vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding NetSpend All-Access and their handling of my account and federal benefit funds. 

I am a customer of NetSpend for over 20 years. Recently, unauthorized transactions occurred on my account. NetSpend later issued a confirmed credit ; however, instead of returning the funds to my available balance, NetSpend applied the credit internally to other cards/accounts without my authorization. 

These funds consist of federal benefits ( XXXX ), and I did not consent to any reallocation or offset of the credited amount. Despite multiple calls, NetSpend has failed to provide a clear explanation, trace number, or documentation showing where the funds were deposited or why they were applied in this manner. 

I have repeatedly requested : A full accounting of the credited funds The transaction or trace ID An explanation for why the funds were not returned directly to me NetSpend representatives have either placed me on extended holds, disconnected calls, or provided inconsistent information. I believe this may constitute improper handling of federally protected benefit funds.

I am requesting CFPB assistance to : 1. Require NetSpend to provide a full accounting and trace of the credited funds 2. Ensure the funds are returned directly to my account 3. Review NetSpends handling of federal benefit deposits in this matter Thank you for your time and assistance. 

Sincerely, 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 2026-02-10 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: TX

Complaint narrative:
I am disputing the reported information regarding charged-off accounts and inquiries. These accounts contain errors and should be reviewed for accuracy to comply with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2900.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Late Payments : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Hi! 
My name is XXXX XXXX & I recently got a XXXX XXXX XXXXXXXX back in XXXX. Since purchasing that vehicle, I have only driven it maybe XXXX weeks max & then it has been at the dealer ever since. I am paying {$700.00} a month for a newer truck that i have only been able to drive for a short period of time. To this day, i do not has my vehicle as it is still in the dealer waiting for a new transmission. When i bought the vehicle, i was never told about any issues. After a week of owning it, it was brought to the dealer to be fixed. I have been driving a loaner car but still having to make monthly payments on my truck. i tried to contact Ally finance & they were unable to help me. I have no issues paying for a vehicle that I am able to drive but having to pay {$700.00} a month for a new truck that i barley got to drive is a little crazy. I'm asking for some type of help in either reimbursement of payments or not charging me at all until i get my truck back. My account number is XXXX. My cell number is XXXX. I will be happy to answer any questions you may have. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXXHello XXXXI opened my checking account (I dont know my account number) on XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  branch with the banker XXXX XXXXSince then, I cant access to my online banking using the user id and password set it on the branch. \nUser ID: XXXXSince I dont have XXXX  Im not abble to reset my credentials, and at customer service they cant help me without account number or SSN.\nAny idea how I can reset the password?\nTelephone number registered with the bankXXXX XXXX XXXX XXXXAddress registered: XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I disputed a {$530.00} Apple Card charge on XX/XX/year>. The account was paid in full. Goldman Sachs failed to mark the account as disputed and continued reporting negative information to the credit bureaus, causing a XXXX credit score drop.

This week Goldman Sachs reopened the dispute, then reversed it again without resolution, while still reporting me negatively. This is unlawful under the Fair Credit Reporting Act and the Fair Credit Billing Act.

I am demanding immediate deletion or correction of this tradeline, retroactive correction of my credit history, and compensation for the damage caused by inaccurate reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX I was at XXXX on XXXX XXXX XXXX trying to get {$100.00} cash out the ATM in the store and I never received a receipt or my cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Klarna AB
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, hold an account ( No : XXXX ) with XXXX XXXX and made a settlement payment of {$1100.00} towards my Klarna debt on XX/XX/XXXX. However, as of XX/XX/XXXX, this payment has not been reflected in my account. Despite XXXX XXXX ' assurance that my account was released back to Klarna in XX/XX/XXXX, my inquiry revealed that Klarna has yet to receive this documentation. This discrepancy raises significant concerns about the reliability of the information provided by both parties. My credit score has recently declined by XXXX points, primarily due to conflicting statements from XXXX XXXX and Klarna. XXXX XXXX claims that they returned my Klarna account to Klarna promptly after my settlement payments were completed ; however, Klarna asserts that they never received this account. This discrepancy has significantly impacted my credit standing. I have submitted all my PDF files related to my R.O.D letters ; however, Klarna continues to assert that the clearance process will take 90 days, a timeframe they also indicated back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXXI closed my checking account back in XXXX XXXX. There was residual balance XXXX in my account. I was told that the refund check will be mailed to my mailing address. However I never received it. I called the company (JP Morgan Chase), I was told that the check was issued on XXXX. The check number is XXXX. If the check was lost I need to mail the notarized letter for declaration of lost check to the address Mail Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I mailed it internationally on XXXX Then I called Chase multiple times to see if the notarized letter was delivered. I was told not after a couple months. So I mailed it again with tracking number (XXXX XXXX XXXX XXXX XXXX XXXX XXXX). Based on the tracking number the letter was delivered on XXXX. I continued calling Chase. However they kept telling me the notarized letter wasn't delivered and refused to reissue the check to me.XXXXIt's been almost a year but I haven't received the check from my closed account."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello, I am writing to inquire about the status of all accounts associated with my joint account : XXXX. On XX/XX/XXXX, a hold was placed on my account, as well as all of my other accounts with capital one. Of the XXXX accounts that were placed on hold, only XXXX of them are attached to both mine and my wifes debt. The other accounts are custodial accounts and should have been exempt from garnishment. As of XXXX, XXXX, XXXX, XXXX of the accounts are still showing a negative balance, with XXXX accounts having funds withheld. The amount being withheld exceeds the debt that was placed for garnishment. 

This garnishment was initially sent on XX/XX/XXXX, and was supposed to expire on XX/XX/XXXX. However, rather than expire, the levies and garnishment department updated my account on XX/XX/XXXX. It is my understanding that this hold is an illegal hold, as it should have been expired after XXXX  days from the date of the judgement ( XX/XX/XXXX ). Additionally, it is also my understanding that it is illegal to withhold 100 % of the amount, and that {$500.00} should have remained accessible to my family to cover expenses. Furthermore, it has been XXXX  days since the initial hold was placed and my funds should have been released back to me. 

On XX/XX/XXXX, I faxed over a court document stating the garnishment has been denied, and funds are to be released back to me. I have not received any communication from Capital One via certified mail regarding the garnishment, not in XXXX, and not since my accounts were put on hold. Its is my expectation that this matter be addressed promptly, as the court documents have been sent and I have confirmation of receipt of the fax as of XX/XX/XXXX. 

Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
XXXX  debt collection keeps calling me and messages me after I told XXXX  and asked them to send me the original contract for the money they say I owe XXXX? They keep contacting me and I have told several people the same thing? Calling me while I'm working and making me feel threatening like I'm going to be in serious trouble and hateful tones talking down to me about money I don't owe them? The company they are harassing me about XXXX, they sent me a new system ( still in the box ) never been used or opened a few months ago, and, had my phone with them until a few weeks ago and I don't owe them anything? I don't understand why they are harassing me and keep calling me and now sending me messages after I told sunrise to send me my original contract from XXXX? Because, I don't owe XXXX for anything and definitely don't owe this harassing and making my XXXX XXXX and credit report for money that I don't owe like I'm not going to pay for my bills .I have filed complaints with credit bureaus about this same thing and I feel like I'm being bullied because they want stop or send me what I have asked for several times.

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 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I have had this loan since XX/XX/XXXX, as a refinancing. It was for XXXX and was offered a payment extension to put at the end of the loan, for months I sent payments in and believe that some of it would go towards the principal, after months of it I checked and every payment has gone towards interest, so out of XXXX only XXXX has gone towards the principal amount. I sent them XXXX in XXXX months ( my payment is XXXX ) with a grace period of 10 days before interest payment r fees were applied, thats what the rep said, I asked for it in writing, they refused and said they cant send anything. So now they said I owe XXXX in interest, XXXX in late fees and I can send in the XXXX like I promised every XXXX weeks but it will all get to interest again. Exceter finance is a scam and even with that they said I now owe my regular payment of XXXX due on XX/XX/XXXX plus the XXXX for their fees again, I cant get ahead of this and there is no way to add a payment to the principal unless you call them and ask for a supervisor to decide if they want to do it or not. I love the vehicle, its a XXXX XXXX XXXX but it should be paid down lower by now and no place will refinance it or take it as a trade in because the balance isnt going down at all. We initially thought the refinance was with XXXX XXXXXXXX XXXX and exceter said that they bought the loan the next day from XXXX XXXXXXXX XXXX had we known that we wouldnt have allowed us to get in this mess with knowing how exceter just takes and takes money for this fee, that fee and interest. Its upsetting and we need to find a way out and need your help. They have pulled plenty of deceptive practices to more than just me and I really need help here. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2026-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am requesting assistance regarding a denied dispute involving unauthorized charges from XXXX on my Bank of America credit card. 

Bank of America denied my dispute citing consistency with past transactions. However, this determination does not reflect the full circumstances. I explicitly revoked authorization for this merchant and contacted Bank of America to request that the merchant be blocked. Despite this, additional charges were processed after authorization was revoked. 

These transactions were not approved or authorized by me and occurred after I took steps to stop further charges. Any transactions processed after authorization was revoked should be considered unauthorized. 

I would also like to note that a former spouse previously had access to this account, which I believe explains the historical transaction pattern referenced in the denial. That access no longer exists. Charges occurring after revocation should not be evaluated based on historical usage tied to a different access arrangement. 

I am requesting that Bank of America reconsider this dispute under the framework of unauthorized transactions occurring after authorization was revoked, rather than relying on prior transaction history. 

I am seeking correction and appropriate credit for the disputed charges and a clear explanation of how charges were allowed to continue after authorization was revoked.

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 2026-02-10 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have been in contact with the institution 6 times since I saw the unauthorized transactions on XX/XX/XXXX. Filed a claim. They missed charges. Called back. Said it was all done. Now I have a charge that appears to have been omitted from the claim even though I specifically mentioned it. I now have a payment due on this. Not my charge. Tried to call yesterday. Disconnected twice. No callback. Hours and hours spent on something relatively simple and its clear someone obtained my card info. My husband works for a financial institution and has never seen anything like this. This needs to be resolved and your internal processes evaluated. The charge is from XXXX for approx XXXX 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 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: I.C. System, Inc.
State: RI

Complaint narrative:
IC System , Inc. is reporting a collection account on my XXXX, XXXX, and XXXX  credit reports for {$1400.00}, allegedly related to XXXX XXXX XXXXXXXX. The account is reported as beginning in or around XX/XX/year>. 

I disputed this account and requested validation because I do not believe IC System has provided proof that the debt is accurate or that they have legal authority to collect it. I specifically requested documentation showing how the balance was calculated, proof of assignment or authority to collect, and a copy of any agreement establishing my responsibility for the debt. 

IC System failed to provide proper validation of the alleged debt. Despite this, they continue to report the account to all three credit bureaus as a valid collection. Reporting disputed and unverified information has caused damage to my credit profile. 

By continuing to furnish this account without providing verification, IC System is failing to meet its obligations under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act to ensure the accuracy of information reported to consumer reporting agencies. 

I am requesting that this account be properly investigated, validated, and deleted if IC System can not provide legally sufficient documentation proving the debt is accurate and collectible.

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 2026-02-10 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: AZ

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation