vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, I call M & T Bank to close my account. I spend 41 minutes on the phone, because I am told I need to withdraw all funds before I can close my account. I am unable to setup external transfers on the app, so eventually the representative tells me that I need to go into a branch a branch to setup external transfers so I can zero-balance my account for closure. On XX/XX/year>, I go into a branch to setup external transfers. This takes 30+ minutes. Eventually we are able to allow external transfers on my account ( or so we thought ). In the following days, I continue to receive errors on my external transfers. On XX/XX/year>, I go back into the branch to withdraw the remaining funds in my account. I leave the branch with a balance showing in my account of {$0.00}, as directed by M & T Bank to close my account. On XX/XX/year>, I called M & T Bank to close my account. They tell me that they are unable to close my account due to pending interest. So, M & T will not close my account without the account being at {$0.00}. But M & T wont close my account until my interest posts. The day my interest posts ( today, XX/XX/year> ), Im charged a {$24.00} service charge for insufficient funds, even though M & T told me to withdraw all my money. My balance is currently negative due to M & T Banks incompetence.

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 2026-04-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a {$1000.00} prepaid gift card issued by InComm that I never received, but which was accessed and fully used by an unauthorized party. XXXX ( XXXX XXXX ) issued this payment to me as part of a promotion and used InComm as the gift card provider. I received an email indicating that the gift card would be mailed to me. However, I never received any physical card or any digital card details. After waiting approximately three weeks, I contacted XXXX. They informed me that the payment had already been issued and directed me to contact InComm. When I contacted InComm, I was told that the gift card may have been issued digitally and that the full {$1000.00} balance had already been used at multiple locations. I never received the card or any card information, so it would have been impossible for me to access or use the funds. I filed a dispute with InComm, but it was denied. InComm has not provided any proof that the card or card details were delivered to me, including the delivery method, email address used, or any access logs. They also did not provide any evidence that I accessed or used the card. This indicates that the card information was either sent to the wrong recipient or accessed by an unauthorized third party. As a result, I have lost {$1000.00}. I am requesting that InComm reimburse the {$1000.00} or provide documented proof that the card or card details were delivered to and accessed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One continues to display an old charged-off credit card account in my online account and mobile app, even though the account has been closed for more than XXXX years. As of XX/XX/year>, when I log in to my Capital One account to manage my active accounts, the old closed account still appears prominently at the top of my account list with a warning message stating that the account charged off. I have no practical way to hide, archive, remove, or dismiss this closed account from my dashboard. I am not asking Capital One to erase historical records that it is legally required to keep, and I am not disputing that the old account existed. My complaint is about Capital One continuing to display a decade-old charged-off account in the customer-facing online account dashboard indefinitely, with no consumer control to remove it from view. This serves no useful account-management purpose for me and creates an unnecessarily negative and confusing experience every time I log in, especially now that I have active Capital One accounts in good standing. Capital One should not force consumers to continue seeing obsolete closed/charged-off accounts forever in the same dashboard used to manage active accounts. At minimum, consumers should be able to hide or archive old closed accounts from the main account view.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
I have never done any business with WILLIAM RUSH, LLC in any way and do not legally owe any debt to this company/organization. I am filing this complaint regarding unauthorized bank withdrawals, misrepresentation of a debt, and improper collection activity. I authorized a one-time payment to XXXX XXXX XXXX by phone on XX/XX/XXXX. However, my bank notified me that the company initiated additional ( unauthorized ) withdrawals from my account on XX/XX/XXXX and XX/XX/XXXX for uncontracted and unauthorized amounts. I disputed these transactions with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and the bank issued me new cards after verifying the " one-time '' payment option was selected. During that communication, I was informed that my account would be considered satisfied and closed by " adjustment '' due to breach of agreement and EFT violation. Based on that representation, I did not pursue legal action at that time. Despite this, the account has now been assumed by a third-party debt collector ( XXXX XXXX ) , and collection activity has posted by XXXX and XXXX CRAs for approximately {$1100.00}. This contradicts the prior representation that the account was resolved. Additionally, the collector has failed to provide any prior notice, chain of assignment or adequate validation of the debt and is reporting inaccurate information to credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WI

Complaint narrative:
Hello, A {$100.00} overdraft protection coverage transferred from my credit card to checking account for payment to my insurance company. The checking account did not cover this balance with the transfer. Instead, the checking account kept the account negative and triggered another {$100.00} transfer from my credit card. Because of this my credit card balance is {$100.00} more than it should be. And theres {$100.00} that I did not receive that is unaccounted for. I called the bank today and their explanation did not suffice. There shouldve been a total amount of overdraft protection of XXXX. It transfers and {$50.00} increments this is reflecting in {$400.00} of transfers. This month of overdrive protect protection. Their numbers do not reflect real time transfers.

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 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: PA

Complaint narrative:
Complaint Description : I am filing this complaint regarding Klarna and a post-resolution billing error. On XX/XX/year>, Klarna responded to a previous CFPB complaint and confirmed that my account was fully resolved. In that response, Klarna stated that the remaining balance was cancelled, the order was marked complete, and I was no longer responsible for any amount owed. Klarna also issued a refund of {$71.00} to my payment method. On XX/XX/year>, Klarna reopened the case and subsequently reintroduced a charge of {$23.00} on the same order, which was processed and posted to my account. I contacted Klarna multiple times through their in-app chat support. Their representatives provided inconsistent and contradictory explanations. At various points, I was told that I do not owe anything, while also being told that I must repay a portion of the order. Klarna is now attempting to reconstruct a balance after confirming in writing that I owe {$0.00}. This directly contradicts their official response to the CFPB and demonstrates a failure to maintain accurate account status after resolution. This is not a new dispute. This is a billing error that occurred after Klarna had already resolved the account. I am requesting that Klarna : 1. Correct my account to reflect the confirmed {$0.00} balance 2. Refund the {$23.00} charge 3. Cease all further payment attempts 4. Confirm that no fees, negative reporting, or collections activity will occur

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I opened an account with XXXX XXXX and asked not to have overdraft protection. I told them they got me years ago, charged me {$70.00} for an XXXX XXXX monthly fee and a coffee and I closed my account with them for years. I was assured they dont do that anymore and if I didnt have the money in my account, it would decline. A few months later I was cashing in change and while I was there I asked again to confirm I had no overdraft protection as my account was low and I would rather a purchase be declined than charged a fee after. The teller confirmed with me again that I had no overdraft protection and would be declined if I didnt have the funds. The next week I was making a purchase and was standing too close to the reader and it captured my purchase from XXXX XXXX on this account instead of the one I intended, causing an overdraft, which is was assured I didnt have. I went to the bank to cover it and asked a third time to not have overdraft protection, to just have the payment declined. Again, I was assured that this time I was all set. I asked for something in writing since I somehow overdrafted after asking twice not to have that protection. She said they dont do that here. I went home and went to their website and asked again for something in print. I was told they will still overdraft my account for checks and subscriptions, but debit purchases will be declined from now on. That was never explained to me by the lady at the bank who refused to give me anything in print. This is deceptive because this was never explained to me and I had to overdraft before they would even cooperate even though I asked more than once not to have that option. I googled and understand not that they can legally still overdraft me for subscriptions but I explained thats why I closed my last account and I was assured they dont do that anymore, now I am being told they do. Its deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Under 15 U.S.C. 1681s-2 ( a ), companies that furnish information to credit bureaus are legally required to report information that is accurate and complete. Reporting information that can not be verified, or that contains inaccuracies, may constitute a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NH

Complaint narrative:
XXXX Present Began qualifying employment with eligible public service employers ( schools ), Began XXXX participation and compliance with program requirements, Maintained full-time qualifying employment continuously, .XXXX Present : Onset of Servicing Issues Multiple servicing inconsistencies begin impacting XXXX tracking, Inaccurate or delayed updates to qualifying payment count begin occurring, .Past 12 Months Two Employment Certification Forms submitted for current employer, Status : Not processed/ not reviewed by MOHELA, Direct impact : qualifying payment count remains inaccurate, XXXX XXXX Federal Government Shutdown Period MOHELA placed loans into forbearance without borrower consent, Result : interruption of repayment plan and XXXX qualifying progress, .Following Shutdown Period Repayment plan renewal denied after approximately 90-day review period, Borrower not properly notified of denial, Required to restart repayment plan application process, .Current Status Loans remain in forbearance pending repayment plan review, No XXXX qualifying payments accruing during this period, Continued delay in XXXX forgiveness eligibility determination, .Ongoing Issue Multiple unauthorized forbearances during XXXX enrollment period, Employment verification forms remain unprocessed , XXXX payment count remains inaccurate,

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Beginning XX/XX/year>, I disputed a XXXX XXXX XXXX account appearing on my credit report due to inaccurate and inconsistent reporting. The account reflects conflicting information, including discrepancies in delinquency status ( 30-day vs 60-day late ), inconsistent or incomplete payment history, and missing or conflicting account activity dates. The payment history also reflects multiple months of {$0.00} payments while only two late payments are being reported, which is inconsistent. I submitted disputes to the credit reporting agencies requesting full verification of this account, including the complete payment history and the Date of First Delinquency ( DOFD ). Despite these requests, the account continues to be reported as verified without sufficient documentation being provided to support the accuracy and completeness of the information. Additionally, the reporting of this account is inconsistent across credit bureaus, further raising concerns about the reliability of the data being reported. Based on the inconsistencies and lack of proper verification, I do not believe a reasonable investigation has been conducted as required under the Fair Credit Reporting Act. I am requesting that this account be removed from my credit report if it can not be fully verified as accurate, complete, and consistent.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed 2 withdrawals to XXXX int the amounts of {$300.00} and {$96.00} none that I made or authorized. I have never had XXXX. I called immediately to TD to report however I had to wait until XX/XX/XXXX because it remained in process until that day according to TD Bank. A few days ago I received a letter from TD BANK stating that these transactions to XXXX were authorized and my debit card was missing. They determined this based on o aggressive usage or depletion. and they were going to reverse the credit. I did not make these payments or authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
am filing this complaint because my prepaid card balance has been held for an unreasonable amount of time even after I completed the requested identity verification. I have a balance of {$33.00} on a MyPrepaid card, and the account was flagged for verification. I promptly submitted all documentation they requested to verify my identity. It has now been over 15 days, and my funds are still being held with no clear explanation or resolution. I have contacted customer support, but I continue to receive delays without a specific timeline for when my funds will be released. I have complied with every verification requirement, yet I still can not access my money. At this point, I am requesting one of the following actions immediately : Release the funds and restore access to the card Issue a replacement card with the remaining balance Mail a check for the remaining balance Consumers should not have their funds held indefinitely after completing identity verification. I am requesting a prompt resolution and a clear explanation for the delay. Thank you for your attention to this matter. I sent my license, the acct and bill they are trying to steal and give me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and unverified information associated with my identity, including records indicating a connection to XXXX XXXX and an account allegedly originating around 2022, which I do not recognize or authorize. I have never resided in or conducted business in XXXX XXXX, and I believe this information may be the result of identity theft or reporting errors. This is now the third company to contact me regarding the same issue, further demonstrating a pattern of inaccurate reporting and failure to properly verify my information. Pursuant to my rights under the federal Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the XXXX XXXX Fair Credit Reporting Act ( XXXX XXXX. XXXX. XXXX XXXX et seq. ), I demand a reasonable investigation, full verification of the source and validity of this information, and the immediate deletion of any data that can not be substantiated as accurate and belonging to me. Failure to comply with these legal obligations may constitute a violation of both federal and XXXX XXXX consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Security Credit Services ( SCS ) and their handling of an alleged debt recently reported on my credit file. On XX/XX/XXXX, I received an alert indicating that a derogatory account in the amount of {$5500.00} had been reported by Security Credit Services. I immediately contacted SCS to obtain details and verify the validity of this debt. During the call, I provided extensive personal identifying information, including my full name, address, phone number, date of birth, and the last four digits of my Social Security number. Despite providing this information, the representative informed me that I would be required to provide a credit or debit card to be charged {$1.00} as a form of identity verification before they could discuss the account. I refused this request, as I had already provided more than sufficient identifying informationconsistent with what my own financial institutions require. I expressed concern about the legitimacy of this practice and was told that without payment, they would not be able to discuss the debt. I then requested that they mail me written documentation regarding the alleged debt. The representative stated she would see what she could do. As of today, I have not received any correspondence or validation of this debt. Since that interaction, I have conducted my own investigation and discovered that this debt appears to be related to a student loan I co-signed for my son in XX/XX/XXXX. My understanding is that my son withdrew from the program, and while most of the loan was refunded, approximately {$5000.00} was retained for living expenses. I was not aware that he was permitted to retain those funds, nor was I informed that the account had gone into default. My concerns are as follows : 1. Security Credit Services is refusing to provide information about a reported debt without requiring payment, which appears improper and potentially deceptive. 2. They have failed to provide written validation of the debt despite my request. 3. I was not properly notified of the debt or its default status prior to it being reported as derogatory. 4. Their verification practices raise serious concerns regarding consumer protection and potential coercion. I am requesting that the CFPB investigate this matter and require Security Credit Services to : Provide proper written validation of the debt ; Cease any improper verification practices that involve charging consumers ; Ensure compliance with all applicable debt collection and consumer protection laws ; Correct any inaccurate or improperly reported information on my credit report. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to request validation of the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I dispute this debt in its entirety and request that you provide proper validation. Please provide the following : - The name and address of the original creditor - The full account number- The amount of the alleged debt, including an itemization of fees, interest, and charges - Documentation bearing my signature showing I agreed to this debt - Proof that your company is authorized to collect on this debt Until you provide the requested validation, you must cease all collection activities, as required under the FDCPA. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), if you are reporting this account to any credit reporting agency, you must ensure that all information is accurate and verifiable. If you can not validate this debt, you must delete any related entries from my credit report. If you fail to respond with proper validation, I will consider this matter closed and expect immediate deletion of this account from all credit reporting agencies. Please respond within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation