vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Account was closed after 7 years due to unknown overdraft. I also found unauthorized transactions from XXXX XXXX and when calling to see and put in dispute on unauthorized transactions on XX/XX/year>XXXX XXXX XXXX in the amount {$470.00} on XX/XX/scrub>XXXX XXXX XXXX {$310.00} and XX/XX/year> in the amount of {$350.00} claim number XXXX This claim was closed because they claim they dont see the transactions.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXXThis is been a huge problem and Inconvenience to myself. I just opened up bank of america credit card recentlyXXXX The card number XXXX XXXX XXXX XXXXNow I will explain what happened to me the consumer. When I went online to setup my account. There was another ACCOUNT ON the online banking. This account showed it was CLOSED IN XXXX. And there was a balance, This account ending in XXXX. I have No knowledge or any responsibility to this PAST ACCOUNT..SO I contacted BOA about this being taken off my NAME AND ACCOUNTS, Firstly this has passed the statue of limitations and shouldn't have been attached to my NameXXXX Secondly I was a victim of identity theft back in XXXX so I have no knowledge or responsibility to the account ending in XXXX After trying to dispute the changes to the account I just opened . BOA goes and CLOSES MY NEW ACCOUNT THAT WAS JUST OPENED CARD XXXX XXXXThen try and get me to PAY FOR THE CLOSED ACCOUNT SINCE XXXX that I have Not OPENED.. I ASKED BOA FOR MORE information on this old account. XXXX didn't receive anything. XXXXThere's no reason for BOA to close My New Account Ending in XXXXThere's something wrongly being done to my name and credit report. BOA can't start asking for payment on the account that was closed over XXXX years agoXXXXCan someone please CONTACT ME FROM BOA to help resolve This ISSUE.XXXXI KEEP TRYING TO GET IN TOUCH WITH SOMEONE FROM BOAXXXX FEEL LIKE I MAY NEED TO SEEK ATTORNEY COUNCIL IN THIS MatterXXXXI have excellent CREDIT SCORES FOR SEVERAL YEARS, Perfect payment history, But I refuse to PAY FOR ANYTHING THAT'S Not my responsibilityXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
i was told that my account would be closed in 60 days and any money would be sent to me. And today is day 61 and i got nothing yet. i also asked if my check could be come by XXXX since i had to wait over 60 days? I reached out to this lady would works closely with the President and CEO XXXX XXXX XXXX of USAA. I was also told that they would have to reach someone in a different department and that would take 24 to 48 hrs which now would be 3 days pass the 60 day policy that they set up. All i want is my money refunded in a check and XXXX to my home. But i have just been getting run arounds.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account that is currently being reported on my credit report. The account in question shows a balance that has already been paid in full and the account is closed. Because the account has been satisfied and no balance is owed, I am requesting that this account be removed from my credit report immediately. The continued reporting of this account is inaccurate and negatively affecting my credit profile. Please investigate this matter and update my credit report accordingly. If you are unable to verify the accuracy of this account, it must be deleted under the Fair Credit Reporting Act ( FCRA ). I have attached any supporting documentation showing that the account has been paid in full. Please send me written confirmation once the investigation has been completed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Validation of Debt Request - TRANSWORLD SYSTEMS I/CITIZENS ENERGY - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MA

Complaint narrative:
I had sent XXXX to another recipient Via cashapp. The account that I had sent the money to the recipient was there old account they can not access. I had called customer support which had told me they cant do anything due to the transfer has been sent to the recipient, and that they would have to call and have the transfer sent to there new account. The recipient had called me back after talking to customer support and they had told the recipient that I had to call them. So I had called back and was told the same thing. Also the recipient was told once again that I had to call. This has been an ongoing back and forth for four days now. I spoke to a manager that also said that the recipient should be able to access old account through there account access process. Which they are continuing to fail to do. The unprofessionalism is unreal coming from a big company that most likely dealt with this situation numerous of times. Now Im down XXXX cause the recipient does not want to continue to deal with a company that refuses to help. The recipient could not get a hold of a manager cause they refused too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NE

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Vehicle was purchased with {$12000.00} down in cash. Vehicle was repossessed and the balance reflected owed is not taking into consideration the {$12000.00} down payment. When vehicle was repossessed nothing would be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
On my email that was sent to me says my amount due is {$50.00} When I go on my credit XXXX XXXX account it says I owe {$2300.00} and on top of that XXXX Which makes no sense when I call my school and they said I paid off everything on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My ex spouse opened XXXX XXXX discards on my name .I notified the banks once I recieved the letter I owe the amount and filed the fraud claim.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
When XXXX partnered with Chase without customer approval and put it's XXXX members into a Chase account we did not want or need, it created many additional emails, upselling messages, promo and email clutter. I managed to get through to Chase when I had the physical card with the account number. After telling them to eradicate the account, I cut up the card and disposed of it. It's unclear but it seems there's a small {$18.00} balance but their email says I don't owe a payment? So, now their automated system will not allow me to access the account by not making the verification CALL. Their system mistakenly automatically used my land line on record with XXXX as a mobile number, so messaging verification is impossible. I spent 2 hours this morning dealing with their dysfunctional automated HELP system that prevents any and all paths to speaking with a human representative. Their chat system proposed a solution to bypassing the phone system prompts that did not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: PA

Complaint narrative:
Every day there is a issue with Netspend. Yall are constantly holding customers funds when we are trying to access them! There is no way for 2 hours straight i should be having this problem! I have been on the phone with yall for 1 whole hour and still no answer! Tons of people are unable to access there funds due to yall unprofessionalism and lack of awareness! This happens literally EVERY day.

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 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding the account OPPLOANS/XXXX ( Account # XXXX ), opened XX/XX/XXXX. This account is being reported as charged off with {$1800.00} written off and still showing a balance of {$1800.00} past due as of XX/XX/XXXX. If this debt was truly written off and charged off in XXXX ( status updated XX/XX/XXXX ), I should have received a Form 1099-C ( Cancellation of Debt ) for the {$1800.00} allegedly written off. I have never received a 1099-C, nor has any cancellation of debt income been reported to me. Additionally, the account continues to report a past due balance years after being charged off, which appears inconsistent and misleading. If the debt was written off, the balance should not continue to be reported as currently past due. If the debt was not canceled, then it should not be described as written off. I am requesting the following : Written verification of the current legal status of this debt. Confirmation whether a 1099-C was issued and, if so, proof of filing. Correction of inaccurate reporting, including removal of any misleading written off language if no cancellation occurred. Immediate correction or deletion of this account if it can not be properly validated and accurately reported. This inaccurate and potentially misleading reporting is causing harm to my credit profile and my ability to obtain housing. I expect a full investigation and written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I logged into my PayPal and I saw a charge for {$19.00} and change from XXXX so I contacted XXXX and said I never asked for any auto renew this is incorrect and the charge should be returned I filed the claim with PayPal this morning and they sent me an email saying that they don't see any problems with the payment so being upset I called PayPal and I says I want my account closed immediately they're refusing to close my PayPal account saying I have a case open I said how can the case be open if you sent me an email saying you didn't see anything wrong with what I complained about close my account I was on the phone over a half hour and nobody wants to close my account and that's why I want to make a formal complaint on PayPal not allowing me to close my account when I have the right to close my account it will not let me close my account online and they won't close it because they're telling me that the complaint I made is open yet I got an email saying that there is no problem with that payment so I told the supervisor that I will deal with it with XXXX but I am so unsatisfied with PayPal I want to close my account and they are refusing to close my account this is completely insane

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief