vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 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: NY

Complaint narrative:
Credit Collection Services a third party collection agency for XXXX XXXX XXXX XXXX has violated numerous fair credit reporting acts, FTC and CFPB regulations as mandated. According to FRCA and 15 USC 1681s.2- ( a ) duty of furnishers of information to provide accurate information. 15 USC 1681s.2-7 ( a ) Negative Information : notice to consumer require. Neither XXXX XXXX XXXX. XXXX nor its third party debt collection service provided me a clear and conspicuous written notice of the details of the itemization and calculations to the debt requested before reporting negative information to the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I notify the company Cash App that {$1500.00} had hit my account and it was reversed because they had closed my account, I called them, they could not give me no reason it was some kind of illegal activity which I did not know anything about they would not notify me. Aw let me know what it was all about, told me keep looking for my email or never call me. I keeps calling them. Today is also XXXX to XXXX or XXXX still have not gotten a reason from them all or email or a phone call and I called again as a why no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
Ability Credit Services is reporting a collection account related to XXXX XXXX that does not belong to me. I never enrolled in, attended, or received educational services from XXXX XXXX. 

A CFPB complaint filed against XXXX XXXX was closed as sent to FTC regulator without any proof of enrollment, authorization, or services rendered being provided. The closure reflects jurisdictional routing, not validation of the alleged debt. 

Because the original creditor failed to substantiate the alleged obligation, Ability Credit Services has no lawful basis to report or collect this account. A third-party collector can not furnish or pursue a debt that the original creditor could not verify. 

I am disputing this account as not owed and unverified.

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 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I previously submitted a complaint regarding this matter and was provided with a designated point of contact along with a direct phone number via email. 

Since receiving that information, I have made multiple good-faith attempts to follow up over the course of approximately XXXX month. Specifically : I sent XXXX follow-up emails I placed XXXX phone calls during official business hours, on different days All phone calls were directed to voicemail. I left messages accordingly, but I have not received any return calls, emails, or updates in response to these attempts. 

Despite making repeated efforts through the contact information provided, I have received no communication whatsoever. At this point, I am concerned not only about the unresolved issue itself, but also about the lack of responsiveness and failure to engage in basic follow-up. 

I am submitting this additional complaint because my previous attempts to resolve the issue directly with the company have been unsuccessful due to their continued lack of response. I am requesting assistance in obtaining a substantive response and a clear explanation of next steps.

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 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Flexible Finance, Inc.
State: GA

Complaint narrative:
In XX/XX/year>, I made a {$500.00} payment to Flex Rent based on written instructions from their representative ( XXXX, XX/XX/year> ). The email stated that once the payment was made, I would be eligible to discuss account reactivation and continue using their services. 

I made this payment in reliance on that guidance, but Flex did not reactivate my account. I later contacted Flex requesting a refund, providing the XX/XX/XXXX email and proof of payment. Flex acknowledged the situation but refused to issue a refund, citing an unrelated dispute hold from an earlier XX/XX/year> payment of {$890.00}. 

The {$500.00} payment was made under misrepresentation by Flex, as the condition they described ( eligibility for reactivation ) was never honored. I am requesting a refund for the {$500.00} and review of the related {$890.00} XXXX payment as part of the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This complaint is related to my prior CFPB complaint against Truist Bank ( Complaint ID : XXXX ), which remains unresolved. I am filing this new complaint because Truist has taken additional harmful action while that dispute is still under active review. 

In my original complaint, I reported that Truist improperly processed debit transactions and created a negative checking account balance of approximately - {$570.00} despite my transferring funds from savings to checking at the time of each purchase. I documented that overdraft services are not enabled on the account and that the negative balance resulted from transaction posting errors. 

While this disputed balance is still under investigation and has not been resolved, Truist has now removed funds directly from my savings account to cover the disputed negative checking balance. This was done before providing a resolution, explanation, or correction of the underlying transaction processing error. 

I did not authorize overdraft services or automatic overdraft transfers for this account. The negative balance itself is disputed. Removing funds from my savings under these circumstances has increased the financial harm and effectively forced payment on a balance that is still under formal complaint review.

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 2026-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
I believe that target credit card is holding onto payments so they can add late fees. All other credit cards when I say pay this date, it is paid on the date but target you have to pay way ahead. It will show that it cleared the bank. But will show that it cleared the Target late so they can charge a fee. they said the best way to resolve this as if I paid through them directly, but if it is set up on our mobile app it might get delayed. If I pay amount right away it pays quickly if I am out and pay a little bit later and a higher amount that month, it clears late and is converted to a check ( see documentation ) even though it shows coming out of my bank account on one date, it shows delays on their end when cleared as a check. All the debits you see in the screen shot came out of my checking on the day I requested except the one on XX/XX/year>. For some reason that shows clearing as a check and took 7 more days, resulting in a late fee. I see multiple complaints about this online and I believe they are fraudulently charging late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2026-02-10 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Summary of Unauthorized Charges XXXX XXXX Production Merchant : XXXX XXXX Production Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Website : XXXX Authorized Transaction ( Only One ) On XX/XX/XXXX, we authorized a one-time charge of {$600.00} to XXXX XXXX XXXX for a High School XXXX Basketball banner advertisement. 

This transaction is supported by : A completed advertising order form dated XX/XX/XXXX An XXXX  transaction receipt dated XX/XX/XXXX at XXXX XXXX Invoice/Account number XXXX The order form reflects : Total sale : {$600.00} Deposit : {$600.00} Balance due : {$0.00} No subscription, renewal, or recurring billing authorization This was clearly a single, fully paid transaction, not a recurring service. 
This XX/XX/XXXX charge is the first and only authorized charge. 

After payment : XXXX XXXX  XXXX never provided proof that the banner was produced or displayed No photos, confirmation, delivery notice, or placement verification were ever sent Requests for documentation and receipts for later charges were ignored or not fulfilled Despite payment, the agreed service was never substantiated. 
Unauthorized Charges ( Not Approved ) After the XX/XX/XXXX transaction, four additional charges of {$600.00} each were processed without authorization, consent, or notice : Date Amount Status XX/XX/XXXX {$600.00} Unauthorized XX/XX/XXXX {$600.00} Unauthorized XX/XX/XXXX {$600.00} Unauthorized XX/XX/XXXX {$600.00} Unauthorized These charges total {$2400.00} There is no contract, no renewal agreement, and no recurring billing authorization No invoices, receipts, or explanations were provided for these charges The merchant never obtained approval to store or reuse card details We reviewed account activity and identified repeated unauthorized charges We confirmed that no authorization existed beyond XX/XX/XXXX We requested receipts and proof of service, which were not provided We gathered and preserved all documentation supporting the one-time purchase We are now disputing all post-XXXX XXXX, XXXX charges as unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, we paid {$2100.00} for a sideboard with white-glove delivery. The item was improperly assembled twice, resulting in misaligned doors, a top panel not seated correctly, damaged hinge mounts, scratches, and missing/incorrect parts. We promptly notified the merchant, provided photos and videos, and requested repair or return. 

The merchant acknowledged defects and proposed repairs but failed to provide a firm plan or complete repairs. After months of delay, we filed a credit card dispute. The merchant then conditioned any resolution on closing the dispute and threatened return action. Citi later reversed the provisional credit despite documentation of defects and unresolved merchant performance.

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 2026-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: We Collect Inc
State: SC

Complaint narrative:
XXXX XXXX took out money from my bank account on XX/XX/XXXX. My membership is inactive and they still took an ACH transaction. I've reached out multiple times for a refund, as in I did not request this transaction to be approved. XXXX XXXX claims that my payment is still processing and they can't refund me at this time. However, the payment was processed through my account. Beware of fraud.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding Comenity Capital Banks handling of my billing dispute for an XXXX purchase ( order XXXX ). 

The order was placed on XX/XX/XXXXXXXX  and shipped in two packages. One package was delivered on XX/XX/XXXX ( XXXX   XXXX ). The fragrance package ( XXXX   XXXX ) entered repeated XXXX  delivery exception status beginning XX/XX/XXXX and remained delayed for an extended period. 

On XX/XX/XXXX, I provided XXXX written notice that I did not consent to acceptance of the original shipment after the extended exception period and requested either an immediate replacement shipment ( expedited ) or a refund. XXXX acknowledged the delivery exception and stated a reshipment was initiated, but later treated late delivery of the original shipment as resolution. The original fragrance package was ultimately delivered on XX/XX/XXXXXXXX  in questionable/tampered condition. 

I filed a billing dispute with Comenity. Comenity requested additional documentation on XX/XX/XXXX. I submitted the requested documentation and attachments through Comenitys dispute portal on XX/XX/XXXX. Comenity confirmed in writing on XX/XX/XXXX that the documents were received and forwarded to the appropriate department. Despite this, Comenity issued a dispute closure letter dated XX/XX/XXXX stating the dispute was closed due to insufficient information. 

This closure contradicts Comenitys written acknowledgment of receipt and escalation. I requested that Comenity reopen the dispute and provide a written explanation identifying what information is allegedly missing.

Additionally, when I attempted to re-upload the same documents through Comenitys dispute portal, the system repeatedly displayed an error stating that attachments can not be added due to a system problem. I verified all file sizes were within portal limits and documented the upload attempts with screenshots.

I am requesting that Comenity : Reopen and re-review the dispute in compliance with the Fair Credit Billing Act, Confirm in writing what documentation was reviewed, Identify in writing what information is allegedly missing, Provide a working method to submit attachments if the portal is unable to accept uploads, and Correct the billing error by issuing a credit for the disputed amount and any associated interest or fees after a documented, FCBA-compliant review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: HI

Complaint narrative:
Regarding unauthorized and deceptive subscription charges in the amount of {$290.00} associated with a purported Coinbase XXXX XXXX subscription. 

XXXX XXXX did not knowingly or affirmatively consent to enrollment in a {$290.00} premium subscription plan. The enrollment flow, as described and documented, appears to have been structured in a manner that is materially misleading and designed to induce inadvertent acceptance through deceptive user interface placement and insufficient disclosure.

If accurate, this conduct may constitute violations of, including but not limited to : Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) prohibiting unfair or deceptive acts or practices The Restore Online Shoppers Confidence Act ( ROSCA ), 15 U.S.C. 84018405, requiring clear and conspicuous disclosure of material terms and express informed consent for recurring charges Applicable state Unfair and Deceptive Acts and Practices ( UDAP ) statutes California Business & Professions Code 17200 et seq. ( if applicable ) State automatic renewal laws requiring clear affirmative consent prior to charging for subscription services XXXX XXXX disputes the validity of these charges in full and demands : 1. Immediate cancellation of any premium subscription 2. A full refund of all {$290.00} charges processed 3. Written confirmation within 10 business days Failure to resolve this matter promptly will leave our client no choice but to pursue all available remedies, including : Filing formal complaints with the FTC, and applicable State Attorney General Initiating civil litigation for deceptive trade practices Seeking class action investigation based on similar publicly reported experiences Exercising the protected right to publish truthful accounts of this experience in media outlets and public forums Please be advised that XXXX XXXX is preserving all documentation, screenshots, and transaction records in anticipation of potential regulatory or judicial review. 

We expect your prompt response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I am filing this complaint to address an inflexible and anti-consumer payment policy at PennyMac. On XX/XX/year>, I attempted to schedule a mortgage payment for the XXXX of the month to coincide with my scheduled payday. Due to a technical error/misclick, the payment was authorized for " same-day '' processing. 

I realized the error immediately and took the following steps to rectify it : Self-Service : I attempted to cancel or edit the pending transaction via the PennyMac mobile app and website, but the system provided no option to modify a same-day request.

Customer Support : I immediately called PennyMac support. I was informed by the representative that the company is " unable '' to make adjustments or cancellations to payments on the same day they are initiated. 

The Grievance : In the modern banking era, the refusal to provide a reasonable " grace window '' for correcting accidental entries is unacceptable. This policy creates significant financial risk for the consumer, including potential overdraft fees and the inability to manage cash flow. A financial institution should have the infrastructure to allow a consumer to void a transaction if the error is caught and reported within the same business hour/day. PennyMacs current system places an undue burden on the consumer for simple human error.

Company response to consumer: Closed with explanation