vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am filing a complaint against Bridgecrest regarding attempts XXXX collect on an auto loan account that was previously charged off. The creditor has written this debt off as a loss. Despite this Bridgecrest continues XXXX attempt XXXX collect payment as if the account is still active, without clearly disclosing the charge off status or providing proper validation of the debt. I believe this may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) XXXX/or inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). The attempt XXXX collect this debt is being collected without proper validation. The status of the account is misleading XXXX/or inaccurately represented. I have not received sufficient documentation supporting the current balance or authority XXXX collect I wanted XXXX settle this amount at the previous amount of {$3000.00} that they were offering at XXXX time. I didnt have the funds then but have it now. They already filed a charged off that is reflected on my credit report for a higher balance than what is owed on the vehicle. They informed me of a program that I would qualify for paying monthly totaling over {$9000.00}. The amount that is owed is less than this and they also reflected a higher charge off amount on my credit report. By then filing a charged off they have already been credited for the amount lost, but they are still trying XXXX collect payments from me. They are holding the title unless {$9000.00} is paid but this is more than what was owed on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding a disputed charge of {$250.00} from XX/XX/XXXX, for merchandise that I never received. After the charge posted, I contacted the merchant, XXXX XXXX, XXXX was informed in writing that I was eligible for either a replacement or a refund. I chose a replacement. Despite this, no replacement was ever sent, XXXX the matter was not resolved after multiple follow-ups. Due XXXX the lack of resolution, I filed a dispute with my credit card issuer XXXX was issued a temporary credit while the investigation was pending. On XX/XX/XXXX, the charge was reapplied XXXX my account. I was later advised that this occurred because the merchant recharged the card, not because the dispute was resolved or the merchandise was delivered. I then contacted the merchant again, XXXX they explicitly refused XXXX assist further, stating they could not provide a replacement or refund because a chargeback had been filed. This has left me in an unacceptable situation : I did not receive the merchandise The merchant refuses XXXX resolve the issue due to the dispute The credit card issuer has allowed the charge XXXX stand without a valid resolution I have provided all supporting documentation, including account statements showing the original charge, temporary credit, XXXX reversal, as well as written correspondence from the merchant confirming both their initial offer XXXX subsequent refusal. I am requesting that this dispute be properly reviewed XXXX that a permanent credit be issued, as I should not be held financially responsible for goods that were never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
XX/XX/XXXX deposited $ XXXX from personal business account XX/XX/XXXX deposited $ XXXX from personal business account XX/XX/XXXX deposited $ XXXX from personal business account XX/XX/XXXX deposited $ XXXX from personal business account XX/XX/XXXX deposited {$500.00} from personal checking account XX/XX/XXXX deposited {$500.00} XXXX {$2700.00} from personal checking account Company has frozen my account funds for all the above listed transactions deposited into their company XXXX closed my account without offering any explanation as XXXX why ( verbal, email or letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: CO

Complaint narrative:
I'm attempting XXXX obtain a refund for a closed account that has been deleted. The refund from XXXX is linked XXXX a credit card associated with a Cash App account that is also closed. I've reached out XXXX Cash App, but they refuse XXXX issue a refund, and XXXX is not helping either, XXXX stated XXXX contact Cash App XXXX Cash App stated XXXX contact XXXX its a back XXXX forth thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A little after XXXX on XXXX, XX/XX/year>, I received a call from someone claiming to be from Citibank XXXX use of my debit card. During the call I deduced that this person was looking at my checking account. I hung up and logged onto my account XXXX see that XXXX unauthorized wire transfers, totaling {$73000.00}, had been made. I could not see anything else about the money wired out as moments later I no longer had access XXXX my account. I called the Citibank number on the back of my card. The account was closed immediately. On XXXX ( XXXX XXXX ) I went to the local Citibank branch XXXX opened a new account. A wire fraud case was initiated. Numerous calls XXXX Citibank in the ensuing days XXXX weeks, totaling hours of time XXXX energy, XXXX get a meaning update on the investigation, proved fruitless - a lot a runaround, transferring of calls, etc. I was told that they had XXXX days XXXX resolve the situation. It is past XXXX days and today I was told they have up to XXXX days XXXX work on the case. No XXXX has ever called XXXX inquire about any of the details of what transpired, let alone consoling me for my loss of money XXXX time. I have noticed online that Citibank has a horrible reputation regarding fraud. They are certainly living up XXXX that reputation!

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OH

Complaint narrative:
Validation of Debt Request - TRUEACCORD C - xxx * * * * * * * * XXXX I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
ABSOLUTE RESOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX my credit file XXXX is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I used XXXX Bank of America card XXXX deposit a check and the atm began XXXX malfunction. I was unable XXXX cash check on XX/XX/XXXX. I contacted Bank of America XXXX put in the dispute for the ATM machine XXXX did not receive any credit. On XX/XX/XXXX Bank of America closed the case. I really need my money XXXX deposited into my account. I want my credit expedited as soon as possible in the amount of {$6800.00}. Claim # 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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My account was closed, likely due XXXX inactivity, more than a XXXX ago at Bank of America. There was no overdraft. I tried XXXX open an account recently XXXX they won't do it, XXXX give no reason after multiple attempts.

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 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am disputing a collection account from XXXX XXXX for approximately {$270.00}. Around XXXX year ago, I made XXXX separate, good-faith attempts XXXX cancel my membership in person at the facility. On both occasions, the staff refused XXXX process my cancellation. The receptionist explicitly told me it 'was n't a good time ' XXXX cancel XXXX pressured me XXXX remain a member because I had recently paid a yearly fee, claiming a cancellation 'would n't make sense ' at that time. By obstructing my right XXXX cancel and refusing XXXX provide the necessary paperwork during business hours, the gym acted in bad faith XXXX violated consumer protection standards regarding gym contracts. I ceased using the facility immediately following these failed attempts XXXX cancel. I do not owe this debt as the gym 's own staff prevented the formal administrative process from being completed despite my clear verbal notice of termination. I am requesting that this collection be removed from my credit report XXXX that the balance be voided immediately. First Credit Services Inc is the agency that is trying XXXX collect the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
I have an account with cash app. I am a green card member which has particular benefits. When taking money out of an ATM and using an XXXX ATM it is surcharge-free on both ends. I was charged times when taking money out of an XXXX ATM at XXXX. I called Cash app XXXX try XXXX get help they told me they could not give me any information why they couldn't help me XXXX had XXXX let me go after I spent XXXX minutes on the phone XXXX provided them all the screenshots XXXX information they required XXXX show that I pulled the money out of an ATM XXXX was charges per transaction I spoke XXXX someone that was foreign XXXX did not know much about our banking systems XXXX basically blew me off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate XXXX unverified medical collection information being reported by Medical Data Systems on my credit report. I submitted a direct dispute XXXX Medical Data Systems under FCRA XXXX ( a ) ( XXXX ), disputing the accuracy XXXX validity of a collection account that I do not recognize XXXX did not authorize. In my dispute, I requested that the company conduct a reasonable investigation XXXX provide full validation of the account, including documentation of the original medical provider, an itemized statement of services, XXXX proof of my authorization and financial responsibility. Despite this request, Medical Data Systems has continued XXXX report the account without providing any documentation establishing that I am responsible for the alleged debt. I have not received an itemized bill, a signed agreement, or any records demonstrating that I authorized the services or agreed XXXX financial responsibility. Additionally, this account involves medical information, XXXX the reporting XXXX handling of such data must comply with applicable privacy and authorization requirements. Medical Data Systems has not demonstrated that it has the legal authority XXXX possess, use, or report this information, nor has it shown that proper authorization exists linking me XXXX this account. This account is also being disputed in connection with identity theft. I did not authorize these services XXXX have not benefited from them. Under FCRA XXXX ( b ), furnishers are required XXXX conduct a reasonable investigation XXXX review all relevant information provided. Reporting a medical collection account without proper validation, itemization, or proof of authorization does not meet this requirement. The continued reporting of this account without proper documentation is inaccurate XXXX is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX XXXXays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
Validation of Debt Request - XXXX - XXXX * * * * * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: PA

Complaint narrative:
I have been depositing money to my bank account through Cash App. Each time i take the instant transfer fee. When I go to withdrawal my funds Cash App tries to take out the original amount that I was trying to withdrawal not the instant amount. I did it 4 times. XXXX times they got denided by my bank the XXXX one didnt. And they took {$700.00} out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding a {$2500.00} credit card payment that has not been properly resolved. On or around XXXX or XXXX of 2025, I made a payment of {$2500.00} toward my XXXX credit card. The funds were successfully withdrawn from my bank account and have not been returned. However, XXXX has kept this payment under review for several months and has not restored my available credit or provided a clear explanation. I have contacted XXXX multiple times but have not received a resolution. My funds have been taken from my bank account, yet I am unable to access the corresponding credit or confirm the proper application of the payment. This situation is unacceptable. If XXXX has received my payment, it should be applied to my account immediately. If there is any issue, the funds should be returned to me without further delay. I am requesting immediate action to : XXXX. Confirm the status and location of my {$2500.00} payment XXXX. Apply the payment to my account or return the funds XXXX. Restore my available credit XXXX. Provide a clear written explanation for the delay This matter has been ongoing for an unreasonable amount of time, and I expect a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I am being sued for a credit card debt that is far past the statute of limitations in my state. This account is more than XXXX XXXX XXXX. At the time, I was serving in the military, and to the best of my knowledge, these accounts had been settled. I had not heard anything about these accounts for years until I was notified of this lawsuit. XXXX XXXX XXXX claims that I made payments on this account, which they argue reset the statute of limitations. I have repeatedly stated that I never made any payment on this account, and any payments applied to it were not authorized by me. After looking into the matter, I discovered that a portion of my Veterans Affairs benefits, including GI XXXX and XXXX payments, had been sent to an old XXXX XXXX bank account while I was in school because outdated routing and account information had been used for automatic disbursement. Before I was able to correct the issue, XXXX XXXX XXXX took money from that old bank account without my authorization and then claimed that this constituted a payment toward the collection debt, resetting the date to 2023. I believe this was predatory and unethical. I have spent the last XXXX to XXXX years working through my XXXX claims with the VA to ensure I was properly evaluated. As soon as I received my XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX sued me over this XXXX debt, relying on what I believe was an unauthorized payment to claim the debt became valid again in 2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
They said it was a clerk error, but they refused to fix it! My mother, XXXX XXXX XXXX and XXXX, went to the local US bank to deposit {$2000.00} in my accountshe had my bank account number in the text messages on her phone, and showed it to the clerk. She told the clerk she was XXXX and needed help depositing the money in my BANK ACCOUNT but the clerk deposited it on my overdrawn credit card instead! It was a completely different account number, so it was deliberate. I called the Bank XXXX over and over over the course of the next XXXX XXXX told me it was HER clerks mistake, but didnt do anything to fix it I told her it was a. XXXX XXXX to refuse to help someone whos XXXX, and that since it was her clerks mistake she should fix it She refused My mother is now depressed

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 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Alorica Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported by SST/Medallia on my credit report. I submitted a direct dispute to XXXX XXXX FCRA XXXX XXXX a ) ( XXXX ), disputing the accuracy and validity of an account that I do not recognize and did not authorize. In my dispute, I requested that the company conduct a reasonable investigation and provide documentation demonstrating both the validity of the account and their authority to report it. Despite this request, XXXX has XXXX to report the account without providing any documentation identifying the original creditor, the underlying obligation, or any signed agreement establishing that I am responsible for the account. Additionally, I have not received any documentation demonstrating their authority to furnish this information to the credit reporting agencies. It appears that XXXX may be acting as a third-party servicer or data furnisher ; however, they have failed to provide any evidence supporting their legal authority to report this account or the accuracy of the underlying data. This account is also being disputed in connection with identity theft. I did not open or authorize this account and have not benefited from it. Under FCRA XXXX ( b ), furnishers are required to conduct a reasonable investigation and review all relevant information provided. Reporting an account without verifying the underlying obligation and without establishing authority to report does not meet this requirement. The continued reporting of this account without proper validation or authority is inaccurate and is negatively impacting my credit profile.

Company response to consumer: Closed with explanation