vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE
State: FL

Complaint narrative:
This debt collector has done unjustifiable 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. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I attempted to repay my Cash App loan on time using my linked bank card. At the time, I did not owe any other balance on Cash App. The payment failed due to what Cash App support acknowledged was a system issue. I contacted support immediately and was repeatedly told they were working on it for several days. During that delay, my Cash App account somehow developed a negative balance that was not previously owed. Cash App then claimed this negative balance prevented the loan payment from processing. As a result, my loan balance increased from approximately {$100.00} to over {$110.00} due to added fees or interest caused by their own system failure. I believe this is unfair and potentially deceptive because I made a timely attempt to pay the loan and notified the company immediately. I am requesting that Cash App remove any added fees, interest, or penalties caused by this issue and properly investigate how the negative balance was created. This company is operating in bad faith and I dont feel like my consumer rights are protected with Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
The debt was paid and the company said it would be removed in XXXXhours.

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 2026-05-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am an existing Marcus by Goldman Sachs customer with accounts already on file. My wife and I recently attempted to open a joint Certificate of Deposit ( CD ) account through the Marcus mobile app. After completing the application in the app, the system was unable to process it and instructed us to call Marcus customer service to complete the process. We called Marcus three separate times to try to complete the application. During each of these three calls, two serious issues occurred : 1. Full Social Security numbers were read aloud by the representatives. On every call, the representative recited my full Social Security number and my wife 's full Social Security number back to us in full, rather than asking us to verify only the last four digits or using a more secure identity verification method. This happened repeatedly across three calls, multiplying the unnecessary exposure of our most sensitive personal information. As an existing customer whose SSN was already on file, there was no legitimate need for a representative to read my full SSN aloud to verify my identity. 2. All representatives were located outside the United States. Every representative we spoke with was at an overseas call center. We were not informed in advance that our personal information including full Social Security numbers, dates of birth, addresses, and financial details would be processed and handled by call center staff outside the XXXX We were never given the opportunity to consent to or decline offshore processing of our sensitive data. I am concerned about ( a ) the internal access controls that apparently allow Marcus call center representatives to view and verbalize full, unmasked Social Security numbers, ( b ) the lack of disclosure that U.S. customer applications and sensitive personal data are processed by overseas call centers, and ( c ) the fact that an existing customer application that was started in the mobile app could not be completed digitally and required this exposure of sensitive data over the phone. I have submitted a written complaint directly to Marcus, but I am also doing so in parallel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One initiated an account closure/fraud review after a misunderstanding during employment verification related to a payroll check hold. My employer subsequently verified directly with Capital One that the check and employment were legitimate. Despite this, I was informed the closure review can not be stopped due to internal process timing. I am requesting immediate review, restoration of my account standing, and release of any improperly restricted funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC
State: MD

Complaint narrative:
I am reporting a massive consumer fraud and debt collection violation involving a collection law firm knowingly executing legal collections for an unlicensed, unbonded, and unauthorized auto dealership setup.1. The Unlicensed Creditors/CollectorsCN XXXX XXXX XXXXXXXX ( XXXX ID : XXXX ) : This entity has been completely unauthorized to do business in Maryland since XX/XX/XXXX. Its XXXX license is officially expired.JDB XXXX XXXX, XXXX : This entity 's corporate Traders License has been completely delinquent since XXXX. It possesses no Motor Vehicle Administration ( MVA ) dealers license and is entirely unbonded.The Operation : Together, these two entities operate an illegal car dealership business, generating consumer contracts with zero legal standing or mandatory state surety bond protections.2. The Law Firms Knowing ViolationsXXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ID : XXXX ) : This law firm acts as the third-party debt collector and legal agent for these illegal businesses.Prior Knowledge : The firm has actual, documented knowledge of their clients ' unlicensed status. The attorney has recently actively filed a motion to continue to do business on their behalf. " Systemic Illegal Posturing : Despite knowing their clients are legally unauthorized to conduct business or collect consumer funds, this law firm has flooded the state court system, illegally filing hundreds of consumer liens and lawsuits.3. Federal FDCPA & State ViolationsMisrepresentation : Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e, it is a federal violation to misrepresent the legal status or collectability of a debt. Because the underlying entities are unlicensed and unbonded, the legally collectable amount is $ XXXX.Unfair Practices : Demanding money and filing legal documents on behalf of an unauthorized, expired auto business violates FDCPA 1692f. Also Under Maryland law, a debt collector is strictly prohibited from claiming, attempting, or threatening to enforce a right with knowledge that the right does not exist. CN XXXX XXXXXXXX and JDB XXXX XXXX lack active business, trader, or XXXX licenses, they have no legal right to conduct business or collect consumer money in Maryland. By representing an unlicensed company 's case in a Maryland court, XXXX, XXXX, XXXX XXXX, XXXX is attempting to enforce a right that does not legally exist, which is a direct violation of this law.The Maryland Attorney General 's Consumer Protection Division has already escalated this operation to the Maryland Commissioner of Financial Regulation under Case No. XXXX. I request that the CFPB investigate XXXX, XXXX, XXXX XXXX, XXXX for its pattern of using legal machinery to validate an unbonded, unlicensed consumer operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
No mail was sent to me and realized the debt buyer added to my credit report without proper steps to collect the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
My ex-husband and I were divorced on XXXX. As a result of the divorce, we sold our home in XXXX. The home sold ( closed ) on XXXX. I received an email from Freedom Mortgage ( our mortgage company ) that we would receive an escrow check made out to both my ex-husband and myself. This was unacceptable, since my ex-husband and I have no more contact with each other, and we now live in different states. ( I live in XXXX, he still lives in XXXX. ) I called Freedom Mortgage and explained all of this to them, and requested that my ex-husband receive one check sent to him for 50 % of the escrow check, and that I have a separate check sent to me for the other 50 % of the escrow amount. They said they did not do that. I asked them to escalate my call, which they then did to an escrow dept. representative. That person said I had to file my request via a message to them on the Freedom Mortgage website, which I did. In that message, per their request, I also included the pages from our final divorce decree that states that we each receive 50 % of the house sale proceeds. Now, today I get a letter from Freedom Mortgage, stating that I need to send the entire divorce decree, along with " the recorded deed transferring the property to [ me ] ''. I have no idea what this last item is or why they want it. The property was sold to new owners, NOT transferred to me. Please, please, help. At this point, it's clear to me that Freedom Mortgage is just jerking us around to delay the escrow money being sent to us. Thank you.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX XXXX XXXX credit cards switched from XXXX to Citibank in XXXX 2026. Customers including myself lost access to the account on XXXX website and were therefore unable to see statement balances, payments due, nor make payments. As my citi card has not arrived yet, I have tried multiple times to register for Citibank online with my old XXXX ' card number ( as instructed on their website ) but the verification code/zip code says it does not match their information. I called to attempt to gain access to my account ( the XXXX 's customer service number XXXX has been forwarded to Citibank ). They blamed the login issue on my browser, though it did not work on other browsers either. They then requested an excessive amount of personal information over the phone in addition to the card number ( Last XXXX XXXX, XXXX, etc ), which caused me to be suspicious if the number I had reached was still Citibank. I did not feel comfortable giving all of this info over the phone, so they refused to tell me if any payment was due and refused to take my payment. They said they could not give me online access to the account, and I had to wait until I got the card in the mail. In the meantime my account is accruing interest, and I am unable to view the account, monitor transactions for fraud, nor make payments.

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 2026-05-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was receiving fraud alerts ( texts ) on my cell. My phone was also ringing a ton. I finally answered and the person said they worked at the fraud department with Bank of america and they were trying to clean up a dispute. They didn't ask any personal information and seemed to have my personal information so, I fell for it and gave them a code via my phone. This was obviously a big judgment error on my side and I made a mistake but I was a victim and should not have to pay this money. I did not give someone permission to use my card. I was tricked. I realized this not long after ( maybe a day ) and tried many times to get BOA Fraud on the phone which was pretty difficult. I finally submitted a fraud claim and all I was told was that they were researching it. Nothing else. They didn't involve me. I could barely get a person on the phone. Now on XX/XX/XXXX, a document I unfortunately missed, but did not worry because the charge was still off of my car, they denied the claim due to : We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. This is a {$190000.00} claim. They never contacted me. This is absolutely outrageous. It's impossible to even get someone to speak to you over the phone. This is ridiculous and I need help.

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/year>, I noticed an unauthorized ATM withdrawal on my account in the amount of {$480.00}. I called the fraud department with my bank to file a claim. On XX/XX/year> I received a denial for my claim. I called my bank and asked what was the reason for the denial, and they told me that they have a video surveillance that matches with my identity. I asked for the video and they said they are not allowed to show me the video unless I get a subpoena for them to release the video, and they will not honor any proof that it was not me, when I am XXXX hours away from the place where the incident happened.

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 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
XXXX XXXX XXXX Twin XXXX XXXX XXXX, CA XXXX XX/XX/year>2026 EDFINACIAL Re : Request for Debt Validation Account Number : Unknown Dear Sir or Madam, I am responding to your recent communication regarding the debt you claim I owe. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown of any fees, interest, or charges added Copies of any documents showing I agreed to or am legally responsible for this debt Proof that your company has the legal authority to collect this debt Documentation showing the date the debt was incurred and payment history, if applicable Until you provide proper validation of this debt, I request that collection activity cease and that no inaccurate information be reported or continued to be reported to any credit reporting agencies. This letter is not an acknowledgment or acceptance of liability for the alleged debt. I am exercising my right to request validation before any further action is taken. Please respond in writing to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Mandate for the Credit Bureaus under 15 U.S.C. 1681 and the Duties of Furnishers under 15 U.S.C. 1681s-2 ( b ), this serves as my eighth ( 8th ) and final formal notice of a catastrophic breakdown in accuracy procedures. I. STATEMENT OF SYSTEMIC FAILURE Despite seven ( 7 ) consecutive rounds of specific, fact-based disputes, the Credit Reporting Agency ( CRA ) has failed to perform a reasonable investigation or maintain reasonable procedures under 15 U.S.C. 1681e ( b ). The CRA continues to report unverified, inaccurate, and inconsistent data, specifically regarding " Past Due '' payment histories that should legally be updated to " Paid on Time. '' II. ENUMERATED STATUTORY VIOLATIONS Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : After seven rounds, the disputed items remain unverified. The law states the agency " shall '' promptly delete or modify information that " can not be verified. '' By failing to act, the CRA is in direct violation of a non-discretionary federal mandate. Violation of 15 U.S.C. 1681s-2 ( b ) : The furnisher has failed to provide a complete and accurate payment ledger. Under this statute, the failure of a furnisher to verify a debt requires the CRA to permanently suppress the data. Violation of 15 U.S.C. 1681n & 1681o : This persistence in reporting invalidated data constitutes Willful and Negligent Non-Compliance. The CRA is now liable for actual damages, including the severe emotional distress and financial exclusion I have suffered. Breach of 12 U.S.C. 5511 : I am invoking the CFPB 's mandatory duty to protect consumers from unfair, deceptive, or abusive acts or practices ( UDAAP ) perpetrated by CRAs that refuse to follow the FCRA. III. FINAL DEMAND FOR CORRECTIVE ACTION I demand that the CFPB exercise its plenary authority under 15 U.S.C. 1681s to compel the concerned Credit Bureau to : 1. Modify and Update : Immediately update the Inaccurate Past Dues in the payment history to " Paid on Time / Never Late. 2. Mandatory Deletion : If the CRA can not produce correct evidences respond to the complaint, it must be permanently deleted per U.S.C. 1681i ( 5 ) for the following Items Listed Below

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
The Department XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX of Pennsylvania has deposited funds into my checking account with USAA Federal Savings Bank. The XXXX XXXX XXXX was made on or about XXXX XXXX, 2026. The XXXX XXXX XXXX XXXX was made on or about XXXX XXXX, 2026.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Complaint against Chase XXXX Chase XXXX XXXX XXXX XXXX I am filing this complaint regarding Chases handling of an inadvertent credit-card payment reversal. On XXXX XXXX, 2026, I inadvertently made a {$4200.00} payment from my Chase checking account to my Chase XXXX XXXX. No payment was due at the time, and the account was current. I contacted Chase the same day to request a reversal and was told I needed to wait until the payment settled. On XXXX XXXX, 2026, after the payment settled, I spoke with a Chase Credit Card Payments supervisor. He reviewed my account and advised that Chase could process the full {$4200.00} reversal back to my Chase checking account within 35 business days. At that time, my credit limit was still {$18000.00}. On XXXX XXXX, 2026, Chase returned only {$540.00} to my Chase checking account and applied the remaining {$3600.00} to my credit-card balance. On that same date, Chase reduced my credit limit from {$18000.00} to {$14000.00}. After the {$3600.00} was applied to the card balance, my balance became approximately {$13000.00}, only {$0.00} below the newly reduced {$14000.00} limit. I understand Chase has stated it will not restore the {$18000.00} credit limit. I am not asking the CFPB to require Chase to extend additional credit. My complaint is that Chase represented that the full {$4200.00} payment reversal could be processed back to my checking account, then reduced the credit line and retained/applied {$3600.00} of the reversal to the card balance instead of returning it to checking. I am requesting that Chase : Return the remaining {$3600.00} to my Chase checking account. Explain whether the XX/XX/XXXX credit-limit reduction caused Chase to retain/apply the {$3600.00} instead of returning it to my checking account. Provide the specific adverse action reason codes for the credit-limit reduction. Explain why the XX/XX/XXXX representation that the full {$4200.00} could be returned was not honored. Provide a written explanation of all actions taken on XX/XX/XXXX regarding the payment reversal and credit-line reduction. This issue has created immediate financial hardship because I relied on Chases representation that the full {$4200.00} would be returned to my checking account.

Company response to consumer: Closed with explanation