vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am submitting a follow-up complaint regarding XXXX XXXX XXXX response to my previous complaint. XXXX provided billing statements from the original creditor as verification of the debt. However, these documents do not constitute proper validation. The documents provided do not include any signed agreement, application, or documentation demonstrating that I am legally obligated to pay this debt. Additionally, XXXX has not provided sufficient proof of ownership or a complete chain of assignment from the original creditor. Providing account statements alone does not meet the requirements for proper validation under the Fair Debt Collection Practices Act. Despite this, XXXX continues to report this account and attempt collection. I am requesting that XXXX XXXX XXXX : 1. Provide proper validation including a signed agreement and proof of ownership 2. Remove the account from all credit reporting agencies if proper validation can not be provided This matter remains unresolved, and the documentation provided is insufficient to verify the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: TX

Complaint narrative:
3 independent business accounts of myself closed without explanation Company Names : My XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Account Owner : XXXX XXXX Account Opening Date : XX/XX/year> Complaint Description : U.S. Bank closed the business checking accounts of above companies without prior notice, written explanation, or stated cause. The accounts were opened in XX/XX/year> and was used for legitimate, lawful, and transparent business activities. At no point did U.S. Bank notify us of any concerns, request additional documentation, issue warnings, or indicate any compliance or risk-related issues prior to closing the account. The sudden and unexplained closure has took place after initial capital contribution deposits and caused significant disruption to our business operations, including the inability to process payments, manage expenses, and conduct normal commercial activities. This action has negatively impacted our cash flow, vendor relationships, and overall business continuity. We contacted U.S. Bank requesting a clear and written explanation for the account closure. However, we did not receive a meaningful or specific response explaining the reason for this decision.

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 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
On XX/XX/XXXX, I was charged {$17.00} on my credit card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a wireless plan I never agreed to. On XX/XX/XXXX, I enrolled in a $ XXXX plan under an explicit written promise that pricing was permanent " for as long as they remain a XXXX XXXX subscriber. '' See website : XXXX XXXX XXXX : XXXX On XX/XX/XXXX, XXXX XXXX unilaterally terminated this plan and auto-enrolled me in a $ XXXX plan without my consent. The {$17.00} charge on XX/XX/XXXX reflects this unauthorized plan. I did not authorize this charge for this plan. I am requesting investigation of this unauthorized billing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Check from NJ state treasury dept. deposited via mobile app XX/XX/XXXX. Release of funds were noted prior to deposit to take XXXX business days. Contacted customer service via phone XX/XX/XXXX ( third business day ) to confirm release date. Customer service XXXX stated funds were to become available on XX/XX/XXXX. XX/XX/XXXX funds are not available and no notice of delay sent/received.

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 2026-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This amount was for {$450.00} I have no recognition of and it should not be on my credit at all, this is fraud and Ive told them that once before and its still effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian , XXXX XXXX XXXX violated my rights as a consumer under XXXX XXXX XXXX and i need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report XXXX fcra law XXXX. Remove XXXX account XXXX date XXXX XXXX XXXX, remove inquiry ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2026-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Recovery Services, LLC
State: TX

Complaint narrative:
I am disputing an inaccurate collection account from XXXX XXXX XXXX regarding a XXXX residency at XXXX XXXX. I have provided the agency with a formal payment receipt showing a {$0.00} balance. Despite this proof, the agency continues to report an active debt, which is preventing me from securing new housing. Furthermore, I have been in contact with the current management at the property ( now The XXXX at XXXX ). The Assistant XXXX, XXXX XXXX, confirmed in writing on XX/XX/XXXX, that the property has no record of this debt in their system and has not received any verification inquiry from XXXX XXXX XXXX. The agency claims they are 'waiting for a response ' from the property, but it is clear they are attempting to verify the debt with an outdated or non-existent entity. Since the debt is paid and the current property management can not verify the records, XXXX XXXX XXXX is legally required to cease collection and delete this tradeline. Their failure to do so is a violation of the FCRA and is causing me significant financial and housing distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
A car loan with credit acceptance and it was not me I did not go in a open a car loan with them my identity was stolen they are taking money from me of my state taxes I have till XX/XX/XXXX or they are going to take my taxes

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 2026-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by National Credit Adjusters. I have disputed this account twice with XXXX and provided documentation from the original creditor. Despite this, the company continues to report incorrect information. The account in question originated on XX/XX/XXXX, with a first payment due on XX/XX/XXXX. The account became delinquent in XX/XX/XXXX and was placed into collections shortly after on XX/XX/XXXX. National Credit Adjusters is currently reporting the Date of First Delinquency as XX/XX/XXXX. This appears to be based on the date the debt was acquired ( XX/XX/XXXX ), which is not the correct standard for reporting delinquency. The Date of First Delinquency should reflect when the account first became delinquent and was never brought current, which in this case is XX/XX/XXXX. XXXX XX/XX/XXXX instead of XX/XX/XXXX appears to be an unlawful re-aging of the account in violation of the Fair Credit Reporting Act. This inaccurate reporting is extending the time this account will remain on my credit report and is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX, a duplicate transaction in the amount of {$350.00} was processed through XXXX. I contacted customer support the same day to cancel the duplicate transaction and was explicitly told by the representative that I had called in time to prevent the duplicate from being completed. Despite this assurance, the duplicate transaction was still processed. In the weeks that followed, I began receiving collection calls regarding this amount. I repeatedly informed XXXX representatives that I had already contacted support on XX/XX/XXXX and was advised the duplicate would be stopped. Instead of resolving the issue, the account was escalated and ultimately sold to a third-party collection agency. XXXX has since refused to correct the error or provide meaningful assistance, despite clear evidence that the duplicate transaction was unintended and that I made a timely effort to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: FL

Complaint narrative:
I am filing this complaint regarding multiple international money transfers initiated through Abound that have not been delivered and remain unresolved. I sent a total of {$66000.00} USD across multiple transactions from the United States to XXXX using the Abound platform. The details are as follows : Number of transactions : 7 Dates of transactions : XX/XX/year> - 2 transactions each {$9500.00}, XX/XX/year> - 1 transaction of {$9500.00}, XXXX 1 transaction of {$9500.00}, XX/XX/year> - 1 transaction of {$9500.00}, XX/XX/year> - 1 transaction of {$9500.00}, XX/XX/year> - 1 transaction of {$9500.00}, Transaction IDs : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Despite more than 20 days having passed since the earliest transaction, all transfers continue to show a status of Processing. The intended recipient in XXXX has not received any of the funds. I have made multiple attempts to contact Abounds customer support via email, but I have received no response or meaningful update. The company has failed to provide : Confirmation of transfer completion Any transaction reference numbers ( XXXX ) Any explanation for the delay Any expected resolution timeline This constitutes a failure to provide the paid financial service and a lack of required transparency. Under the Electronic Fund Transfer Act ( EFTA ) and related remittance transfer rules, consumers are entitled to : Timely processing of remittance transfers Clear disclosure of transaction status Proper investigation and resolution of errors Abounds lack of response and failure to complete or refund these transfers appears to be a violation of these requirements.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a series of fraudulent transactions on my Chime account totaling {$4600.00}. These unauthorized charges occurred on XX/XX/XXXX and XX/XX/year>, and were the result of a rental scam involving an individual on XXXX XXXX who impersonated a landlord. The partys names are XXXX XXXX and XXXX XXXX. The total amount consists of four specific transactions : a {$1100.00} deposit, followed by three additional payments of {$700.00}, {$1000.00}, and {$1700.00}. I entered into what I believed was a legitimate rental agreement for a property located at XXXX XXXX XXXX XXXX, XXXX, OK XXXX, only to later confirm with a licensed realtor that the individual had no authority to lease the home nor allow us entry to tour the property. The brokerage that actually owns the property is currently conducting its own investigation into this matter. I have attached the following documentation to support this claim : the fraudulent XXXX XXXX listing, the provided " lease '' agreement, the photo ID used by the scammer to establish false credibility, and comprehensive communication logs from XXXX, email, and text messages. I have also included receipts for the {$1100.00} holding deposit and the {$3400.00} payment for the first and last month 's rent. Under the Electronic Funds Transfer Act ( EFTA ) and Chimes fraud protection policies, I request an immediate reversal of these funds to my account, a formal case number for this dispute, and confirmation that my account is now secured against further unauthorized activity. Please confirm receipt of this dispute within 24 hours and provide an estimated timeline for resolution. I reserve the right to escalate this matter to the proper authorities, including the FBIs XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the Federal Trade Commission ( FTC ), if it is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX Sir or Madam,\nI am writing to formally file a complaint regarding my Capital One Savor Credit Card (Account Number: XXXX XXXX XXXX XXXX). I applied for this card in early XXXX and subsequently received a letter from Capital One confirming that my application had been approved. The approval letter clearly stated that I was eligible to receive a XXXX bonus credit after spending XXXX within the first 90 days of account opening.\n\nI have fulfilled the spending requirement of XXXX within the specified 90-day period, as outlined by Capital One. However, to date, I have not received the promised XXXX bonus credit. I have attempted to resolve this matter directly with Capital One, but the issue remains unresolved.\n\nI am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Capital One provides the bonus credit as promised.\n\nSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
This complaint is directly related to CFPB Complaint No. XXXX filed against XXXX XXXX XXXXXXXX regarding the same loan. The servicing issues originated under XXXX XXXX XXXXXXXX and have continued without correction under the current servicer, Shellpoint Mortgage Servicing ( NewRez LLC ). The same loan, payment history, and accounting discrepancies remain unresolved following the servicing transfer, and Shellpoint is currently maintaining and enforcing a disputed balance derived from prior servicing errors. The issues are continuous across both servicers and include : Payments made over the life of the loan exceeding $ XXXX, while only approximately {$23000.00} has been credited in the loan history Funds placed into unapplied/suspense accounts dating back to servicing under XXXX XXXX XXXXXXXX No delinquency during the borrowers lifetime, yet payments were held unapplied Payments designated for principal and escrow not applied as intended Escrow discrepancies including both city and county tax charges for a city-located property Foreclosure-related fees assessed without a corresponding court filing These issues originated under XXXX XXXX XXXXXXXX and were transferred as part of the loan servicing record to Shellpoint, which has continued to rely on and enforce the same unreconciled and inaccurate account balance. Shellpoint is currently : Maintaining and reporting a disputed balance exceeding {$50000.00} Failing to correct or reconcile prior servicing errors Continuing to rely on incomplete or inaccurate payment history Issuing vacancy notices despite the property being owner-occupied and insured Failing to provide a clear accounting of how payments were applied These actions raise concerns under RESPA ( 12 U.S.C. 2605 ; 12 C.F.R. Part 1024 ) regarding failure to properly apply payments and correct servicing errors, and TILA ( 15 U.S.C. 1601 et seq. ) regarding accuracy of loan balance and disclosures.

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 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Data Search NY, Inc.
State: IL

Complaint narrative:
XXXX wrote off my credit card balance during a layoff. I had no idea they did it and received no communication. I tried to pay a payment plan balance and was locked out of the account. Then bill collector calls started. I was told that as long as I paid my monthly payment plan balance, that was ok. But then XXXX XXXX got a law firm involved that threatened to sue me. I filed a XXXX XXXX XXXX complaint that lasted multiple months with everybody pointing at everybody else. Finally XXXX XXXX XXXX told me they wrote my account off a YEAR AGO without my knowledge. I had been paying the XXXX XXXX address with monthly payments this entire time minus the two months when I was laid off and told a rep I could not afford it. But XXXX blamed XXXX. XXXX blamed XXXX. The law firm blamed XXXX and then ceased communication. And then XXXX blamed TrakAmerica, a company I never heard of. I filed a XXXX complaint against them to stop harassing me considering I was making timely payments. It stopped for a couple months before the automated calls are starting AGAIN. At least six random numbers have called me each morning at XXXX XXXX. the past week, and I already made my monthly payments. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
After I funded my recently ( XX/XX/XXXX ) opened Morgan Stanley XXXX XXXX/Etrade checking account with a direct deposit of {$1500.00} on XX/XX/XXXX, the bank froze my account and XXXX money transfer function including XXXX. Per its request, I uploaded my driver 's license, social security card and bank account photos on XX/XX/XXXX. According to them, these documents takes XXXX days to reach the right department within the bank on XX/XX/XXXX. I kept calling them to review the documents the following days. On XX/XX/XXXX I got their feedback to upload the documents proving the source of income including the direct deposit and company records. So far no response. The most serious is their XXXX that refused to refund my money when I requested the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: PA

Complaint narrative:
I have been repeatedly harassed by the company and also contacted numerous times where I have stated for them not to contact me anymore. I have offered pay to delete and they refused. I wanted to come to resolution so I wouldnt be harassed anymore.

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 2026-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
In XXXX my personal information was left behind in an old home due to XXXX and XXXX XXXX that overtook the home. We were displaced due to an environmental emergency and could not touch files left in the garage. Out of the blue this Harris and Harris XXXX XXXX has popped up on my locked XXXX credit report tarnishing and prohibiting me from clearing my name. There is a fraud alert on all 3 of my credit reports and there has been fraud reports filed to the FTC, IRS and XXXX XXXX XXXX XXXX XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
I was wanting to file a complaint towards self credit builder. I was supposed to get a pay out of {$2300.00}, XXXX weeks ago. I closed the account XX/XX/XXXX which makes it XXXX business days since account closer. The promised time for the payout was XXXX business days to process and XXXX business days for payment completion. I was notified by email today XX/XX/XXXX, it would now take up to XXXX days, I called after receiving the email and was then told the time is undetermined with no reason as to why other than security reasons with no option to escalate or to inquire more information.

Company response to consumer: Closed with explanation