vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Friday XX/XX/XXXX, I walked into a Bank of America branch to deposit a cashiers check for {$51000.00}. I repeatedly explained to the teller I was needing funds immediately, after all it is a cashiers check and guaranteed funds, which should be as good as cash, and several times before she finalized the deposit, she indicated there was no hold on the funds. Immediately after she submitted it, she said funds would only be available the next day. I asked that she reverse the deposit and I would go back to the bank I had just cashed in a CD at ( XXXX XXXX ) and got the check from, and request they do a wire transfer. She stated they could not reverse the transaction. I walked back to XXXX XXXX to ask what they could do to assist and they were willing to either speak to Bank of America and verify the check or if I brought the check back they would wire the funds. Went back to BofA but they would not verify funds. On XX/XX/XXXX, the deposit settled. And then, a hold for 100 % of the funds was placed on a cashiers check for XXXX full days. Funds will only be available on XX/XX/XXXX at XXXXXXXX XXXX  CT. The deposit clearly shows that it settled and the balance reflected accordingly, I have a few other transactions that also settled and THEN the funds were withdrawn from the account. I am left having to work around a large amount of my money being held hostage while I earn XXXX interest on it and having to come up with cash to fund my life during this time. I was never notified that they were imposing an additional 7 day hold on the funds as their policy states I should have been, I saw it when I logged into my account. I have been a loyal 36 year customer in good standing, so there should be no reason to hold a cashiers check since it is guaranteed funds. I would like an investigation as to whether the bank manager, XXXX, might have done something to trigger this hold as she could not even look at me and would not speak to me when I called or went back. I would also like to be compensated for the interest this has and will cost me for 7 days. I have called customer service a few times but the answers I was given have varied from they could not see the deposit or the hold since they were still pending- call back tomorrow - nothing we can do, you just have to wait. No one can explain why a cashiers check has had a 7 day hold put on it when my credit is stellar and have never had any issues during my long banking relationship with Bank of America.

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 monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I was trying to pay an employee at a salon because I forgot to bring my debit card with me. I then started to proceed to pay by XXXX  through my bank XXXX XXXX Bank, while proceeding there was a glitch in the system that wouldnt allow me to move forward to the next page and it wouldnt let me go back because it was frozen. So I had no choice but to shut off my phone and to restart it back up and thats when putting in the information was mis entered by the last 4 digits of the receivers phone number. I didnt know their number so I had to remember and sent it out. I was trying for a good 15 or more minutes to send the money. It was {$160.00} inwhich I had to pay it twice be y my bank and XXXX wouldnt recover my money back into my account. I lost {$320.00} on that day and Im sick to my stomach. I tried contacting the person who received my money and left messages about it was sent by mistake and if they would return it. No one has responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I was adding my underage daughter XXXX XXXX to her phone. We were on the phone with Navy Federal for over an hour and a half. We were finally able to add the XXXXXXXX XXXX and set up an account for her for some reason I moved to Tennessee a year ago and I changed my addresses, but it updated on all of my accounts besides my joint account with my underage daughter so when I updated that that was fine then we updated her phone number they let the transaction go through. Had me on hold for 40 minutes someone hung up on me never called back. I had to get back in a queue to be back on hold. They then put a restriction on my account on a Saturday at XXXX XXXX  and advising that I would not be able to use my account until I go take my ID in a branch mind you I have bank with Navy Federal for a well over 12 years and never had an issue at all now this was her deposit that we were paying for her senior portrait that is not refundable. We were able to send the {$500.00} and then they blocked the account shes not able to do anything else today and today is Sunday, XX/XX/XXXX and this is the day shes supposed to be taking her senior portraits and I called Navy Federal again this morning after waking up and receiving an email and a text for number find suspicious activity and I advised them that it was mine so then when I called that they advise about a deposit that came through on my account for my son who was also on the account and he transferred it over to us and now theyre saying that they want to verify that thats correct it went in his account is under his social. He transferred it let it go. Its like theyre trying to find something that is not there theres no suspicious activity they text I responded back. It was me. I called. It automatically came up in the automated system. As soon as I called in I verified that it was me and this is a totally unacceptable to block someones money for a whole weekend as if they dont have a life or something to do in order to get it they couldve did any measure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i did not open accounts on my credit needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to withdraw {$500.00} from an ATM. The ATM malfunctioned and rebooted and did not dispense the money. I submitted a dispute through Chime to get it resolved and it was denied. I then contacted the owner of the ATM who provided me with a copy of the transaction report for my transaction. The report showed an error code and showed that no funds were dispensed even though the money was taken out of my account. I resubmitted the claim to Chime along with the copy of the transaction report. They denied it once again saying that they researched it and found no errors, even though the transaction report from the ATM shows an error and clearly shows that no cash was dispensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My husband is currently XXXX XXXX and has been since XXXX. I applied for XXXX and was told it could not be applied because we were already under XXXX with American Express. Under this the late fees and annual fee are waived. So initially they removed the fee. Now later they have added the fee back and told me the status was removed in XXXX of XXXX. I did not receive any notification of this or why it was being done. I was only told this after inquiring why the status was not still there. Other representatives told me I never applied but then I finally spoke to someone who found that the status was there but was removed. He could not tell me why just that it was removed. This is not acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
I previously submitted : Police report Identity theft affidavit Government ID Proof of address XX/XX/year> XX/XX/year> XX/XX/year> reach out and nothing was done just kept receiving letter stating " information verified as true '' Despite providing legally sufficient documentation, this account continues to report. 



Under FCRA Section 605B, you are required to block this account within four business days of receiving proper documentation. 



Failure to comply constitutes willful noncompliance under federal law. 



Please confirm in writing that this account has been permanently blocked and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding an improperly reported collection account furnished by FirstPoint Collection Resources, which is reporting a debt without providing legally sufficient proof that it has the authority to collect or report this account. 

This complaint concerns violations of the Fair Credit Reporting Act ( FCRA ) and applicable federal consumer protection standards. 

Account XXXX XXXX XXXX : FirstPoint Collection Resources Account Number : XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Allegedly Owed : {$230.00} Account Status : Closed / Collection / Charge-Off Reporting Bureau : Equifax Dispute XXXX : Consumer disputes this account information Failure to Provide Proof of Legal Assignment FirstPoint Collection Resources XXXX XXXX this account as a collection obligation without producing any valid proof of assignment or ownership. 

Under federal law, a third-party debt collector must be able to demonstrate a lawful chain of assignment from the original creditor to itself. This requires actual assignment documentation, not summaries or billing records. 

Legally sufficient proof includes, at minimum : A bill of sale, assignment agreement, or purchase contract Documentation that specifically identifies this account as part of the transfer Proof that FirstPoint Collection Resources has authority to collect and furnish data to consumer reporting agencies Merely providing a copy of a billing statement or account printout from the original creditor is NOT legally acceptable. 
Anyone can generate or reproduce a billing statement. Such documents do not establish ownership, assignment, or collection authority. 

Fair Credit Reporting Act ( FCRA ) Violations By continuing to report this collection without proof of legal assignment, FirstPoint Collection Resources is violating, but not limited to : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Furnishing information that is inaccurate, incomplete, or materially misleading. 

XXXX XXXX. XXXX ( b ) Failure to conduct a reasonable investigation after dispute. 

XXXX XXXX. XXXX ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy. 

Without proof of lawful assignment, FirstPoint Collection Resources has no permissible purpose to report this account. 

Demand for Relief Immediately delete this tradeline from all consumer reporting agencies, including Equifax, Experian, and TransUnion. 

Absent production of valid assignment documentation, continued reporting constitutes willful noncompliance with federal law. 

This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) for regulatory review and enforcement. 

Please provide a written response within the XXXX response timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I was charged for a car repair by XXXX that was never resolved. I reached out numerous times within weeks via phone calls, but received no response. I also tried to dispute the charge directly with XXXX Bank XXXX but my disputes were ignored multiple times. 

I then disputed the account with XXXX twice, but the updates they made were inaccurate and did not correct the issue. The disputes and attempts to resolve the problem are documented as follows : Date Submitted Date Completed Results XX/XX/XXXX XX/XX/XXXX View Dispute Results XX/XX/XXXX XX/XX/XXXX View Dispute Results Despite all efforts, XXXX has failed to resolve the charge, provide a refund, or correct the reporting. I am requesting the CFPB to investigate the matter, ensure the charge is refunded, and remove or correct any inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/year> I purchased a cell phone from XXXX XXXX. When the order arrived it was not a cell phone, I received mascara. I immediately called XXXX XXXX to resolve, they said I needed to mail back the mascara in order to receive a refund. Photos showing what I received were sent to them. They sent me a shipping label that did not work at any of the local shipping companies. I emailed them and informed and no other label was provided. Since they refused to refund without this step I disputed the charge with American Express and provided the photos showing I did nit receive the cell phone I paid for. After reviewing and discussing with XXXX, American Express overturned the dispute and rebilled me for the phone I didnt receive and asked me to take it up with XXXX XXXX XXXX I again reached out to XXXX XXXX who said to submit my ID and refund would be processed. I did this same day and then received an email saying I was outside the XXXX  day window and there was nothing they could do. Both parties are refusing to help despite having proof that I did not receive the item and because they sent me back and forth for so long now they are saying it has been too long. I spoke with a XXXX at american express who also said they can no longer reopen the dispute because of the time frame. They mailed the notice to a wrong address so I never received the notice of the decision and by the time I received the electronic notice I could not dispute the decision.

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

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 ind similar have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, I contacted Capital One after losing my card and noticing an unrecognized charge on my account. I called to report the issue and protect my account from potential unauthorized use. 

Although a report was created, the representative refused to answer my questions when I asked for clarification about what was being documented and requested that the report be read back to me. Because my concerns were not being addressed, I asked to speak with a XXXX. 

When I spoke with the XXXX, she was dismissive, spoke in a scripted manner, and continuously typed while I was speaking. When I asked what she was documenting and requested that she read it back to me, she refused. She repeatedly referred to my concerns as a complaint despite me clearly stating that I was seeking clarification regarding a potential fraud situation. 

The XXXX repeatedly defended the agent instead of addressing my questions, refused my request to escalate the matter to higher management, refused to provide contact information for further assistance, and ultimately terminated the call. 

I am concerned about how my fraud report was handled, the lack of transparency about what was documented on my account, and the refusal to allow escalation or provide assistance. This experience caused significant distress, frustration, and loss of confidence in the security of my account. 

I am requesting a formal review of my fraud report, confirmation that my account is secure, a written explanation of what was documented on my account, and an investigation into the handling of this interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I am filing this complaint against Spring Oaks Capital , LLC regarding an alleged debt in the amount of {$860.00} that is currently being reported and/or collected. 



Spring Oaks Capital , LLC is not the original creditor. This appears to be a debt that has been sold or assigned. I have not received sufficient documentation proving : That Spring Oaks Capital , LLC is the lawful owner of the alleged debt That there was a valid and complete chain of assignment That the amount being claimed is accurate That they have legal standing to collect I do not recognize this company as the original creditor, and I have not been provided with a copy of the original contract or agreement bearing my signature. I have also not received a complete payment history or itemized accounting showing how the {$860.00} balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I want to report on major syndicated and organized criminal activities conducted by Wells Fargo Bank consumer division. 

Wells Fargo Bank created numerous activities such as cash advances, balance transfer, and other charge on my credit card. I detected these criminal activities on the XXXX of XX/XX/XXXX after they sent me numerous emails through my XXXX account. 

I used this credit card account for balance transfers for several years in the past but had no balance nor any activities until this fraud was detected on the XXXX of XX/XX/XXXX. During the moment I was overseas and I am still overseas. 

It took almost a week to call the consumer division and reported fraudulent activities. The reason I call this crime is because these activities is well organized and syndicated throughout a well criminally minded organization. The consumer division transferred my call to fraud detection division ; the line was disconnected on several occasions. Since they had my other banking information for previous balance transfers from other bank, they even attempted to charge a whooping {$8900.00} as online ACH payment on XXXX of XX/XX/XXXX through my credit card. Once I detected this criminal demand by Wells Fargo to my other bank, I immediately reported this activity and my bank stopped the crime. 

In the meantime, a staff at the consumer division mentioned they will REPLACE with a new credit card. I allowed them to replace an old credit card. Without my consent, they even opened a new checking account. Wells Fargo took the matter and sorted out their mess ; they balanced my old credit account at XXXX balance. Wells Fargo opened the checking account without my permission and placed XXXX unexplained credit of {$880.00} in it. I did not deposit this money. I believe Wells Fargo manipulates their own debits and credits to make this fake account look active, or trying to trap me into accepting this illegal account. This is a clear falsification of internal documents and identity theft. I demand an immediate investigation into this fake account practice, which mirrors the XXXX Wells Fargo scandal. 

The reason I call this syndicated and organized criminal activities is that they transferred these credits and adjustments-to make XXXX balance on my old credit card-into a newly replaced credit card. This is pure evil! There is still {$9700.00} balance Wells Fargo Bank criminally fabricated. 

I appreciate your highly organized effort to make a clean financial system and society.

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 monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I disputed this alleged credit card debt in writing and requested validation pursuant to 15 U.S.C. 1692g ( b ). I sent two written validation requests. The company failed to provide sufficient verification of the debt, including proof that I owe the debt, proof of ownership/authority to collect, or an itemized accounting. Instead, the company continued to send collection notices after my disputes.

Amount alleged : {$410.00}. Last payment date : XX/XX/year>. I am requesting that the company cease collection activity until proper validation is provided.

Company response to consumer: Closed with explanation