vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: AL

Complaint narrative:
I was forced to a XXXX hospital ( XXXX XXXX ) in XXXX, XXXX against my will. When I arrived, they took all of my possessions and stole my insurance card information to bill my insurance company against my knowledge. I refused to sign any paperwork, so they brought in two very large men who threatened to take me up to a place that was very bad that I would have to stay for my entire time there if I didn't at least sign the admissions form. While I was there, I was forced to interact with groups and was sleep deprived by a hall administrator doing his work in the hall making noise and I was forced to sleep with the door open and the lights on which made it impossible to rest. I finally convinced the main guy to let me go after 5 days. Then without me knowing that I owed anything, their collections agency Grant and Weber in XXXX XXXX, XXXX put a bad mark on my XXXX account. I disputed it which XXXX removed it. Then they did another bad mark on my XXXX account and XXXX is refusing to remove it even though I told them that I did not authorize this!!! I have sent Grant and Weber requests for proof of this debt to which I have received not reply. I want this removed and no further actions taken!!!

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 2026-02-25 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: FL

Complaint narrative:
I was XXXX from XX/XX/XXXX until I served my full time which was XX/XX/XXXX. Sometime in XXXX a XXXX card was opened in my name with capital one. I tried to open a business credit card and was unable to because of this account which is how I became aware of it. I sent in the documents showing my sentence and also showing I was released on XXXX/2022, yet capital one is saying Im responsible. I have never lived as the address given to me on this account. Ive never lived XXXX Florida. I was XXXX in XXXX XXXX Virgin Islands how I can I receive and use a card in XXXX Florida. I was given any good time other wise it would be edited on my time sheet. I XXXX my full time and was released on my full time date. This information can be verified by contacting the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am formally disputing a collection account that your agency has placed on my credit report without providing me any advance notice or communication. This is my first awareness of this alleged debt, and I have substantial questions regarding its validity and whether it actually belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this statutory right and demanding that you provide comprehensive validation, including the original creditor 's name, a detailed breakdown of the amount claimed, and documented proof establishing my legal responsibility for this debt. All collection activities and credit reporting must stop immediately until proper validation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was the victim of a phishing and social engineering scam involving impersonation of a Bank of America agent. I was induced under fraudulent misrepresentation to authorize a domestic wire transfer in the amount of {$5000.00}. The authorization was obtained through impersonation and false urgency, not informed consent. Within approximately four hours of the transfer, I realized the fraud and immediately contacted Bank of Americas fraud department. A wire recall was initiated the same day. I also filed reports with the FBI IC3 and the FTC that same day. The receiving bank, XXXX XXXX XXXX XXXX, acknowledged the wire fraud and coordinated with Bank of America. After investigation, I was informed that no funds were available to recover. I reported the fraud promptly, cooperated fully with the investigation, and took all recommended steps to secure my accounts. Given : Immediate reporting within hours Clear impersonation of a Bank of America representative Full cooperation with fraud investigation Formal recall initiated same day I am requesting a goodwill reimbursement review and a detailed written explanation of the investigation findings, including : Confirmation of when the funds were withdrawn from the recipient account Confirmation of whether the recipient account was restricted Confirmation that this transaction was categorized as fraud and not customer error FTC report 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 2026-02-25 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: OH

Complaint narrative:
First of all XXXX homes said they would ruin my credit if I didnt pay these things I asked first key for proof of the services being done and receipts where they paid anyone to do them. The charges are bogus I was being charged for a sattelite dish that was already on the house. A ridiculous amount to wash away a chalk drawing and XXXX for cutting grass when the only grass was a patch in the fron and back that was not even high. The city mowed the side of the house. I was also charged for equipment that was never there in the basement and I actually left something in the basement. The charges make no sense and I have a video of the home when I left. They refused to come and do a walk through with me on the day I asked. As I stated before these charges were put in place because I called hud on them for discriminating against me for moving to another home. The response given only showed a lease and made up charges not receipts. I want the receipts and who actually did the work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Two charges to my account that I didn't make : XX/XX/year> and XX/XX/year> For {$260.00} XX/XX/year> and XX/XX/year> For {$65.00} Numerous phone conversations with XXXX XXXX, Supervisor Citicard Security Department, last one on XX/XX/year>

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I already file a complain. This issue is been going since XXXX they say they going to close my account on XX/XX/XXXX now again they move it for XX/XX/XXXX this is insane

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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX Card XXXX I am filing this complaint against American Express National Bank regarding their improper handling of a billing dispute under the Fair Credit Billing Act ( FCBA ). The disputed transaction is : Merchant : XXXX XXXX XXXX Amount : {$8500.00} Transaction date : XX/XX/XXXX Reference number : XXXX Account ending : XXXX I reported this charge to American Express because I did not receive the goods or services associated with this transaction. American Express initially issued a temporary credit while they investigated. However, in their letter dated XX/XX/XXXX, they stated that they contacted the merchant and determined that I am responsible for the charge. They then rebilled the full amount to my account. American Express did not provide any valid documentary evidence proving that I received any goods or services. They did not provide : Proof of delivery Signature confirmation Shipping records Contract or authorization Any verifiable evidence supporting the merchants claim Instead, their decision appears to rely solely on the merchants explanation. I formally disputed this charge within the required time limits and also sent a written Notice of Claim requesting the evidence and a proper investigation. American Express has failed to conduct a reasonable investigation and failed to provide sufficient evidence as required under the Fair Credit Billing Act. I am requesting that American Express : Provide all documentary evidence they relied on to deny my dispute Conduct a proper investigation Remove this charge permanently from my account This charge is invalid, and I am requesting regulatory assistance to resolve this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
For the past 2 months ive been locked out of my account completely couldnt get on to make payments or change payments to any of the XXXX accounts they controlled had payments setup for some of the accounts but one was not able to setup payments due to their log in setup and couldnt get help resolving the problem then they closed one of my accounts that I was locked out of that was paid in full Syncroney keeps transferring all my calls to an over seas office in XXXX or somewhere They keep saying they will fix the problem but didnt

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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I wanted to make a payment with my milestones credit card through XXXX credit card I am a new consumer upon getting signing up for their card. On XXXX XXXX when signing up I was reading it said no annual fee when I received the card I had to pay a annual fee of XXXX dollars which was paid on time and before the due date I been with them for 2 months now I have the funds come straight from my bank account I had a balance of XXXX dollars I made a payment on XX/XX/XXXX my bill was due on the XXXX my payment was cleared also on the XXXX I then used my available balance of XXXX dollars to pay my XXXX XXXX that new bill isnt set until XX/XX/XXXX I paid that also in full. They are with holding fund when I called to find out why they stated XX/XX/XXXX I will be able to you it because has to be cleared from my bank but my bank cleared it on XX/XX/XXXX through there fine print my payment was not sent bank their is no fraudulent activities going on I am already behind on bills I want to build my credit along with pay my bills that was the reason for my to get a card to build back who I once was when I explained that to the representative along with read out the fine print to her and told her I would take legal action I heard a button being pressed in my ear towards the end of the call while in my account I told her that I to was recording this conversation on my end on my phone she stated that she didnt not want to be recorded and they blocked me out of my credit card account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: AK

Complaint narrative:
On XXXX XXXX, XXXX, I purchased XXXX BTC from Blockchain.com. The crypto came into my account as the funds were taken out of my checking account, but up to today, XX/XX/XXXX, I'm no longer able to withdraw or sell my crypto. I contacted Blockchain.com support to ask them to release my funds, but they asked for private documents including my tax reports which I provided them. They stated the the information I provided didn't suffice. I asked for my the closure of my account in this case and asked my funds to be released. They stated that they were not able to do this and gave me no ETA or instructions on how I can obtain my crypto back. I gave up after a month and started to inquire about my crypto 2 weeks ago. They finally agree to refund my balance a week ago and asked for identity verification once again. I have provided them the SAME selfie 3 different times as requested. They are stalling again even after all these years. I have attached the e-mail thread from XXXX and the recent ones. Thank you. Warmest Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I recently received a OnePay Cash Rewards card for rewards at XXXX. The rewards are not properly showing in my OnePay account. The email, phone, and name all match. I've tried calling both OnePay and Synchrony. Both redirected me to each other and said they could not help. They also said they're looking into it, and I never heard back. With OnePay, I spoke on virtual chat with XXXX. There was no confirmation number for the chat. With Synchrony, I received the following confirmation number # XXXX. They said they " couldn't help me '' and to contact OnePay or call Synchrony. I asked to do a callback, they said they " don't do callbacks. '' I've been spending time at work to fix this. I believe I am owed the {$35.00} Sign-Up bonus, as I met $ XXXX in spend in 30 days. Additionally, I've already spent around ~ {$300.00} and should get XXXX % cashback. I'm frustrated because both platforms have no way of seeing why it's not syncing with OnePay or fixing this. Please, please, please, please help me! I am happy to give all account details, speak with representatives, etc. I also considered using the XXXX -- OnePay sends copy-pasted responses, Synchrony ignores all complaints.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or incomplete information being furnished by Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXX ), a consumer reporting agency. Citizens Bank reported adverse information and subsequently closed my account without providing clear reasoning or adequate explanation. The activity in question was not the result of fraud or intentional misuse, which I communicated to the institution at the time of closure. However, the information continues to be reported in a manner that does not accurately reflect the circumstances or current status of the account. As a result of this reporting, I have been denied the ability to open a checking account with other financial institutions, causing ongoing financial hardship and limiting my access to basic banking services. I have contacted Citizens Bank directly to request correction or updating of the information furnished to XXXX XXXX XXXX, but the issue remains unresolved. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal obligation to ensure that information reported to consumer reporting agencies is accurate, complete, and properly updated. I am requesting that Citizens Bank conduct a reasonable investigation and promptly correct, update, or remove any inaccurate or outdated information furnished to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: MI

Complaint narrative:
I received an email from CashApp to verify my identity and I did. It never stated that someone was trying to take {$850.00} from me. After I did so a transaction went through. I have filed a dispute and it was declined I do not know this person nor did I authorize this transaction. Cashapp has declined giving my money back. My bank is now trying to fight this as well. stating I need to provide further information bc I verified my identity. I don't know what to do I didn't authorize this person to steal money from me that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: FL

Complaint narrative:
b'On XXXX XXXX XXXX (XXXX XXXX / XXXX Minute Duration) I was notified by the loan servicer of my account delinquency due to not meeting the terms outlined for the FHA Trial Payment Plan Agreement.\n\nThe partial payments of the trial payments contributed to the already delinquent account that the loan servicer is now demanding I cure the delinquency or demanding I I list the home.\n\nI disagreed with the reasons for removal from the modification agreement because I relied on a verbal approval. All payments were made in good faith during the trial period; the 1st payment was made by phone with the representative the day I received the verbal approval and the terms. \nIt was during this call on XXXX that I was informed that payment was improperly credited to the account due to a technical timing issue.\n\n\nOn XXXX, I was made aware during a call with a Loan Care Agent (XXXX XXXX / XXXX Duration) I received the verbal approval of the modification tentative to meeting Trial Plan Payments on time.\nThe CSR Agent explained three (3) trial payments would be due for XXXX, XXXX and XXXX in the amount of XXXX. It was stressed the three payments must be made on or before the due date, which they were and cleared my account on:\n1.\tXXXX Due XXXX & Cleared XXXX XXXX XXXX (Not Properly Credited)\n2.\XXXX Due XXXX & Cleared XXXX XXXX XXXXn3.\tXXXX Due XXXX & Cleared XXXX XXXX XXXX\n\nAlso, during this same call it was mentioned to the CSR Agent, that I had not received any of the written correspondence because I am currently out of the home and the home is occupied by my spouse while we are in ongoing divorce preceding; evidence of this was submitted with the modification application.\n\nAt this time CSR Agent never conveyed that the payment(s) could not be received more than 15 days prior to the due date of XXXX and it was never suggested to post-date the payment until this date to remain in compliance of the program. \n\nOn XXXX and several calls after that I have expressed great concern on how the matter is being handled and requested that the matter be escalated for further review for reinstatement consideration of meeting the Trial Payment Plan Agreement for the modification. \n\nWhile expressing I relied on the information provided by the CSR Agent due to the Written correspondence not being available to me, the only payment in question is the payment made by phone with this agent. All the three payments have been made in full and in good faith.'

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 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: KS

Complaint narrative:
This debt has never existed and recent come back into my life like the zombiee debt it is. I paid the debt in full before I switched carriers and purchased my home in XXXX. I have spoken with several collection agencies and third party collectors to tell them that is is not a valid debt and I want it verified. It is then sold or contracted out to someone else and I am contacted by the new collector. This has happened several times a year for years with a small break at the end of covid.

Company response to consumer: Closed with explanation