vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Block, Inc.
State: GA

Complaint narrative:
( On XX/XX/year> I XXXX XXXX filed an appeal caused Cash App stated I violated there terms and conditions. I did advise them thatI was mislead and didn't know it was a business linked to CashApp. I asked Cash App to assist me with my refund after they closed my account for no reason. Cause I was unaware of this business linked. ) ( Following month ) How come I haven't received an update on the status of my cash? It's has been over XXXX  days XXXX. How long does it take to conduct an investigation? I have been patiently waiting. You have caused me to be late on alot of my payment with XXXX 's and caused me pain, suffering, emotionally stress, XXXX, and mentally draining that I am unable to keep my payments the way I used to having organized and paid on time. At this I will be letting my lawyer know to proceed with the next in the legal process to resolve this matter. I understand it's takes XXXX days for you to return my refund from XXXX of a XXXX dollars. This isn't the issue at hand. My issue now is you all ( Cash app representatives ) stated I violated terms and conditions. I placed an appeal back in XX/XX/year>. It's now XX/XX/year> and I haven't heard nothing from Cash App ( phone, email, text, mail, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: NJ

Complaint narrative:
XXXX XXXX, MY CARD IS ALWAYS IN XXXX  DEPARTMENT. I HAVE TO CONSTANTLY BE IN CONTACT WITH THEM. IF I DIDNT CALL FOR A NEW CARD I WOULD NOT HAVE KNOWN THERE WAS AN ISSUE. NO ONE COULD TELL ME THE TRIGGER .. UNTIL THE XXXX XXXX XXXX. STATED IT WAS A NEW EMAIL. THIS STARTED ON A SUN AT XXXX XXXX  I SENT IN MY BIRTH CERT AND SS LIKE I HAVE FOR THE PAST 5 YEARS. IT IS NOW TUES AT XXXX. ITS NOT RESOLVED. MASSIVE COMPANY! DISGRACE HOW LONG WAIT TIMES ARE XXXX hrs!!! TO ONLY BE TRANSFERED AND PUT ON HOLD AGAIN. IT HAS CAUSED ME HARM AND EMOTIONAL STRESS. PUT ME IN A SITUATION WHERE I DONT HAVE BASIC ESSENTIALS TOILET PAPPER, MEDICATION, AND GROCERY. 
MASSIVE COMPANY, THEY COULD CHANGE IF THEY WANTED TO.. THEY NEED TO BE HUMBLED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies, obsolete items, and unverifiable information being reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit reports list inaccurate addresses, including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX, XXXX, TX XXXX, which I dispute pursuant to FCRA 611 as inaccurate personal identifying information. Additionally, several tradelines are inaccurate, obsolete, or improperly reported, including XXXX XXXX with a {$0.00} balance opened XX/XX/XXXX, XXXX XXXX XXXX with a {$76.00} balance opened XX/XX/XXXX, XXXX OF XXXX XXXX with a {$160.00} balance opened XX/XX/XXXX, and XXXX XXXX with a {$150.00} balance opened XX/XX/XXXX, all of which raise concerns under FCRA 605 ( a ), 607 ( b ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), 623 ( b ), 611 ( 15 U.S.C. 1681i ), and 15 U.S.C. 1666 and 1666a regarding billing errors, duty to investigate, duty to correct and update, and restrictions during disputes. I am also disputing collection accounts including XXXX XXXX ( Original Creditor : XXXX XXXX at XXXX XXXX ) XXXX with a balance of {$3300.00} opened XX/XX/XXXX, which is reporting on Equifax but not XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$360.00} opened XX/XX/XXXX, both of which I dispute under FDCPA 807, 808, and 809 for failure to provide proper validation, potential false or misleading representations, and unfair practices, as well as under FCRA 605 ( a ), 605 ( c ), 609 ( a ) ( 1 ), 611, and 623 ( a ) ( 1 ) ( A ) for inaccurate, unverifiable, or improperly reported information and incorrect or unverified dates of first delinquency ( DOFD ). Furthermore, a repossession tradeline from XXXX XXXX XXXXXXXX with a {$0.00} balance opened XX/XX/XXXX remains on my report and must be evaluated for compliance with FCRA 605 ( a ) ( 4 ) s seven-year reporting limitation, 605 ( c ) regarding DOFD control of the reporting period, 623 ( a ) ( 1 ) ( A ) duty to report accurate information, 609 ( a ) ( 1 ) right to full disclosure, and 604 ( a ) ( 3 ) permissible purpose. I am also disputing an inquiry from XXXX dated XX/XX/XXXX, which I believe is inaccurate, unauthorized, outdated, or lacking permissible purpose, in violation of FCRA 611, 605 ( a ), 605 regarding removal of outdated information, and 604 ( a ) requiring a permissible purpose for all hard inquiries. Collectively, these inaccuracies demonstrate failures by both furnishers and consumer reporting agencies to maintain maximum possible accuracy, properly investigate disputes, validate debts, and ensure lawful reporting as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: OH

Complaint narrative:
I was recently informed of negative information reported by key bank included in the file Early Warning maintains under my Social Security number. Upon ordering a copy of the report, I found an calry from this bank listing a [ negative item listed ] in [ month and year of listing ). 
I am unaware of ever having a ( item ] from this ( bank Credit Union ]. 
Please validate this information with key bank and provide me with copies of any documentation associated with this " [ item bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Foderal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota XXXX XXXX 's office, should you continae in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company : I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My checkingbaccount had avfraud transaction so it was locked. I did not valid ID so I had a part of Truist bank help me get a new bank account and debit card which I now have. But old account was supposed be locked so I could be Social Security direct Deposit today. Went to Bank this morning and account was closed not locked. They told me to go to Social Security Office so I did and they said fund get accepted by Truist Bankntonokd account. I set up direct deposit with new number that will happen next month. NOW Not SURE WHERE CHECK SO And have no money to pay my rent other bills and buy food.I did not give permission fo rthem to close my account. They say by talking to the representative gave them permission to do so. 
I am very upset and worked hard to get my credit good since I became a widow XX/XX/year>. I told 2 bank women I am upset with and contacting some one about this being 79 my XXXX  is very high with a heart condition with pace maker and defibrillator I do not need stress. 
Thank your listening to my checking I mplaint. It felt good to just get it written down. The company is Truist Bank I am. 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 monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I am filing a complaint against Citizens Bank regarding an excessive and prolonged hold on a legitimate cashiers check deposit. 

On XX/XX/2026, I deposited a XXXX XXXX cashiers check in the amount of {$460000.00} into my Citizens Bank account. This cashiers check represents the remaining balance of my XXXX XXXX account, which was closed due to a prior security incident involving my phone being compromised. The check was mailed directly to me by XXXX XXXX, the issuing bank. 

Citizens Bank initially placed an extended hold on the deposit, stating that some information on the check was not consistent. I was later informed that the funds would be available on XX/XX/2026. However, despite no indication that the check is fraudulent or invalid, Citizens Bank has now postponed the funds availability until XX/XX/2026, claiming that their fraud department needs additional time to verify the check. 

This delay is unreasonable. The check is a cashiers check issued by XXXX XXXX, a major XXXX  bank, and Citizens Bank has the ability to directly contact XXXX XXXX to verify the checks authenticity. I have also personally contacted XXXX XXXX, who confirmed that the check was issued and mailed as a payout of my closed account balance. 

As of now, 100 % of my personal savings are being held, causing financial hardship and unnecessary stress as I've been asked to vacate my apartment which I need to access the funds so I can get myself a new apartment. Citizens Bank has not clearly explained what specific information remains unverified, nor why verification has taken over XXXX months for a cashiers check issued by a federally regulated financial institution. 

I believe Citizens Bank is unfairly delaying access to my funds beyond a reasonable timeframe, despite the availability of straightforward verification methods. 

Thank you for your assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Issue Incorrect information furnished to credit bureaus Complaint narrative to XXXX American Express furnished information to credit reporting agencies following settlement of this account that resulted in inaccurate and inconsistent reporting. 

The account was settled in full and closed in XX/XX/year>. Despite this, credit reports reflect a {$77.00} balance updated XX/XX/year>. American Express later denied reporting this balance, creating a direct conflict between furnished data and reporting results. 

This inconsistency demonstrates failure to ensure accuracy and failure to correct information after notice. Furnishing data that results in a reported balance on a settled and closed account violates federal credit reporting obligations. 

I am requesting CFPB review and enforcement requiring American Express to instruct all credit reporting agencies to delete this tradeline or permanently correct it to XXXX balance and closed status, and to cease furnishing conflicting data. 

Attachments to include XXXX confirmation letters Proof of payment XXXX screenshot showing {$77.00} balance American Express CFPB response letter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I am submitting this complaint regarding a gym membership that I repeatedly attempted to cancel, yet the company continued billing me despite clear cancellation requests. 
I contacted the gym multiple times and explicitly stated that I wanted to cancel my membership. During these calls, I was told that I was required to come to the gym in person to cancel. I complied and went to the location face-to-face, where staff repeatedly attempted to persuade me to remain under contract by offering discounts and incentives. I clearly stated that I did not wish to continue the membership and that I wanted it canceled. 
Despite these clear and repeated cancellation requests, the gym continued billing my account. At no point did I agree to continue the membership, nor did I authorize further charges after requesting cancellation. 
The companys actions are deceptive and unfair. Requiring in-person cancellation, pressuring customers to remain under contract, and then continuing to bill after cancellation requests constitutes improper billing and an attempt to collect money not owed. 
I have made multiple efforts to resolve this directly with the gym, but they have failed to correct the issue or stop billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filling this complaint regarding missing funds caused by a Wells Fargo system error. 
I deposited a check that cleared successfully.After the funds were available, I transferred the money.Due to a Wells Fargo system issue the deposit was duplicated. 
The receiving bank cleared one transaction and rejected the duplicate transaction. 
Although the duplicate transaction was rejected, the rejected funds have not been credited back to my Wells Fargo account. As a result the currently missing. 
I reported this issue to Wells Fargo over 10 days ago and have visited the branch multiple times. Instead of resolving the issue with no clear resolution timeline or assigned investigator. 
This delay is unacceptable especially since the error originated from Wells Fargos system. I am requesting immediate escalation to the appropriate back- office or XXXX XXXX team confirmation of where the rejected funds are currently held and prompt return of the missing funds.I am also requesting consideration of a temporary credit while the investigation is ongoing. 
I am submitting this complaint because my attempt to resolve this XXXX directly with Wellsfargo have been unsuccessful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson Capital systems is reporting multiple duplicate collections accounts on credit reports and refusing to remove them. In retaliation they also deleted accounts that have been paid in full. XXXX  has verified these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding a transaction with Western Union that has remained unresolved for over nine years. The original Money Transfer Control Number ( MTCN ) for this transaction is XXXX. All follow-up MTCNs provided by Western Union for this transaction failed in my attempt to retrieve the refund of the funds. The original MTCN had been archived, which Western Union indicated made it impossible to use for pickup. 

Over this period, I made several inquiries to Western Union, each of which resulted in either receiving multiple MTCNs that failed or no substantive response. Furthermore, I was bounced across departments with no clarity on who was responsible for my issue, highlighting severe bureaucratic dysfunctionality. 

Moreover, Western Union did not initially disclose the discrepancy between the expected {$100.00} transaction refund and the reported {$59.00} transaction refund. This information was not volunteered and was only provided after I specifically inquired, demonstrating a lack of transparency and failure to act in good faith. 

Documentation of prior communications, including emails and portal messages, shows that Western Union has further failed to act in good faith to resolve this matter. I have repeatedly provided information, attempted to follow up, and escalated the matter, yet the issue remains unresolved. 

I request that Western Union address this matter promptly. For record-keeping purposes, I prefer all communications be via email or portal message only, to ensure there is a complete written record. 

This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) as a formal record of the issue. It is not about the amount of {$100.00} at this point ; it is about principle, ethics, and Western Unions consistent failure to fulfill its obligations over the past nine years. 

Attached to this correspondence is the last email I received from Western Union, dated XX/XX/year>, which outlines the fees associated with the transaction. These fees were not disclosed voluntarily ; I only received this information after specifically inquiring about the discrepancy between the expected {$100.00} refund and the {$59.00} amount provided. The email demonstrates that Western Union withheld key information regarding the fee structure until prompted, highlighting a lack of transparency in their handling of this transaction. 

Please feel free to let me know if you have any further questions or inquiries. Have a good morning. 

Sincerely, XXXX XXXX XXXX Original Western Union MTCN : XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
For over three weeks, they placed my account on hold for no reason, and I have provided everything they requested, yet they have not given me any updates on my account. They restricted it and are holding on to my money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I XXXX XXXX got my tax refund from the irs today of XXXX sent to my checkings account, however navy federal my bank decided to take my money and put it towards my credit card which I no longer have access to. This is not okay, this was my only money and I needed it as im going through a divorce process and I have a part time job only. Please I need help to recover my money, I undestand im in debt with my credit card but I was also looking for bankrupcy options because I can not pay that at the moment, I did not give my bank authroization to do that. I contacted them today at XXXX as soon as i saw that and they said they can not help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am a victim of identity theft. A Chase/JPMorgan Chase credit card account was opened fraudulently in my name. I did not open this account, I did not apply for it, and I never gave anyone permission to use my information. 

Fraudulent account : Chase/JPMCB Card credit card, ending in XXXX Opened : Reported as XX/XX/XXXX Balance being reported : My credit reports show inconsistent balances, including approximately {$16000.00} on XXXX screen and approximately {$23000.00} on another. 

Harm : Chase/JPMorgan Chase has been contacting/harassing me about this debt and reporting it to the credit bureaus, even though it does not belong to me. 

I reported this identity theft to Chase and provided documentation. I also filed an official FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ) documenting a fraudulent JPMCB Card account and a fraudulent amount of {$23000.00}. 

JP Fraud Chase has already investigated other fraudulent Chase accounts opened under my name and confirmed I am not responsible for those accounts ( examples : letters dated XX/XX/XXXX and XX/XX/XXXX confirming Im not responsible for accounts ending in XXXX and XXXX ). 

However, for the account ending XXXX, Chase has not removed me from liability and has not corrected the reporting or stopped collection activity. 

I do not bank with JPMorgan Chase and do not want any relationship with JPMorgan Chase. They should not be allowing accounts to be opened under my identity, and they should not be attempting to collect from me on a debt created by a thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I opened an Ally Bank checking account under a promotional sign-up bonus offer. I completed all required conditions, including the qualifying direct deposit within the required time frame. 
According to the promotion terms and customer reports, the bonus should have already been paid. Some customers who opened their accounts and completed the requirements later than I did have already received their bonus. Other customers who opened on the same date and had the same direct deposit timeline also received their bonus, but I did not. 
I am requesting that Ally Bank honor the promotional sign-up bonus ( {$300.00} ) that I qualified for.

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