vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/year> Navy Federal Credit Union restricted my account access to my checking and savings accounts due to XXXX transactions i received being flagged as suspicious activity. Prior to that i received funds transfers from a trusted sender/friend about a week beforehand. I contacted the financial institution to get clarity on what had took place with my accounts. I was asked questions about the XXXX transfers to confirm if they were in fact sent to me correctly or in error, i informed the representative they were sent to me correct. The sender sent me funds through XXXX as that was the only way we had mutual that would work for both of us. It was written in the for section of the transfer as gift. Noted that it was for me and not sent for any products or services as i do not sell anything. The senders account/card had something happen the same night that he sent me funds through XXXX that he had to report to his banking institution. They closed his card out allegedly. After i contacted him he had to go inside of his bank to speak with someone and he informed the associate that the funds sent to my XXXX account was in fact accurate and he did do those transactions prior to the incident that took place with his account. We both were advised they would contact Navy Federal Credit Union and straighten it out and advise them of that to get my accounts unlocked. In the meantime i filed an appeal with Navy Federal making a statement and requesting them to do further research. Navy federal credit union disregarded my appeal and denied it stating that my accounts would remain restricted and would be closed out after a certain amount of time. This has been a huge inconvenience for me to even be able to take care of my bills with the credit union and even caused me to have to travel XXXX hours ( XXXX hour there to a branch and XXXX hour back to get home ) in order to have my funds released out of my accounts to my loan account i have with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
Okay I'm sending in a complete XXXX file of my transaction history for my entire account the whole time I've been with cash app every thing that was ever done on my account I'm sending them a XXXX formatted file and I'm also going to send my three banking statements for XXXX and XXXX and of XXXX and my XXXX statement for XXXX and show you that cash app altered all three of these banking statements for those 3 months to try to cover up the fact that they sent my money back that I won on a dispute illegally and try to cover it up by changing my transaction history and also changing my dispute history as well. This complaint is to address cash out altering my account statements to cover up their crime that they did for my dispute I'm sorry let me rephrase that the main one that they changed was the month of XXXX so I'm only able to send the XXXX one because they've cut my online access off and they got it to where I can't call them or message them anymore so just pay attention to the month of XXXX statement that I send that they altered every single transaction on there and it does not match my whole account history that I'm sending as well thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Someone used my information to make a purchase in my name. Under FCRA code 602,607 I am requesting immediate deletion of this information thats added to my ftc report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone opened an account and applied for a loan with truist and XXXX  by truist with all of my information. I didn't not do any of this activity. The company is being less than prompt responsive nor helpful with getting this identity theft and fraud issue handled properly and timely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: U.S. BANCORP
State: MA

Complaint narrative:
I am filing this complaint against U.S. Bank for failure to honor activated merchant rewards and deceptive marketing regarding their " Bonus Day '' promotion ( XXXX XXXX XXXX XXXX. 

Historical Context : On XX/XX/year>, I successfully redeemed 10 % cash back offers for XXXX XXXX and Instacart. Shortly after, U.S. Bank issued the exact same 10 % offers to my account again. I activated these new offers and timed my purchases to coincide with the " Double Cash Back Bonus Day '' event. 

The Transactions : XXXX XXXX : {$230.00} ( In-store, XX/XX/year> ) Instacart : {$100.00} ( Online, XX/XX/year> ) The Dispute : U.S. Bank has denied {$66.00} in rewards ( {$33.00} in base 10 % offers and {$33.00} in Double Day bonuses ). The bank claims the transactions did not " post '' by XX/XX/XXXX. I am contesting this denial on three grounds : Failure to Honor Base Rewards : Even if the " Double Day '' bonus is disputed, the primary 10 % merchant offers were activated and valid on the date of purchase. The bank has withheld even the base {$33.00} in rewards, which is inconsistent with my successful redemption of the same offers earlier that month. 

Deceptive " Post Date '' Requirement : Marketing a " Bonus Day '' window for shoppers while secretly requiring a " Post Date '' is a bait-and-switch tactic. Consumers can not control when a merchant settles a transaction. Requiring a charge to post within XXXX hours effectively voids any purchase made on the final day of the promotion. 

Unfair Trade Practice : Tying a financial benefit to third-party processing speeds, without clear and conspicuous warning that " Transaction Date '' is insufficient, is a deceptive practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am filing a formal complaint regarding Chases failure to refund a credit balance of approximately {$4400.00} on my credit card account. I have contacted Chase by phone three separate times and have been given inconsistent and conflicting information each time, with no resolution. 

I made a duplicate payment on my credit card for the month of XXXX because the mobile app provides NO way to check a pending payment AND at XXXX XXXX  there was no charge against my bank account. I was worried that my payment was going to be late, so I made a {$5200.00} payment on the due date. I immediately called the customer line and they said they could not reverse the payment until it posted on my bank. I called immediately when the charge posted and was given yet another story that the money would be refunded in 7 days. This did not happen and after I called today, was given another run-around that I needed to accept an email approval which never came. 

I am filing a formal complaint regarding Chases failure to refund a credit balance of approximately {$4400.00} on my credit card account. I have contacted Chase by phone three separate times and have been given inconsistent and conflicting information each time, with no resolution. Chase has repeatedly changed its stated process for issuing a credit balance refund and has failed to provide written confirmation, a clear timeline, or a consistent procedure. I am requesting immediate return of my funds, written confirmation of the refund method and timing, and assurance that the refund will be issued without requiring account closure. This situation reflects a breakdown in Chases internal controls and is causing unnecessary delay and frustration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am submitting this complaint regarding the handling of my Wells Fargo credit card account and the conduct of a customer service representative during two related calls. 

On XX/XX/year>, I contacted Wells Fargo by telephone to obtain access to my credit card account. At that time, I did not yet know that my credit card was lost ; I believed it may have been misplaced. I did not have the card number available, but that should not have prevented reasonable assistance or identity verification through alternative means. 

The representative I spoke with identified herself as XXXX XXXX. She was unresponsive and did not assist me in accessing my online account. I requested to speak with a supervisor. XXXX XXXX stated she would escalate the issue but did not explain what escalation meant, who would follow up, or whether I would be contacted. No follow-up occurred. 

On the following day, after confirming that the credit card was in fact lost, I called again to report the loss and request replacement cards. The same representative answered the call but identified herself this time as XXXX. During this call, the representative abruptly terminated the call without resolving the issue and without calling back. 

This conduct occurred in the context of a lost credit card, which requires prompt and careful handling to protect the consumer from fraud and unauthorized charges. Being denied assistance, receiving vague statements about escalation, and having a call terminated without resolution prevented me from timely securing my account. 

Because the card was lost, I am unable to provide the credit card number. However, I am fully available to verify my identity using other standard methods. 

I am requesting that Wells Fargo : Confirm that the lost card has been canceled and replacement cards issued ; Confirm that I am protected from any unauthorized charges ; Review the conduct of the representative involved; and Provide a written response addressing this complaint. 

I am submitting this complaint because my attempts to resolve the issue directly with the bank were unsuccessful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Requested documents showing accurate information in the contract I have with them and to show it belong to me and was told no and refuse to provide requested information. Was threatened and told they were going to file a lawsuit against me and it would not come off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, XXXX, and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. They knowingly reported inaccurate and unauthorized information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX is reporting a medical collection that appears only on XXXX and not on XXXX XXXX XXXX This inconsistency violates the FCRAs accuracy requirements. XXXX has not provided itemized billing, proof of insurance processing, or proof of ownership. Reporting medical debt without proper documentation violates the CFPB medical debt rules. The account is unverifiable and inaccurate. 
Violations Alleged FCRA : 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( furnisher duty to report accurate information ).

FCRA Reinvestigation : 15 U.S.C. 1681i ( failure to conduct reasonable reinvestigation and delete unverifiable information ).

FDCPA : 15 U.S.C. 1692g ( b ) / 1692e ( 2 ) ( A ) ( failure to validate ; misrepresentation of amount/ownership ).

CFPB Medical Debt Rules : failure to follow medicaldebt documentation and insurance adjudication requirements. 

Facts Account reported only on XXXX as a medical collection for {$2200.00}. Not reported on XXXX XXXX XXXX 

No itemized bill, no proof of insurance adjudication, and no chain of custody or bill of sale provided by the furnisher. 

I disputed the item with the bureau and requested validation ; the furnisher and bureau failed to produce the required documentation, and the item remains in my file. 

Why This Violates the Law Furnishers and CRAs must ensure maximum possible accuracy ; singlebureau reporting with no supporting documentation is inherently unverifiable and therefore must be corrected or deleted.

Under 15 U.S.C. 1681i, the bureau must reinvestigate and delete any item it can not verify within the statutory period. Failure to do so is a 1681i violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
A Capital One credit card account was opened in my name without my authorization. I did not apply for, sign, or consent to this account. My spouse used my identity without permission. XXXX does not create contractual liability. 

Despite disputes, Capital One charged off the account and continues to report a {$1200.00} balance without providing any signed application, agreement, or proof of authorization. I am 100 % XXXX and did not incur this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
In XXXX  they limited my account with XXXX dollars in it. I had never had the chance to even use my PayPal account they froze it immediately after I had the deposit made. They only thing I've ever been told was that I never used PayPal before so the fact that I had a XXXX XXXX dollar deposit with no background use with them it set the algorithm off and to 180 days to get my funds back that was 5 years ago with absolutely no help and refusal of funds transfer and told they can not tell me why they won't release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I have an auto loan through Westlake Financial. I have been trying to contact a person since XX/XX/year> to have help logging into my account to make a payment. I only get a lady through email that tells me steps to do and it doesnt work. I cant make a payment on the number provided as it tells me cant make a payment at this time. I have called other numbers and still nothing. I have numerous emails and calls to prove me trying to resolve this. My payment is due XX/XX/year> and havent way to make it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Good Afternoon, I am reopening my complaint because Bridgecrests prior response did not resolve the issues raised.

Bridgecrest failed to provide a complete loan accounting and did not address how repeated extensions increased my loan balance despite continued payments. Their response relied on generic statements and did not explain how interest, fees, or extensions were applied over time.

The vehicle securing this loan is worth approximately {$3500.00}, yet the balance remains significantly higher due to excessive interest and servicing practices. I was encouraged to take extensions during hardship without clear disclosure of long-term financial impact.

I dispute Bridgecrests claim that this matter is resolved. I am requesting CFPB assistance in obtaining : A full loan accounting Clear disclosure documentation regarding extensions Review of potentially unfair or abusive servicing practices A good-faith resolution or settlement discussion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
Credence resource management. Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your Claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you Please also be aware that any negative mark found on my credit report with XXXX  from your company or any company that you represent, for a debt that I don't owe, is a violation of the Ear Debt Collection Practices Act FDCPA 807 ( 15 USC 19620 ), therefore, if you can not va date the debt, you must request that all credit reporting agencies delete the entry Pending the outcome of my investigation of any evidence that you submit, you are instructed to take any action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of the certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for 1 ) Defamation 2 ) Negligent Enablement of identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fal : Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my arca. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to connect your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Your name : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Best Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit karma froze my account and I called to get my account unlock and they are refusing to help me and I am possibly at risk of being homeless because I cant access my funds to pay my rent all they continue to tell me is wait in a email that never comes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am disputing an alleged debt of {$2400.00} from XXXXXXXX XXXX XXXXXXXX ( Account # XXXX ) being collected by Columbia Debt Recovery/Genesis . I initiated contact to dispute this debt on XX/XX/XXXX, and followed with a formal written dispute on XX/XX/XXXX. 
XXXX The collector violated my rights in the following ways : XXXX * Failure to Validate/Investigate : Under Texas Finance Code 392.202, the collector was required to investigate and respond to my dispute within 30 days. They ignored my dispute for 134 days, only responding on XX/XX/XXXX. 
> * Illegal Credit Reporting : The collector reported this disputed and unverified debt to my credit report in XX/XX/XXXX before completing their investigation or providing the required validation, which is a violation of the FDCPA. 
XXXX * Material Breach of Lease : The debt is invalid because I was constructively evicted due to management 's failure to address documented safety threats, including harassment, unauthorized occupants, and an aggressive animal, all of which I reported starting in XX/XX/XXXX. 
> I request the immediate and permanent deletion of this trade line from all credit bureaus. 
Immediate and permanent deletion of this trade line from all credit bureaus ( XXXX, XXXX, and XXXX  ) and the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
I am currently being sued locally by Evergreen Financial Services Inc. without any contact since an issue arose from them calling my gf who is not on any of my accounts for medical other then emergency contact. They called her at home and engaged in a heated conversation and disclosed all information about debt to her without confirming her identity other than her name. She asked if there was a mistake and if the bill was mistakenly for my XXXX XXXX XXXX XXXX  son in which they requested to speak to him. They are unprofessional and when I made contact regarding this being against the law they brushed it off as it was not an issue and requested payment. I informed them I was already in a agreement paying off another debt collection company and have not hear any contact by phone, mail, etc since the incident and was served papers yesterday for my local county court.

Company response to consumer: Untimely response