vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from National Credit Systems ( XXXX ), Account No. XXXX, on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, alleging a balance of {$8800.00}. The notice stated I could dispute the debt by XX/XX/XXXX. I submitted a formal written dispute electronically through XXXXXXXX XXXX own website on XX/XX/XXXX, well before the XX/XX/XXXX deadline. I also mailed a certified dispute letter which was confirmed delivered to XXXX on XX/XX/XXXX at XXXX XXXX per USPS tracking number XXXX. Both disputes requested debt validation and cessation of all collection activity per FDCPA 15 U.S.C. Section 1692g. XXXX never responded to my dispute. XXXX never provided debt validation. Despite my documented and timely written dispute on file, XXXX reported this account to XXXX on XX/XX/XXXX with a balance of {$8800.00}. This is a direct violation of 15 U.S.C. Section 1692g ( b ), which requires all collection activity including credit reporting to cease upon receipt of a written dispute until verification is provided to the consumer. I am also not legally responsible for this debt. A Consent Judgment of Divorce was entered in XXXX XXXX XXXX XXXX, Case No. XXXX, on XX/XX/XXXX, which expressly assigns sole responsibility for this debt to my former spouse who remained the sole occupant of the premises after XX/XX/XXXX and was the sole income-earning party during the period this balance accrued. I submitted the Consent Judgment as supporting documentation with my original dispute to XXXX. I am requesting that XXXX immediately remove this account from all credit reporting bureaus and cease all collection activity against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: IL

Complaint narrative:
My backpay was direct deposited to account and I immediately had trouble with card being declined. I tried logging in online and it said I had to call customer service. I tried many times and got hung up on repeatedly. I received email notification of a new device login to my account that was not me. I finally got through to someone and they said we told you when we talked to you at XXXX you had to submit id verification. I told them they hadnt spoken to me that id been trying to get through to customer service all day. They locked up and wouldnt give me any information at all. I explained that I received notification email of login that wasnt me and that I suspected someone was trying to steal my identity. I emailed my i.d . to them and they responded and said they couldn't verify my identity and to go to XXXX office. I went to XXXX office and they said they had nothing to do with those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: TX

Complaint narrative:
I made a purchase with my capital one credit card in the amount of {$150.00}. I receive the wrong merchandise and tried to resolve the issue with merchant for 3 weeks back n forth. I have all the chat and messages and picture proofs that they send me the wrong item. Still they did not refund or Send me the correct items. I then reach out to capital one and dispute the total amount.Also provided them with the chat and messages proof from the merchant in which they admit it was their mistake to send me the wrong item.Capital One still didn't resolve my issue. I want my full refund back or at least partial for the wrong items being sent. I explained capital One several times that I am not asking for the refund of cancelled items, I am asking for the wrong items and still they keep saying that I was already refunded. Which I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
The company locked me out of my account with ample funds available without any notification other than an email stating my account was suspended. The email requested that I upload a picture of my state ID or driver 's license for identity verification, which I did. Instead of releasing my account, they're now saying that their " account review '' team has to review my document ( the photo of my ID ) & my account & that will take 3-7+ business days. A representative told me that particular department doesn't offer any means of contact to expedite the process, so I just have to wait for someone to basically click a button to unlock my account after they " review '' my document to see if it matches my account information- which is does. It's the same exact ID I used to verify my identity when I opened the account. When I stated that all I've had is issues with being able to make purchases and pay bills with my debit card & that I want to close my account, the representatives told me that there was nothing that could be done to make the process go any faster & that I can do absolutely nothing with the {$3000.00} fund balance that I have available in my account. Other companies will send texts or emails if something suspicious is flagged, often asking you if you're the one doing the transaction. This has not happened with this company. I pay a lot of bills online because that's what the companies require, and have used my card to do so many times, but today all of a sudden paying those same companies caused a flag. They will not let me withdraw my funds and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I requested on XXXX documentation regarding inaccurate late paymentsas required by consumer protection laws to substantiate the information they are currently reporting, given that said information is factually incorrect. To date, I have received no response whatsoever to my request ; I specifically asked that, if they were unable to provide the documentation mandated by law, they correct the erroneous late payment entries they are reporting to all consumer credit agencies. Everything I requested is fully supported by law, yet they are disregarding my demands. In the meantime, I am experiencing difficulties obtaining loans due to these late payment entries, which are negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing a complaint against U.S. Bank regarding a fraudulent {$2500.00} check associated with my account and Altitude Reserve credit card ( Case # XXXX ). This check was stolen from my mail and fraudulently cashed. I did not authorize, sign, or benefit from this transaction in any way. At the time of the incident, I was XXXXXXXX XXXX XXXX XXXXXXXX XXXX as an XXXX XXXX XXXX XXXX XXXX, which made it impossible for me to monitor my mail or prevent this theft. I reported the fraud promptly upon discovery. However, U.S. Banks handling of this case has been unacceptable. I have been misled on multiple occasions, including being explicitly told that a temporary credit of {$2500.00} would be applied to offset the fraudulent charge, which was not honored. Their conduct has caused unnecessary financial stress and reflects a failure to properly handle a clear case of fraud involving a XXXX XXXX I have also filed reports with IdentityTheft.gov and the United States Postal Inspection Service due to the mail theft involved. I am requesting that U.S. Bank : 1. Immediately reimburse the full {$2500.00} 2. Honor the previously promised temporary credit 3. Provide a written explanation of their investigation and decisions 4. Identify how this fraud was allowed to occur and what corrective actions are being taken I expect a prompt resolution consistent with applicable consumer protection laws and protections afforded to XXXX 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 explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
Dear CFPB : These are not duplicative : XXXX XXXX AND US BANK NEVER responded to me. They told you they would/did, BUT they did not. This matter is very serious as it affects my credit score and shows deceptive practices by the bank because for 4 years they have denied giving me ANY information on my own loan- every time I call them/write them they say the same thing : Sorry, you are not on this loan. BUT I AM and always have been! They need to respond. So I am AGAIN filing a complaint because the TWO above were NEVER ANSWERED. SO please RE-OPEN.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I had my account open with first national bank of omaha is XXXX of XXXX, Later in XXXX of XXXX, FNBO closed my account and reported in XXXX XXXX with negative comments and outstanding balance of {$3500.00}. I tried communicating with the bank but no response or any sort of explanation. Now i am not able to open any personal or business account until this is taken care of.

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service data and unfair practice which violate the consumer services. Financial Protection Act ( FPA ), specifically Cash App failed to take time and effective methods to prevent and addressed the fraud situation on their platform, leaving my accounts unprotected and vulnerable. Furthermore their disputes resolution process is unfair and deceptive as Cash app didn't comply with the errors and resolution requirement, under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused me a significant financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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:
I am filing a complaint regarding a {$3000.00} balance transfer check that has already been cashed but has not been applied to my account. I have documentation from the issuing bank showing the check status as PAID with a posting date of XX/XX/year>. This confirms that the funds were successfully deposited. However, the receiving institution is stating that they have not cashed or received the check and are refusing to locate or apply the funds. This creates a serious issue where the money has left the issuing bank but is not being properly credited to my account. I am requesting a full payment trace and investigation into a potential misapplied or unapplied payment. The receiving institution should search for the funds using the check number, amount, and posting date. This issue is causing financial harm, including risk of interest charges and account errors. I am requesting immediate resolution and proper application of the {$3000.00} payment to the correct account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I sent {$190.00} ( Transaction ID : XXXX ) to pay for an educational course. The recipient instructed me to use the " Friends & Family '' option to evade service fees. After the payment, the recipient admitted in writing that their account ( XXXX ) is a " purchased bulk account '' that they do not legally own and can not access to issue a refund. I have provided this clear evidence of identity fraud and anti-money laundering ( XXXX ) violations to PayPal ( Case ID : XXXX ), but their automated system and chat support ( Agent XXXX ) refused to intervene or escalate. Furthermore, PayPal 's formal complaint email address is non-responsive. PayPal is facilitating financial fraud by allowing unverified, disposable accounts to operate. I request a manual reversal of this transaction due to the recipient 's admitted fraudulent account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Inaccurate information being reported. Loans are in Deferment now and was in Deferment when reporting late payments. Showing of late payments, wrong dates and dollar amounts. Dept of Education XX/XX/year> {$1200.00} Dept of Education XX/XX/year> {$78.00} Dept of Education XX/XX/year> {$2100.00} Dept of Education XX/XX/year> {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am trying to complete a full payoff of my auto title loan through a third-party dealership ( XXXX ) XXXX I have repeatedly requested a payoff statement and lien release instructions from TitleMax, including directly at the store with management, but the request has been delayed and not properly provided. The delay is preventing my ability to complete a full payoff of the loan, as my dealership partner requires official payoff instructions to send payment directly to the lender. During this delay, interest and fees continue to accrue on my account. I am requesting immediate provision of a valid payoff statement, per diem interest, and instructions for third-party payment so I can fully satisfy this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: TN

Complaint narrative:
I have been banking with Chime for the past couple years now and have ran to a numerous amount of fraudulent unauthorized activity in my checking accounts where my money would go missing. Im in the military so therefore I most of the time do not be on my cellphone and do go out to some extensive field training events that stem out from one month or more where I cant have contact with anybody else. In this particular time on XX/XX/XXXX at XXXX XXXX. I was scammed by a website called XXXX out of {$450.00} in total. Before the transaction posted on my account, there was an email that I received from a total different company portraying to be another company. During the time of me and this company emailing and communicating, I was under the impression that I was suppose to receive some funds. I gave them my information and then seen my money from my bank disappearing. When the transaction was pending I seen it said a whole different website ( XXXX ). I attempted to dispute it 2-3 times with my bank but continue to get denied, even with all the proof. I have also reached out to XXXX and have no idea how to speak to an actual live agent. I was able to email them about the situation and they reached out to me confirming that the transaction were unauthorized and that they were fraudulent activity and scams. My bank still denied it for the second time. Im pleading for my money back and for a reinvestigation on this transaction because {$450.00} is a lot of my money just being thrown away and scammed on. All of this started with an email from something called XXXX XXXX. Right after communicating with them was when my funds were taken out from a website called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: FL

Complaint narrative:
On XXXX XXXX i received a letter in the mail from a company by the name of UNIFIN, INC stating that i have /owe them money for a debt in the amount of {$2000.00}. The letter sent is dated XXXX XXXX Additional information provided by consumer : XXXX The consumer called in today to add the statement " On the back of the letter there is a disclosure concerning the debt is past the statute of limitations and they will not sue unless I admits I owe the debt. It further states that Unifin will not be reporting it to the credit bureaus. XXXX XXXX XXXX must be connected to Unifin. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I called Bank Of America to ask I they could waive the monthly maintenance fees of {$16.00} each for the months of XXXX, XXXX and XX/XX/XXXX. The representative tried to run the refund request thru the system and the request was denied for all 3. I asked if I could speak to a manager to see if I could get an override and she got a manager for me. I was transferred to a manager name XXXX and he said he was not able to reverse the fees because they were valid. I told him I wasnt disputing the validity of the fees, I am asking for a reversal because I sold my ATM machine back in XXXX of XXXX and thought that I was going to get another machine and keep going however things did not happen in that order so I dont think it is in all just and fairness to charge me/ take money from me because Im not doing enough transactions for you. I didnt want to pre-maturely close the account if I thought I was going to resume the business soon which unfortunately did not happen and I am being penalized heavily for it by having to eat these fees. I was given advice on how to avoid occurring the fees in the future, but if the business is not operating for the time being how can one use a debit card or maintain a certain dollar amount in an account when there is no transactions happening? This is not ok and this is a lot of money to 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 explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited money in the atm the first time the atm said it was less than I put in so I hit return cash and then it returned less money than I put in and then I put it in again and the same thing happened and then when I deposited the money it was like {$600.00} less than I had originally inserted in the machine the spot that opens and closes when you make a deposit was closing extremely fast on my hand and stuff too I disputed it they gave me a provisional credit and then reversed it and told me Im wrong which is complete XXXX because I know how much money I had when I made the deposit and it was over {$1100.00}.

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