vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IL

Complaint narrative:
To Whom It May Concern, I am writing in response to a collection account you are reporting on my credit report. This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Account Information as Reported : Original Creditor : XXXX XXXX  XXXX  Account Number ( as reported ) : XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Credit Bureau : Experian I dispute this debt in its entirety and request that you provide competent evidence that I have a legal obligation to pay you. Specifically, please provide : Proof of debt ownership, including a complete chain of title from the original creditor to your company, demonstrating that you have the legal right to collect this debt. 
A copy of the original contract or lease agreement bearing my signature that created the alleged obligation. 
A detailed itemization of the balance, including principal, fees, penalties, interest, or other charges. 
The name and address of the original creditor, and the date of alleged default. 
Documentation showing that the amount being reported is accurate and authorized. 
Please note that courts have made clear that a debt collector must be able to demonstrate ownership and authority to collect. In XXXX XXXX XXXX XXXX XXXX, the court emphasized that a debt buyer must be able to prove it owns the debt and has standing to collect. Additionally, while XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) discusses validation standards, it does not relieve a collector of the obligation to substantiate ownership and accuracy when a debt is disputed. 
Please respond in writing within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy and legality of the above-referenced credit card account currently appearing on my credit report. This account is over 13 years old and is well beyond the allowable reporting period under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), which limits the reporting of negative accounts to no more than seven ( 7 ) years from the date of first delinquency. Despite this, the account continues to be reported on my credit file, which is inaccurate, obsolete, and unlawful. This letter serves as my final dispute. I am requesting the following : 1. Immediate deletion of this account from my credit report 2. Written confirmation that the account has been permanently removed 3. Verification of the Date of First Delinquency, if you believe this account is still reportable If you are unable to provide verifiable documentation proving that this account is legally reportable, you are required under the FCRA to delete it without delay. Please be advised that failure to correct this error may result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing any other remedies available to me under federal law. I expect this matter to be resolved within 30 days of receipt of this letter. Thank you for your prompt attention

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I received XXXX notices in the mail on XX/XX/XXXX that XXXX accounts were opened in my name at Huntington Bank- a checking account and a savings account. Both accounts were opened on XX/XX/XXXX according to the notices. I also received a debit card associated with the checking account. I called the bank customer service line on the same day ( XX/XX/XXXX ) and after waiting XXXX minutes, I was able to talk to a customer service representative. I have never visited a Huntington Bank branch, nor have I ever applied for an account at that bank chain. 

The customer service acted like it was no big deal, could not explain how or why the accounts were opened, and didn't provide me with any further instructions and just said that it would be investigated. She gave no further instructions or confirmation number of our conversation and just said " don't worry, it will be investigated ''. I pushed her for more information, and she finally gave me a case number. I e-mailed the bank 's fraud e-mail address on XX/XX/XXXX and provided the case number and asked for confirmation that the case was being investigated and the accounts closed. I never received any response. 

Since then I have received XXXX statements from the accounts, showing that they are NOT closed. On one statement for the checking account, it actually lists an individual 's name and shows a payroll deposit in the amount of {$1.00}. The saving account shows a balance of {$0.00}. I e-mailed the bank fraud department again on XX/XX/XXXX to again ask for an update on the fraud investigation and ask why these accounts are still open, and why they were able to be opened in the first place with {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL

Complaint narrative:
I am a XXXX resident, locked out of my CareCredit ( Synchrony ) account because the only recovery method requires a XXXX phone number I no longer have. The only way to regain access is to call an international number, which is prohibitively expensive. Furthermore, I am receiving erroneous statements showing a tripled balance despite a perfect payment history. I have no way to contact them to dispute this or update my information. I request they contact me to resolve the access issue and the billing error.

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I initiated a full ACAT transfer from my XXXX XXXX brokerage account to XXXX XXXX on XX/XX/2026. 

All transferable assets moved successfully. However, one nontransferable deposit product remained at XXXX XXXX and was liquidated on XX/XX/2026, resulting in approximately {$160000.00} in cash. 

After the liquidation, my XXXX XXXX account was marked CLOSED. The cash is now classified as residual cash, but it has not been transferred to XXXX XXXX. Because the account is closed, I have no ability to access or withdraw my funds. 

I contacted XXXX XXXX multiple times and was told the residual cash transfer is automatic, but no timeline was provided and no manual escalation has been initiated. As of today, the funds remain unavailable. 

This delay is causing financial hardship, including difficulty making a scheduled mortgage payment. I am requesting immediate assistance to complete a manual residual ACAT cash sweep or otherwise release my funds without further delay.

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hello, I am writing regarding my Sams Club credit card account, which has been paid in full in XX/XX/year> ( over {$2000.00} ), yet it is still being reported on my credit report as an active/negative balance. 
According to my records, this account has a {$0.00} balance and should be accurately reflected as paid/closed ( or paid as agreed ). At this time, the continued reporting appears to be inaccurate and is negatively impacting my credit profile. 
Please review this matter promptly and : Update your records to reflect the correct {$0.00} balance Report the accurate status to all credit bureaus ( XXXX XXXX XXXX XXXX  ) Provide written confirmation once the correction has been completed If additional documentation is required from me, please advise immediately so I can provide it. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that the account has been corrected.

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 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
According to the terms offered to me, I had XXXX  months to repay the interest-free loan. But the company started charging money after XXXX months of use. A one-time charge of {$420.00}, I am worried about this charge. A monthly fee was also charged. In the store where I applied for the documents, they said that the loan was for XXXX months. Due to my lack of perfect XXXX, I could not clearly defend my position.

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Chime Financial Inc
State: IA

Complaint narrative:
I had chime they stolen money and lied said they did a investigation witch they did not i been fighting them for a while on it so my bank did there own investigation and found errors so I called them to see the evidence they would not show me any they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited a check on XX/XX/year> for XXXX dollars. I told the bank represenative that if there was going to be a hold on the check that I did not want to deposit the check that I need a portion of the check available immediately because I have things I need to pay. The rep stated that if there would be hold on the check that he would let me know and he could reverse the check. There was a hold and he folded the receipt in half and laid it on the counter and took his pen and pointed out that partial deposit of XXXX would be available on XXXX and the another partial would be available the following week and then the balance by XX/XX/XXXX. I did not receive the deposit as stated so I called and spoke to a supervisor and she stated that after 48 hours they can release a partial so to call back and it will be released. I have called Capital one bank numerous times and every time I have called its been a different story. Its now the XXXX and I still have no deposit. It literally says on the bank website the full amount would be released today. The bank has refused to do anything and as I stated this has cost me more money as these funds were from my lawyer to pay something a week ago. Capital One bank has never been able to do anything right which is why I never use the account. I only used this bank because it was a mile from the bank that wrote the check to me. At the late fees its cost me I would have been better off to pay the 3 % cashing fee at the original bank. Worthless! I want my money and If this dont help I will follow suit with all my evidence with the news and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
On XX/XX/year> I was scammed out of {$500.00} through Zelle on my bank app by a XXXX customer service impersonator, the original contact was for a service I was offering through XXXX and I was contacted by a person named XXXX XXXX she claimed to need said service and would XXXX XXXX  me the amount of {$66.00}, then was sent a screenshot by her saying that she could not send her payment because my account was a personal account and not a business account so she needed my email to verify that she was sending the money to the correct person, once I gave my email I received an email from who I thought was XXXX XXXX  stating that my account was on hold til the business account she was sending from could send {$500.00} to me and I could send it back to verify that I was trying to switch my account to a business account. The customer service impersonator was on a call with me with screen mirroring to walk me through the entire process and talked me into sending the {$500.00} back to the sender with assurance that my XXXX account was pending the original {$500.00} from the sender which it was not. After I sent the {$500.00} the impersonator tried to get me to send {$1000.00} more and that is when I was sure I was being scammed and ended the call. I have also made a report to the FTC and my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Bank, N.A.s improper denial of my fraud claim involving unauthorized airline transactions totaling {$2200.00}. 

Another major XXXX XXXX XXXX XXXX XXXXXXXX, has established clear precedent by fully refunding multiple consumers who were victims of this exact same fraud scheme, with the exact same timing on the exact same day involving the exact same people andinvolving the same merchant. XXXX XXXX XXXXXXXX investigated nearly identical transactions, determined they were unauthorized, and issued permanent refunds. Despite identical facts, Wells Fargo denied my claim. 

The fraudulent charges were associated with the same merchant ( RICHFLIGHTS ), used the same scam method, occurred during the same time period, and involved unauthorized airline ticket purchases. The only difference between the cases was the number of tickets purchased, accounting solely for the difference in dollar amount. The merchant, timing, and fraudulent nature of the transactions were otherwise the same. 

In addition, Wells Fargo mailed its denial letter after the deadline by which I was required to respond, effectively preventing me from timely contesting the determination. This procedural failure impaired my ability to exercise my rights under Regulation E.

Wells Fargos denial appears inconsistent with industry standards, reflects unequal treatment when compared to peer institutions handling the same fraud scheme, and raises concerns regarding the adequacy and fairness of its investigation, as well as compliance with Regulation E requirements related to timely notice and consumer protections. 

I am requesting that Wells Fargo be required to conduct a proper reconsideration of my claim and reverse its denial consistent with established precedent and applicable consumer protection regulations.

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 2026-01-21 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Bank failed to investigate! 

I am filing a follow-up complaint regarding Goldman Sachs Bank XXXX XXXX XXXX my prior Apple Card dispute. 
I submitted objective, third-party evidence from the manufacturer confirming that the product was defective. Despite this, the bank closed the dispute with a conclusory statement that the charge was valid, without addressing or evaluating the evidence provided. 
This does not constitute a reasonable investigation. The bank failed to consider material facts and relied on a generic response instead of a factual review. 
I am requesting regulatory review of Goldman Sachs Bank XXXX investigative procedures and appropriate remediation for the harm caused by its failure to properly evaluate evidence. 
Attachments to upload : Manufacturers defect report Banks dispute closure / denial XXXX transaction receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
XXXX My cell phone was stolen at my work at around XXXX. I filed a police report detailing the crime and showing that my phone was not in my possession at the time or the transaction. 

XXXX I gained access to the account via another device and saw a text message that was sent to my phone with a verification code from cashapp. I login to cashapp and see that the pin no longer works and was changed. The person transferred my {$140.00} in savings to an account that I have never interacted with before at XXXX. 

I file a dispute with XXXX XXXXater detailing the unauthorized transaction and it was denied because a security lock ( pin ) was in place. 

XXXX I file an appeal with a copy of the police report, a screenshot of the device details on XXXX  website showing it was reported stolen as well as an explanation that my pin was changed prior to the transaction. 

XXXX The appeal was denied the same day with the exact wording as the initial denial : security lock. 

XXXX I called cashapp support and the advocate confirmed that on XXXX the account pin ( security lock ) was changed at XXXX, XXXX minutes prior to the transaction. 

My proof of my account being compromised was completely ignored ; the police report and confirmed security lock change.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I contacted Student Aid on XX/XX/XXXX, and XX/XX/XXXX, to discuss the two months that were missing from the payment periods without success. I have also attempted to resolve this issue with the use of the " Hi! Need Help? '' chat without success. On XX/XX/XXXX, I submitted a reconsideration form to Student Aid due to XX/XX/XXXX and XX/XX/XXXX being missed during the counting of the payment periods. I have contacted Student Aid and XXXX about this issue on several occasions. Per XXXX representative, the payment periods of the above months were submitted to Student Aid and included XXXX and XX/XX/XXXX. XXXX representative stated that XX/XX/XXXX should be a qualifying payment period ; however, XX/XX/XXXX the loan was on an administrative forbearance. XXXX representative informed me that the matter had to be resolved by Student Aid. When I spoke with Student Aid, I was notified that XXXX had not submitted those payment periods, and nothing could be done until that information was provided. When I recently spoke with Student Aid on XX/XX/XXXX, I was informed that the reconsideration is still pending. I have also had a discussion with Student Aid about the other loans displayed on my Student Aid account that reflects I have not met the qualifying payment obligation for loans XXXX, XXXX, XXXX, and XXXX when the loans have been paid in full or discharged. I was notified that because the loans were discharged it would still reflect on my account as if qualifying payments have not been met.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC
State: PA

Complaint narrative:
was never informed of the amount and/or account being closed and was never informed by the collector by mail. 
Both mother and father were called XX/XX/XXXX and left voicemails stating what the debt was for, asking for an attorney or me, and who the debt was owed too. 
They have called me on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX I have received no noticed by mail clarifying the debt owed and have received automated text from multiple phone numbers threatening my tradeline report. 
They have called both my parents, and myself three times on XX/XX/XXXX all leaving voicemails with information about the situation. 
I have a log of most interactions, but have had over four different numbers contact me not describing the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Creditly Corp.
State: MO

Complaint narrative:
I have already filed a complaint on this company. My complaint was closed because they responded and at the very end of their response they said they closed my account and that it was no longer able to be used. But, that is untrue because they are still taking subscription fees out of my account every month. I got charged again today another subscription fee so obviously they are scammers and they continue to take money from me. I will attach a screenshot of their response on this website. And then I will attach a screenshot of their charge to my bank account today. Showing that they in fact did not close my account and are still charging me for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Money was sent via cashapp to another consumer to book a flight for a trip and has gone missing not returning my calls or messages, not booking the flight {$160.00} sent via cashapp

Company response to consumer: Closed with explanation