vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Follow up on prior incorrectly closed claim XXXX Sofi thru XXXX offered a promotion on XX/XX/year> for new checking account and XXXX $ direct deposit that a XXXX $ bonus would be paid out following the direct depost. the new account was created on XX/XX/year> and direct deposit was made, it was supposed to be paid in 25 calendar days of opening and was not. 

I am providing the shopping trip evidence from XXXX to SOFI banking corroborating that i claimed the offer and signed up for SOFI through XXXX. All you have to do is match timestamps date/time on when my SOFI account was opened and you will see it was processed through the XXXX site/link within the same timestamp. I will be submitting a new claim with this evidence for you to investigate. I will also be submitting a small claims court case in 30 days if not paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/year> I was trying to deposit money in the ATM machine at XXXX XXXX XXXX in XXXX PA in the strip district I can not deposit the money into the ATM. It kept rejecting my deposit so I went into the branch and asked for one that the employers to help me deposit the money I was trying to deposit {$800.00} in total and the employer told me that I was depositing too many bills at once so we broke the deposit down into two we deposited {$600.00} and then we try to deposit the other {$200.00} and it rejected the deposit and only gave back {$200.00} and the employer at XXXX XXXX XXXX was the one that was deposit in the money for me I have a receipt from that day that doesnt show no deposit but a time I also spoke with the manager from XXXX XXXX XXXX and thats been going on for over three months. I found a claim with Navy Federal credit Union. They said they did investigation and it came back that the ATM machine was not have any extra cash. They credit me the money and then they took the money back based off their investigation, this been going on since XXXX, and if you could call and speak to the XXXX XXXX XXXX employee, and he was the one that was trying helped me deposit the money into the ATM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

The details of the fraudulent account are as follows : Creditor Name XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened Transunion XX/XX/year> and Equifax XX/XX/year> Amount : {$1300.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary.

I expect your investigation and response within the required 30 days. 

Sincerely, 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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I am disputing a debt reported by Southwest Credit Systems.

1. I do not recognize this debt and believe it is not mine.

2. The amount reported is incorrect.

I am requesting that this account be investigated and corrected or removed from my credit report. I have also submitted a dispute directly with the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear CFPB Investigator, I am submitting this formal complaint to request your assistance in investigating and correcting inaccurate, unverifiable, and improperly reported debt collection accounts that are currently damaging my credit report.

Despite multiple attempts to resolve these matters directly with the credit bureaus and collection agencies, the negative items remain reported without proper verification, in violation of federal credit laws.

Violations Include ( but are not limited to ) : 1. Failure to Properly Verify Debts Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to conduct a reasonable investigation and provide accurate, complete, and verifiable data. The collection agencies reporting these accounts have failed to provide proper validation when requested.

2. Reporting Inaccurate or Incomplete Information Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. The accounts in question contain inaccurate balances, dates, and/or ownership information.

3. Unlawful Collection Practices Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must cease collection and reporting if validation is not provided. These agencies continued reporting without lawful validation.

4. Re-aging and Improper Reporting Some accounts appear to have been re-aged or reported with incorrect dates, which is prohibited under FCRA 1681c ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
Collections Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Re : Formal Complaint Unauthorized Communication and Incorrect Debt Attribution Reference No. : XXXX On XX/XX/year>, I submitted written correspondence disputing this account and clearly stating that the alleged debt does not belong to me. The debt was incurred by another individual who is not authorized on my account, and I have no legal or financial responsibility for it. 

Despite this, I received a response from your company offering payment terms and requesting enrollment in auto-draft, rather than addressing the dispute itself. This response is inappropriate and concerning, as it disregards my notice that I am not the debtor and continues collection efforts against the wrong party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OR

Complaint narrative:
Company Being Complained About Block , Inc. ( Square ) Product or Service Payment processing / Merchant account services Issue Funds withheld / account closed without explanation Complaint Narrative I am filing this complaint regarding Square ( Block, Inc. ) withholding my business funds for 180 days following an account deactivation, without providing specific justification, evidence of wrongdoing, or an opportunity to remediate. 
On XXXX XXXX 2026, Square informed me that my account was permanently deactivated and that any funds in my account balance would be held for 180 days due to security concerns. Square has refused to provide any individualized explanation, citing internal policies and card network obligations. 
The funds being withheld are from legitimate, completed transactions for services already rendered. At the time of deactivation, there were no known chargebacks, disputes, refunds, or customer complaints associated with my account. Despite this, Square is holding my earned funds until late XX/XX/year>, creating significant financial hardship. 
Square has stated that its decision is final, has declined to identify the specific risk factors involved, and has not provided a meaningful appeal or review process. This lack of transparency and prolonged withholding of funds raises concerns regarding unfair and abusive account practices. 
Square suggested that I refund customers and ask them to repay me via another method ; however, this is impractical and unreasonable, as services have already been completed and funds were properly processed through Squares platform. 
I have requested escalation, clarification, and consideration for early or partial release of funds, as well as confirmation of whether any disputes or fraud claims exist. Square has not provided a substantive response to these requests. 
What I Am Requesting as Resolution Immediate review of my account by Squares Risk or Compliance team Written confirmation of whether any chargebacks, disputes, or fraud claims exist Clear explanation of the specific policy or risk factors used to justify the fund hold Consideration of an early or partial release of funds, given that services were completed and no disputes are present A fair and transparent appeal process I believe Squares actions constitute an unfair withholding of earned funds without adequate explanation or due process, and I am requesting CFPB assistance in obtaining transparency and release of my funds. 
Desired Outcome Release of withheld funds or a materially justified, documented explanation with an opportunity to appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: AL

Complaint narrative:
BOUNCE AI is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI 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 explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XXXX XXXX,2025 - I requested PayPal to issue a check for balance of {$690.00}. They withdrew the money the same day and as of XXXX XXXX,2026 the check hasn't been issued. 

I created a help support ticket and even called them back XX/XX/XXXXXXXX/25 and again on XXXX XXXX, 2026. They claimed in XXXX that it is within their processing window and in XXXX they were unable to prove that a check was mailed either. 

More than 2 months on, they still haven't mailed my withdrawal check. Unbeleivable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing in reference to capital one credit card numbered XXXX. This card has been closed due to fraudulent charges, which have been taken care of and settled. The problem I have with this capital one card is that I have been issued late fees and interest charges referable to the fraudulent charges, which have been taken care of. At the time of the closing of this card, I was still being charged approximately {$130.00} in late fees and interest. Why should I pay accruing interest and late fees on a credit card for charges that were fraudulent? I do not owe any balance on this card, and I do not owe any late fees or interest charges as told to me by capital one. 
I do not want these late fees and interest charges charged to me and put on my credit reports. I want this credit card cleared down to a XXXX  balance, including interest and late fees. Why should I be held responsible for any fees or interest associated with a fraudulent charge? 
Please see two at the capital one removes any money owed whatsoever, on this credit card. Capital one has refused to remove these charges. Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 2025, I began noticing multiple credit accounts and transactions listed under my name with XXXX that I did not open, authorize, or benefit from in any way. I have never applied for these accounts, provided consent for their creation, nor received any goods or services associated with them. 

These fraudulent accounts were discovered while reviewing my credit reports. Upon identifying them, I immediately recognized that my personal identifying information had been used without my knowledge or permission. 

I did not share my Social Security number, date of birth, or other sensitive personal information with any individual or entity that would have authorized these accounts. I have no personal or business relationship with the merchants tied to these transactions. 

The presence of these unauthorized XXXX accounts has caused financial harm, emotional distress, and damage to my credit profile. I am taking immediate action to report this identity theft, dispute the fraudulent accounts, and prevent further misuse of my identity. 

I respectfully request that all fraudulent accounts, inquiries, and associated balances be removed from my credit reports and that any investigation confirms these accounts were opened without my authorization. 

I affirm under penalty of perjury that the information provided in this report is true and correct to the best of my knowledge.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am writing to formally dispute the current restriction placed on my business checking account ending in * XXXX. My business depends on these funds for daily operations, and the current lockout is causing significant financial disruption. 

The Situation : My account was recently restricted based on the claim that my spouse was added to my business account. This is factually incorrect. I am the sole owner of this business and have never authorized the addition of any other signers or beneficial owners to this specific account. 

Key Points of Dispute : Triggering Event : This restriction occurred immediately after my wife applied for a personal credit card. This personal application is entirely separate from my business entity and should have no bearing on my business checking account. 

Contradictory Logic : The bank has claimed this is based on an " old application. '' This is illogical ; this account was successfully opened and has been maintained for several years without issue. If there were a problem with the original application, the account should never have been opened years ago. 

Documentation : I have already faxed the requested information regarding my spouse to clarify her identity, but this was for verification purposes only. It was notand should not be interpreted asan authorization to add her to my business account. 

Required Action : I request that you immediately remove all restrictions from account * XXXX. If there is a specific document you believe grants her access to my business, I demand to see a copy of that authorization, as I have never signed such a document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: CT

Complaint narrative:
I am filing a complaint against this debt collector PLAZA SERVICES for illegal re-aging and false credit reporting in violation of the FCRA and FDCPA. 

The collector has repeatedly reported payment activity and updated account dates to artificially keep this debt appearing current and within reporting period. 

I have disputed this account in writing via certified mail, requesting validation and proof of the alleged payment activity being reported. The debt collector failed to provide any proof of payment. 

I have also disputed this account with the credit bureaus. The bureaus has deleted the account do to inaccuracies, yet the collector continues to re-report the same inaccurate information, which strongly indicates will re-aging. 

This conduct is misleading, deceptive, and constitutes false representation of debts status. I am requesting the CFPB require the collector to : 1. " Cease inaccurate reporting immediately '' 2. " Permanently delete the account from all credit bureaus ''.

3. " Correct any internal records related to this account '' I am documenting this complaint as part of my record prior to pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
From XX/XX/year>, through XX/XX/year>, my Capital One 360 Checking debit cards failed to function at all major ATM networks in XXXX and XXXX, XXXX ( including XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  ). This occurred despite each ATM displaying the Mastercard/XXXX logos and explicitly accepting international cards. 

Prior to travel, I contacted Capital One to confirm my itinerary and verify that my debit cards would be functional for international cash withdrawals. I was assured by multiple representatives that I would have full access. When the cards failed, I contacted Capital One from XXXX to troubleshoot. The bank was unable to identify or resolve the issue, resulting in significant international calling charges and a total lack of access to my liquid funds. 

Due to Capital Ones inability to provide the promised debit access, I was forced to use a Capital One XXXXXXXX XXXX XXXX XXXX XXXX Visa network ) for cash advances. Despite the high costs associated with credit card cash advances, this was my only means of obtaining enough local currency to give me more time to find another financial solution. Capital One completely failed to provide the service they confirmed would be available, causing significant fees and financial and emotional XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

Complaint narrative:
I am writing to report multiple instances of identity theft and fraudulent activity discovered on my credit report as of XX/XX/year>. 
On XX/XX/year>, while reviewing my [ XXXX ] credit report , I identified several accounts and inquiries that I did not authorize. Specifically, an apartments lease was signed in my name at the apartments located at XXXX XXXX XXXX XXXX, TX XXXX even though I have never resided there Additionally, a collection of t mobile, XXXX XXXX XXXX XXXX, COLUMBIA DEBT RECOVERY, XXXX XXXX XXXX XXXX. I did not, sign this lease, or make these purchases. I have no relationship with these creditors and have not received any of the goods or services mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief