vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: A-1 Premium Acceptance, Inc.
State: WI

Complaint narrative:
This has been going g on since XXXX of 2025 I have submitted XXXX different complaints about king of kash for taking money from my account for a loan that was never funded to me on my last complaint the company stated that they need new bank information for me due to the payment being returned I submitted no bank info to them on XX/XX/XXXX via email I also resubmitted my new bank info again on XX/XX/XXXX which I have yet to receive my refund for the money taken from me due to a loan never being funded you can never speak with anyone from there financial department does this department even exist at this point I have been given nothing but the run around for my refund I have also submitted the emails showing the new bank info that was sent over with the dates

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
Cash App has stock investments. A trader is allowed three trades in a 5 day period. A trade is a buy and sell on same day. The market JUST opened. I went to by $ XXXX stock it showed an error and said purchase didnt go through but it did. I then tried to sell and it blocked me and said I couldnt sell because I was over trades but I only made the one buy for the day and hadnt sold anything so now because I couldnt pull out my money I have lost {$40.00} and it continues to lose because the system says Ive done my allowed trades but I HAVE NOT even executed one for the day. Thanks to your app I cant even pull my money out and Im losing money!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: KY

Complaint narrative:
Issue : Incorrect information on your report / Debt is not yours Company : Solar Mosaic LLC ( now managed by XXXX XXXX XXXX XXXX XXXX XXXX who has taken over the debt and reporting to XXXX Detailed Description : I am filing this complaint against Solar Mosaic LLC XXXX XXXX XXXX XXXX regarding Account # XXXX. This account is currently being reported as a " XXXX, '' which is legally inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). 

Chronology of Events & Breach of Contract : Agreement Date : On XX/XX/XXXX, I entered into a contract for a solar installation with XXXX XXXX XXXX  ( Loan # XXXX ). 

The Promotional Obligation : As part of this contract, I signed the " XXXX Months of Solar Payments Promotion Addendum. '' This legally binding agreement obligated XXXX XXXX to reimburse me {$150.00} per month for the first XXXX months of the loan. 

Loan Terms : The loan was finalized on XX/XX/XXXX, with a total amount financed of {$52000.00}. 
The XXXX : Shortly after the installation, XXXX XXXX permanently ceased operations and went out of business. They defaulted on their contractual obligation to pay the {$150.00} monthly subsidies, resulting in a total failure of consideration and a material breach of the original contract. 
Legal Defense ( FTC Holder Rule ) : Because this was a " consumer credit contract '' for a solar installation, it is governed by the FTC Holder Rule ( 16 C.F.R. 433 ). This rule states that the holder of the debt ( Mosaic ) is subject to all claims and defenses that I have against the seller ( XXXX XXXX  ). Since XXXX XXXX  breached the financial terms of the contract, this debt is legally in dispute and is unenforceable in its current state. 

Actions XXXXaken & Credit Bureau Failure : XX/XX/XXXX : I sent a formal request for debt validation. 
XX/XX/XXXX : I followed up with a formal notice to XXXX  regarding the lack of validation. 
XX/XX/XXXX : I sent a formal FCRA Section 611 Dispute to both XXXX XXXX XXXX, providing the specific Promotion Addendum and proof of XXXX XXXXXXXX XXXX  business closure. 
The Discrepancy : Upon reviewing my evidence, XXXX investigated and permanently deleted this account from my credit file. However, XXXX XXXX XXXX have returned the account as " verified. '' I believe the bureaus are performing inadequate, automated " pings '' to the lender rather than a reasonable investigation into the legal breach of contract and the defunct status of the installer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am disputing Resurgent/LVNVs attempt to collect on an account they claim was opened in XXXX. I was never notified about this account at the time it was allegedly opened, and it did not appear on my credit report. During my recent identitytheft dispute involving a separate XXXX XXXX XXXX account, neither XXXX XXXX nor XXXX disclosed the existence of this XXXX account. I only learned of it after the XXXX account was closed, when XXXX began sending letters about it. 
XXXX of XXXX letters states that I inquired about this XXXX account. This is incorrect. I never contacted XXXX  about this account, never disputed it, and did not know it existed. My only communication was regarding the separate XXXX account. Their statement that I contacted them about the XXXX account is inaccurate and raises concerns about the accuracy of their records and the reliability of their communication. 
The timing of this disclosure is unusual. If this XXXX account truly existed, it should have been disclosed during my identitytheft investigation and communication regarding the XXXX account. The sudden appearance of a second account immediately after the first was closed is inconsistent with normal notification practices and raises questions about recordkeeping and account handling. 
The letters I received from XXXX also contain contradictory statements. In the same communication, they state that the alleged XXXX debt is too old for legal action while also urging immediate payment. This conflicting language is confusing and does not provide clear information about the status of the account. 
I am not claiming ownership of this XXXX account. I am contesting XXXX  attempt to collect a debt I do not owe, the inaccurate statement that I contacted them about it, the lack of prior notice, the timing of the accounts appearance, and the contradictory and unclear communication I received. I am requesting that the CFPB review XXXX  handling of this matter, including their documentation, timeline, and communication practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The documentation associated with my financial account reflects inconsistencies and errors that affect its integrity, and I kindly request a detailed review and revision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing this complaint regarding unauthorized debit card transactions on my Regions Bank checking account and the banks denial and lockout of my fraud dispute. 

Between XX/XX/XXXX and XX/XX/XXXX, my debit card/account was compromised, resulting in multiple unauthorized transactions that I did not make or approve. I reported this as fraud to Regions Bank, but the dispute was denied and my ability to re-file or submit documentation online was locked, leaving me without a written appeal process. 

Unauthorized transactions include : XX/XX/XXXX XXXX {$22.00} XX/XX/XXXXXXXX XXXX XXXX {$33.00} XX/XX/XXXX XXXX XXXX  {$33.00} XX/XX/XXXX XXXX XXXX {$12.00} XX/XX/XXXX XXXX {$66.00} XX/XX/XXXX XXXX {$21.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$30.00} XX/XX/XXXX XXXX {$47.00} XX/XX/XXXX XXXX {$80.00} XX/XX/XXXX XXXX {$11.00} XX/XX/XXXX XXXX {$7.00} XX/XX/XXXX XXXX {$8.00} XX/XX/XXXX XXXX {$6.00} XX/XX/XXXX XXXX {$11.00} XX/XX/XXXX XXXX XXXX {$12.00} XX/XX/XXXX XXXX XXXX {$44.00} XX/XX/XXXX XXXX {$30.00} XX/XX/XXXX XXXX XXXX {$55.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX {$30.00} XXXX XXXX {$30.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$14.00} XXXX XXXX {$27.00} XXXX XXXX XXXX {$6.00} XX/XX/XXXX XXXX {$72.00} Total unauthorized amount : {$720.00} While there were some legitimate transactions on my account, those do not authorize or validate unrelated fraudulent charges. I am requesting that Regions Bank reconsider my fraud claim, reimburse the unauthorized transactions listed above, and provide a written explanation of the denial and evidence relied upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a checking account under this offer. I have met all terms. The company still has not posted the promised bonus amount : To qualify for the bonus, simply : Open a new Basic or Enhanced Checking account with promo code XXXX. 
Choose the bonus thats right for you. Earn {$500.00} with at least a {$5000.00} balance or earn {$1000.00} with at least a {$30000.00} balance. 
Deposit money. Deposit required balance from non-Capital One accounts within XXXX days of account opening. 
Maintain minimum required balance. Maintain the minimum required end of day balance for at least XXXX  days during the first XXXX days of account opening. 
Complete transactions requirement. Make XXXX qualifying electronic transactions within XXXX days of account opening. Qualifying transactions include electronic wire, electronic ACH, and remote check deposit. 
Bonus time. Bonus will be deposited into your new business checking account after you complete these steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WA

Complaint narrative:
MY SUMMARY US Bank XXXX XXXX # : XXXX Date opened : XX/XX/year> Branch : XXXX XXXX, Washington Promo : {$200.00} checking bonus for switching my direct deposit. I complied fully. 
Note : I explicitly requested XXXX ( XXXX ) times during the first week of opening my account for no overdraft Grievance : US Bank 's shifting explanations and delays for providing me the {$200.00} bonus, final denial based on alleged negative balances My assertion : Any negative balances occurred due to bank posting order or failure so negative balances occurred due to bank posting order or failure on their part. 

MY STORY : I signed up for an account with US Bank on XX/XX/year> in their XXXX XXXX branch, taking advantage of a promotion that would pay me approximately XXXX dollars if I opened a checking account and switched my work direct deposit to their bank. I complied faithfully. I asked the banker to also be sure to make the account negative proof, such that if I don't have the funds in my account I want the card to reject the transaction. The banker agreed and she configured it. But after a week I realized it wasn't effective, so I called and straightened it out. THUS, on XXXX separate occasions at the beginning I requested my account not allow overdraft. And I think my banking experience was satisfactory overall. In XXXX I was ready to get my {$200.00} bonus. I went into the branch in XXXX XXXX but the banker couldn't find my bonus in the system, he looked concerned. I called a few days later and talked to customer service. I asked when I was getting my bonus? They said it's another month wait after your XXXX days wait. I said that is disappointing but I will wait. So XXXX rolls around and I was counting on that {$200.00} they promised to buy XXXX presents. I called and they said " it won't be in your account until approximately XX/XX/XXXX. '' Now I'm getting really disappointed. But I'm patient and wait until XX/XX/XXXX but still nothing. I did everything they said and I was in the phone for XXXX hours getting passed around the company from XXXX to the escalation team. Finally a woman said oh sorry you don't qualify for the bonus, due to the fact that there have been a few times during the XXXX days that your account was negative. I said that's impossible I set it up with the banker to avoid that in my first week. She asked if I want to file a grievance. I did that and asked her to note that I did everything that was asked but now you want to take the bonus away from a poor hardworking guy all the while telling me to keep waiting? That is mean spirited. I haven't heard anything since filing the grievance. Ironically, the amount of customer service labor hours they spent denying my bonus probably totaled over {$200.00}.

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 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OH

Complaint narrative:
When contacting Jefferson Capital Systems XXXX XX/XX/year> about a settlement payment I made on XX/XX/year> I was informed that the payment could not be accepted with XXXX different excuses on why the payment couldnt be accepted. They were already on my credit reports as a collection. 

Upon getting alerts from my credit reports on XX/XX/XXXX and XXXX, XXXX I notice that they reported intentionally twice the same debt on my credit. This I believe is a retaliation to XXXX harm my credit further because they didnt go through with the payment I submitted to make the settlement offer. 

Reporting the same debt on my credit is considered double-entry reporting '' or " double jeopardy '' and is often a violation of the Fair Credit Reporting Act ( FCRA ), as it inaccurately inflates my debt amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
In or about XXXX we entered into an agreement w/XXXX XXXX for cellphone service. Their contract/agreement stated that we were to return our phones at the end of the contract. With four phones to return upon completion of this agreement, we were only provided with one envelope to return two phones. We did as instructed, and returned two of the four phones in contract. The envelope only held two phones. We then requested several times with XXXX XXXX to send us the required materials to return the two phones and each request was ignored. From here we then attempted to return the phones to our local XXXX XXXX store located in the XXXX XXXX in XXXX, NY. They explained that we needed to send the phones back to XXXX XXXX directly. 

Since we exhausted multiple attempts to fulfill our obligation and XXXX XXXX  ignored multiple requests to honor their agreement, I am of the firm belief that XXXX XXXX is negligent. Our account was then purchased by Jefferson Capital sometime in or after XXXX  and a collections account was established for {$140.00}. I am not certain if we verified the validity of the debt or not as I knew that we had attempted to return these phone multiple times.

As of this weekend, Jefferson Capital has now established an additional collections account in my name and my FICO Score has dropped XXXX. ( See attached ) This is a duplicate account for {$140.00}. Now that there are two collections records on our account, I believe that this is fraudulent with an intent of forcing me to pay for malfeasance on behalf of XXXX XXXX. From my understanding if I attempt to address this with Jefferson Capital it may restart the XXXX collections activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: MA

Complaint narrative:
I had XXXX prepaid visa cards that I got as a rebate, they expired and I called and they reluctantly reissued them but gave me XXXX new card numbers. I attempted to use both and neither worked. They are unwilling to reissue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I am filing this complaint against Ally Bank for what I believe to be Abusive and Deceptive Acts ( UDAAP ), as well as politically motivated 'de-banking ' in violation of the Executive Order of XX/XX/XXXX. 

Ally Bank recently initiated a forced closure of all my accounts. While they liquidated my standard accounts, they are now refusing to release approximately {$35000.00} in Traditional IRA assets, effectively holding my retirement savings hostage. 

Specifically, Ally Bank is in breach of its own written contractual commitment. I possess a letter from Ally Bank dated XX/XX/XXXX, which states : 'We will waive the penalty for early withdrawal from any Certificate of Deposit and pay interest earned up to the date of closing. ' Despite this written guarantee, Ally representatives now claim the account is 'out of the grace period ' and refuse to facilitate the closure or penalty-free transfer. When I attempted to hold them to their written agreement, I was met with extreme hostility, and the representative ultimately hung up on me. 

I believe this refusal to release funds is a retaliatory and politically motivated de-banking action. Ally is using bureaucratic stalling tactics to adversely modify the conditions of my financial services based on non-financial factors, a practice that the CFPB and the Indiana Attorney General ( with whom I have also filed ) are currently investigating. 

Desired Resolution : I demand the immediate, penalty-free liquidation or Trustee-to-Trustee transfer of my IRA assets to a financial institution of my choosing, honoring the fee waiver promised in Ally 's letter dated XX/XX/XXXX. I also request a formal apology for the unprofessional conduct of the staff.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am filing this complaint against Chime Financial regarding a deceptive promotional offer ( Ticket # XXXX ). 

Timeline of Events : XX/XX/year> : I officially opened and verified my Chime account. I received a 'Welcome ' email from the official domain : XXXX XXXX XXXX XXXX XXXX XXXX 

I use the link from XXXX XXXX who is a legitimate email marketing service provider that functions as a delivery partner for chime solicitation. Since I was able to open and verify my account through them chime has legally accepted the results of that marketing and can not utilize third-party marketing to acquire new customers and then disavow those same services to avoid paying the promise sign up bonus. 

XX/XX/year> : After my account was already active, Chimes marketing partner ( XXXX ) sent me a follow-up solicitation for a {$25.00} sign-up bonus using the promo code XXXX '. Prior to my contact with a supervisor I spoke with several Chime agents attempting to resolve this issue over more than a week. 

XX/XX/year> : I contacted Chime support to ensure the {$25.00} credit was applied. The supervisor refused to honor the bonus, claiming the offer was non existent The Issue : The supervisor dismissed my proof as 'spam, ' even though the email led directly to the official Chime app and resulted in a verified account. Chime is engaging in a 'Bait and Switch ' practice by actively marketing a {$25.00} bonus to new members ( as late as XX/XX/XXXX ) that they internally claim expired weeks prior ( XX/XX/XXXX ). A bank can not legally solicit customers with an offer and then refuse to honor it based on a hidden expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX. My Cash App account was accessed without my authorization and multiple transactions were made at smoke shops using my Cash App card and Cash App XXXX features. I did not make or authorize these transactions. 

I am legally under the age required to purchase tobacco or vape products and could not have made these purchases. I reported the transactions to Cash App as fraud. 

These unauthorized transactions resulted in financial loss and fraudulent debt being created in my name. I am requesting a full refund of all unauthorized charges and removal of any related XXXX or XXXX  balances.

Company response to consumer: Closed with explanation