vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding an unresolved duplicate charge on my debit card. 

Approximately XXXX months ago, I attempted to make a purchase at XXXX XXXX using my debit card. The transaction was reported as failed at the register, so I completed the purchase using another card. However, my debit card was still charged. 

I contacted both Wells Fargo and XXXX XXXX multiple times. XXXX XXXX confirmed they have no record of capturing or completing this transaction. I submitted documentation and receipts to XXXX XXXX and filed a dispute, but my claim was denied. 

I believe this charge is invalid because the merchant has no record of settlement or capture of the transaction. I am requesting a formal review and recovery of the improperly debited funds. 

I am seeking assistance to resolve this matter.

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 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
In XX/XX/XXXX, I contacted American Honda Finance to request a temporary payment extension due to financial hardship caused by job loss and ongoing medical treatment. 

On XX/XX/XXXX, I spoke with a representative who advised that I could submit documentation for supervisory review. I was provided an email address ( XXXX ) and was told a supervisor could review my situation. I sent a summary of my medical visit to XXXX  XXXX Hospital ( XX/XX/XXXX ) and explained the associated expenses and financial hardship. 

On XX/XX/XXXX, I called to follow up and was informed that no one had reviewed the information I submitted. I was told an extension would not be provided because I had previously received one approximately three months earlier. I was also told a supervisor could call me back to discuss possible resolution. 

On XX/XX/XXXX, I spoke with a supervisor regarding my extension request. I explained that I am currently XXXX, unemployed, and pursuing long-term XXXX benefits, which would allow me to make payments going forward. I requested a one-time extension to help cover basic living expenses during this transition. The supervisor denied the request and stated that no extension would be approved even if documentation were submitted by mail. 

I also requested escalation or review by a different supervisor and was denied. I was provided a mailing address ( XXXX XXXX XXXX, XXXX, CA XXXX ) but was told that any documentation sent would not change the decision. The call ended without providing any alternative hardship options or appeal process. 

I am concerned that my hardship request was not reviewed in good faith, that documentation was not considered despite being requested, and that I was denied escalation or meaningful review. 

I am requesting review of my account by a different supervisor or escalation/compliance team, consideration of my hardship request based on documentation, and written clarification of any hardship or appeal options available. 

I also called on XX/XX/XXXX right before the XXXX  XXXX hospital visit and sent over emails of estimates of my stay. 


I will send over my termination letter and the costs and the stay again to that email listed as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
XX/XX/XXXX indicates I have a debt owed of {$1400.00}, but NEVER received any written notification of unknown debt, and then starts showing up on my credit report on XX/XX/XXXX, almost XXXX years after said initial date of XX/XX/XXXX. As of this writing, XXXX XXXX has NEVER provided any documentation with agreements, signatures of mine indicating I have a valid account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: TN

Complaint narrative:
Received recent communication in the form of a XXXX from XXXX XXXX XXXX XXXX XXXX regarding an alleged debt. And also this entity stating that theyre licensed by the state of Tennessee XXXX collect debts etc. Which from my research and recent investigation determined that was a lie a there are indeed in violation of Tennessee state XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for and was approved for a Capital One Quicksilver XXXX XXXX ( account ending in XXXX ). As required by the account terms, I submitted a {$1000.00} security deposit via XXXX from my XXXX Checking account ( ending in XXXX ) on XX/XX/year>. 
Capital One accepted and retained my deposit, then restricted the account, making the credit line completely inaccessible. I can not use the card for any transactions. Capital One is holding my {$1000.00} while providing no access to the product that deposit was intended to secure. 
Capital One has not provided a clear written explanation of why the account was restricted, what specific documentation is needed to resolve it, or a timeline for reinstatement. The account carries a {$0.00} balance.

The Capital One Customer Agreement for Consumer Secured Cards states the consumer " may not withdraw Funds from the Security Account unless your Account is closed and paid to a {$0.00} balance '' and that Capital One " may take up to 60 days to return any excess Collateral. '' The agreement is silent on consumer rights when an account is restricted but not closed meaning my deposit can be held indefinitely with no credit access and no clear remedy.

Accepting a consumer 's security deposit and then restricting the account without providing a specific path to resolution is an unfair practice that causes substantial consumer injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Subject : Formal Complaint Improper Debt Collection After Certified Dispute Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Hunts Field ( collection agency ), XXXX, FL XXXX, for improper debt collection practices and failure to properly address my certified dispute. 

On XX/XX/year>, I sent a certified dispute letter directly to XXXX XXXX regarding an alleged debt of {$4200.00} claimed by XXXX XXXX XXXX. My certified mail included a copy of XXXX XXXX email, confirming that my dispute had been forwarded to XXXX XXXX. The certified letter was delivered on XX/XX/year>. 

Despite confirmed receipt and the inclusion of the creditors confirmation, XXXX XXXX failed to acknowledge or validate the debt and proceeded with collection activity while the debt was under formal dispute. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ), which requires collection activity to cease until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
A car dealership ran multiple ( over XXXX ) hard credit inquiries with several credit unions without my authorization. Over a course if several days.

Any credit authorization I signed was approximately two months earlier for a separate transaction. On the date of the inquiries, I did not sign a credit application or provide written or electronic consent. The dealership relied solely on a phone conversation regarding vehicle pricing and financing possibilities and did not disclose that a hard inquiry would be run or that my credit would be submitted to multiple lenders. 

I am requesting investigation, removal of the unauthorized inquiries, and confirmation that my consumer rights under the Fair Credit Reporting Act have been upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FISERV FINXACT CORE
State: WY

Complaint narrative:
We are a small retail and custom apparel business ( XXXX XXXX, XXXX, Wyoming ). After reviewing our merchant processing statements, we discovered that our credit card processor was charging effective processing rates between approximately 8 % and 10 %, which is far above industry norms and materially different from what was disclosed or represented when our account was established. 
Most concerning, debit card transactions were charged at an effective rate exceeding 10 %, which is not standard, was never disclosed, and is inconsistent with regulated debit pricing. These charges were buried within a complex, non-transparent fee structure that made it extremely difficult to identify the true cost of processing. 
We contacted the processor multiple times to request clarification and correction. Despite repeated calls, the billing continued to worsen, and no clear explanation or correction was provided. 
The fee structure includes layered and duplicative charges ( discount rates, authorization fees, batch fees, gateway fees, platform fees, and other add-ons ) that were not clearly disclosed and appear to constitute unfair and deceptive billing practices. 
We believe we were materially misled regarding pricing and subjected to non-transparent and excessive fees that caused significant financial harm to our business. 
These practices caused thousands of dollars in excess processing fees, reduced cash flow, and materially harmed our ability to operate profitably. As a small business, this had a direct and significant impact on our financial stability.

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 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing this complaint against XXXX  ( Block , Inc. ) for the unlawful withholding of my business funds totaling {$800.00}. My account was deactivated on XX/XX/year>, and XXXX informed me that my balance would be held for XXXX  days, until XX/XX/year>. As the owner of XXXX XXXX XXXX, I have successfully rendered all services and previously uploaded all supporting documentation ( XXXX, XXXX XXXX  ) to XXXX  dashboard. I have attached the official deactivation notice from XXXX, which confirms the XXXX hold on my funds until XX/XX/year>. I demand the immediate release of my full balance to my linked bank account. 
This XXXX hold is not a standard security measure ; it is an arbitrary XXXX of business capital. I have no pending disputes or chargebacks, and my customers are fully satisfied with the logistics services provided. XXXX is utilizing my business funds for their own liquidity while causing me significant operational hardship. 

Furthermore, XXXX has provided no specific evidence of 'risk ' to justify such a lengthy hold. If this issue is not resolved immediately through the CFPB, I will escalate this matter to legal counsel and seek damages for the disruption of my business 's cash flow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NC

Complaint narrative:
US Bank allowed someone to open two accounts in my name, dispite the scammer failing the identity verification on XX/XX/XXXX. US Bank has been combative and extremely unhelpful in disputing these fraudulent accounts. They offer no secure method of transmitting their required affadavit. 

Despite the lack of security in doing so, I emailed their required affadavit on XX/XX/XXXX. I'm continuing to receive emails showing account activity. When I receive these emails, I call and wait on hold for XXXX minutes only to be told that I shouldn't worry about the automated emails. However, US Bank is unwilling to provide me anything in writing stating that the accounts are frozen and no activity is actually happening. 

Additionally, they appear to be sitting on the affadavit and are refusing to provide any information about when to expect their so-called " investigation '' to complete. 

There is no way this " bank '' should be allowed to handle anyones PII, let alone money. Their fraud department is aptly named because they are, in fact, frauds with how they expose themselves to fraud given their non-existent identity verification to start an account in someone else 's name.

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 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am submitting this complaint regarding inaccurate and potentially unlawful credit reporting by a third-party collection agency that is not the original creditor. 

The alleged debt was previously reported to the credit bureaus by a different collection agency and was deleted from my credit report after that prior reporting. Despite this, a new collection agency has reported or re-reported the same debt, potentially beginning in XX/XX/XXXX. 

I disputed this debt directly with the current collection agency by phone on XX/XX/XXXX. The agency was placed on notice that the debt is disputed. However, the debt continues to be reported and/or has not been properly investigated or validated. 

The re-reporting of a previously deleted collection account without proper verification raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, continuing collection and credit reporting activity on a disputed debt without providing validation may violate the Fair Debt Collection Practices Act ( FDCPA ). 

This inaccurate reporting is causing significant harm, as I am actively in the process of applying for a home loan { preapproved }. The appearance of this collection account on my credit report during underwriting may negatively affect my creditworthiness and jeopardize my ability to obtain housing. 

I have not been provided with written validation of the debt, proof of the agencys authority to collect, or documentation from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
Zoca Loans have stated that I took out a cash advance loan of XXXX in 2020 Ive called the bank XXXX XXXX XXXX bank my account have been closed in XXXX XXXX so how can I receive any deposits on a bank that been closed they also had my old employer that I havent worked in over XXXX to XXXX years or more and now they saying they want about XXXX something and they will put a lien on my car over a debt that I never sign or agree or receive from them please help me with this matter thank you

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 2026-02-05 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
My Money Network payroll card was stolen on XX/XX/year>. I reported it immediately and was told a replacement card would arrive within XXXX business days. 

After that timeframe passed, I contacted Money Network and was told that weekends were included and that the card would arrive by XX/XX/XXXX. The replacement card never arrived. 

When I contacted Money Network again after XX/XX/XXXX, I was told they could not provide tracking information or explain why the card was not delivered, and that the only option was to reorder another card. Or a money network check which I have used because my job only gave one and they gave an option to deposit into my bank which I tried and the funds never arrived. 

This issue occurred during a period when Money Network disclosed a system compromise. Which was how apparently my money had gotten stolen in the first place. The delay and failed delivery were not due to any error on my part. 

I have now been without access to my payroll funds for weeks. Money Network has refused to expedite shipping or provide an alternative method to access my money. 

I am requesting immediate access to my funds and resolution of the failed replacement card.

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Good morning and I am here again to get help with my bank account getting back opening again and I came on this website in XXXX to let you guys know that Bank of America closed my account for a individual that used a name XXXX XXXX XXXX XXXX XXXX contacted me online and represented himself as a member of the XXXX XXXX. He provided images of what appeared to be a military identification card and social media profiles to gain my trust. I am the mother of a XXXX XXXX  that got use of his bank account from some fake XXXX XXXX XXXX and you guys need to help my son reopen his account with Bank of America because my son still dont have a bank account for his social security income can go too. My son cant read or write a letter at all and I been sent you guys all of the information in XXXX and you guys didnt help my son at all and the manager at Bank of America had know reason closing my son bank account at all and he was with Bank of America customer since he was XXXX XXXX XXXX and a fake XXXX  XXXX  had got the whole of my son bank information and my son didnt know nothing about this person at all and this what we told the manager at the Bank of America in XXXX Georgia . So I am sorry that I have to type this for my son because he have memories lost bad and you guys need to open back my son account because he needs it. This is XXXX and you guys need to fix this situation. My son is a XXXX person and this man was a scammer that take advantage of a XXXX XXXX. I need so help again with this situation.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Radius Global Solutions LLC
State: NM

Complaint narrative:
Radius Global keeps texting me saying I owe them, but I have no idea what for. I have not received anything from them. The most recent text was on XXXX at XXXX mst. I also have never given consent for them to text me.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint due to repeated, unauthorized ACH withdrawal attempts by Chase Bank that have resulted in a cascade of overdraft fees at my primary financial institution. Despite previous attempts to resolve this and clear evidence that the transactions are erroneous, Chase Bank continues to " re-present '' these items, exhibiting predatory and non-compliant behavior under Regulation E ( The Electronic Fund Transfer Act ). 

Unauthorized Activity : Chase Bank has initiated multiple unauthorized attempts to withdraw funds from my account ending in XXXX. Im still getting emails after the 2nd attempt that they'll try to access the account again. I've called 3 times and talked to a supervisor. They said its not them, despite it coming from them. Their system is glitching and they are refusing to fix it. 

Failure to Honor Revocation : I have previously communicated that these transfers are not authorized, yet Chase continues to automate these attempts. They also upon issuing the new card sent a new credit statement. I had paid it off for the month but instead they said they needed the fully amount again or they were going to charge me interest and late fees. 

Financial Harm : These repeated attempts have triggered ongoing overdraft fees at my bank, creating a " fee loop '' that is causing direct financial damage. Also I did pay off the new interest savings balance, I effectively doubled paid this period, because the statement letter they sent only gave me 2 days to resolve before it was due. Their response to fraud is costing me more than the fraud itself.

Company response to consumer: Closed with explanation