vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Camino Financial Inc.
State: FL

Complaint narrative:
I previously filed a CFPB complaint against Camino Financial Inc. regarding a charged-off business loan tradeline appearing on my personal Experian credit report with a balance of {$29000.00}. Camino responded on XXXX2026 with complaint number XXXX, closed with explanation, stating that I executed a Commercial Loan Agreement and Secured Continuing Guaranty establishing my personal liability as a guarantor and co-obligor on a business loan originated to XXXX XXXX XXXX I am filing this escalation for the following reasons : One, Camino Financial acknowledged in their response that the signed loan and guaranty documentation exists, but they did not attach it to their CFPB response. Instead they stated that copies can be provided upon request through their customer support channels. This is insufficient. I have been requesting documentation of my personal liability on this business debt since before this complaint was filed. If Camino Financial intends to maintain a {$29000.00} charge-off on my personal credit report, they are required to produce the actual signed Secured Continuing Guaranty bearing my signature as part of this dispute process, not direct me to contact their customer service separately. I am formally requesting that Camino Financial attach the complete signed Commercial Loan Agreement and Secured Continuing Guaranty to their response to this complaint. Two, Camino Financial 's response acknowledged that variations in reporting across credit bureaus may occur but dismissed this as acceptable. This is not an acceptable position under the Fair Credit Reporting Act. Camino is reporting this tradeline on XXXX only and not on XXXX or XXXX. If this debt is valid and accurately reported, it should appear consistently across all three bureaus. The selective single-bureau reporting of a {$29000.00} charge-off is itself an accuracy concern that Camino has failed to address. Three, Camino confirmed the first delinquency date as XX/XX/XXXX and the charge-off date as XX/XX/XXXX. The payment history reported to XXXX contains multiple months coded as No Data mixed with charge-off codes. This creates an incomplete and unverifiable payment history that does not accurately reflect the account 's performance as required under 15 U.S.C. 1681s-2. A complete month by month payment history from loan origination on XX/XX/XXXX through charge-off on XX/XX/XXXX must be reported accurately with no No Data gaps. I am requesting that the CFPB require Camino Financial to attach the actual signed guaranty documentation to their response to this complaint, correct or explain the single-bureau reporting discrepancy, and provide a complete and accurate payment history with no missing data fields. If Camino Financial can not produce the signed guaranty bearing my signature, this tradeline must be deleted from my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
My Square checking account was compromised and approximately {$10000.00} was taken through unauthorized transactions. I reported the issue to Square immediately upon noticing the fraudulent activity and my account was locked. However, additional unauthorized transactions continued to process even after I reported the fraud. I have disputed all of the transactions, but they were denied despite being clearly fraudulent. Additionally, Square has not provided me with any timeline for when or if the stolen funds will be returned to my account. I have attempted to resolve this directly with Square, but I have not received a satisfactory resolution. This situation has caused significant financial distress, and I am requesting that Square fully investigate the unauthorized activity and promptly return the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: MT

Complaint narrative:
I financed a vehicle through Santander and am currently attempting to register the vehicle in Montana. The Arizona XXXX informed me that the electronic title ( ELT ) was sent to Santander. However, when I contacted Santander, they stated that they have not received the title. I have made multiple attempts to resolve this issue by contacting Santander customer service, but I have not received a clear answer or resolution. Due to this issue, I am unable to complete my vehicle registration in Montana. I am requesting that Santander verify whether they have received the electronic title from Arizona and take immediate action to release or transfer the title to the appropriate Montana XXXX so I can complete my registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
A client paid me {$2500.00} through the PayPal app for a service I provided months ago. After receiving the money, PayPal automatically deducted a {$75.00} fee from the seller without me knowing what I should have charged the buyer. After that, the money was held. I called several times, and they claimed it was a new account, saying I would receive the money within 7 days. XXXX days passed, and I didn't receive it. They told me to upgrade my personal account to a business account, saying I would receive the money quickly. When I did that, they blocked my account and said I would receive my money in 121 days. I spoke with the buyer, and he called and opened a claim authorizing me, the seller, to receive my money : Case ID XXXX Transaction amount {$2500.00} USD Disputed amount {$2500.00} USD Transaction date XX/XX/year>2026 Buyer name XXXX XXXX XXXX ID XXXX After that, I called again, and they reported that the claim had been opened and would be evaluated within 7 days. See the letter the client wrote to PayPal : Subject : Confirmation of Service Received Transaction ID XXXX To whom it may concern, My name is XXXX XXXX XXXX, and I am writing to confirm that I have successfully received the services for which payment was made. This message refers to the transaction with the following details : - Transaction ID : XXXX - Amount : {$2500.00} - Service : XXXX Consulting - Date : XXXX XXXX, 2026 I confirm that the services were delivered as agreed and that I am fully satisfied with the transaction. I kindly request that the payment be released to the seller as soon as possible, as there are no disputes or issues regarding this transaction. For your reference, the receipt has been attached, which confirms the details of this payment. If any additional information is required, please feel free to contact me. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Even with this letter from the client sent by himself through the PayPal app, they are withholding my money. I asked them to refund the client so he can pay me via XXXX or another payment method. PayPal is acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I'm filing this complaint against Barclay ( account XXXX ) for engaging in deceptive bait and switch marketing and making unauthorized changes to my account Over the last XXXX years from XXXX, XXXX to XX/XX/XXXX XXXX, Barclay increased my line of credit numerous times as seen in my XXXX report ( XX/XX/XXXX {$8000.00}, ) increased XXXX XX/XX/XXXX {$9000.00} / XX/XX/XXXX -- XX/XX/XXXX {$9500.00} / XX/XX/XXXX - XX/XX/XXXX {$11000.00}. I was targeted and accepted a specific balance transfer. I relied on this offer to manage my financial obligations. However after a 5 day late payment XXXX/2026- for which Barclay acknowledged the minor nature and granted me my usual {$83.00} dollar payment, and granting me a {$40.00} first time forgiveness, when checking my account XXXX days later I saw that the bank had abruptlycancelled my balance transfer, and slashed my credit limit from {$11000.00} to {$7900.00}. I made an immediate payment of {$1000.00} to try to get this account back on track with no avail. This action has effectively trapped my balance at a higher interest rate, after luring me with an offer for a balance transfer. After contacting an account XXXX XXXX ID XXXX to resolve this XXXX2026 issue, a soft pull was done on my credit. I was informed the credit limit could not be restored or the interest rate reduced. No other program for reduction was offered. I believed Barclay used the unauthorized balance increases to encourage higher utilization, then used a minor administration delay to bait and switch me out of a promised product. This has caused me an increase almost 3 times as much from {$83.00} a month to $ 238 monthly increase which has caused me undue financial stress unexpected increases. Desired Resolution I request Barclay restore my line of credit limit of {$11000.00}, and payment to its original manageable amount as my account remain strong despite a single 5 day delay. 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 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: CA

Complaint narrative:
On XX/XX/year>, I discovered a utility account being reported under my identity that I dispute as unauthorized. I did not open or authorize this account, nor did I authorize anyone to use my personal information or Social Security number to establish service. I became aware of this account only after it appeared in collections/on my credit report. On XX/XX/year>, I contacted NV XXXX customer service to dispute the account and report it as fraudulent/unauthorized. I also attempted to contact the alleged fraud department directly, but after XXXX attempts to call the provided number, no one answered. During my communications with XX/XX/XXXXXXXX, I requested documentation showing that I personally opened or authorized the account, including account opening records and identity verification information. XX/XX/XXXXXXXX refused to provide the requested records and stated that such documents would only be released through a subpoena. I was informed that collection activity may continue during the investigation. I also never received billing notices, collection notices, phone calls, or email communications regarding this alleged account or debt prior to discovering it on my credit report. I have cooperated by providing supporting documentation relevant to my residency history and dispute. However, I am concerned that the company continues collection/reporting activity while refusing to provide meaningful verification that I personally authorized or established the account. I am requesting a reasonable investigation into this disputed account and correction/removal of any inaccurate credit reporting if the account can not be properly verified as having been opened and authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Essential Lending Inc
State: MS

Complaint narrative:
I am filing this complaint because Wise Loan ( Essential Lending, XXXX ) is in violation of XXXX Regulation B. I have not received a Notice of Adverse Action for my application, and the company has made it impossible to request XXXX. On XX/XX/year>, I attempted to reach the company using the official contact email provided on their website ( XXXX ). This message was rejected by their server ( Status code : XXXX XXXX ). By providing non-functional contact information on their public-facing website, the company is obstructing the legal right of consumers to obtain the specific reasons for credit denial. I have attached the 'Non-Delivery Report ' as evidence that this lender is intentionally unreachable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Notified by business partner today regarding Chase Ink Credit Card ending XXXX associated with business account that the business account was displaying as closed in the online portal through Chase.com. Writer contacted Chase customer service at XXXX CT and spoke with initial customer service representative after XXXX minute wait time. Length of call total was XXXX minutes. XXXX customer service representative indicated account was closed due to inactivity and stated a parcel of mail had been issued on XX/XX/year> from Chase to the business mailing address. This was noted by the writer that such mail parcel was not received by the business. Requested review of account and reinstatement, initial representative stated per policy she was unable to do so and decision was final. She then offered to escalate this to her supervisor. Writer spoke with supervisor regarding situation, repeating information. Supervisor verified that credit card was closed on XX/XX/year> as an attempt to contact business was made with no response. Supervisor verified that Chase does not utilize signature request delivery with XXXX to verify that critical communication is received. Moreover, she also indicated that electronic messaging such as text or email is not sent to the business or credit customer on file to communicate such critical messages. Also, there was no such warning or banner on the internal payment portal of the pending potential closure or the need for activity. Requested account be reinstated given lack of proof of information delivery and strong credit utilization record. Request denied, offered to reapply for card. The situation will have negative impact on credit reports showing XXXX. Reduction in overall credit history with closed account remark accounting for XX/XX/XXXX of personal credit score, XXXX. Reduction in overall total credit available and debt to credit ratio accounting forXX/XX/XXXX of personal credit score and XXXX. Affecting future decision for any credit requested from alternate companies, factoring into decision to offer credit. Request to reinstate account was flatly denied. No remedial offers available other than reapplication. No offer for proof of mailed letter to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
My name is XXXX XXXX and chime is closing my account tomorrow without any explanation. I received benefits on this account. Now I have to wait longer since I have to change banks. This wouldn't happen if chime don't close my account. They really need to explain and not close my account. Leave it open and leave my account alone!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Regions Bank for failing to comply with Regulation E and Section XXXX of the Consumer Financial Protection Act. I submitted a written Regulation E request regarding unauthorized transactions and requested the required written findings, evidence, and internal investigation notes. Regions has not provided the required disclosures, has not provided the data used to make its decisions, and has not responded to followup requests. This lack of transparency has caused downstream financial harm. Details : - I submitted a written Regulation E dispute to Regions Bank on XX/XX/year>. - Regions did not provide the required written findings within the statutory timeframe. - Regions issued duplicate provisionalcredit letters, reversed a provisional credit without explanation, and issued XXXX replacement debit cards without providing any written findings or evidence supporting their decisions. - I requested copies of all internal notes, evidence used in the investigation, and the basis for the decision, as required under Regulation E. - I also requested my personal financial data under Section XXXX, including transaction data, internal decision data, fraudflag data, and any information used to assess risk. - Regions has not provided any of the required documentation and has not responded to followup requests, including my formal written request sent on XX/XX/year>. Harm : Regions failure to provide required disclosures has prevented me from understanding or disputing their decision. Their lack of transparency has contributed to downstream financial restrictions, including denials and limitations from thirdparty services that rely on bankreported data. I can not correct or challenge any inaccurate information because Regions has not provided the required findings or data. Requested Resolution : I am requesting that Regions Bank : - Provide the full written Regulation E findings, including all evidence used in the investigation. - Provide all personal financial data required under Section XXXX. - Provide all internal notes, fraudflag data, and decision information related to my account. - Correct any inaccurate information and confirm compliance with federal law.

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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
Good Afternoon, The issue started yesterday XX/XX/year>, when I posted on XXXX XXXX XXXX XXXX XXXX monitors to sell, the person was sending me {$250.00} through Zelle. I've used Zelle in the past and have had no issues so this time around it was really frustrating. The sender of the {$250.00} had a business account while I have a personal XXXX XXXX account and when they attempted to send the money it was indicated it was on hold and that I had to call customer support at which I did and then was told I have to put in an extra {$500.00} in order to access the {$250.00} at which like most americans, I'm living pay check to pay check so that was not an option. Also while on the phone with XXXX, he was rude and said something along the lines as of " how are you this broke '' and explained that comment was uncalled for and unprofessional while getting more and more frustrated because I was calling them all day and was unable to get through to resolve this issue that shouldn't have even been a problem to begin with. I don't have an extra {$500.00}, I literally have {$2.00} in my account and they stated I could be reported to the FBI and so forth so I want to make sure that doesn't happen and want to cancel this transaction on both parties and will work with the person another way if they are willing to as we weren't expecting to go through this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am filing this complaint regarding an alleged debt that I do not owe. This appears to be a case of identity theft or mistaken identity. The collection agency, Columbia Debt Recovery LLC dba Genesis, claims I owe a balance related to an apartment account with the original creditor listed as XXXX. I have never resided at this property and have no knowledge of this account. The account was reportedly placed for collections on or about XX/XX/year>, with an alleged balance exceeding {$25000.00}. I have made multiple requests for validation of this debt, specifically asking for : Dates of alleged residency A copy of the lease agreement bearing my signature Documentation showing I am responsible for this account Despite these requests, the company has failed to provide any of this information. Instead, they continue to send collection notices and settlement offers without validating the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt. This company has not complied with that obligation and continues collection efforts without providing proof.

Company response to consumer: Closed with explanation