vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I opened a bank account with td bank within the past 5 years or so which I closed myself about almost 1 years ago just prior to me relocating from Connecticut to XXXX XXXX because of issues regarding my personal safety so I had no choice but to flee. Upon closing my bank account with td bank I found another bank in Connecticut with branches in XXXX as well and opened a new account with XXXX XXXX. The issue is td bank illegally doing multiple claim reversals without informing me that I had 60 days to dispute it and therefore I gad no knowledge that I had a right to know about their 60 dispute policy till this week when I had another illegal claim reversal with XXXX XXXX. I called XXXX and I'm waiting to see what happens. But td bank lied about being able to look up my old bank account, under federal banking laws banks are legally obligated to keep banking records even after bank accounts have been closed andvtye fact it was closed about XXXX year ago they still have the bank account records and the multiple illegal claim reversals have happened between account opening and account closing. I believe 1 account reversal from td bank was literally almost {$5000.00} and there were several other smaller claim reversals made by them. My only income ive ever had has always been ssi benefits through social security and social security benefits are federally protected from XXXX for court settlements and bank claim reversals. Had I been appropriately informed I would have disputed the claim reversals before closing the account. I provided td bank with my social security number and told them I can also provide my updates XXXX Indiana photo id as well as my birth certificate they claimed they can't find me in their system after the accounts been closed. Their taking advantage of the fact I'm no longer in XXXX so I can't physically go in and resolve the issue, upon me informing them I know what my rights and what the laws are regarding an illegal clawback the man laughed and acted like I'm stupid and bluffing. I then informed the man I will be filing a federal lawsuit and I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Venmo transaction of {$25.00} sent today XXXX. The person I sent it too is unable to access her Venmo account. She stated she went negative and I wasnt aware of this till after sending the money. I tried calling XXXX XXXXXXXX XXXX XXXXnd unable to speak to a live representative. I then used Venmo chat and spoke with a live rep via chat. He stated Venmo cant reverse the {$25.00} sent and I'm out of luck. I would like my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am beyond frustrated at this point with Midland Credit Management. This collection account does not belong to me, and I honestly do not understand why I keep having to fight to prove something that is not mine. For almost a year now, I have been disputing this account with the credit bureaus and requesting proper verification from your company, yet nobody has provided me with anything that actually proves this debt belongs to me. I have requested documentation multiple times, including a wet signature and any original signed agreement tying me to this alleged account, and I have received absolutely nothing. I have sent around XXXX letters already trying to resolve this matter, and I am exhausted from going in circles with no answers and no validation. I am retired already, and this situation is seriously affecting my life. This inaccurate account is hurting my credit and preventing me from being able to purchase a home for my children. It is unfair that I continue to suffer because of a debt that is not mine and that nobody can properly verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am filing a complaint regarding my auto loan account after my vehicle was declared a total loss following a car accident on XX/XX/year>. My insurance company ( XXXX ) issued an electronic payoff ( EFT/ACH ) to my lender ( Santander ) to satisfy the remaining balance on my auto loan for Progressive Claim XXXX. The payment was sent on XX/XX/year>, and the payment cleared on XX/XX/year>. Despite the lender receiving and clearing the payoff funds, my auto loan account still does not reflect as paid in full or closed. The lender continues to show the account as active. Timeline : XX/XX/year> : Vehicle involved in accident and later declared a total loss. XX/XX/year> : Insurance company issued EFT payoff to lender. XX/XX/year> : Payoff payment cleared. Since XX/XX/year> : Account has not been updated to reflect payoff/closure. I have not continued making monthly payments because the loan should have been satisfied by the insurance payoff. I am concerned that : the lender has failed to properly apply the payoff funds, my account may be inaccurately reported as delinquent, and my credit may be negatively affected due to the lenders failure to process the payoff correctly. I am requesting that the lender : Immediately investigate and properly apply the insurance payoff funds ; Correct the account status to reflect paid in full/closed if the loan has been satisfied ; Remove and correct any inaccurate negative credit reporting related to this matter ; Provide a written accounting of the payoff application and any remaining balance, if applicable. I can provide supporting documentation including insurance payoff confirmation, EFT/ACH payment records, account statements, and claim documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this formal complaint against Citibank for a direct violation of Regulation Z and a failure to uphold their contractual Zero Liability Policy regarding unauthorized transaction fraud. On XX/XX/year>, I discovered an unauthorized, fraudulent pending charge of {$59.00} on my account, masked with an XXXX billing description. I immediately called the card issuer 's fraud department to report that my card was compromised and to initiate an unauthorized transaction dispute. The frontline representative refused to accept the fraud report. She improperly attempted to classify an obvious authorization fraud event as a merchant dispute. She lectured me, stated that the issue was " my problem to fix, '' and informed me that I could not dispute the item while it was pending. Furthermore, she stated that I would have to monitor my account, call back after it posted, and enter a lengthy dispute process that " I may not win. '' Furthermore, the representative intentionally engaged in dangerous semantics to confuse the report. I explicitly and repeatedly requested to cancel the compromised plastic card and have a new card number issued. Instead of executing this standard security procedure, she repeatedly twisted my words, asking if I wanted to " close the account '' entirely. She weaponized this semantic runaround over and over throughout the conversation, causing unnecessary escalation and intentionally delaying critical security measures on a compromised account. By refusing to immediately flag a compromised card, block further unauthorized velocity, and queue the fraud dispute for settlement, the bank failed in its duty to protect the consumer. Furthermore, telling a consumer they " may not win '' a dispute on a completely unauthorized transaction explicitly undermines federal consumer protections. I have since locked the card myself to prevent further financial harm.

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 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In my prior CFPB complaint ( submitted XX/XX/year> ), I reported that XXXX reduced my credit limit on XX/XX/year> based on inaccurate Equifax information caused by a fraudulent XXXX XXXX tradeline. Equifax completed its investigation on XX/XX/year> and deleted the tradeline, restoring my score to XXXX with no derogatory information. XXXX did not reconsider the adverse action during the prior complaint. After the CFPB closed that complaint, I submitted a full written reconsideration request to XXXX on XX/XX/year>. XXXX received it via certified mail on XX/XX/year>. On XX/XX/year>, I also sent a Final Written Notice requiring that all communications remain in writing for documentation and accuracy. Despite receiving complete documentation and a writtenonly requirement, XXXX did not conduct a reconsideration. Instead, on XX/XX/year>, XXXX sent a form letter stating that they were unable to approve your request to increase the credit limit because income and/or mortgage/rent information was not provided. I did not request a new credit limit increase. I requested a written reconsideration of the XX/XX/XXXX adverse action based on corrected credit data. XXXX XX/XX/XXXX letter did not address the inaccurate information used in the XX/XX/XXXX decision, did not review the corrected Equifax file, and did not reconsider the adverse action. The letter also stated that XXXX can not take this information in writing and must speak with you, which contradicts my writtenonly requirement and does not satisfy their obligations under the Fair Credit Reporting Act to base adverseaction decisions on accurate information. XXXX has now failed twice to conduct a meaningful review : once during the original CFPB complaint, and again after receiving a certified Final Written Notice. The adverse action remains in place without any current creditfile basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am escalating a dispute regarding multiple transactions processed on my U.S. Bank account to an online gaming platform operating under the name " XXXX. '' Following the state enforcement actions referenced below, these transactions total approximately {$1200.00}. I previously initiated a billing dispute directly with U.S. Bank. The claim was closed and denied under standard commercial merchant rules, with the bank concluding that " services were received '' because virtual items were credited within the application. I am submitting this complaint because U.S. Bank 's investigation failed to account for the legal and regulatory status of the merchant in my jurisdiction at the time the funds were processed. On XX/XX/year>, the Illinois Gaming Board ( IGB ), working in conjunction with the Office of the Illinois Attorney General, officially issued a formal Cease-and-Desist order to XXXX. The state regulator explicitly declared that the platform was operating an illegal, unlicensed online gambling entity in direct violation of the Illinois Criminal Code ( 720 ILCS 5/28-1 ). Under Illinois law, gambling contracts and related financial transactions executed with an unlicensed operator are void from inception. Furthermore, federal regulations under the Unlawful Internet Gambling Enforcement Act ( UIGEA ) place strict compliance burdens on financial institutions to monitor and restrict transaction processing for unauthorized gambling entities. Because these transactions took place after the State of Illinois publicly declared this merchant 's operations illicit, U.S. Bank processed payments for an unauthorized enterprise. The banks determination that the dispute is invalid because " services were received '' is legally flawed ; an illegal, void contract can not constitute valid services rendered. I request that U.S. Bank 's executive compliance team review this file, verify the attached official Illinois Gaming Board Cease-and-Desist order, and credit my account for the funds processed after the XX/XX/year> enforcement date.

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 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I sent a domestic wire transfer for {$10000.00} from my PNC bank account to a XXXX XXXX account on XX/XX/year>. PNC flagged it as fraud, causing XXXX XXXX to close the receiving account. I filed a wire recall to get the money returned to my account in late XXXX or early XXXX. I made numerous phone calls to find out the status but was told only that it may take 50- 90 days for the recall. I received a letter from PNC on XX/XX/XXXX advising me that they were unable to complete the recall. I went to my local PNC branch and a manager there was advised by PNC to do a second wire recall which she did. I have learned from the receiving party that the money has been taken from her account but neither XXXX XXXX nor PNC can give me any information regarding the status of the recall, other than their standard answer of 50- 90 days. This is completely unacceptable. Neither bank has ever contacted me for any kind of " investigation '' which they say is the reason why the recall takes so long. MY MONEY is in limbo somewhere and PNC does not pay me interest for their use of my funds. I need the money and can not wait another couple of month to get it returned to my account. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am reporting an issue with how USAA handled unauthorized credit card transactions. Two unauthorized transactions posted to my USAA credit card on the same day from two different XXXX merchants ( XXXX and XXXX ). Approximately eight additional attempts were declined. I did not authorize any of these transactions. When I reported the unauthorized transactions, USAA opened them as merchant disputes instead of treating them as unauthorized use under Regulation Z. This resulted in the wrong investigation process being used. I submitted a written notice explaining that the transactions were unauthorized and uploaded documentation directly to the dispute section of my account. I also contacted USAA through chat to request that the new information be forwarded to the dispute department. USAA did not acknowledge or incorporate the written notice or documentation into the investigation, and the disputes continued to be processed under the merchant dispute workflow. Because the transactions were misclassified from the beginning, USAA did not follow the required procedures for handling unauthorized credit card use, including the appropriate investigation process and review of the evidence I submitted. I am requesting that USAA review how the unauthorized transactions were handled and ensure that future reports of unauthorized use are processed under the correct Regulation Z procedures.

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 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This is getting passed my breaking point! I have the screenshots showing that you offered users like me a flat rate of 3 percent for any purchase using the XXXX XXXX credit card! I completed an transaction of {$970.00} and should've received {$29.00} in cash back rewards not {$14.00} ( XXXX points )! Credit card specialist from Synchrony, XXXX XXXX and her supervisor, account manager, XXXX XXXX were nothing but unprofessional XXXX! Especially her supervisor, XXXX! He was blaming me for not reading the terms when he is the one who can't read! He is a fool and needs to be reprimanded! You are caught red-handed for false advertising! It's 3 % everywhere, not just at XXXX! If this promotional discrepancy is not rectified immediately, I will pursue formal regulatory action against OnePay XXXX through both the FTC and the Maryland Attorney General 's Office.

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 2026-05-22 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: ProCollect, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX {$7700.00} -judge gave me 30 days to retrieve what I could out unit ; stated that whatever property remains would settle balance. Procollect , inc XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1800.00} - was informed that XXXX dollars and other fees needed to obtain lease agreement and unit keys. I never made deposit/fee payments nor obtained keys/moved in and obtained lease agreement.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX I received a statement to my address for a truist business acct. I dont have a business and no acct with truist The statement came in my previous married last name. Ive been remarried since XXXX. I submitted my marriage license and XXXX card to the bank, filed a dispute and nothing was done. Someone signed my middle initial and previous name on these checks and the bank cashed them. The acct had no business name or tax ID number, just my old name and social. The dispute got declined and now. Months later, they sent me a letter stating they have been charged off and will go on my credit. I have documentation of everything.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
The XXXX XXXX/XXXX XXXX XXXX account is reported with different dates, statuses, pastdue amounts, and account types across XXXX XXXX and XXXX. These conflicting details can not all be accurate. I am requesting an investigation and removal because the information is inconsistent, unreliable, and can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a XXXX account being reported and/or collected by McCarthy Burgess & Wolff . I disputed this account directly with the collection agency and the credit reporting agencies after inaccurate and/or disputed information appeared on my credit reports. On XX/XX/year>, I mailed a written dispute and validation request to McCarthy Burgess & Wolff via certified mail regarding the account and the accuracy of the information being reported. Despite this written dispute, the account has continued to be reported and my credit score has been negatively affected. I was not provided with any written notice or other communication from McCarthy Burgess & Wolff Inc informing me of this alleged debt, and I only became aware of it through my credit report. The account appears to have been transferred between multiple collection agencies, and I did not receive clear or adequate notice regarding these transfers, which has contributed to confusion regarding the validity and accuracy of this debt. I have not received a meaningful validation response addressing the disputed information. I also disputed the account with the credit bureaus, but the account was verified without sufficient explanation regarding the method of verification used during the investigation. I am requesting : - A proper investigation into the disputed reporting - Verification and documentation supporting the account and balance being reported - Review of whether continued reporting complies with the Fair Credit Reporting Act and Fair Debt Collection Practices Act - Correction or removal of inaccurate or unverified information if it can not be properly substantiated I am maintaining records of my disputes, credit bureau communications, and certified mail documentation.

Company response to consumer: Closed with non-monetary relief