vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Upon receiving a default judgement on XXXX XXXX for a previous debt from Midland Credit Management. On XX/XX/2026. I receive another civil court order from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for Default Judgment in the amount of {$2200.00} on behalf of Midland Credit Management ( XXXX XXXX collection ) who in turn bought the account/debt from XXXX XXXX XXXX XXXX. MIDLAND CREDIT MANANGEMENT # XXXX, then sold account/debt to Attorneys XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ( XXXX ) XXXX ). I have requested validation of debt, copy of the original debt bearing my signature with accurate dates, and proof that they own or were assigned the debt from the creditor. I was not provided with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: NJ

Complaint narrative:
I am filing this complaint regarding Barclays handling of a billing dispute that I believe was unfairly denied. The transaction in question is a charge of {$1600.00} for a resort reservation in XXXX. My husband and I were unable to travel due to circumstances outside of our control. We were denied boarding by XXXX separate airlines due to documentation requirements, despite my husband having a valid XXXX residency extension for XXXX more years. As a result, we were physically unable to reach our destination and could not use any portion of the resort stay. Importantly : We never checked in at the resort We never used any services associated with this reservation We made multiple good-faith efforts to travel We initially booked a flight with XXXX XXXX and later rebooked with XXXX XXXX at a significantly higher cost in an effort to still make the trip. We were denied boarding by both airlines for the same reason. I have documentation confirming both bookings, both boarding denials, and refunds issued by both airlines. I filed a dispute with Barclays on the basis that the service was not received. However, Barclays denied my claim and sided with the merchant. I was not provided with a clear explanation of how this decision was reached or what evidence was used. I believe this decision is unfair because : The service paid for was never rendered I made reasonable and documented efforts to use the service The inability to travel was due to circumstances beyond my control Barclays has failed to properly consider the full context and supporting documentation of my case. I also want to note that I made direct efforts to resolve this matter with the resort. Initially, the resort indicated they were willing to offer a partial refund ( approximately 50 % of the total amount paid ). However, this offer was later withdrawn without clear explanation, and I was ultimately denied any refund or credit. This inconsistency further demonstrates that the situation was not handled fairly and that there was room for reasonable accommodation, which was ultimately not honored.

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 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I filed a Borrower Defense to Repayment application with the U.S. Department of Education on XX/XX/XXXX, related to my federal student loans associated with XXXX XXXX ( XXXX XXXX ). As of XX/XX/XXXX, more than XXXX years have passed without a decision. This prolonged inaction is unreasonable and constitutes a failure to administer the Borrower Defense program in accordance with federal borrower protection standards. Despite submitting a complete application in good faith, I have not received a determination, a meaningful status update, or any explanation for the delay. My attempts to obtain information through StudentAid.gov have resulted only in generic, non-substantive responses. My claim is based on well-documented misconduct by XXXX XXXX , including misrepresentation of academic quality, program outcomes, and transferability of credits. XXXX closure amid findings of financial mismanagement and deceptive practices further underscores the legitimacy and urgency of these claims. The Department is fully aware of these systemic issues, making the continued failure to adjudicate my application particularly concerning. This three-year delay has caused ongoing financial harm and has deprived me of the relief and protections afforded under federal law. I have been left in a prolonged state of uncertainty, unable to make informed financial decisions, while my loan status remains unresolved. The Department of Education has a clear obligation to process Borrower Defense claims within a reasonable timeframe. Failure to do so undermines the purpose of the program and raises serious concerns regarding administrative accountability and compliance. I am formally requesting the following actions : Immediate adjudication of my Borrower Defense application A written explanation for the excessive delay to date A definitive and enforceable timeline for resolution Full discharge of all eligible federal student loan debt associated with this claim A refund of all payments made on these loans, consistent with Borrower Defense relief provisions Continued delay is unacceptable and harm has been caused by this delay. I am seeking immediate full discharge of all eligible loans and a full refund of all amounts paid. I expect this to be processed without further delay, along with written confirmation and a defined timeline.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> I deposit {$860.00} into my my Bank of America Account where on XX/XX/year> I was told that my account was in good standard and I was able to use my account the bank has place a hold onto my account with no explanation or time frame I have contacted customer service multiple times and steadying getting the same answer spoke with supervisors and managers as well that doesnt have any update and giving me the same answer as well I visit a branch on XX/XX/year> where I was told they wasnt able to help me as well I requesting a immediate explanation and A release of my funds ASAP

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 2026-04-27 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: GA

Complaint narrative:
What happened was is that square flagged my account for activities then closed it with funds they stated after XXXX days that the funds would be in there. XXXX days later no funds were received Ive been trying to contact them my number has been blocked from talking to a representative and now I can only email everyone keeps saying that I have to go through a certain department but they stopped reposting I just want my money thats it. They are intentionally holding my funds. Square inc has done this to multiple business and costumers of theirs and their had been no resolution Im at the point of hiring a lawyer to get this handled

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
My son was sending me some money he owed me for a bill I paid for him he was being silly and added an XXXX XXXX it was a joke between us well that was XXXX months ago and Ive talked to several people that were supposed to to send me an email and never did it was supposed to be escalated and wasnt I need my its mine why should I have to wait with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Account suspended on XX/XX/year> due to unusual activity for the security of my account. My account has been under review up through today XX/XX/year> and I have received no information or contact other than the original suspension email and when I call they just say the account is still under review and you will receive an email with a resolution or update. I have never received an email. I have been unable to use the account in any form including my funds I. The account being held hostage throughout this process. Again there has been no communication whatsoever regarding updates, resolutions etc or any feedback to my numerous call and complaints which began on XX/XX/year> prompted by the message displayed on their website Your account is suspended. Please call XXXX for information. Yet, when I call, theres no information provided. The pace and communication of this process has been absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/XXXX, I opened up a new XXXX checking account with Bank of America with the purpose of establishing a checking relationship and earning a new account bonus. Promo code XXXX was confirmed attached to my account via letter dated XX/XX/XXXX. The bonus was for {$500.00} for depositing over {$10000.00}. I made direct deposits of {$5000.00} on XX/XX/XXXX, and {$5000.00} on XXXX, thus meeting the bonus eligibility criteria. On XX/XX/XXXX, I called Bank of America to inquire about the status of the {$500.00} new account bonus and spoke with XXXX. I was told that I " did not meet '' the terms of the bonus despite my meeting the requirements.

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 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: AR

Complaint narrative:
I attempted to make a purchase at XXXX in XX/XX/year> using Klarna. The transaction did not go through, and I left the store without receiving any items. Despite this, Klarna shows a {$74.00} charge and is requesting payment. I have disputed this charge XXXX times with Klarna and filed a police report. XXXX has verbally confirmed that no completed purchase exists, but I have been unable to obtain written confirmation and have been unable to reach them consistently by phone. Klarna has failed to provide proof of a completed transaction or merchandise received. I am requesting that this charge be removed immediately and that any negative reporting be prevented or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: NY

Complaint narrative:
XX/XX/year> - customer filed a chargeback with Cash App XXXX XX/XX/year> - customer contacted our company saying they made a mistake and wished to cancel the dispute. Cash App said they could not cancel the dispute. XX/XX/year> - after a call to Cash App, the company was informed to submit evidence to the chargeback and it would automatically be ruled in our favor. We submitted evidence. XX/XX/year> - XXXX minutes after submitting significant evidence showing the customer wished the chargeback to be reversed, Cash App upheld the chargeback and received additional fees from our company. Cash App is maliciously collecting disptue fees and is automatically denying counters to chargebacks. Furthermore, they are providing no means for customers to actually cancel chargebacks, which guarantees these fees as revenue directly to them in addition to penalizing small businesses such as ours. Cash App is actively fascilitating and profiting from fraud while denying its own users the ability to combat it. They are hiding behind " customer privacy '' when calls are made claiming that they can not discuss customer information despite us providing all customer information and the customer being mutually shared between us. This is a tactic meant to try and dismiss any objections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF HAWAII CORPORATION
State: OH

Complaint narrative:
I have a checking account with Bank of Hawaii that I had contacted about closing in the past. I was under the impression the account would be closed and funds were sent to me. Upon receiving an email recently I realized the account was never closed. I contacted the bank and was told I am unable to close my account at this time and it is in suspension. Additionally they have been charging me $ XXXX monthly for not having sufficient funds. I was told they changed this policy a while back and they started charging me after they changed it. I have never received any notices by mail that they told me I should have received. I have been trying to get this resolved for a a few weeks now. I was directed to a supervisor and she told me she would escalate my concerns and I would hear back about a week later. It has been XXXX days with no response meanwhile they continue to drain my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Good morning, My name is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have disputed the account. Nothing has been done. It does not belong to me. Applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Names used in the past : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: Kovo
State: TN

Complaint narrative:
Good morning, My name is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have disputed the account. Nothing has been done. It does not belong to me. Applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Names used in the past : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Trying to collect a debt that no longer belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding an unfair late fee that was charged and reported to the credit bureaus without sending me a final bill. This account was closed due to Synchrony 's unfair billing and collections practices. I attempted to make a timely payment, but their payment system rejected the transaction. Multiple times Before the due date, I submitted payment through Synchronys system in good faith. The payment was not processed due to a system rejection/error that was not caused by any intentional failure on my part. Despite my timely attempt to pay, Synchrony then assessed a late fee, treated the account as delinquent, and reported negative information that resulted in an approximately 100-point reduction in my credit score. Consumers should not be penalized when a creditors own payment platform prevents timely processing. If there was an issue with the transaction, the fee should have been waived once the payment attempt history was reviewed. The resulting credit damage has created additional financial harm far beyond the late fee itself. I am requesting : 1. Immediate reversal of the late fee 2. Removal/correction of any negative credit reporting related to this incident 3. Restoration of accurate account status as current/good standing 4. Written confirmation of any corrections sent to the credit bureaus 5. Review of Synchronys payment processing practices to prevent repeat harm to consumers Synchrony 's own rep XXXX XXXX payment attempts were made XXXX XXXX XX/XX/2026 XXXX - ( When I attempted to update bank info ) Payments continued to reject and once finally accepted was applied late. Complaint filed with 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 monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Approve Holdings, Inc
State: UT

Complaint narrative:
I have been receiving repeated unsolicited mail advertisements from Auto Approve offering car loan refinancing services. I have not done business with this company, did not request these offers, and did not consent to receive marketing mail from them. On XX/XX/year>, I called Auto Approves customer service line to request removal from their mailing list and to stop receiving these advertisements. When I stated that I was calling to unsubscribe from their mailings, the representative immediately said okay, have a great day and disconnected the call before I could confirm that my request had been processed, obtain any confirmation number or reference ID, verify that my address would be removed, or ask any follow-up questions. The representative made no attempt to locate my information in their system, confirm my mailing address, document my opt-out request, or provide any assurance that the mailings would stop. The call was effectively terminated the moment I stated the purpose of my call. Auto Approve appears to lack a functioning, good-faith process for consumers to opt out of receiving unsolicited loan advertisement mail. The representatives conduct immediately dismissing my request without any verification or confirmation suggests that opt-out requests are not being processed in a meaningful way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
The company call me from numerous phone numbers with my area code. I picked up once because my phone does not pick up unknown numbers but a voicemail was left for me and I listened to it. I am not used to debt collectors and how they work but the way they were describing the trouble I am in and that I was being sued by a company from a loan from 2024. Structured settlements told me that I would need to put down a downpayment and that the next day I would have to start making payments. When I told the lady I do not have anything to put down as of yet she said she will wave the fee for the down payment but I would have to add a card on file. They called me again, this time saying " I'm currently conducting an audit on your file in our office. And some of the notes kind of put you in a negative light. I wanted to give you an opportunity to respond on your own behalf and let me know if there's anything you would like me to take into consideration before turning in my recommendation. '' So I told them that I would like for them to send me a Debt validation Letter, to where the lady on the phone say they do not do those and the next letter with debt on it will be from the law office that is suing me.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
i do not have any contract with this company i do not owe them any money.

Company response to consumer: Closed with explanation