vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an Account with Bank of America on XX/XX/year> and within the same week they closed it after I had already deposited {$100.00} to the account like it ask. 
When I tried to take money out from the account because I had NOT yet received my atm card the teller told me my account was closed due to fraud. 
I was not asked to bring in any form of identification either I was just asked to input my social in order to open the account and to deposit the {$100.00} for the account to be opened. 

I did not receive any mail, nor notification through email or the banking app stating it was closed. Still till today XXXX XXXX I have not received a letter. I called to ask about the {$100.00} and how can I get it back. I was told that it was mailed to me this was right before XXXX. 


I called today XXXX XXXX because I have not yet received the check they stated they sent and they said they can not issue me another check until the other one is returned back to them. 
I asked if there was another way they can issue it to me and if they could see in their system if it was cashed they stated they couldnt and they wouldnt issue me another check or return my funds until the previous check was sent back. 


I did not receive the check I dont know what happened to the check and they expect me to wait 120 days to get my funds back.

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 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I opened an XXXX XXXX XXXX  wireless account in XX/XX/2024 when I purchased a phone. The XXXX XXXX XXXX representative told me I could return the phone within 14 days under their buyers remorse program with no charges. I returned the phone unused within that period, so the contract should have been rescinded and the account closed with a XXXX balance. Instead, XXXX XXXX XXXX later billed me hundreds of dollars for service that should not have existed. I tried calling XXXX XXXX XXXX multiple times but was put on hold for hours and could not resolve it. The account was first sent to XXXX XXXX, which I disputed with a debt validation letter, and the collection was removed from my credit report. One to two months later, XXXX XXXX XXXX sent the same disputed account to Credence Resource Management, which is now reporting a collection of approximately {$560.00} and caused another large drop in my credit score. This debt is not owed because the phone was returned under XXXX XXXX XXXX buyers remorse program, and XXXX XXXX XXXX is inaccurately reporting and recycling a rescinded account through multiple collection agencies. I am requesting that XXXX XXXX XXXX recall the account from Credence and delete it from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I was the victim of an Authorized Push Payment ( APP ) fraud. I hired a virtual assistant to manage my XXXX XXXX account and to purchase inventory on my behalf. They provided their bank account details and instructed me to transfer funds for services and inventory. I made 5 transfers from my PNC business account to XXXX XXXX XXXX and XXXX XXXX XXXXs XXXX  as ( Transaction 1 ) {$540.00} on XX/XX/year>, ( Transaction 2 ) {$6300.00} on XX/XX/year>, ( Transaction 3 ) {$500.00} on XX/XX/year>, ( Transaction 4 ) {$5000.00} on XX/XX/year>, ( Transaction 5 ) {$620.00} on XX/XX/year>. After making the payments, the individual stopped responding and did not deliver the promised services or inventory. I reported the issue to PNC Bank, but they denied my claim and made no effort to recover the funds. Also XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  are the receiver banks for the scammers/fraudster accounts and providing heaven for the scammers. I am filing this complaint because : I was misled and deceived into authorizing the payments. Under UCC 4A, requested resolution : Reopen the investigation for all the transactions. Attempt recovery from the receiving accounts. Provide full reimbursement for the funds lost due to APP fraud as it is a part of big fund loss. Provide detailed documentation of the investigation, including actions taken, communications with the receiving banks, and their responses. Obtain and disclose relevant customer and account details from the receiving banks to assist law enforcement authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Good dayI can not stress enough how utterly frustrating and debilitating this situation is. You wake up one day to the shocking discovery of a debt you know absolutely nothing about, one that's unverified and simply not yours. This has led to relentless harassment across multiple communication platforms, employing various tactics, including threats of legal action that I never imagined enduring. As a law-abiding citizen, this is deeply insulting and a blatant violation of my consumer rights. It's severely impacting my mental health, leaving me with sleepless nights and profound distress. I will not tolerate this injustice any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am an elderly consumer and I am the victim of unauthorized debit-card transactions that may exceed {$100000.00}, conducted using a debit card issued in the name of my deceased husband after his death in XX/XX/XXXX, and discovered in XX/XX/XXXX. 
Capital One has been repeatedly notified of this fraud and, from XX/XX/XXXX through as recently as XX/XX/XXXX, has refused to provide transaction-level debit-card records or allow disputes to be initiated unless specific transaction IDs are identified, while simultaneously refusing to provide the transaction data necessary to identify those unauthorized transactions.

This circular refusal obstructs my rights under the Electronic Fund Transfer Act and Regulation E and constitutes an ongoing failure to investigate unauthorized electronic fund transfers, failure to provide required records, and failure to provisionally credit disputed funds. 
Capital One has also been made aware that this matter involves elder financial abuse and bank fraud for the unauthorized use of a debit card issued to a deceased person. Despite this notice, the bank has taken no corrective action.

I respectfully request the CFPBs assistance in requiring Capital One to comply with its obligations under Regulation E, provide the requested records, complete a proper investigation, and make full restitution for unauthorized electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I have contacted XXXX XXXX about this today but XXXXXXXX XXXX sent email/text to my ex husband with a reference number where he could log into my account and get all my info as long as he had the reference number and my XXXX he gets info about my account and my new address. This company has sent out confidential info that doesnt concern my ex husband and Ive been divorced from him since XXXX Ive asked this company what they wanted to do about this and they couldnt come up with a solution except for me to pay up. This company breeched my info illegally when they had my info to send everything to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I did not open an account with nor sign a contract with Jefferson Capital systems. they do not own any debt from me and are not entitled to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: TN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2026-01-13 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: TN

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I asked to dispute foreign transaction fees across multiple amounts for a total of {$120.00} between XX/XX/XXXX and XX/XX/XXXX. 

I spoke with a person called XXXX XXXX today at XXXX XXXX. I asked for documentation about the fees, asked to escalate to his supervisor called XXXX, and asked for documentation about the dispute. 

He said he could not provide any documentation thay I should have been careful, he said there's no other escalation point, he said XXXX his supervisor does not take calls, he said I could call again to speak with another person but the information or advise wpuld not change. 

I am stuck. I need help. 

This checking account is predatory and charging many fees after the fact. I found out today on XX/XX/XXXX of individual fees being charged after the fact. For example, an atm debit I made on XX/XX/XXXX was refelcted on my account today XX/XX/XXXX. 

There is no escalation point based on thr conversation I had with XXXX XXXX. He would not provide any documentation or information about the fees or dispute. 

I want a FULL REFUND.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I received a letter in the mail regarding USAA bank finding inconsistent banking processes on their end that resulted in my account being overdrawn and closed. I wanted to receive the compensation for the money that was withdrew from my account, upwards of XXXX dollars. I had been with USAA for XXXX  years, prior to this happening. I have all evidence and I would like to have this resolved. I would like my account reinstated as well.

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 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Account XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delete account # XXXXXXXX XXXX XXXX XXXX XXXX  as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rosenberg & Associates Recovery Services
State: VA

Complaint narrative:
Rosenberg and associates left me a message with threats to come to my place of employment if I did not return their call. Upon calling, they preceded to tell me paperwork was being filed to take me to court for a XXXX  XXXX credit card balance from 2013 ( 16 years ago ). They also told me the original balance on the card was {$900.00} but I now needed to pay {$4400.00} due to fees. This account was resolved years ago.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Zip Co US Inc.
State: MO

Complaint narrative:
On XX/XX/2025, a purchase totaling {$110.00} was made through Zip/QuadPay with an online merchant. After the transaction, it was determined that the merchant was fraudulent. No product was ever received.

Beginning shortly after the purchase, multiple attempts were made to resolve the issue. Approximately 10 phone calls and 10 email contacts were made to Zip customer support to report the fraudulent merchant and request a refund. Zip requested documentation proving the merchant was fraudulent, which was provided in full as requested.

Despite complying with all instructions and providing documentation, no resolution has been reached. Zip has repeatedly stated that the matter is still under review and that additional time is required. No refund has been issued to date.

The account remains in default for this transaction even though the product was never delivered and the fraud was reported promptly and properly. No updates or timeframes have been provided despite ongoing follow-up efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital Systems LLC reported three derogatory accounts for similar amounts and same dates. I have never received validation of these debts and this company continues to report and maintain it as 3 on my report despite my continued request and disputes. They continue to report the accounts as collection accounts monthly and derogatory, harming my credit score. Violations and legal Basis : 1. FDCPA 809 ( b ) : Failure to provide written debt validation after dispute. 2. FDCPA 807 Misrepresentation of the legal status of the debt. 3. FCRA 623 ( a ) Furnishing disputed or unverified information to consumer reporting agencies. 4. FCRA 611 Failure to correct or delete inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have never open any accounts with any of these companies on file ever. I looked at my account after being denied credit and this is what I saw in my file. This has been hurting me from allowing me to get any new credit in the past or the future. I would like these accounts from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
I experienced financial harm after fraudulent transactions were processed through Remitly. Despite multiple fraud indicators, repeated contacts with Remitly, and documented concerns, the company allowed transfers to proceed without effective intervention or enhanced due diligence.

I sent a formal written demand letter requesting review and resolution. Remitly did not respond to that letter at all. Instead, I received inconsistent and contradictory information from different representatives, and my case was repeatedly closed without meaningful explanation.

Remitly has acknowledged hardship in prior communications and has previously exercised discretion via goodwill consideration, demonstrating that relief is possible. However, after my demand letter was ignored, Remitly refused further review and stated that the matter was final, without addressing the substance of my concerns.

I believe Remitly failed to act reasonably in light of known fraud risks, failed to communicate clearly or consistently, and failed to respond to a formal demand for resolution, leaving me in prolonged financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect is reporting a rental collection for {$750.00} on a joint account but has never provided a signed lease, move-out ledger, itemized charges, or proof of my legal liability. The credit bureaus verified this using data only. I am requesting documentation or deletion under the FCRA and FDCPA.

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 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Took out the loan, and then issues occurred and now tying to reach out and create a plan at a reasonable interest rate not XXXX XXXX and was told they could waive a fee and called today to make a payment and now was told they couldn't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: RI

Complaint narrative:
I initiated a standard bank transfer on XX/XX/XXXX for {$1200.00}. The transfer was supposed to be completed by XX/XX/XXXX at the latest. It is still pending. Today is XX/XX/XXXX. My transfer is pending indefinitely and the money is neither in my Venmo account or in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DISCOVER BANK
State: TN

Complaint narrative:
Voicemail was left to contact them immediately to avoid a summons. Also, possible wage garnishment, siezure of any assests, property to pay the debt. Caller provided the following information.

Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have a credit card with a {$3600.00} credit limit. I used the card for a dental procedure and paid the card off leaving a 0 balance and {$3600.00} available credit. As soon as I paid the balance off they stopped reporting it to the credit bureaus without closing the card. This resulted in the card being removed from my account and spiking my CCU, lowering my credit age, and substantially lowering my credit score. I also haven't received a single statement since I paid my balance off in XXXX. 

All my positive history with the card is nowhere to be found. I called Comenity to confirm the card was still open with a zero balance, which they confirmed. When I asked why they were not reporting the card to the credit bureaus, I could not get a straight answer and was told that there is nothing they can do for me. The only solution would be to mail a letter stating my case.

Company response to consumer: Closed with explanation