at this point I dont know if my call to Comenity was intercepted and I am giving my information to an unknown person. I expressed this concern to the agent and she expressed that she works at a Bank and would not commit fraud. This was a ludicrous statement, working at a Bank does not stop someone from preventing fraud. I asked to speak to a supervisor the agent refused and hung up the phone on me. This horrible customer service. .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
I enrolled in a debt-resolution program that included a XXXX credit-card account. The company charged settlement/program fees and represented that payments were being made under a XXXX settlement XXXX. On XX/XX/XXXX, I contacted XXXX directly. XXXX told me the company entered a settlement around XX/XX/XXXX, but that the settlement defaulted in XX/XX/XXXX because XXXX did not receive the required settlement payment. XXXX also said payments received from XX/XX/XXXX forward were applied to the original debt balance, not the settlement balance. This conflicts with the company/payment processor records, which show {$470.00} payments to XXXX beginning XX/XX/XXXX and continuing monthly. I requested the XXXX settlement agreement, proof I approved the settlement and fees, payment records, fee records, and an explanation of why XXXX says the settlement defaulted. The company has not provided the settlement agreement or proof of my approval. I cancelled/withdrew from the program and instructed the company and related entities to stop withdrawals, stop disbursements, and refund remaining funds. Despite that, the updated payment ledger shows a {$69.00} settlement fee charged on XX/XX/XXXX, a {$470.00} XXXX payment made on XX/XX/XXXX, and a remaining dedicated-account balance of {$22.00}. I dispute {$1300.00}. This includes Chase-related settlement/program fees, the {$470.00} payment made after cancellation, and the remaining dedicated-account balance. I am requesting a refund, cancellation of all remaining Chase-related fees, confirmation that no further withdrawals or disbursements will occur, and copies of the XXXX settlement XXXX, approval records, payment records, fee records, and a written explanation of the settlement default.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect Inc. has been reporting a collection account on my credit report for approximately XXXX year. I have made multiple attempts to validate this debt and received no response, which is a violation of the FDCPA The following issues exist with this account XXXX. The date of first delinquency is reported as XX/XX/XXXX. This is incorrect that was my move in date, not a delinquency date. My lease did not expire until XX/XX/XXXX and my move-out date was XX/XX/XXXX. Any alleged debt could only have originated after that date. XXXX. The reported balance includes {$1500.00} for carpet replacement. Under Texas law, landlords can not charge tenants for normal wear and tear. I resided in the unit for over XXXX year, making this charge unenforceable. XXXX. The balance also includes utility and fee charges for 75 days after my move-out date of XX/XX/XXXX. I was not in possession of the unit and am not responsible for these charges. XXXX. I previously requested debt validation from ProCollect and never received a response. They have continued to report this account without providing any validation

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 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
Yes I have a cash app account from XXXX that had remaining balance XXXX wasn't able to access the fund of XXXX XXXX 3 months ago i received a letter about that in have submitted everything proving it is mine XXXX they accepted all my documentation XXXX the letter from cash app about my money XXXX I also head to send a selfie with me holding my in XXXX address XXXX then I received a email from cash app stating that they were going to be sending a check so all this process took way longer than it should so now they r giving me excuses on why they can't seem to send my check they send they r having issues processing check due to there cash app account problems XXXX then they stated on XXXX respond from me questioning them to see what is the issue because XXXX XXXX department approved all the information XXXX was issuing the check XXXX then act like they don't have the my money XXXX that is not true they still have my money XXXX technically they shouldn't have it should of been sent to the state so I could recover it by there own letter they sent they were supposed to receive it to the state of Florida on XX/XX/XXXX XXXX by law 5 years was the XXXX on holding my money so I don't get why they r not processing my check there cash app problems r not my concern they r now prologueing my on purpose I feel like because I been trying to get this money for months now everything worked out in my favor XXXX got email saying they needed my name XXXX address to send my remaining balance by check they r still not sending XXXX now I feel like they r illegally holding my money XXXX taking there time on issueing my check

Company response to consumer: Closed with explanation