vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On Wednesday, XX/XX/XXXX, I opened a TD Bank account and did not make any transactions or use the account until Monday, XX/XX/XXXX. On that day, I deposited a total of {$10000.00} into the account. This amount consisted of {$200.00} from the XXXX of New York, {$250.00} from XXXX XXXX XXXX as a reimbursement related to a warranty claim for my bed frame, and {$600.00} in cash, along with the remaining funds that made up the total deposit. After the deposit, I withdrew {$130.00} from my checking account. The following day, I woke up to find that TD Bank had closed my account without providing any explanation. When I contacted the bank, I was informed that the decision had been made by their back office, but no specific reason could be given. I opened this account in good faith because I needed it to manage my finances, including paying my rent and renters insurance. The sudden closure without transparency has caused significant stress and hardship, as it is now delaying my ability to make important payments. I did not engage in any fraudulent or improper activity and used the account responsibly, which is why I am requesting a clear explanation for this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-03-11 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:
On XXXX XXXX XXXX multiple transactions totaling approximately {$1300.00} were made from my Cash App account to the merchant XXXX through XXXX XXXX. These transactions occurred between approximately XXXX XXXX and XXXX XXXX. I did not authorize these transactions. They were initiated by my XXXX XXXX child who accessed my phone while I was asleep and used the XXXX application to make deposits and XXXX. I discovered the activity on the morning of XX/XX/2026 and immediately reported the transactions through Cash App and submitted a dispute for unauthorized transactions. XXXX later confirmed the activity involved a XXXX and closed the account due to underage gambling. Cash App completed its investigation on XX/XX/2026 and denied the dispute. Their determination stated that the transactions were authorized because the device used to make the payments was in my possession and the payments were processed through XXXX XXXX. However, the transactions were initiated by a XXXX without my knowledge or permission. A XXXX does not have legal authority to authorize financial transactions or gambling activity. Under the Electronic Fund Transfer Act and Regulation E, these transactions meet the definition of unauthorized electronic fund transfers because they were initiated without my authorization. I am requesting that Cash App reopen the dispute and conduct a proper investigation consistent with federal consumer protection laws. I requested the documentation and evidence Cash App relied upon in denying my dispute, including the records used to determine that the transactions were authorized. Specifically, I requested the investigative findings, transaction records, and any information showing how Cash App concluded that the transactions were authorized despite being initiated by a XXXX without my consent. Cash App responded by sending a summary of the transactions and stating that the transactions were considered authorized because the device used was in my possession and the payments were made through XXXX XXXX. However, the response did not address the fact that the transactions were initiated by my XXXX child without my knowledge or permission, which under the Electronic Fund Transfer Act and Regulation E constitutes an unauthorized electronic fund transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, my autopay was set to make a payment for {$3200.00}. However, my account had just been closed. Despite this, WellsFargo processed the payment anyway. I then called to have the payment returned. I have called twice and spent hours on the phone and WellsFargo is unable to say when I will have my payment returned. During the first call they indicated they would direct deposit, but during the second call they were inconsistent and said I would receive a check, but couldn't say when the check would be mailed to me. This is completely unfair and unacceptable. I need my money now.

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 2026-03-11 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
There were multiple charges on my account and going back to XXXX XXXX of last year and I didn't know it I only found out recently when they took all of my money XXXX of dollars and I believe it's because I lost a phone back XXXX XXXX sometime and my information was in that phone which now I believe someone stole my phone I explained all this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I became aware of a rent debt account after reviewing my credit report. I had not previously received communication regarding this account and only discovered it when checking my credit. On XX/XX/XXXX at approximately XXXX XXXX I contacted the company to discuss the account and explore options to resolve or consolidate the balance. During the call, I spoke with a representative and explained that I was trying to negotiate or set up a consolidation/payment option to resolve the debt. The representative informed me that full payment was required and that no other options were available. However, when reviewing the companys website, it indicates that consolidation options may be available, but it requires an account number to proceed. Since I do not have an account number or access to the account details, I was unable to complete this process. When I asked the representative for assistance in obtaining the account information or exploring available payment options, I was told they could not assist me further, and no resolution or alternative was offered. At this time, I am formally requesting verification and validation of this debt, including documentation showing the original creditor, the amount owed, and proof that the company has the legal authority to collect or report this account. I am also requesting that the company provide the account number and full account details so I may properly review the claim. Until the debt is properly validated, I request that the company cease reporting this account as negative information on my credit report and correct any inaccurate reporting in accordance with fair credit reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NC

Complaint narrative:
Validation of Debt Request - CAPIOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Deceptive Financial Information and Refusal to Resolve by Best Buy Credit Services ( Citibank , N.A . ) What happened : I am filing this complaint because of deceptive marketing and false financial information provided by Best Buy Credit Services ( Citibank , N.A . ) representatives. Promotional Context : I participated in a Best Buy promotion ( spend over {$2000.00} outside of stores for a {$70.00} reward ). My purchases totaled {$2500.00}, including a major charge of {$1900.00} on XX/XX/2026 for XXXX XXXX. Deceptive Information : I spoke with an agent named XXXX, who explicitly told me that because of my excellent payment history, I had " 0 % interest and an indefinite period to pay '' for the {$1900.00} balance. I asked him to confirm this more than four times, and he repeatedly assured me this was a special reward for my loyalty. I relied on this official guidance to manage my finances. Management Refusal : Today, I spoke with a manager named XXXX ( ID : XXXX ). Despite explaining that I was misled and felt deceived by the previous agent 's promises, XXXX was completely unhelpful. He stated there was " nothing that could be done '' and offered no solution, effectively forcing me to pay the full balance immediately to avoid high interest, ignoring the verbal agreement made by his own staff. Attempt to Resolve : Out of desperation, I called the XXXX-speaking customer service line. A female agent there was finally willing to listen and opened an official case for me : Case Number XXXX. However, because the management ( XXXX XXXX previously refused to take responsibility for their misinformation, I no longer trust their internal process. Desired Resolution : Audit Call Recordings : Specifically the call with Agent XXXX to verify the 0 % interest promise. Corrective Action : Honor the 0 % interest rate or provide a 12-month deferred interest plan to correct the misinformation provided. Reward Credit : Immediately credit the {$70.00} reward for the external spending promotion. Waiver of Interest : Ensure no interest is charged on this balance due to the bank 's own conflicting and deceptive instructions.

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 2026-03-11 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: MD

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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I obtained financing through OneMain Financial in XX/XX/XXXX for the purchase of a vehicle in the amount of {$21000.00} at approximately 29.40 % APR. In XX/XX/XXXX, the loan was refinanced at approximately 27.07 % APR. The refinance did not provide additional principal beyond rolling the existing balance forward. At the time of origination, I understood that I was entering into an auto loan secured by the vehicle. However, the account is reported on my credit report as a personal loan rather than an auto loan. This classification was not clearly disclosed to me at the time of origination or refinance. I believed I was financing a traditional auto loan product, not a personal loan product secured by a vehicle. I am requesting review of whether the product type and disclosures were presented clearly and accurately at origination. Since origination of this loan, I have made approximately twelve payments under the original agreement and approximately thirty to thirty-six payments under the refinance agreement at approximately {$670.00} per month. Based on these figures, I estimate that I have paid between {$28000.00} and {$32000.00} toward this obligation. Despite having repaid an amount that exceeds the original principal financed, my current payoff balance remains approximately {$22000.00}. The structure of this loan, including high APR, interest allocation, capitalization of deferments added to the back of the loan, and the refinance structure, has resulted in minimal principal reduction despite several years of substantial payments. In XXXX, during a documented period of financial hardship that included separation, relocation to Arizona, and reduced income, I made a good faith offer to settle the account in full for {$15000.00}. This offer was declined without meaningful hardship review. Additionally, I have received repeated collection calls, including multiple calls within a single day. I am requesting regulatory review of the following : Product classification and disclosure at origination Payment allocation and amortization structure Refinancing practices and balance roll-forward Capitalization of deferred payments Collection communication frequency Given that I have repaid significantly more than the original principal advanced, and that the current collateral value of the vehicle is substantially lower than the loan balance, I am seeking a fair and equitable resolution, including voluntary surrender with waiver of any deficiency balance. I am requesting assistance in ensuring this matter is reviewed for compliance with applicable consumer protection standards and clear disclosure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting a complaint regarding a collection account being reported on my credit report in the amount of {$490.00}. The account is being reported under inconsistent and unclear identifying information, including the names XXXX XXXX XXXX and Online Information Services. The reporting of this account appears to be inaccurate and incomplete. The tradeline does not clearly identify the true original creditor, and the account is being displayed under multiple names that appear to reference a collection agency rather than the original creditor responsible for the alleged debt. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information and credit reporting agencies are required to ensure that all information reported to consumer credit files is accurate, complete, and verifiable. Reporting inconsistent identifying information regarding the creditor and failing to clearly identify the original creditor prevents me from verifying the legitimacy of the alleged debt. Additionally, I have not been provided documentation identifying the true original creditor, the nature of the alleged debt, the account agreement, or documentation showing that I am legally responsible for the balance being reported. The tradeline also does not provide sufficient information demonstrating how the balance was calculated or when the alleged account became delinquent. Because the information being reported is inconsistent and incomplete, I believe this account may be inaccurately reported and not properly verified. I am requesting that this account be thoroughly investigated to ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX To : DriveTime Customer Service XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Request to Adjust Account Balance to {$0.00} Due to Improper Repossession Dear DriveTime Customer Service , I am writing regarding my auto loan account [ XXXX ] for the vehicle [ XXXX XXXX XXXX XXXX MY vehicle was repossessed despite my willingness and ability to make payments. I have documentation showing that I was attempting to pay and resolve the account in good faith. Due to the improper repossession and lack of cooperation from DriveTime, I request the following : Adjust the account balance to {$0.00} immediately. Ensure that all credit reporting related to this account is accurate, including removing any delinquency or late payment reporting resulting from this improper action. Provide written confirmation that the balance has been corrected and the account reported accurately to all three credit bureaus. I expect this matter to be resolved promptly and look forward to receiving written confirmation. Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I initiated a wire transfer from my account at XXXX to my account at XXXX. However I directed it to a XXXX digit account # at XXXX that had XXXX of the XXXX digits in error - an error I made in inputting the numbers. This was initiated on XX/XX/XXXX in the amount of {$1000.00}. On XX/XX/XXXX after not seeing this amount in my XXXX account, but seeing it withdrawn from my XXXX account I contacted both financial institutions to ask where the funds were. I obtained a secure message from XXXX detailing the Domestic Wire XXXX the Debit information ( XXXX ) and Beneficiary Information ( XXXX XXXX ) and their Bank Information ( XXXX XXXX XXXX ) I received acknowledgement of the issue from XXXX in email from them on XX/XX/XXXX and then on XX/XX/XXXX that they were unsuccessful in recovering the funds that are sent to another account. In addition, several phone calls occurred with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: FL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * 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 ) XXXX, 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 XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
XX/XX/XXXX Re : Credit Report Dispute To Whom It May Concern, My name is XXXX XXXX and I am writing to dispute inaccurate and unverifiable information appearing on my credit report. Consumer Information XXXX XXXX XXXX Kit Circle Moncks Corner, SC XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX I am disputing the following account : NCB XXXX XXXX Collection Account Balance : {$10000.00} Opened : XX/XX/XXXX This account appears to be inaccurate, incomplete, and potentially unverifiable. Under the Fair Credit Reporting Act 611 ( 15 U.S.C. 1681i ), I request a reasonable reinvestigation of this account. Under 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Under 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or have reason to believe is inaccurate. Please provide verification including : A copy of the original signed agreement Proof of assignment or ownership of the alleged debt Complete payment history and account ledger Documentation verifying the Date of First Delinquency Evidence of compliance with Metro 2 reporting standards Additionally, under the Fair Debt Collection Practices Act 1692g, the alleged debt must be properly validated. If this account can not be verified within the reinvestigation period required by law, it must be permanently deleted from my credit report. Please send written confirmation of the results of your investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation