vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
Regarding Cash App account : Email- XXXX Cash App Tag- XXXX XXXXXXXX On XX/XX/year> I recieved an email from Cash App support from a manager that called herself XXXX XXXX XXXX stating that she was following up with me regarding a previous complaint I filed with the CFPA regarding the same subject that my current complaint is about. They once again requested that I upload my California ID XXXX and back, and a selfie of myself holding my California ID. I used the link she provided me with reference number XXXX attached, and uploaded my unexpired valid California State ID card front and back, a selfie of me holding the same California State ID card, and my signed social security card. All photos were clear, all four corners of the documents were visible, and any writing was clearly visible. XXXX minutes later I contacted Cash App support in app to let them know that I was finished uploading my documents, and gave them the reference number they attached to the link they asked me to upload everything on. The support agent acknowledged that they recieved my documents, and that my account was now unsuspended and I was now able to use all features. So, I checked my account to double check and noticed that it still said I needed to verify my identity. I asked the agent why does it still say I need to verify my identity whenever I just uploaded all of my valid documents at your managers request? Please use those documents to verify my identity on my account. She ignored what I just said, and started sending me links to follow to scan my ID to verify my identity. I told her, no, I have already provided them with my valid identity documents twice now, once on XX/XX/year> with reference number XXXX attached, and once on XX/XX/year> with reference number XXXX attached, why do I also need to scan my ID in the app again? I have tried scanning my ID in the app over XXXX times, and each time it was rejected and I have no clue why. She once again, ignored my question, and asked if there was anything else I needed help with. I said yes, I needed her to do her job correctly, and again gave her the reference number to the identity documents I uploaded at their request. Out of retaliation of me telling her to do her job correctly, she kicked me out of my account, and a short time later I recieved an email stating my account was suspended. I want to know why, a half an hour after I uploaded my VALID identity documents AT CASH APPS REQUEST, WHY did they suddenly suspend my account after telling me my account access was fully restored?? I am tired of this company playing games with me, requesting my identity documents, but doing nothing to restore my access to all features of my account and verifying my identity. I feel like I am being discriminated against, and had my account suspended this afternoon out of retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX account ending in XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX Case Number : XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX filed a debt collection lawsuit against me in XXXX XXXX, Florida on XX/XX/2026, seeking {$1600.00} for an alleged XXXX XXXXXXXX XXXX account. I dispute this alleged debt in full and refuse to pay a debt I do not owe. The lawsuit appears to rely mainly on bills of sale, assignment documents, account statements, and references to an electronic sale file. I have not been provided complete account-level proof showing that my specific alleged account was legally transferred to XXXX, XXXX XXXX has standing to sue, or that the amount claimed is accurate. I timely filed a response denying liability and demanding strict proof of the alleged agreement, ownership, assignment chain, amount claimed, default, and all conditions precedent. I request that XXXX and XXXX immediately produce competent proof of ownership, standing, the complete chain of title, the full accounting, and admissible business records. If they can not provide that proof, they should dismiss the lawsuit, stop collection activity, and delete or correct any related credit reporting. This is not an admission of liability. I deny owing this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am submitting this complaint regarding the repossession of my vehicle and the way the account has been handled and reported. I believe there are multiple irregularities related to the repossession process, the lack of proper notifications, and the possible inaccurate reporting of the debt on my credit reports. The vehicle was repossessed by the creditor or repossession company without providing me with clear and complete information regarding my rights, the exact account balance, the sale process of the vehicle, or how any alleged remaining balance ( deficiency balance ) was calculated. In addition, the account continues to appear on my credit reports with information that I believe is inaccurate, incomplete, or unverifiable. I have requested validation and documentation related to : The original contract. The payment history. The calculation of the remaining balance. Evidence of the vehicle sale. Proof that the repossession process complied with applicable state and federal laws. So far, I have not received proper validation or sufficient documentation confirming that the debt and reporting are accurate. I respectfully request that : This matter be fully investigated. The accuracy of all information reported to the credit bureaus be verified. Any inaccurate or unverifiable information be corrected or removed. I be provided with all documentation related to the repossession and alleged remaining balance. Any violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and applicable state repossession laws be reviewed. I believe the negative reporting and the actions taken by the creditor have significantly impacted my credit and financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C collection bought an XXXX account that has been paid to another collection agency. I had XXXX until XX/XX/year>, 1 internet account. I paid this account with XXXX through XXXX XXXX, the next day XXXX call me for the same account, this time almost double. I had one bill, that I paid. I believe one of them has equipment charges, but they received the equipment also.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I filed a complaint with you previously, because I lost access ( username and password ) to my Truist Bank mortgage account. To complicate matters, I also retired in XXXX, no longer maintaining a XXXX phone. Truist finally called me on my XXXX number XXXX XXXX XXXX XXXX XXXX, immediately insisting I verify my identity by providing information from the Truist app and/or website! It is as if they did not even read my complaint, that I could not access the app or website! Also, remember, They called Me! They then spent an hour going in circles, first insisting on verifying me, even though THEY CALLED ME! Worse, the verification required me to PROVIDE INFORMATION FROM THE WEBSITE! XXXX, this complaint began because I could not get access to the website! They then said I must register for internet banking, which also first requires me to access the website first. It goes around and around endlessly. Their rules require I provide information from the we site or app, to verify or register, so that they can help me regain access to the same we site and app, which was and is my problem to begin with. I need Truist Bank to call or email me, verifying me with information NOT FROM THE APP OR WEBSITE TO WHICH I AM REQUESTING ACCESS! I AM THE ONLY HUMAN ON EARTH WHO EVER ANSWERS THE PHONE NUMBER PROVIDED!!!! I AUTHORIZE TRUIST TO CONSIDER ANSWERING THIS NUMBER AND VERIFYING MY FULL NAME AND SSN AS ADEQUATE VERIFICATION OF MY IDENTITY! These people have created internal rules which have locked me out of my own account. It is disgusting how they are treating a 100 % XXXX American Veteran! I will also be submitting this complaint to the XXXX, who allows this disgusting institution to participate in the XXXX guaranteed mortgage program. Maybe Truist should not be allowed ti hold XXXX mortgages ; as, they treat veterans like XXXX and refuse us access to our own accounts, going in endless circles created by their own ignorance and refusal to display even an iota of sympathy, empathy, or compassion. They should be barred from holding XXXX loans!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Formal Dispute of Capital One 360 Checking Closure and XXXX XXXX XXXX Capital Ones response is insufficient and fails to resolve my dispute regarding account ending in XXXX ( Capital One 360 Checking, full account reference XXXX ). Capital One states they are unable to locate and validate the account relationship based on the information provided. This raises serious concerns regarding the accuracy, integrity, and lawful basis of any reporting associated with this account to XXXX XXXX XXXX or any consumer reporting system. If Capital One can not identify and verify this account with certainty, then it can not lawfully maintain, furnish, or permit negative reporting associated with this account. I formally demand : XXXX. Full documentary validation of the account, including original account opening records, authenticated acceptance records, closure basis, and any alleged account agreement violation documentation ; XXXX. Proof of authority and factual basis for furnishing negative information to XXXX XXXX XXXX ; XXXX. The exact reason for closure, including all internal documentation supporting the closure decision ; XXXX. XXXX deletion of any negative XXXX XXXX reporting if Capital One can not produce competent documentary evidence validating the reporting. Failure to provide complete documentary validation requires immediate deletion under the Fair Credit Reporting Act and applicable consumer reporting accuracy requirements. Additionally, I request written confirmation restoring my consumer relationship eligibility with Capital One if no lawful basis exists for continued adverse reporting. This response does not resolve my complaint and I reject it as incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, a transaction was initiated at a XXXX XXXX XXXX XXXX to execute a XXXX XXXX money transfer of {$1000.00} to family members in XXXX XXXX XXXX for food and basic living necessities. The terminal printed a Pre-Transaction Disclosure stating " This is Not a Receipt. '' The clerk explicitly stated the first attempt was denied and instructed me to try a second time. I did so, and the terminal declined the transaction a second time. The store manager was called to the terminal and explicitly stated that both transactions had failed and that any pending holds on the funds would disappear within 24 hours.Instead, on XX/XX/year>, XXXX posted two separate charges of {$1000.00} against my Bank of America debit card, extracting a total of {$2000.00}. On XX/XX/year>, XXXX store employees contacted XXXX XXXX corporate directly, and XXXX XXXX formally confirmed to both XXXX and myself that they never received or processed this money. XXXX is wrongfully holding {$2000.00} in its corporate accounts without authorization.A formal dispute was filed with Bank of America on XX/XX/year>. Because Bank of America has frozen these funds, the checking account balance is severely negative. Front-line agents have repeatedly refused to issue an emergency provisional credit despite extreme financial hardship. The consumer 's wife and children are currently located in a high-conflict zone in XXXX XXXX XXXX and face immediate starvation because Bank of America is blocking access to these funds.Furthermore, this sudden financial crisis and the panic of my family facing starvation caused a severe physical health breakdown, resulting in an XXXX XXXX hospital admission for two full days. While hospitalized, I was subjected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Doctors were forced to perform an XXXX XXXX to address XXXX XXXX XXXX XXXX XXXX. I was placed on specialized medical treatment and prescribed medication to manage the damage. The attending physician explicitly noted and concluded in the official medical record that this severe physical breakdown was entirely stress-related, directly triggered by the acute trauma of being completely cut off from the funds needed to feed my XXXX XXXX XXXX. Bank of America is in direct violation of Federal Regulation E by refusing to issue an emergency provisional credit while they conclude this investigation. Immediate provisional credit of {$2000.00} is demanded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NE

Complaint narrative:
On XX/XX/year>, I purchased a {$150.00} Vanilla Gift Card with cash at a XXXX store. Although it was a successful transaction and I received a valid purchase receipt, the card failed to activate. Every attempt to check the balance or use the card has resulted in a " System Error '' message. I had been attempting to resolve this through the companys official website 6 times and calling their customer service line 3 times over the past 4 days. Totaling 9 failed attempts, I have encountered nothing but automated errors and a complete lack of human support. As an international student, this {$150.00} represents a significant portion of my essential living funds. XXXX Payments has effectively seized my cash without providing the promised service or any functional means of redress. This lack of accountability is a predatory business practice that harms many consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: Experian Information Solutions Inc.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX governing the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This conduct constitutes a clear violation of federal law, and I have formally disputed the items at issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I disputed fraudulent charges on my account with td bank they closed my card and issued a temporary credit while they investigated the charges The charges were spread out within a 4 month period. From XXXX through XXXX. Now td bank has reversed the credit and my account is now in the negative. Those charges were definitely fraud and I did not make those purchases. I need the money refunded and credit for the overdraft fees. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: Experian Information Solutions Inc.
State: OH

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 2026-05-13 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: OH

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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
Approximately four years ago, I opened a XXXX account and switched my family 's cell phone service. After returning home, we discovered there was no cellular coverage at our residence. We returned all phones and equipment to the XXXX store on the same day. A XXXX employee incorrectly processed the return and listed an XXXX on the account that we never received and never possessed. We disputed this issue with XXXXXXXX multiple times, but the account was later sold to Jefferson Capital Systems XXXX Because all equipment was returned immediately and the XXXX was never received, this debt is invalid. I request that Jefferson Capital Systems cease collection efforts and remove this account from all credit reporting agencies unless they can provide documentation proving that I received and retained the device.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection. PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: EQUIFAX, 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 response to consumer: Closed with explanation