vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX XXXX was stolen and declared a total loss. XXXX XXXX issued a payment of {$36000.00} to American Honda Finance on XX/XX/XXXX. Despite this, Honda Financial continued billing the account, reported it as past due/default, and has refused to provide a written total loss payoff, payoff calculation, confirmation of insurance payment application, or full account history. I am requesting written confirmation of the payoff amount, proof of how the insurance funds were applied, confirmation that the account is properly closed ( or remaining balance if any ), and correction of any negative reporting related to this total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SLM CORPORATION
State: IN

Complaint narrative:
I am filing this complaint regarding Sallie Mae and XXXX XXXX XXXX XXXX for damaging my XXXX sons credit while his XXXX XXXX XXXX XXXXXXXX paperwork was submitted and under review. Despite providing the required documentation, they have continued reporting negative and delinquent information to the credit bureaus, causing serious financial harm. This reporting is inaccurate and unfair given his documented XXXX status, and I am requesting an immediate investigation, correction of the credit reporting, and confirmation that the account is properly handled under XXXX discharge review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
1 ) Furnisher : CBA Account Number : XXXX Reported Amount : {$12.00}, XXXX XXXX ) Furnisher : XXXX Account Number : XXXX Reported Amount : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am submitting this complaint regarding interest that was added to my Synchrony Bank ( XXXX XXXX ) credit card account. I had XXXX promotional balances on my account. XXXX promotional balance of {$320.00} was set to expire in XX/XX/year>. In XX/XX/year>, I made a payment of {$550.00}, which exceeded the full amount of the promotional balance that was expiring in XX/XX/year>. I made this payment with the understanding that it would satisfy the expiring promotional balance. However, the payment was applied in a different manner, and the XX/XX/year> promotional balance was not fully cleared. As a result, {$60.00} in deferred interest was later added to my account after the promotional period ended. I acted in good faith and reasonably believed that my {$550.00} payment covered the expiring promotional balance since it exceeded that amount. I was not clearly informed that the payment would not be applied in a way that would prevent deferred interest from being triggered.

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 2026-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account : Transworld System Account number : XXXX Date opened : XX/XX/year> Balance : {$950.00} Ive reported multiple times this was not me that opened this account. A family member did this in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified deposit-account reporting furnished by Fifth Third Bank to consumer reporting agencies used for banking history ( XXXX XXXX XXXX-type reporting ) . My consumer report shows a negative entry from Fifth Third Bank listed as checking account fraud and account closure. I mailed written disputes by certified mail to both Fifth Third Bank and the reporting agency, and delivery was confirmed. I requested the specific documentation used to support and verify this reporting. Fifth Third Bank responded stating the account was closed by its Fraud Department and that the reporting was accurate, however the bank did not provide the underlying records, transaction documentation, or verification method used to confirm the reporting. No evidence of fraud was provided. I was also never given a payment option, settlement opportunity, or any method to resolve a balance directly with the bank. I did not pay or settle this account with Fifth Third Bank, and the bank has not produced records showing that the fraud designation is supported by documented activity attributable to me. Because Fifth Third verified the reporting to consumer reporting agencies after receiving a written dispute but failed to conduct or demonstrate a reasonable investigation or provide documentation, the reporting appears unverified and inaccurate. This negative reporting is preventing me from opening normal bank accounts and maintaining standard banking relationships. I am requesting CFPB assistance because I attempted to resolve the issue directly first ( certified disputes sent, delivery confirmed, and written response received ), yet the bank continues to report the account as fraud without substantiating evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: Chime Financial Inc
State: NV

Complaint narrative:
On XXXX XXXX, XXXX I made what became a fraudulent purchase for a XXXX item that never processed on my account. At that time of purchase the item screen never gave a confirmation for the purchase so I went to my chime statement for proof of the purchase and found two unauthorized charges at that same time as I looked at the clock and saw that they were just posted one minute ago. Per Chimes protocal I called each number listed as merchants and was told by each that they were not the merchant but a third party customer service agent and handled many clients and both claimed to not have any knowledge or record of any purchase by me through any of their clients. Knowing this I opened a dispute with Chimes investigation team on XXXX XXXX, XXXX and did a phone interview for both unauthorized charges a XXXXXXXX XXXX XXXX and XXXX and waited for the charges to be reversed as I told the interviewer that the customer service agent had no record of any purchase by me. They ignored that and in my opinion did not follow compliance with regulation E and something needs to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Describe what happened, and well send your comments to the companies involved. Include dates, amounts, and actions that were taken by you or the company. Do not include personal information, such as your name, account number, address, Social Security number, etc. We XXXX ask for some of this information later, to help the company identify you and your account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLIANT CREDIT UNION
State: UT

Complaint narrative:
We purchased a motorcoach RV from a dealership and they secured a loan with Alliant Credit Union. The title was not delivered to the XXXX and we were unable to complete registration. We reached out seeking guidance from the bank on multiple occasions. I have contacted Alliant Credit Union via phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX attempting to remedy this situation. The Oregon XXXX mailed XXXX a letter on XX/XX/XXXX requesting title. They did not reply, or support us in any attempt to remedy this situation. There was no title secured for the collateral they put a loan on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am filing this complaint against National Credit Systems for continued credit reporting without providing validation after receiving my formal written dispute. I disputed the alleged account in writing and sent a certified demand for validation. National Credit Systems received my certified correspondence on XX/XX/year> ( USPS proof of delivery confirmed ). In my dispute, I included documentation demonstrating inconsistencies in the reporting of this account and requested full validation pursuant to my rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. As of today : National Credit Systems has not provided any written validation. They have not responded to my certified correspondence. The account continues to be reported on my credit reports. This continued reporting without responding to my dispute and without providing validation constitutes failure to conduct a reasonable investigation and continued collection activity without proper verification. This account has caused measurable harm. I have experienced credit denials, including a denial from XXXX, and housing-related difficulties due to this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: OK

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt in its entirety and request full validation. Specifically, please provide : The full account number associated with the alleged debt. The total amount claimed, including an itemized breakdown of any fees, interest, or additional charges. Copies of any contract, agreement, or other documentation bearing my signature that demonstrates I have a legal obligation to pay your company. Documentation establishing your legal authority to collect this debt. The date of alleged default and a complete payment history for this account. Please provide documentation demonstrating that I entered into a contractual agreement directly with your company agreeing to pay this debt. Until this matter is properly validated, you must cease all collection activity, including reporting this account to any credit reporting agencies. If you are unable to provide the requested documentation, you must immediately cease collection efforts and remove any reporting associated with this account. All future communication regarding this matter must be in writing. I expect your response within the time frame required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ok, XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
XX/XX/XXXX or XXXX after being bounced around to multiple people I requested money not be withdrawn from a specific account to pay a debt settlement account and provided resurgent with a new account number and made it very clear they no longer had authorization to withdraw from my XXXX XXXX account previously used, they agreed, recieved new account info and then confirmed it would no longer be withdrawn from the previous account. on XX/XX/year> they again charged the XXXX XXXX account the one I revoked authorization from for a payment of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AK

Complaint narrative:
I was charged a cleaning fee for move out and the office had fired the person who deals with the paperwork when Covid started and I had let the manager office know I paid cleaning and since they had no one to remove that from my account after attempting to contact the apartment office several times for months they finally answered and told me the new person they hired did not have access to the older persons records and the new person had already sent it to collections without listening to my multiple voicemails or contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I received a bill from XXXX to my XXXX address dated XX/XX/XXXX for {$1100.00}, which appeared to be for a new XXXX and related services. I immediately replied that I did not initiate the purchase, but I would be happy to help them identify the person who did. I asked whether the purchase was onsite ( there should be video ) or delivery ( I was not at the address at that time, but I could help identify who was ). I asked whether the purchaser had my SSN. I also asked why XXXX would give a phone to someone without upfront payment ( this was not charged to a credit card ). I did not receive a response and apparently XXXX did not initiate an investigation or pause the billing. I received another bill from XXXX dated XX/XX/XXXX for {$1400.00} and a bill from Credence Resource Management dated XX/XX/XXXX for {$1500.00}. Both times I contacted them with nearly the identical content above. Neither replied to my communication and apparently neither initiated an investigation nor paused the billing. Earlier this week, I noticed that this matter has affected my XXXX XXXX, so now XXXX fraudulent billing practice is causing me material harm. Today, I walked into the XXXX XXXX at XXXX XXXX, and I was shocked to learn that someone can produce an ID and walk out with a XXXX dollar phone on a payment plan. Given how apparently easy it is to get a fake ID, this is shockingly reckless. Further, the staff seemed unconcerned about the potential for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer 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 redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NJ

Complaint narrative:
On XX/XX/2025, I opened a new business checking account with U.S. Bank under my existing XXXX. At the time of opening, I applied a promotional offer for a {$1200.00} bonus requiring a {$25000.00} deposit and qualifying transactions within XXXX days. Before transferring the funds, I contacted U.S. Bank to confirm that the promotional coupon was properly attached to the new account. The representative confirmed that it was attached. Relying on that confirmation, I transferred {$25000.00} in new funds and completed the required qualifying transactions. After fulfilling the requirements, I contacted U.S. Bank again and was initially told I would receive the bonus. I was later informed that I am not eligible because I previously had a business checking account within the past XXXX months. However, U.S. Bank had full visibility of my existing relationship and XXXX at the time the account was opened and when I called to confirm the promotional attachment. At no time was I informed that I was ineligible. I relied on the banks confirmation before moving {$25000.00} in new funds. If I had been informed of ineligibility, I would not have transferred those funds. I am requesting that U.S. Bank honor the promotional bonus due to reliance on their confirmation and failure to notify me of ineligibility despite having full access to my account history.

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 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Texas XXXX : [ XX/XX/1988 Portfolio recovery association XXXX XXXX XXXX, VA XXXX XXXX : CEASE AND DESIST UNLAWFUL OR UNWANTED DEBT COLLECTION COMMUNICATION To Whom It May Concern : I am writing regarding your attempts to collect an alleged debt claimed to be owed by me.Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me regarding this matter, effective immediately. Please be advised of the following : XXXX. Cease All Contact : You are to stop all phone calls, letters, emails, text messages, or any other form of communication directed to me or any third party regarding this alleged debt. XXXX. Verification of the Debt ( If Applicable ) : If you believe you are legally entitled to pursue this matter, you may provide written verification of the alleged debt as outlined under 15 U.S.C. 1692g.However, this does not permit you to resume collection contact unless you meet all legal requirements. XXXX. No Workplace or Third-Party Contact : You are strictly prohibited from contacting my employer, family members, neighbors, or any third party for any reason related to this alleged debt. XXXX. Harassment or Non-Compliance : Any further communication by your office, except where permitted by law, will constitute a violation of the FDCPA. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and any other relevant regulatory bodies. I expect written confirmation that you have received this notice and that all collection efforts toward me have ceased as required by law. Thank you for your immediate compliance. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
So randomly about a month ago PNC locked my online I called they said it would be XXXX hours it was a random security beach in the past XXXX weeks I been calling asking for awnsers no response then they tell me my account is being closed for absolutely no reason I have claims I need to file as well as statements I need from the account. They havent provided any information about what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXXI had a XXXX XXXX dollar debt on my credit report so I looked into it. It was from XXXX XXXX out of XXXX ks. I contacted them we straightened it out with the fact it didn't go through the fraud. And identity threat. Kansas counselors of XXXX XXXX KS says on my report derogatory and that the customer was not satisfied contrary to the letter I got. And I contacted them then and they said get the proof I did sent them various emails because once I get them on the pH. They hang up. This is a deliberate indifference to me and liable responsibilities to my credit score and we'll being. Why they doing it? I don't know. I don't know them people would you please contact them. 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 2026-03-01 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: WA

Complaint narrative:
Someone used my social security to open a XXXX account on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I got sent a letter saying that I owed money to XXXX from a phone line activation that I never places. I called and talked to them about it and they still said that I owed even though I called XXXX to dispute the charges on that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I changed a card number and got a new card when I sold my business XX/XX/XXXX. I am still working at this business and got a new card same kind of account. I had a reward balance at the time of {$650.00}. When I called to ask why they did not issue the reward XXXX/XXXX/XXXX they said I closed that account so they werent paying it. When I called I wanted same account with points accumulated already just a new account number. They did not tell me I was loosing reward I earned.Citi bank XXXX Reward card since 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