vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Company : Transworld Systems Inc. ( TSI ) Prior CFPB Case # : XXXX I am filing this complaint due to Transworld Systems Inc.s continued reporting of an inaccurate and legally unsubstantiated debt after being placed on formal notice of the errors in CFPB Case # XXXX. In their response dated XX/XX/year>, TSI provided only a landlord-generated Move-Out Statement. This document is merely an internal accounting summary and does not constitute competent legal proof of the {$1000.00} labeled as Eviction Fee/Attorney Fee. Despite being formally notified of these deficiencies in my prior complaint, TSI continues to report the full balance as verified and accurate. Evidence of Inaccuracy 1. No Court Award or Judgment The official court docket for Case # XXXX reflects a Voluntary Dismissal with a monetary value of {$0.00}. No judgment was entered No attorneys fees were awarded No eviction costs were granted There is no legal basis for reporting {$1000.00} as an awarded obligation. 2. Contractual Limitation Lease Paragraph 51 The Lease Contract states residents are liable only for attorney fees actually paid by the owner. TSI has failed to provide : Attorney invoices Proof of payment Billing records Evidence the fees were actually incurred and paid Without proof of actual payment, this fee is contractually unsupported. Willful FDCPA & FCRA Violations TSI has : Been placed on notice of the inaccuracy Been provided the relevant court case information Been given multiple opportunities to correct the reporting Yet they continue to report the account as verified. This conduct constitutes willful noncompliance, not mere negligence. By continuing to report an unawarded and unverified legal fee after documented notice, TSI is : Misrepresenting the character and amount of the debt in violation of 15 U.S.C. 1692e Failing to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ) Knowingly reporting materially inaccurate information Continued reporting after notice demonstrates reckless disregard for federal accuracy requirements. Requested Resolution Because the reported balance of {$6600.00} includes a legally unsubstantiated {$1000.00} charge, the entire account is materially inaccurate. TSI has failed to provide : A court judgment Itemized legal bill ing Proof of payment Contractual authorization supported by documentation Accordingly, I request the immediate deletion of this account from all consumer reporting agencies. If TSI continues reporting this account without competent evidence, I reserve all rights to pursue additional remedies under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am writing to file a complaint against U.S. Bank regarding the U.S. Bank XXXX XXXX XXXX XXXX. The bank has failed to honor its advertised rewards earning rate, and its customer service has ignored my dispute for approximately XXXX months. As a cardholder, I maintain the required qualifying balance across my U.S. Bank accounts to be eligible for the maximum XXXX % ( XXXX points ) earning tier on all purchases, as explicitly advertised for the Smartly card. The rewards structure issues a base XXXX % on transactions, and the remaining XXXX % is awarded as a " XXXX XXXX XXXX '' at the end of the statement period. On XX/XX/XXXX, I made a purchase in the amount of {$2700.00} at a merchant named " The XXXX XXXX '' ( Reference number : XXXX ). The base XXXX % ( XXXX points ) posted to my rewards account on XX/XX/XXXX. However, the additional XXXX % bonus was never credited for the XX/XX/XXXX- XX/XX/XXXX statement period. Since this was my only transaction during that billing cycle, I am missing exactly XXXX bonus points. I contacted U.S. Bank customer service regarding this missing bonus approximately XXXX months ago ( around early XX/XX/XXXX ). The representative acknowledged the issue and stated it would be investigated. Since then, I have received absolutely no updates or resolution. The missing XXXX points have not been credited. This failure to deliver advertised rewards, combined with unresponsive customer service, is unacceptable.

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 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am the victim of coordinated identity theft affecting XXXX financial institution accounts simultaneously. I have submitted a formal written dispute letter to U.S. Bank USPS XXXX XXXX ( Tracking No. [ XXXX ) on [ XX/XX/year> ], pursuant to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account ( ending [ XXXX ] ) reflects $ [ XXXX ] in unauthorized transactions I did not authorize. I did not link any external accounts, initiate any payments, or authorize any third party to access this account. I demand : ( XXXX ) immediate fraud case opening and written case number confirmation ; ( XXXX ) full provisional credit for all disputed amounts ; ( XXXX ) suspension of all adverse credit reporting and collection activity pending investigation ; and ( XXXX ) written response within the statutory period. The FTC Identity Theft Report filed concurrently is attached ( Case No. [ FTC CASE # 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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I tried to open a checking account with Capital One online. I submitted all of my personal information, including my SSN and passport, but my application was declined. I then received an email stating that : We received your Checking account application, but we cant approve it right now. This decision was based on a number of factors, including a report from XXXX, a consumer reporting agency. Their report is like a credit report, but looks at your deposit account history rather than your history with loans ( like credit cards or mortgages ). This report was pulled XXXX XXXX, XXXX We declined your application because your XXXX deposit score is XXXX ( on a scale of XXXX ), which we consider to be a higher-risk score. According to EarlyWarning, these are the major factors impacting yourscore : - Number of accounts in a high risk status - The status of a relationship at the inquiring bank and return items at any bank during the last 180 days - The number of different banks inquiring during the last 2 years - The time since the account ( s ) last went into XXXX XXXX status Our decision was based in whole or in part on information obtained from XXXX. XXXX did not make the decision to decline your application and is unable to provide the specific reasons about why it was declined. If you have questions about the XXXX report, you can get a free copy of it within the next XXXX days. If theres a mistake on the report, you can dispute it withthem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I took my settlement check of {$14000.00} to a Chase bank to open an account solely to get this check cashed so I could use it to buy a vehicle. Everything went smoothly I got my receipt that indicated my funds would be available on XX/XX/year>. On XX/XX/XXXX I woke up checked my account and it said my {$14000.00} was available. And on the day before I had called the bank to notify them that I would be in the next day to withdraw all the money. So in the morning of the XXXX I go into the bank I go up to the teller and I let him know that I was there to withdraw my money and close my account and he said he remembered me calling the day before and I thought oh good. so after about 10 minutes he says he needed to go take this transaction to his supervisor to get it okayed. I didn't think nothing of it. so he came back and then informed me to go have a seat in the lobby and wait for the manager to come out and she would help me. I waited several minutes and about this time I'm getting a little antsy because I'm supposed to meet up with one of the guys to look at a vehicle I ultimately ended up texting him and canceling the meeting. Finally after about 5-10 minutes the manager she came out she looked very unprofessional her dress was very unprofessional she looked like she was a little bit angry and basically her demeanor was like she was accusing me that I was a criminal because she said that my money was not available she couldn't give it to me. I said but it's available on my account and she said " not anymore '' just like that " not anymore '' and my account was also frozen. I didn't catch her name because she wasn't wearing a name tag. but she she's heavy set dark hair. Now I know you can't just go freezing an account and saying that you can't have your money that was already available is not legal and she did not give me anything in writing explaining why they had taken my money back and froze my account. At this point I'm very angry I don't have no money now I don't have a car I've lost out on two or three different vehicles it's just ridiculous is this even happened it should have never even happened tomorrow as you're reading this complaint I'm going to go back into the bank and get my money. I hope anyway Key Regulations Violated * Regulation CC ( 12 CFR Part 229 ) : Specifically, the rules regarding when funds must be made available and the requirement to provide a written " Exception Hold '' notice if they choose to hold funds beyond the normal timeline. I didn't not receive this. * Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) the manager made me feel like I had done something wrong and treated me like I was a criminal! Attached below is my settlement agreement that was signed by the CFO of my ex employer. And states I was given a check for {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This account was opened fraudulently. I contacted the company but no resolution was reached

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I. Initial Application & Delays ( XXXX XX/XX/XXXX ) I initiated a mortgage assistance application ( Loss Mitigation ) on XX/XX/XXXX, due to a temporary financial hardship. Between XXXX and XXXX, I complied with multiple requests for additional documentation, including pay stubs and updated forms. Despite my timely responses, the servicer sent a notice on XX/XX/XXXX, claiming they were discontinuing the review for lack of documentsa statement contradicted by my sent email records and subsequent servicer actions. II. Official " Complete Package '' & Regulation X Violation ( XX/XX/XXXX XX/XX/XXXX ) On XX/XX/XXXX, the servicer issued an official notice confirming my application was COMPLETE as of XX/XX/XXXX, and stated that no further information was needed. Under Regulation X ( 12 CFR 1024.41 ), the servicer was legally required to provide a decision within XXXX days ( by XX/XX/XXXX ). No decision was provided by this deadline. XXXX. Procedural Looping & Bad Faith ( XXXX XX/XX/XXXX ) Instead of a decision, the servicer began a pattern of " procedural looping. '' On XX/XX/XXXX, they issued a new " missing items '' notice requesting the same documents already accepted in XXXX. On XX/XX/XXXX, they forced a resubmission of a form just to add a city name to the addressa detail they had on file for monthsand subsequently issued a new " Complete Package '' notice on XX/XX/XXXX, to restart their XXXX-day review clock. IV. Financial Harm & Lack of SPOC To date, I have spoken with XXXX different agents, violating the requirement for a Single Point of Contact ( SPOC ) under servicer guidelines. This mismanagement has resulted in unjustified late fees ( including approximately {$49.00} monthly, even after specifically requesting a waiver on these late fees over the phone giving that they missmanaged my information and communications, which they agreed upon ) and months of unnecessary financial and emotional stress while my savings were depleted.

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 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
This collection doesnt belong to me. Never benefited from this company. I believe someone impersonated me to get this credit card. This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hi i called bmo harris multiple times 3 or 4 times to report fraud transaction that i never authorized and they did not reported it i just want my moneh back from those fraud transactions list of the fraud transactions below XX/XX/XXXX non bmo XXXX $ XX/XX/XXXX non bmo XXXX $ XX/XX/XXXX non bmo XXXX $ XX/XX/XXXX non bmo XXXX $ XX/XX/XXXX non bmo XXXX $ XX/XX/XXXX non bmo XXXX $ XX/XX/XXXX non bmo 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 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/year> Re : XXXX XXXX National Credit Systems XXXX to Validate Debt To Whom It May Concern, I am filing a complaint against National Credit Systems for failure to comply with the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, at XXXX XXXX, I sent a Debt Validation Letter to National Credit Systems Certified Mail, requesting validation of an alleged debt being reported on my consumer credit report. USPS Tracking Number XXXX confirms delivery to their XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/year>. More than XXXX days have passed since confirmed delivery of my request, and I have not received any documentation validating this alleged debt. Despite their failure to validate the debt as required under 15 U.S.C. 1692g ( b ), National Credit Systems continues to report this account to consumer reporting agencies, which constitutes continued collection activity without validation. This conduct is misleading, inaccurate, and in violation of the FDCPA. I request that National Credit Systems : XXXX. Provide proper validation of the alleged debt, or XXXX. Immediately cease reporting this account to all consumer reporting agencies and delete the tradeline from my credit file. I have attached proof of certified mailing and USPS delivery confirmation for reference. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am filing a formal complaint against PayPal for their refusal to refund a total of {$240.00} ( {$120.00} + {$120.00} ) for confirmed counterfeit goods. The merchant, " XXXX XXXX XXXX XXXX, limited, '' split the purchase into XXXX separate transactions : XXXX XXXX : {$120.00} ( Transaction ID : XXXX ). XXXX XXXX : {$120.00} ( Transaction ID : XXXX ). Upon receipt, I confirmed all items ( branded XXXX XXXX XXXX, XXXX, XXXX, and XXXX ) were counterfeits. Professional authentication from the marketplace XXXX confirmed they were non-authentic, and my account there was banned as a result. I escalated Case ID XXXX on XX/XX/year>. Despite my evidence, PayPal is demanding I return the items to XXXX. I have formally notified PayPal that I can not legally comply because 18 U.S.C. 2320 makes it a federal crime to knowingly mail counterfeit trademarked goods. Additionally, the return shipping cost is {$130.00}, which exceeds the refund amounts. On XX/XX/year>, a PayPal supervisor explicitly told me I " have to find a way to ship the goods legally or its not fair. '' This is a direct instruction to violate federal law, as there is no " legal way '' for a consumer to mail counterfeit contraband internationally. This instruction contradicts USPS International Mail Manual Section 136.3, which prohibits mailing counterfeits. Earlier that same day, a different PayPal agent instructed me to bypass the return process and file a formal chargeback with my card issuer to resolve the fraud. PayPal is currently stalling the resolution until XX/XX/year>, while failing to uphold their own XXXX XXXX XXXX, which should provide a full refund for counterfeit items without requiring the buyer to engage in illegal shipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account was opened fraudulently. I contacted the company but no resolution was reached

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently noticed suspicious activity on my bank accounts that led me to believe I may have been a victim of fraud. While reviewing my transactions, I observed charges and/or transfers that I did not authorize or recognize. These transactions were inconsistent with my normal spending patterns, which immediately raised concern. Upon discovering this activity, I promptly contacted my bank to report the suspected fraud and requested that the affected accounts be secured. The bank representative reviewed the transactions with me, confirmed that the charges appeared unauthorized, and initiated a fraud investigation. I was advised to close or freeze the compromised accounts and open new ones to prevent further unauthorized activity. I also changed my online banking passwords, updated security questions, and enabled additional security features such as multi-factor authentication to strengthen account protection. To my knowledge, I did not share my banking credentials with anyone, and I am unsure how the information may have been obtained. I am fully cooperating with the banks investigation and monitoring my accounts closely for any additional suspicious activity. I respectfully request that the unauthorized transactions be reviewed and resolved as quickly as possible.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was depositing XXXX into my checking account at the ATM machine - the machine jammed, said to call Citibank on the screen, and then the atm machine went back to the home screen and said it couldn't provide money or take money at this time. I called citi bank right away, they opened an investigation- and i explained this is all my bill and mortgage money for the month- i really needed to have this resolved asap because i need to pay my mortgage and bills. This was on XXXX XXXX all ive received is a letter stating that they are aware that I called in about an issue. I called the branch mana ger the next morning, he advised me that the ATM was operating correctly now, so a technician came in and fixed it. Why wasnt my account credited right away? Why do i have to wait for 10-15 days when i literally cant afford to? Please- if it was the beginning or middle of the month, sure, i can afford the patience. But I do not want to acquire late fees on my mortgage and credit cards because Citibanks ATM machine stopped working properly. Please, if anyone can just treat this as if it was their money and they had to pay rent, bills, mortgage, etc by the 1st ( which is today ) can you just act as if and help me out? Its hard enough right now. Thank you 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 monetary relief
Consumer complaint received 2026-03-02 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am filing this complaint because XXXX is illegally withholding {$100.00} in my account following a hotel stay. The hotel has officially released the authorization hold and provided me with a specific authorization release code XXXX Despite the merchant releasing the funds and providing proof that the transaction is voided/finalized XXXX is refusing to update my available balance and release my money I have contacted XXXX support and provided this authorization code yet they continue to hold my funds Under the electronic fund transfer act and regulation E a financial institution must investigate and resolve errors regarding the available of funds. By ignoring a valid merchant release code XXXX is in violation of federal law and causing me significant financial hardship.I have done my due diligence the delay is entirely on XXXX end

Company response to consumer: Closed with explanation