vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app closed my account due to activity but did not specify what activity caused it to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
I reported IQ data in XXXX for an account that was fraudulent. Now today XX/XX/year> IQ data used my personal information to change my home address. My bank contacted me about the situation and I contacted XXXX. XXXX  told to file a fraud case with the FTC XXXX I was transferred to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am disputing an account placed with TSI for unpaid tolls. The original toll charges were {$800.00}, but TSI is claiming a total balance of {$9000.00}, due to additional fees and penalties that I believe are unreasonable and disproportionate. 
I have entered a payment plan in good faith to resolve the original debt, but the excessive fees make it nearly impossible to pay. I have requested that TSI remove the fees and allow me to settle for the original {$800.00}, but they have denied or not responded appropriately.

I am requesting that CFPB : Investigate the excessive fees added by TSI and ensure they comply with fair debt collection laws.

Require TSI to validate all fees and penalties in writing, including itemized charges, dates, and authorization for each fee.

Facilitate a resolution that allows me to settle the account for the original {$800.00} without the additional {$8200.00} in fees. 
I have attached supporting documentation, including : Toll statements showing the original charges Payment plan agreement with TSI Any correspondence with TSI regarding the fees I am committed to resolving this matter in good faith and wish to pay the legitimate portion of this debt promptly, but I need the excessive fees removed to do so. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Below is the e-mail I sent. I want to make a formal complaint about this misleading and coercive practice and the barrier it presents to reaching a customer service representative. I am filing a formal complaint regarding XXXX  XXXX XXXX implementation of forced prerecorded marketing solicitations on the XXXX credit card customer service line. ( XXXX ) XXXX When calling to address an account concern, I was forced to listen to a prerecorded hard sell marketing message without any meaningful option to opt out. Even after indicating I was not interested, the recording continued. Pressing XXXX did not connect me to a representative. The initial message repeatedly commanded " XXXX XXXX now '' which could be misleading to many customers and send them off into a product or service that they have no intention of accepting. 

Requiring customers to endure advertising before accessing account support is unacceptable. It is disrespectful of customers time and, in my opinion, constitutes a manipulative and coercive practice designed to obstruct access to account services. 

I have been a Bank of America customer for over XXXX  years with multiple personal and business accounts. This experience has seriously undermined my confidence in your institution. If this practice continues, I will close my XXXX credit card and move my banking relationships elsewhere. 

I expect a written response explaining : Why customers can not bypass prerecorded marketing messages Why pressing XXXX does not connect callers to a live representative What corrective action will be taken XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I contacted Fifth Third Bank to close out our banking account with them. Never once then on XX/XX/XXXX or after was i contacted by Fifth Third Bank either by. phone or mail. Then on XX/XX/XXXX I get a letter in the mail from Fifth Third Bank stating that my account is overdrawn {$160.00}. I called them that day to discuss this matter. XXXX the lady I talked to I always always write down who, what where and why when I talk to when its important. She said that my account showed it was not closed attempted and XXXX items were taken out of my account. So since there was no money in my account because I closed it, they charged me overdraft fees. I told XXXX that is impossible because my account is closed. She looked up my information and stated that there was no recorded from there end that I called and closed out my account. I told her well I never once received a phone call or letter from them saying that my account was still opened and I owe them money. She said that to close out my account that day is to pay the overdraft of {$160.00}. I told her I am not doing that because I closed out my account. Well she said that there is nothing more she can do for me then. After that I contacted the XXXX. Today XX/XX/XXXX I received a letter from them about my compliant I filed against them. There response was they apologies for the inconvenience. On this letter that is right here in front of me from Fifth Third bank states : regarding your concern about the account closure our records show that the last attempt to close the account occurred on XX/XX/XXXX. The account was successfully closed on that date. however, it reopened automatically on XX/XX/XXXX due to incoming activity. Once reopened the account remained active. They never contacted me to get person to reopen my account or tell me that it was reopened. So in his letter they offered to wave {$35.00} and I have to pay {$120.00} to close out my account. I am not paying them nothing. I closed out my account and they said i successfully did, then they the next day reopen my account without notifying me or getting my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: TX

Complaint narrative:
I recently went to have my car tinted at a tint shop. I paid using Cash App. The work that I received was poor and business that did the work left razor blades in my car. I contacted the business stating that I was unhappy with the work I received and wanted to get a refund. They accepted responsibility and said that in order for a refund I would have to return to have the tint pulled off before they would refund me the money. XXXX weeks have passed and the business keeps canceling my appointments and hasnt made any attempts scheduled me in. I have left multiple messages with the company. I filed a claim with Cash App. At this point im wanting my money back and way to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
CONTRACT CALLERS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research CONTRACT CALLERS INC 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 2026-02-17 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: Chime Financial Inc
State: NJ

Complaint narrative:
I opened an account on chime and set up direct deposit. I was instructed to sign in to my adp via username and password and after that everything was linked. I waited for my check. Which arrived XX/XX/XXXX. And the routing numbers on the check were wrong. I then checked chime to see My money was not there. I then checked XXXX to see that the account details were wrong and did not match my chime account. Meaning that chime connected a wrong account. I then called chime customer services and was told that it was deposited to wrong account and to wait XXXX business days for automatic transfer to my payroll. XXXX  days came and nothing arrived. I called chime and they said to find ach id. My payroll manager does not have access to it. So I call again the next day and they say it will be there in XXXX to XXXX business days. And when I asked the manager for her name she hung up, Im tired of getting the run around from a problem chime created.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The J. G. Wentworth Company
State: MA

Complaint narrative:
Last two weeks, I spoke with J G Wentworth to discuss obtaining a loan to pay off my medical bills. They attempted to persuade me to consolidate my debt, but when I reviewed the contract they provided, it didnt mention my medical expenses. On Friday, I spoke with XXXX, a client service representative. They informed me that it would take 4 to 6 months for them to collaborate with my credit card companies. They also advised me to refrain from mentioning them to my credit companies. Also to send and statements or past due correspondence to them. However, I clarified that I was not willing to wait that long. I have been paying my credit card payments 100 percent and was committed to continuing to do so. The contract was cancelled that day. Surprisingly, when I was ready to use my XXXX card, I discovered that it had been closed. I never signed the revised contract that included my medical expenses after they removed two of my credit cards. The revised contract was sent to me on Friday, but I did not sign it. It is illegal and unethical for a debt consolidation company to close any credit cards. I never signed a power of attorney, and I am requesting that they send a copy to me via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: TN

Complaint narrative:
The creditor reported the account as closed XX/XX/year>. Despite closure, they reported late payments from XXXX XXXX. The credit report also reflects a XXXX payment that was never made. This is inaccurate and internally contradictory reporting. We are requesting immediate deletion of all post-closure delinquencies and correction to paid/closed status. This error is preventing VA mortgage qualification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing this complaint regarding a XXXX delinquency reported by Bank of America on my XXXX  XXXX credit card account XXXX XX/XX/year>. 

The delinquency resulted from an overlooked balance of approximately {$200.00} on a rarely used card, where the annual fee is approximately {$100.00} that has always been paid on time. Upon discovering the issue, I immediately paid the balance in full and enrolled in autopay to prevent recurrence. Late fees and interest were refunded by the bank on XX/XX/year>. 

I acknowledge that the reporting may be technically accurate. However, I am requesting a review of whether this reporting appropriately reflects the broader context of my XXXX banking relationship with Bank of America and a previously flawless payment history. 

This single oversight has caused a dramatic drop in my credit score ( from XXXX to below XXXX ), significantly impacting my financial profile during an important period of family financial planning. 

Despite contacting customer service and executive communications, I have been informed that Bank of America does not issue goodwill adjustments under any circumstances. 

I am requesting that Bank of America conduct a formal review of this matter and determine whether a one-time goodwill adjustment is available given the circumstances, XXXX ) long-standing account history, XXXX ) immediate corrective action, and XXXX ) refund of fees after review. 

I appreciate the CFPB facilitating a formal response from the bank.

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 2026-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding restricted access to my American Express National Bank savings account. 
My account has been restricted for approximately XXXX weeks pending identity verification. I am not refusing verification. The automated verification process failed, and I have repeatedly requested a manual verification method. 

I submitted a formal written complaint via certified mail ; delivery was verified over XXXX days ago. I have received no written response from Executive, Customer relations, or anyone from American Express National Bank. 

I have verified my identity by Social Security confirmation and updated my contact information. However, I have been transferred repeatedly to the Fraud department and then disconnected after extended holds on XXXX separate occasions. I finally reached fraud today ( XX/XX/year> ) and a representative named XXXX said they will not unfreeze the account unless I use XXXX of their XXXX technical methods and there is no manual verification at all. He confirmed my statement that my inability to complete their complicated methods and my lack of they necessary technical devices that could complete their procedures means I will not have access to my money. As a result, I remain unable to access my own savings despite good-faith efforts to comply with identity verification requirements. 
I am requesting : XXXX. A functional manual identity verification method. 
XXXX. Removal of the account restriction upon verification. 
XXXX. Written confirmation of resolution. 
I am seeking restoration of access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CA

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 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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank, N.A. 

My husband and I are joint owners of a bank account with XXXX. We are currently in the final stage of closing on a condominium purchase, and our mortgage broker requires official bank statements clearly reflecting both account holders. 

The official statement issued by the bank lists my name twice and does not include my husbands name. This does not accurately reflect the legal joint ownership of the account. 

I visited a local branch to request correction of the statement. I was informed that the bank is unable to modify previously issued statements because they are historical documents. Instead, I was provided with account opening documentation and photocopies of transaction records for XXXX and XXXX. 

However, this documentation is not acceptable to our mortgage broker. The lender requires an official bank statement that accurately reflects both joint account holders. 

We are requesting accurate official documentation that corresponds to the actual ownership of the account. The current statement contains incorrect account holder information, which creates complications during the underwriting and verification process. 

The real estate transaction is at the closing stage, and the matter is time-sensitive. We respectfully request assistance in resolving this issue and ensuring that we are provided with documentation that accurately reflects our joint account ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear Credit Reporting Agency, I am writing to formally dispute inaccurate information currently being reported on my consumer credit file regarding an account with XXXX XXXX XXXX XXXX. This letter serves as a request for reinvestigation pursuant to my rights under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 15 U.S. Code 1666b, and FCRA Section 605B. 

Consumer Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP : XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last Four of SSN : XXXX Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Loan Term : 60 Months Status : Paid in Full and Closed on XX/XX/XXXX Despite this account being fully paid and closed, it continues to report as a negative item with late payments. This reporting is inaccurate, misleading, and harmful to my credit profile. 

Under the Fair Credit Reporting Act, you are required to maintain maximum possible accuracy. Because the account has been satisfied, the continued reporting of negative information including late payments must be corrected or deleted immediately. 

# # # Request for Method of Verification Please provide a detailed description of your reinvestigation, including : - The systems and/or personnel used to review and verify the debt and the reporting of this account.

- The time, date, email addresses, and phone numbers of each party contacted during the investigation.

- A copy of the Automated Consumer Dispute Verification ( ACDV ) or any records furnished to verify this account and its payment history. 

If you are unable to produce competent documentation verifying the accuracy of this reporting, you are required under federal law to delete the inaccurate information from my credit file. 

Additionally, pursuant to FCRA Section 605B, I request the immediate correction of all improperly reported late payments associated with this account, as they do not reflect the accounts paid status.

Please complete your investigation within the timeframe required by law and provide me with written confirmation of the results along with an updated copy of my credit report.

Failure to comply with federal reporting requirements may constitute a violation of the Fair Credit Reporting Act, and I am prepared to pursue all remedies available to me if this matter is not resolved promptly. 

Thank you for your immediate attention. 

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 non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I am disputing the XXXX account being collected by Southwest Credit in the amount of {$320.00}. 

I returned all XXXX equipment on XX/XX/year>, and I have receipt documentation confirming the return under my name. Therefore, any charges related to unreturned equipment would be inaccurate. 

I am requesting : A complete itemized billing statement showing how the {$320.00} balance was calculated The date of service termination Documentation proving the balance is valid after equipment return Proof that Southwest Credit has legal authority to collect this account If this balance includes equipment charges, it is inaccurate and must be corrected immediately. 

If Southwest Credit can not provide full validation and itemization, I request deletion of any credit reporting and immediate cessation of collection activity. 

I have attached documentation of equipment return.

Company response to consumer: Closed with non-monetary relief