vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 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: Incomm Holdings Inc.
State: NC

Complaint narrative:
I have {$500.00} Secure Spend Prepaid XXXX. 

On XX/XX/year>, I tried to use this card to pay my property tax but my transaction is declined. 

Declined - Security Policy - XXXX  XXXX, XXXX XXXX, NC I called their customer service and was told that it was declined by merchant and I should use the card on other merchant. He also told me to use it after sometime. 

Is this transaction declined by Merchant or Secure Spend? How can merchant declined the transaction when it is already showing on XXXX portal? 

On the card, it is mention that it can be use any where where XXXX debit card can be used. I'm able to use my other XXXX debit card on same merchant before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The bank suspended access to my bank accounts due to suspicious activity which they say was a compromised device accessing my accounts. They stated that the accounts would have to be closed and new accounts opened. They would not identify the compromised device so I have no confidence that the new accounts won't be locked up repeating the original problem. I have spoken with XXXX XXXX at the local branch, the branch manager ( XXXX ) and a regional manager named XXXX XXXX. They all say they can't help anymore which leaves me with no one assisting 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 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On the XXXX of XXXX, I wired XXXX dollars from my PNC bank account and was told it was delivered but the recipients account at XXXX XXXX  in XXXX was not credited. 

Ive reached out to XXXX XXXX  to verify this and they claim it wasnt received also. 

Now I am asking PNC bak to refund the wire

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I still havent received {$250.00} i referred someone on XXXX they used the link and was approved also havent received the {$45.00} for signing up for the capital one shopping

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC
State: MI

Complaint narrative:
I told Revco solutions to send a copy of the itemized debt owed and they did not send it to me. I told them to stop contacting me via call or text, only mail, and they have repeatedly tried calling and texting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood on Monday XX/XX/XXXX notified me that my account was 'restricted due to suspicious activity '. There was no suspicious activity, I spoke to a customer service rep who did nothing, I can not reach out to and XXXX XXXX is now unusuable. I can not transfer it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: DE

Complaint narrative:
There was no satisfactory explanation, or no answer at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft from the XXXX nexus data breach, please remove all negative items from my credit report

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 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: MN

Complaint narrative:
I am formally disputing the accuracy, ownership, and legal compliance of multiple collection and charge-off accounts currently being reported on my credit report. These accounts are the direct result of compromised personal information and identity theft. 

In XXXX, I filed a police report documenting that my mobile phone was stolen, along with access to my personal identifying information. As a result of this theft, my personal and financial information was compromised without my knowledge or authorization. Any accounts opened, charged off, or sent to collections during or after this period are unauthorized and fraudulent. 

Despite this, the furnishers and consumer reporting agencies continue to report information that is incomplete, inaccurate, and unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the reported accounts contain discrepancies in account details, lack proper documentation establishing my liability, and fail to accurately reflect the true date of first delinquency or lawful account origination. 

This conduct violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681e ( b ), which require furnishers and credit reporting agencies to ensure maximum possible accuracy. Furthermore, after these accounts were disputed, the furnishers failed to conduct a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ). 

These accounts are being reported by third-party debt collectors. Continued reporting and collection activity without providing proper validation and proof of authorization constitutes false and misleading representation under 15 U.S.C. 1692e and a failure to cease collection activity pending validation under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically : THE BUREAUS INC ( Original Creditor : XXXX XXXX ) reports an account charged off on XX/XX/XXXX. I had no knowledge of this account, did not authorize it, did not sign any agreement, and was never contacted prior to the charge-off. 

XXXX XXXX ( Original Creditor : XXXX ) reports an account sent to collections on XX/XX/XXXX without my knowledge, authorization, or receipt of any contractual documentation. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) reports an account charged off on XX/XX/XXXX without my consent. My personal information was subsequently sold to a third party despite the absence of lawful authorization or validation. 

At no point did I agree to, authorize, or benefit from these obligations. Any assertion that I am legally responsible is unsupported and contradicted by the documented identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I deposited a XXXX dollar check from XXXX Bank into my Bank of America account using mobile deposit. I have received multiple checks from this same payer throughout the year and on a prior occasion Bank of America released funds early on a similar deposit hold. 
This XXXX Bank of America placed an extended hold on the deposit. Because of this delay both of my accounts became overdrawn and essential household utilities including water and electric are now at risk of interruption. The negative balances are a direct result of the deposit hold not new spending. 
I filed a CFPB complaint regarding this matter and was later contacted by a representative from Bank of America who stated they were responsible for handling my complaint and following up with me. I returned their call and left at least XXXX voicemails but have not received any return communication. No portion of the XXXX dollar deposit has been released and I have now been told I must wait an additional XXXX days. 
This continued delay lack of follow through and failure to provide any hardship relief is causing serious and ongoing financial harm to my household. 
I am requesting immediate release of the full deposit reversal of all overdraft and related fees caused by this delay and a formal review of this deposit hold under hardship and exception guidelines to prevent this from happening again.

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 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid.

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
My Coinbase account was hacked into. The hackers sold my XXXX and XXXX. They then transferred the cash from the sale to two different XXXX accounts. Account numbers ending in XXXX and XXXX. They also tried to buy more XXXX but there was not sufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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 formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX around XXXX i go XXXX the atm of Chase bank located at XXXX XXXX XXXX XXXX NY XXXX to deposit cash. I deposited all XXXX dollars bill to the atm machine of XXXX {$3700.00} $ went in the machine and gave me back {$100.00}, then i deposited the XXXX $ again and success. After making the deposit i left without getting a receipt and on the atm stating deposit completed. On the next day i check on my checking account and going to pay my loan, found out theres nothing in my account showing up i have been deposited, so i called the Chase customer service to file a claim. It was easy and quick they credited me back of {$3800.00}. On XX/XX/XXXX i login to my checking account and realized they took back the money from the claim, i immediately reach out the company again! They stated they have done investigation and results in they didnt find my cash in the machine. I m helpless with the decision, i remembered clearly of how much cash i deposited with XXXX of XXXX dollars bills, they did not provide me any video or evidence, i swear i deposited the exact amount! This branch took away my cash for many times but i experienced successful claim, this time is very ridiculous. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this complaint regarding Santander XXXX XXXX and my closed auto account, and I am requesting assistance in obtaining all repossession-related notices, loan/contract records, and auction records that Santander has refused to provide.

Specifically, I am requesting copies of : 1. Pre-repossession notice 2. Post-repossession notice 3. Notice of sale 4. Deficiency balance calculation 5. Original loan/contract documents 6. Auction records related to the repossession I never received these notices or records, and my Santander portal account is currently deactivated. I called today XX/XX/XXXX in a total of 10 times, some performed false transfers and then hung up, others told me to contact the auction, giving me the all around, and others were not able to reactivate my portal, so I could retrieve my documents. This request is for account records only.

- My last payment on this account was made on XX/XX/XXXX, prior to voluntary repossession.

- Last week, I submitted disputes to two credit bureaus, XXXX  and XXXX, with evidence including : - The account first appeared on my credit report on XX/XX/XXXX, according to XXXX XXXX XXXX Email confirmation from Santander XXXX showing my last payment on XX/XX/XXXX - Evidence from XXXX  showing the account was properly closed Despite this, XXXX  refused to update or close the account, claiming it was newly reported on XX/XX/XXXX ( XXXX  ), and stated it will remain on my credit report until XXXX. 

The account has been open and reported since XXXX, and I am actively working to have it removed from all credit bureaus, but I can not do so without the repossession and auction records, which Santander is refusing to provide.

Today, I sent an email to Santander requesting these records, and they said they can not provide them. I also called 10 times today, and received conflicting information I was told to either email or call the auction company, XXXX XXXX. When I contacted XXXX XXXX, they stated that Santander must request the documents, but Santander is refusing.

The incorrect reporting is significantly impacting my credit, and I urgently need these records to provide proof for disputes with credit reporting agencies and to ensure accurate reporting of my account.

I am requesting the CFPBs assistance in compelling Santander to provide these records immediately, including all repossession, loan/contract, and auction documentation.

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing a complaint regarding Citibanks handling of a deferred-interest promotion on my Best Buy Citi credit card. This complaint focuses on unfair and deceptive aspects of how the deferred-interest expiration was presented and how dispute records were handled. 

On XX/XX/XXXX, I financed a {$3600.00} major appliance purchase ( XXXX wall oven ) on a XXXX deferred-interest promotion that expired XX/XX/XXXX. Citibank later assessed retroactive deferred interest of approximately {$2900.00} in a single billing cycle ( around XX/XX/XXXX ), causing a sudden and significant balance increase and ongoing compounding interest.

Citibanks position is that the expiration was disclosed on statements and that promotional details were available in the online portal. However, the expiration warning was not clear and conspicuous in practice. It appeared as a single sentence embedded within dense statement content and was not presented as a prominent, time-sensitive alert. In the online experience, the promotional details were not surfaced in a way reasonably expected to prevent consumer harm and required multiple navigation steps to locate.

After I noticed the deferred interest, I paid the promotional balance promptly in good faith and contacted Citibank via secure message more than once in XXXX to request reconsideration and clarification. Those message-center communications are no longer visible to me ( Citibank indicates customers can only view the last six months ), creating an information asymmetry : Citibank claims it keeps internal records, but I can not access the communications I sent/received to document my dispute and Citi did not provide those internal records to me.

This resulted in substantial financial injury that I could not reasonably avoid because the key trigger for large retroactive interest was not presented in a clear and conspicuous, accessible way, and dispute records were not available to me afterward. I am requesting that Citibank provide a meaningful review under consumer-protection standards ( not just contract citation ), including the visibility/accessibility of the expiration notice and the loss of consumer-visible dispute records.

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 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Relay Financial (US), Corp.
State: NY

Complaint narrative:
Opened an account with RelayFi using promotion to receive {$300.00} after depositing $ XXXX and retaining funds in a account for XXXX days. Opened and fully funded on XX/XX/year>. {$300.00} was never deposited. Inquired with bank and they were just making up reasons why I was not eligible for the promotion, none of which made any sense. 

Chat representative showed XXXX interest in legitimately researching the issue and seems to have been trained to just frustrate customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XX/XX/year>, from XXXX pm to 5:34 XXXX, multiple fraudulent transactions were made from my checking account, resulting in a loss of {$2500.00}. While on vacation, my debit card was stolen. I promptly called and reported the theft, filed a police report, and initiated a dispute. However, a customer service representative informed me that my dispute would not be honored because my police report was fake, which is preposterous. They stated that since it was a PDF, they couldnt accept it and advised me to obtain a physical copy, which I did. Months later, their investigation led them to reject that copy as well. They refuse to provide any information or evidence from that investigation. The company in question is XXXX, a financial technology company whose partners are XXXX XXXX XXXX and XXXX XXXX XXXX. Despite having these banks as partners, they lack the security measures to prevent and identify fraudulent transactions. I was never alerted to these fraudulent transactions. It has been XXXX months since they have been stonewalling me through a foreign customer service call center.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T paid out on XXXX XXXX transactions one of which M & T itself identified as fraudulent. M & T advised it would not be paying out on at least one transaction amounting to {$1000.00}. 
The total charged was {$3400.00}

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 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
I am currently serving on XXXX XXXX in Louisiana and would like to have SCRA benefits applied to my account. XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Numerous calls throughout the day have asked to not be contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UMB FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've spent approximately 60 hours over the last 9 months trying to close my account and roll-over my HSA. I am unable to access my account, the provider is sending documents to the wrong address, and I am often hung-up on when speaking with the HSA representatives . I am technically competent and this is not a user created issue.

Company response to consumer: Closed with explanation