vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  responded to my complaint with unsupported assertions and no documentary evidence. 

They failed to provide validation required by FDCPA 1692g and failed to demonstrate a reasonable investigation under FCRA 611. 

The account is medical in nature, and XXXX is not the provider. They can not legally verify the debt without disclosure of protected health information. 

Their attempt to pre-empt future complaints is improper. I am requesting supervisory review, deletion, and confirmation of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year> I was approached by what appeared to be a charity asking for donations, I agreed to make a donation of {$20.00} and I tapped my physical Bank of America credit card on their card reader. They sent me a text message with a link to a receipt indicating that I donated {$20.00}. A few hours later the same night, after checking my bank account I realized that they had instead charged my card for {$5000.00}, and the payment was made to a company not at all related to what the charity claimed to be for, and after researching, does not seem to be a real company that exists ( company name XXXX XXXX ). I interpret this to be fraud. Immediately after realizing ( around 2 hours after it happened ) I called Bank of America to report fraud, and they instead told me to wait until the payment posted and attempt to dispute the charge instead. After the payment had posted, at least day later, I described the situation and disputed the charge of {$5000.00} stating I only intended to pay {$20.00} and providing the same receipt I was provided. They denied this claim about and I asked them to reopen the claim for the disputed charge three times over the course of three months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/year> my bank account with Chase was hacked. I informed Chase Bank that the check 's trying to be deposited by virtual deposit were Fraudulent, they permitted one to get deposited, with out my knowledge, then went back XXXX months and returned deposits that had cleared BOTH banking institutes, again without notifying me, causing me to become over drawn. Chase was doing nothing do stop this so I called and requested that the account be closed and then 3 days after that a very rude male individual from Chase called to tell me that " they '' were closing the account. My response was that I had closed it 3 days ago because they were doing nothing. In XX/XX/year> Chase kept my social security deposit for XX/XX/year>, stating that they could because I spent the money, I did spend the money, but it was only because Chase had returned deposits that has cleared, refunding the source/s causing me to be overdrawn. 
To this day I can NOT open a bank account due to this issue as I am turned down without being given a reason only stating that they can not open an account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I am filing this complaint because Acima Leasing is attempting to collect a debt that has already been satisfied and is engaging in unauthorized bank account harassment.

1. Unauthorized Daily Withdrawals : Acima has repeatedly 'spammed ' my bank account with daily withdrawal attempts that were not authorized by our agreement. Specifically, they attempted withdrawals for 5+ consecutive days in XX/XX/XXXX ( XXXX XXXX ), multiple days in XXXX, and daily from XX/XX/XXXX, to XX/XX/XXXX. This daily retry system was admitted by their agent 'XXXX  XXXX on XX/XX/XXXX, and is a violation of the Electronic Fund Transfer Act.

2. Debt Already Satisfied : I was quoted a cash price of {$400.00} for tires. As of XX/XX/XXXX, I have already paid a total of {$550.00}. This is 139 % of the original cash price. Despite this overpayment, Acima is claiming I still owe over {$550.00}, which would bring the total to nearly triple the original cost ( {$1100.00} ).

3. Deceptive Practices & Bad Faith : The total cost and the 90-day window were never clearly disclosed. Furthermore, I attempted to resolve this via live chat on XX/XX/XXXX. After I provided proof of overpayment, I was told a supervisor would join, but I was left in a queue for over 45 minutes and no one ever arrived. 
I demand this account be marked as Paid in Full immediately and all future withdrawal attempts cease. 

Please see all attached documents. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Re : Debt Validation Request To Whom It May Concern, I am writing in response to the collection account that your company is reporting under my name. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide competent evidence that I have a legal obligation to pay this debt, including but not limited to : 1. The name and address of the original creditor 2. The original account number associated with the alleged debt 3. A full itemized accounting of the amount claimed, including any fees or interest added 4. A copy of the original contract, agreement, or application bearing my signature 5. Documentation proving that XXXX XXXX XXXX XXXX has the legal right to collect this debt, including a complete chain of assignment from the original creditor 6. The date of the alleged default and the date the debt was obtained by your company This account is currently being disputed. Until proper validation is provided, you must cease all collection activity and reporting of this account to any consumer reporting agency, as required by law. 

If you are unable to provide the requested documentation, you must immediately request deletion of this account from all credit reporting agencies to which it has been reported. 

This letter is not a refusal to pay, nor is it an acknowledgment of any debt. It is a request for validation only. 

I expect your response within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I never received a letter, or email, or a phone call that my credit card was going to be charged off and go to collections. And even once that happened I never got contacted by the collections to resolve my debt. And before anyone contacted me my checking account was closed .. thats how I figured out my card got charged off and went to collections but if I wasnt for me checking the banking app I never got a notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX. There are also fraudulent inquiries at XXXX  XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, or hard inquiry as reported. The aforementioned account, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account, and hard inquiry are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2026-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
deposited check into my account over a week ago and where on hold and was told funds would be available on XX/XX/year> and checked and now told funds wont be released XXXX til additional verification is done so they are holding until XX/XX/XXXX when check was deposited on XXXX XXXX after talking with party who wrote check for me he told me funds were released from his account 3 days ago and citizens bankXXXX said they need more time to verify XXXX check because they are saying it is fraud which is not because other parties ban XXXX has released funds already

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I deposited court-approved funds from my former work as an estate executor in NJ with the financial institution on XX/XX/year>, which subsequently placed a hold on the funds. Since that time, I have repeatedly contacted the institution to understand the basis for the hold, what documentation ( if any ) was required from me, and when the funds would be released. 
I have complied with all requests made by the institution and have provided all information and documentation requested. Despite this, the funds remain inaccessible, and I have not been given a clear explanation for the continued hold, a specific reason justifying its duration, or a definitive timeline for release. 
I have requested only an explanation, confirmation of the basis for the hold, and a determination as to when the funds will be made available. The prolonged lack of access to my funds has caused ongoing financial disruption. 
I am submitting this complaint to request review of whether the institutions actions and the duration of the hold are consistent with applicable consumer protection standards and to obtain a clear resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I send {$95.00} cash app to XXXX XXXX but the money went to the wrong person I contact cash app many times they say they can't help me to get my money back I dont know how this happened I'm XXXX I'm legally XXXX due to XXXX  dettachment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In XXXX of XXXX I went into Best Buy, I opened a cc and purchased a lap top. I received my first statement and paid it in full, {$1800.00}, by mailing a check in the provided envelope. It was check number XXXX, and they processed it electronically. It posed from my bank account on XX/XX/XXXX, the due date in the statement was XX/XX/XXXX. 
Citi bank is claiming they did not receive the money, I have tried to resolve this with them, I have sent a letter to the better business bureau, they have sent me to multiple collection agencies, and I always got back to them trying to resolve this. 
I am now being sued by Citi Bank for something that I paid for! I have attached my bank statement and the letter I wrote to the better business bureau. I would like to also file a complaint here. You can see that on my credit report I have never been late or not paid a bill before, and the exact amount is withdrawn from my account on XX/XX/XXXX. I dont feel they have done anything other than accuse me of not paying instead of investigating and actually figuring out what they did with the payment. Its just another situation of being in taken advantage of a large corporation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America had requested online profile update which I attempted numerous times.My profile has always been updated during the past 34 years if anything had changed. When I tried to update, the system would not allow to send unless you made a change, but no explanation. I did attempt at least XXXX times over a couple months. I was notified by BofA that my online bill pay had been canceled, so went to branch office to close account.The banked informed me the account had been frozen. Branch office contacted corporate office & I was able to close account & issued cashers check for the balance. The explanation was they are not accepting mailing addresses, which they certainly did for the past 34 years. They never explained this by phone, email or post office mail, only the update profile. My XXXX credit cards were the next to be canceled without notice again, I found out when purchase was denied. These XXXX credit cards have ALWAYS been paid in full each month for the past 34 years and now they refuse to honor rewards on either, even when the balance has been paid in full. I asked several customer agents to please send be written confirmation by email that I am no longer eligible for rewards since they canceled my credit cards & was told they don't send emails. They owe me about {$500.00} between the XXXX but unable the exact amount since my online account has been closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To whom it may concern. 

After numerous failed attempts with XXXX Department of Education XXXX settle account XXXX, it has come to my attention that they are in several violations of the following : 15 USC 1692b ( 2 ) - ( FDCPA ) prohibits debt collectors from telling a third party that a consumer owes a debt when trying to get location information ( address, phone, workplace ) about that consumer, protecting the consumer 's privacy while allowing collectors to find them, as long as they identify themselves and their purpose ( confirming location ) and don't reveal the debt.

15 USC 1692h -debt was disputed but the credit was never applied 15 USC 1692e4- prohibits debt collectors from falsely representing or implying that nonpayment of a debt will lead to arrest, imprisonment, or seizure/garnishment of property/wages, unless such action is actually lawful and the collector intends to take it * *. In simpler terms, debt collectors can't threaten you with jail time or losing property unless they genuinely can and plan to sue you for it.

15 USC 1692j - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

The principal and interest was never paid upon request. They even acknowledged receipt of my instrument and still did not credit my account per correspondence dated XX/XX/year>. Which is very intentional on their part and also considered SECURITIES THEFT. The also threatened the garnishment of my wages which is against the law.

To have this amount of debt ( knowing the debt was sold and transferred per their 10k annual report ) is extremely embarrassing and greatly hinders my pursuit of happiness. I can not get approved for anything. Recovery for these damages/violations are backed by 15 U.S.C. 1681o ( a ).

More significantly, in the case of willful violations, the Act provides for recovery of statutory damages of not less than {$100.00} but not more than {$1000.00} per violation, as well as punitive damages and attorneys ' fees.

Additionally, Further non compliance will result in the contact of the SEC, FTC and IRS. Please remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I previous filed a complaint and I was told to I just needed to provide them with the company LLC type C, S, P and a full statement from progressive on how they got the amount of {$5600.00} and funds would be released. Once I gathered that information and provided it to Santander Consumer USA the requirements changed once again and now they have added extra tasks. They consistently show bad faith and unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In or around XXXX of XXXX, I deposited a check in the amount of approximately {$5000.00}. At the time of deposit, I believed the check to be legitimate. Bank of America later determined the check was not valid and reversed the deposit. 

I repaid the full amount to Bank of America following notification. I dispute the accuracy and completeness of how this event is reported to XXXX, including the classification, dates, and current status, as the obligation was satisfied. 

I am requesting verification that the information being reported is accurate and properly reflects repayment, and that the record be updated or corrected as appropriate.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
The amount being requested is not the issue. The original company XXXX XXXX XXXX XXXX XXXX XXXX XXXX made fraudulent charges to my insurance company for testing that was not performed. They filed charges without a PA for the services and my insurance company refused to pay. I was looking to switch physicians because the clinic I was using was closing. I went in to meet the doctor to see what I thought of him ( XXXX XXXX XXXX XXXXXXXX XXXX ). The appointment lasted, maybe XXXX minutes. He then tried to charge my insurance company for testing, which never happened. After my insurance company refused to pay, they tried to bill me. This occurred approximately XXXX years ago. XXXX years ago another collection company tried to collect on the fraudulent debt. I had that removed from my credit report. This is a second company that is trying to collect the same debt. I have been unable to get this one removed. All the credit companies are doing is calling to verify that the amount is correct. That is not the issue. The entire amount is a fraudulent charge, as the testing never occurred. The original company, XXXX XXXXXXXX XXXX XXXX XXXXXXXX has been in bankruptcy since 2023.

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