vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XXXX XXXX I acquired a XXXX and XXXX XXXX.Dollar american express rewards card. Reading the information on the spot I was told.I 'd be able to use the card in my XXXX XXXX.And for tap to pay. Getting the card I immediately activated the card and attempted to put my card on my XXXX XXXX. The car padding to the wallet, but for some reason would not set to tap to pay. I had to wait until the next day in order to call america express.Because it was sunday and I got the card after XXXX. So the first time I called and spoke to someone, the lady told me that I had to delete it and rein input.My information on my card and that it would be active to tap to pay. Trying this method did not work because it said.I needed an area code for which it is a digital card.So there was no area code set to it. Having to call back, I got put on holdfor and hour and rhen had them set up my name and address and was told itd work. I tried again and nothing. Calling back for the XXXX time i was put on hold again after and was told twice that that card was not connected to my XXXX XXXX with was a lie, i asked to speak toba manager. I had my time wasted for XXXX XXXX minutes with the representative coming on.Telling me there was no manager available and that it was going to take hours for a manager to be available.And that the manager would just tell me the same exact thing he told me and I told him that I would wait because this is my money that is involved. Finally, getting someone who said they were a manager on the phone.They tried telling me that they were not able, not unable, to see if I connected a my phone to the card then asked me if it was because it wasnt showing i was. At their brief argument explaining to her that she made no sense in what she just said i was put on hold for you at another XXXX XXXX minutes. Then, somebody who caught himself the floor manager got on the phone and proceeded to tell me that I tried logging into my card too many times and that if I tried again.My card would become unavailable to me. After giving him my reasons for why I shouldn't be having problems with my card. All of the information, my card number be then goes on. And tells me there's nothing that you can do about it and that their company doesn't do what i'm asking them to do, which I replied, then why is your number on the back of the card? And i've got no answer and was met with a apologetic.I 'm sorry, but there's nothing they can do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
My former spouse contacted me on XXXX, stating that American Express had informed him that his business credit cards were affected because my American Express account was past due. My former spouse stated the specific amount that was due on my account, as well as the number of days that my account was past due. My former spouse then stated that he would be taking legal action toward me because of the " damage '' cause by not being able to use his business credit cards. My former spouse was never an authorized user on my account, My American Express account was opened several years after we were divorced. I immediately contacted American Express via live chat message on my American Express account online. The American Express representative confirmed that my former spouse is not an authorized user on my account. I then contacted American Express by phone. I was told by the American Express representative that although my former spouse is not an authorized user on my account, our customer profiles were incorrectly internally linked in American Express 's system due to accounts that existed many years ago when we were married ( we have been divorced for XXXX years ). American Express acknowledged that this profile linkage was an internal system issue and confirmed that it had been corrected in the system, so that my former spouse is no longer associated with my account or profile in any way. On XXXX, I received an email from my former spouse 's attorney, who stated that my former spouse 's account was still affected and that he intended to take legal action against me for this. I believe it was a major violation of my privacy, for American Express to disclose to my former spouse the specific details and status of my account, which he had no business knowing. I am concerned that this breach of trust may cause further legal damage to me, by my former spouse. I requested a written explanation from American Express, explaining the details of this situation, to protect me in the event that my former spouse does take action against me. American Express declined to give me a written report. American Express breached my trust, disclosed my personal and private information to someone who was not authorized on my account, and failed to provide me with the proper protection and documentation for their mistake in the event that my former spouse does take legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NY

Complaint narrative:
I have my paycheck directly deposited into my Cashapp card. I don't know if I picked the appropriate section from the complaints list for Cashapp. Some people called a prepaid card. Some people call it just a debit card. But when I give a search to see who overall them you came up. They have a feature to deposit checks directly into my Cash app. Everyone around me can do this except for me even my grandson, whose Cashapp card used to be directly linked to mine until he turned XXXX. And they keep telling me that they can't tell me why I can't do that. I've asked for over a year. It's very inconvenient. My second job will not deposit my money into the cash app card directly. I work for the state of XXXX XXXX, so I have to ask someone to cash my check because this is my only bank and then I have to pay money to deposit it into there. They tell me the same nonsense that it's not in my area but it is that I don't meet the criteria but the only criteria I can find in the app or online I do meet regularly. I do regular business with them my smaller job directly deposits to them. I have {$10000.00} in the savings account with Them and I'm just tired of being told that they can't tell me why just me can not do this. I don't think it's right that they offer some people a benefit and they don't offer other others without any kind of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: F.H. Cann & Associates, Inc.
State: IL

Complaint narrative:
I am being subjected to 'Debt Trapping ' and unfair collection practices by both XXXX XXXX College and FHCANN. I have made multiple documented attempts to settle this debt in full, but both parties are actively obstructing my ability to pay. The school intentionally deleted my student portal access, and the collection agency ( FHCANN ) has ignored all communication for over two weeks. Despite my readiness to pay, they are maintaining a 'Charge Off ' status on my credit report. This is a willful violation of the FCRA, as they are reporting derogatory information while refusing to provide a validated ledger or a mechanism for payment. They are effectively holding my credit score hostage by refusing to communicate or accept the funds I am trying to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi my claim was XXXX originally. It was closed because I didnt reply on time here. I was waiting for banks response again. They replied to my first complaint, finally asked me for my documents and evidence. I sent it to them by mail. I waited weeks for a status update I called the number of XXXX XXXX who emailed me from Bank of America I called both number I got in his email but they dont work. Ive been waiting for The Bank of America response now after having sent them all evidence. That I was given fraudulent checks to deposit into my account. I need them to clear that with early warning please so I can move forward with my business bank accounts.

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 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am disputing a debt being collected by Hunter Warfield related to an apartment application at XXXX at XXXX XXXX. At the time I applied, I was informed that the rent for the unit was {$1400.00}. Based on that information, I submitted an application and paid the required fees. However, I was later denied because the approval process was based on a higher market rent of approximately {$1800.00}, which was never disclosed to me prior to applying. Had I been accurately informed of the actual rent and qualification criteria, I would not have applied or incurred any charges. I believe this constitutes a misrepresentation of the terms and conditions of the application. After being denied, I disputed the charge with my credit card company because I did not authorize or agree to charges under misleading or incomplete information. Despite this, the amount has now been sent to collections by Hunter Warfield. I do not believe I owe this debt and am formally disputing it. I am requesting that the collection be removed and that all collection activity cease unless full validation is provided, including documentation showing that I knowingly agreed to these charges under accurate and fully disclosed terms. Additionally, I request that this account not be reported to any credit bureaus while it is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
In XXXX of XXXX, someone opened a fraudulent account in my name with XXXX XXXX XXXX XXXX. Around XXXX of XXXX I started receiving requests for payment from the collection company Resurgent Capital Services. I contacted them, saying the fraudulent account isn't mine because I never lived in Texas. Afterwards, I filed and sent a police report and their Identity Theft Report back to them, signed, which I had to get notarized at my expense. I sent the requested signed affidavit and police report back in XX/XX/XXXX after I couldn't get any satisfaction from Resurgent Capital Services. On XX/XX/XXXX, I received a response from Resurgent Capital Services saying they are unable to validate my fraud claim, even after sending the requested information I had to them. In summary, the original creditor was XXXX XXXX XXXX XXXXXXXX. LVNV Funding LLC is now the owner of the fraudulent account. Resurgent Capital Services is trying to collect on the new owner 's behalf. FYI : All companies mentioned here have been contacted, and all pointed me to talk with Resurgent Capital Services whom is not listening. Note : I'm beginning to wonder if these companies are randomly placing Texas fraud accounts on anyone 's name around the country. This is the 2nd time a fraudulent account from Texas has come my way since XXXX. There is a file on this with CFPB. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing regarding the account listed on my credit report as a charged-off account. According to IRS guidelines, when a creditor cancels or forgives a debt of {$600.00} or more, they are generally required to file and provide the consumer with a Form 1099-C ( Cancellation of Debt ). As of today, I have not received a Form 1099-C related to this account. If the debt has truly been canceled or written off, I request that the required tax documentation be provided to me. If no 1099-C has been issued and the debt has not been legally canceled, then the continued reporting of this account as a charge-off may be inaccurate. Therefore, I respectfully request one of the following actions : Provide a copy of the filed Form 1099-C associated with this account, or Correct or remove the charge-off status from my credit report with all credit reporting agencies. Please investigate this matter and respond within 30 days of receipt of this letter. If you are unable to provide proof of the 1099-C filing or accurate reporting documentation, I request that this account be removed from my credit file to ensure compliance with fair credit reporting standards. Thank you for your time and attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Review the documents carefully ; the inquiries arrived without prior notice and could be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: OH

Complaint narrative:
I HAVE TRIED SEVERAL TIMES TO CONTACT JEFFERSON CAPITAL TO HAVE THEM QUIT REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS AND TO HAVE THEM QUIT TRYING TO COLLECT A DEBT NOT OWED THRU XXXX XXXX XXXX DISCHARGE ON XX/XX/year> JEFFERSON CAPITAL AND XXXX XXXX XXXX XXXX ALL KEEP REPORTING INACCURATE INFORMATION TO THE CREDIT BUREAUS CHARGE OFFS DELINQUENT PAYMENTS COLLECTION INSTEAD OF REPORTING MY ACCOUNT WITH XXXX XXXX AS XXXX XXXX XXXX DISCHARGE ON XX/XX/year> AND XXXX XXXX ACCOUNT AS XXXX XXXX XXXX DISCHARGE ON XX/XX/year> THEY KEEP REPORTING THESE ACCOUNTS AS CHARGE OFFS DELINQUENT PAYMENTS COLLECTION AND STILL TRYING TO COLLECT DEBT NOT OWED BECAUSE EVERYTHING WAS INCLUDED IN MY XXXX XXXX XXXX DISCHARGE ON XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB Management is trying to collect a debt that isnt owed to them. By law, anything fraudelent should be removed from my credit report. I never had a contract with nor did I give my information to NCB Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am filing a second complaint because the company closed my previous case ( CFPB Case # XXXX ) without reaching a final resolution. I paid off my vehicle loan in full on XX/XX/XXXX. On XX/XX/XXXX, a representative from the corporate office ( Claim # XXXX ) contacted me and acknowledged the title was discrepant and required correction by the selling dealership. The representative outlined a plan : - XXXX would request a duplicate title from the New Jersey XXXX. - HMF would send that title to the dealership for correction. - The dealership would return the corrected title to XXXX, who would then mail it to me. On XX/XX/XXXX, the representative called to confirm XXXX reached out to the XXXX on XX/XX/XXXX and stated I would receive my title by late XXXX or early XXXX. As of XXXX, I have received nothing. Since early XXXX, I have made numerous phone calls and left multiple voicemails for the assigned corporate representative at ( XXXX ) XXXX, but the company has ceased all communication and failed to provide any status updates.

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 2026-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Certified Recovery Inc
State: WI

Complaint narrative:
A medical debt was sent by XXXX to Certified Recovery for a past XXXX from my son in XXXX. I thought it was a duplicate charge and before I could get everything straight it was sent to Certified Recovery a collection agency. I received very minimal notifications and when I called to set up payment the agent was horribly rude. She told me they would sue me if I did not get it paid. I called back to then set up a payment plan and she said it was due in full or nothing and they would sue me in court. I said ok, what else could I do. I then received a court notice almost a year later. I called and spoke with XXXX at Certified Recovery and he allowed me to set up a payment plan. He then said he would send me a copy to sign and return and it would stay out of the courts. I received the document, I have a copy of the document I returned to them. Today I received a letter stating from the courts that a judgement was done. I called and spoke with XXXX and he said they never received the signed letter. This company does nothing but work to collect more from the consumer. I have tried to work with them many times and they are rude. At first I thought I had not received the document needing to be signed however I have found a copy. I was told by XXXX at Certified Recovery that it was not their fault. Basically it was ok for them to not be accountable if they did not receive the letter because " that never happens '' but it would not be the same if I lost it. I now have a judgement on my record, owe attorney and court fees for something I called and not only made a payment on, tried to make earlier payments on, and had an agreement over the phone to keep it out of the court room.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I started a bill pay transaction and provided the Payee Name, Address and provided the Payee account number. The Payee I had provided never received the payment. When I reached out to CapitalOne Bank they told me the money was sent Electronically. I enquired how the money was sent electronically when I didn't provide a Routing Number? Upon this enquiry, I was sent a Proof of Electronic Payment. I reviewed the Proof of Electronic Payment and to my surprise, it contains Routing Number which I never provided and Payee Bank Account that is different from the one I provided. The Bank keeps telling me to check with the Merchant, but the Merchant says they do not Bank with the Bank whose routing number is shown on the Proof of Electronic Payment provided by CapitalOne. The Bank is refusing to investigate who or how the Routing Number and Bank Account number that I did not provide ended up being included in the transaction. I asked if someone from within the Bank accessed the transaction and input the Routing Number and Account? Or if there was a breach of security from outside? One Customer Representative told me the Bank System automatically defaulted the Routing Number and Account number based on the Payee Name. This is obviously the issue with the Bank Systems that caused the money to be sent to a wrong Bank account that I never authorized. I need help to get the Bank to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
I am filing a complaint against Citizens Bank regarding their refusal to provide timely payoff documentation for a paid auto loan, which is now directly impacting a scheduled home closing. My auto loan with Citizens Bank has been paid in full. However, I have requested written confirmation of payoff ( paid-in-full letter or equivalent documentation ) to provide to my title company in order to proceed with a home closing. Despite multiple requests, Citizens Bank has refused to expedite or provide any form of immediate documentation, including email or fax confirmation of payoff. I explicitly clarified that I am not requesting the official lien release, but rather any written confirmation that the loan has been satisfied. I was informed that no expedited options are available and that I must wait for standard processing timelines, which is unreasonable given the time-sensitive nature of a real estate closing. This lack of cooperation is causing a delay in my ability to close on my home and may result in financial harm, including potential penalties, additional costs, or loss of the transaction. I am requesting the following resolution : 1. Immediate issuance of a written payoff confirmation or paid-in-full letter 2. Same-day delivery via email or fax to myself and/or my title company 3. Clear communication regarding lien release timing and documentation Citizens Banks refusal to provide even basic payoff confirmation in a time-sensitive situation reflects poor servicing practices and lack of reasonable accommodation for consumers in active financial transactions. I request urgent review and intervention to resolve this matter promptly.

Company response to consumer: Closed with explanation