vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
My full name : XXXX XXXX I am filing this complaint regarding the involuntary closure of my two checking accounts by US Bank. On XXXX, I received a letter stating that both of my checking accounts were being closed due to 'deposit terms and conditions. ' Before this closure, both accounts had been sitting with small, positive balancesone with {$1.00} and the other with $ XXXX an extended period of time. The accounts were not overdrawn, and there was no fraudulent activity. It appears the bank chose to close the accounts due to low balance or inactivity ; however, using the vague 'terms and conditions ' language is non-transparent and potentially damaging to my banking reputation. I am concerned that an 'involuntary closure ' will be reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which would unfairly prevent me from opening accounts at other banks. The bank simultaneously issued a check for my remaining balances of {$1.00} and {$0.00}, confirming the accounts were in good standing and not overdrawn.

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 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I cancelled all XXXX XXXX XXXX services in early XX/XX/year> due to lack of service at my location. During calls on XX/XX/XXXX and XX/XX/XXXX, I clearly requested cancellation of all services and return of all devices within the allowed return window. All devices were returned on XX/XX/XXXX and delivered on XX/XX/XXXX ( tracking : XXXX ). Despite this, XXXX XXXX XXXX continued billing approximately {$2800.00}. I contacted XXXX XXXX XXXX multiple times ( over five hours total ), provided proof of return, and was told on each call that the charges would be removed. These calls should be recorded. I also requested written confirmation and proof of cancellation, which I never received. I submitted multiple written disputes : a formal mailed dispute on XX/XX/year> ( confirmed delivered, tracking : XXXX ), and email disputes on XX/XX/XXXX and XX/XX/XXXX, including return tracking and a request for full reversal. I also visited an XXXX XXXX XXXX store and was told they could not assist. Despite repeated disputes via phone, email, and mail, XXXX XXXX XXXX provided no response or resolution and instead referred the account to collections. This debt is invalid. All services were cancelled and all devices were returned within the required timeframe. There is no valid basis for any charges.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: MD

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX - XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am filing a complaint regarding inaccurate information reported by Bank of America to XXXX XXXX XXXX. I previously disputed this matter, and it was marked as verified without any documentation being provided. The report states checking account fraud ; however, there is no principal loss listed, and I did not receive, access, or benefit from any funds related to this account. I requested verification and documentation showing that I authorized and benefited from the transactions, but this information was not provided. This reporting is inaccurate and unsupported. Despite this, it is preventing me from opening basic financial accounts. I am requesting that Bank of America provide documentation proving that I authorized and benefited from the transactions, or that this information be removed from XXXX XXXX XXXX immediately.

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 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am filing this complaint against Citizens One regarding a financed home security system ( {$3000.00} approx ), that is defective, was misrepresented, and does not perform its intended purpose. This debt originates from equipment provided by XXXX. From the date of installation, the system failed to function properly. A key component, the backyard camera, worked for only approximately three days over a 34 month period, despite multiple technician repair attempts. Motion sensors were unreliable and caused repeated false alarms. Additionally, the system experienced an extended outage of approximately one month due to a firmware issue caused by an automatic update, which was related to compatibility with my internet service provider. This required a technician visit to resolve, and I was charged despite the issue being caused by the system itself. During this time, the system was unusable. Due to these unresolved issues, XXXX allowed early termination of the service agreement within approximately three months, which is highly unusual and reflects that the system was not functioning properly. After canceling service, the system lost nearly all meaningful functionality, including remote monitoring capabilities. It is now limited to local-only viewing from the panel, rendering it effectively useless as a home security system. At no point during the sales process was it clearly disclosed that canceling service would result in the loss of core system functionality. I was only informed that I would lose monitoring services. A reasonable consumer would not expect the system to become largely unusable. I entered into this agreement while under significant personal distress following the death of my mother and concerns regarding my personal safety and the safety of the property. I was seeking a reliable security solution and relied on the representations made at the time of sale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: DailyPay, Inc
State: IL

Complaint narrative:
I began using DailyPay in XXXX and have now reached 90 days of being unable to complete identity verification for a DailyPay card due to an issue on the companys end. During this entire 90-day period, I have continued using the service and have incurred over {$2000.00} in transfer fees because I do not have access to lower-cost transfer options. I have contacted support multiple times and the issue has been escalated, but it remains unresolved. It is unreasonable for this issue to persist for 90 days while I continue to incur fees. I am requesting immediate resolution of my verification issue and a full or partial refund of the fees incurred during this period ( 90 days )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The amount being sent to international institution is XXXX, I have never submitted such request and do not have an account with Wells Fargo .

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I filed a complaint with the CFPB regarding an incorrect Form 1099-K issued by Cash App for tax year XXXX. The form reported approximately {$56000.00} in gross payments, which does not match my actual Cash App business account activity. After reviewing my Cash App business account statements for XXXX, the total transactions processed through the account were approximately {$7000.00} for the entire year. The business account was opened in XX/XX/XXXX, and there were no transactions from XXXX through XX/XX/XXXX, which further shows that the amount reported on the 1099-K is incorrect. I contacted Cash App multiple times requesting an itemized breakdown of the transactions used to calculate the {$56000.00} total and asked that they review and correct the Form 1099-K. Cash App responded that the issue had been escalated internally and that their engineering or tax team was reviewing the matter. However, they have not provided a breakdown of the reported transactions or issued a corrected 1099-K. Because of this incorrect reporting to the IRS, the IRS applied my XXXX federal tax refund of approximately {$10000.00} toward a tax balance related to the incorrect 1099-K and is stating that I still owe additional taxes for tax year XXXX. I have since submitted documentation to the IRS and the XXXX XXXX XXXX showing the discrepancy between the reported 1099-K amount and my actual Cash App transaction statements. Despite the ongoing investigation and multiple follow-ups, Cash App has not corrected the reporting error. I am requesting that Cash App review the transaction records used to generate the XXXX Form 1099-K and issue a corrected 1099-K reflecting the accurate transaction totals so the IRS can correct my tax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
Failure to Credit Confirmed Merchant Refund ( Reg E Violation ) I am filing this complaint because Cash App ( Block, Inc. ) has failed to credit my account for a merchant refund processed on XX/XX/year>. Despite providing clear evidence from the merchant ( XXXX XXXX ) on XX/XX/XXXX, Cash App support has closed my case without resolution. Key Details : Initial Refund Date : XX/XX/year> Reference ID ( XX/XX/XXXX ) : XXXX Additional Reference IDs : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). Time Elapsed : As of XX/XX/XXXX, it has been 15 business days since the merchant initiated the refund. Cash Apps stated policy is that merchant refunds appear within 10 business days. That window has expired. I have contacted support multiple times with screenshots of the merchants confirmation, but they have responded with automated messages stating " no new information was provided '' and have since closed the complaint as a " final outcome. '' Cash App is failing to perform a trace on these funds or provide a provisional credit as required under Regulation E ( Electronic Fund Transfer Act ) for a missing credit. Desired Resolution : I am requesting that Cash App immediately locate and credit the funds to my account or provide a provisional credit while they complete a formal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: AmeriCash Holding LLC
State: WI

Complaint narrative:
I looked online and saw a fraudulent judgment with my name and address attached to it by AmeriCash and this is not only defamation but a threat to my safety but posting my address online anybody can come to my home and or harass me as I have been already dealing with safety issues

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: NM

Complaint narrative:
I am disputing Wells Fargos denial of a debit card fraud claim. The disputed transactions occurred in XXXX. I discovered them when reviewing my account in XXXX and reported them immediately on XX/XX/XXXX. XXXX fraud claims involving XXXX transactions were reported on the same day. One claim was reimbursed, while the other was denied. Wells Fargo stated the denial was based on the transactions being chip-authorized. I dispute this finding, as I did not make or authorize these transactions. I escalated the matter through Wells Fargos claims department and Executive Office Review. On XX/XX/XXXX, Wells Fargo stated the claim would remain closed and unpaid, citing no error, without providing evidence that I authorized the transactions. On XX/XX/XXXX, after not receiving any follow-up for over a month, I called again. I was informed the case would be sent to the Wells Fargo Line of Business Executive Office for further investigation and that I would receive a call within XXXX business days. I did not receive that call. Instead, I received an email on XX/XX/XXXX stating that the claim was denied. I requested copies of all documents Wells Fargo relied on to deny my claim, including transaction records, chip verification details, authorization records, and any investigation notes or evidence used to determine that the transactions were authorized. I am requesting regulatory review because the claims were handled inconsistently, and I did not receive the promised follow-up. I reported the transactions as soon as I became aware of them. I also noticed in my Wells Fargo account notes that my statement was recorded as dont remember this transaction, which is incorrect. I clearly stated that I did not make or authorize these transactions. This mischaracterization may have impacted the outcome of my claim. I am requesting reconsideration and reimbursement of the disputed amount of approximately {$3600.00}.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal has a hold on {$50.00} my family sent me to just get through the week. My family isnt too familiar with PayPal and when they sent me the money they sent it goods and services instead of family friends. So that caused a XXXX hold on the {$50.00}. So i talked to customer support and they acted like theyd something to help me by saying it will be talked the first week of XXXX. Well that doesnt help me now and people make mistakes online all the time. So i knew something could be fixed but they refused. I asked for the supervisor and they said they didnt have those. Which i find hard to believe. Im totally upset over this whole ordeal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: CL Holdings LLC
State: CA

Complaint narrative:
This debt originates with XXXX XXXX. To the best of my knowledge this was closed. I filed a complaint with the XXXX. I entered into a contract with XXXX on the grounds that I would have service at my home. This was a medical necessity. I never had service at my home. I contacted XXXX XXXX about not having service. They suggested that I purchase a signal booster from them in order to have service at my home. This cost me an additional {$400.00}. Again I still had no service at my home. I contacted XXXX again and explained that they failed to keep their side of the contract even after I went above and beyond by spending an additional {$400.00} only to still not receive any service. Therefore this is an invalid debt they are attempting to try and bill me for a service I did not receive. XXXX XXXX voided the contract by failing to provide service at my home. I never was reimbursed for the cost of the signal booster or the money I had to spend to get cell phones and service through a different company. And now this collection company Jefferson Capital XXXX has now placed this collection on my credit which has caused severe damage to my credit scores XXXX went from a XXXX to XXXX XXXX from XXXX to XXXX and XXXX XXXX from XXXX to XXXX. I have suffered terrible loss as I was in the process of purchasing a home and this has caused me to lose my financing. This has caused mental distress and damage to my credit report for their breach of contract. And I will take legal action if this is not removed from my credit and my credit scores aren't restored Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Affirm Holdings, Inc
State: VT

Complaint narrative:
On Sunday XXXX XX/XX/XXXX I received 3 calls for an unknown number in Alaska. the 1st 2 calls I did not pick up ; the 3rd call I did pick up and it was an automated recording, and it said it was affirm saying that they sensed some fraudulent activity and asked if this was authorized by me and I selected option 1 to cancel the transaction and I would be notified of the outcome. On Monday XX/XX/XXXX I received an email from Affirm stating that the loan was processed someone opened a virtual card in the amount {$620.00} thru my Affirm account without my permission and made 4 purchases. On XX/XX/XXXX or XX/XX/XXXX I reported this to affirm saying that this loan I did not open and that someone had fraudulently opened this account. On XX/XX/XXXX I decided that I needed to report this to the Police so I went to my local XXXX Police Department to file a report. I gave them a sworn Statement. I sent the Police report to affirm and also filled out an affidavit to affirm and I have been denied several times and just dont know where to go from here. I have done alot of business thru affirm dating back to XXXX and there has been 46 loans totaling about {$23000.00} in transactions that have been paid in full. I have 5 loans thru them currently that are current and that have been paid on time. I refuse to pay this loan that I did not take out. All of the loans that have been taken out I have approved via my Iphone and there has been 2 step verifications that have been done but not on this loan in question. I have asked for ALL of the transcripts dating back to XX/XX/XXXX because they record all call for quality assurance so this should be not problem. I cant tell you how much time I have invested but it is substantial. The loan ID is XXXX PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I am disputing a medical collection account that is being reported on my credit. This account was sent to collections due to improper billing by the medical provider. My insurance company has confirmed and provided an Explanation of Benefits showing that the claim was not properly submitted or billed correctly, and I am not responsible for this balance at this time. Despite this, the account was placed in collections and continues to be reported as valid. I have disputed this with the credit bureaus and provided documentation, but the account remains. Additionally, the collection agency has failed to properly identify the original provider, listing only XXXX XXXX and has not provided sufficient details or validation of this debt.This debt amount is XXXX and the name listed on my credit report is XXXX XXXX XXXX XXXX date opened XX/XX/year>. I have called multiple times and received no information. My insurance also called and was told they arent being provided with any information as well. This is a billing error, not a valid debt. I am requesting : Immediate removal of this account from my credit report Cessation of all collection activity Correction of this billing issue by properly submitting the claim to my insurance This inaccurate reporting is negatively impacting my credit due to a providers failure to bill insurance correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
On XX/XX/year> I sent contract callers inc a written request for validation and verification under 15 U.S.C. 1692g for account # [ insert account number ], and to date I have not received any documentation or proof of the debt ; I am requesting immediate validation or removal and that all collection and reporting cease until the debt is properly verified. I will submit a detailed letter of everything I requested from company. I don't not believe this debt belongs to me

Company response to consumer: Closed with explanation