vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Not providing me when {$2300.00} funds was credited into my checking account ending in XXXX similarly WHAT U.S. BANK deed PREVIOUSLY i.e. XXXX ALLEGED THAT MY THIS SAID {$2300.00} DEPOSIT RETURNED AND I REPEATEDLY ASKED DO PLEASE SEND ME EVIDENCE AS PROOF THAT REALLY MY THIS DEPOSIT WAS RETURNED. Oh Yes ITS FUNNY HOW U.S. BANK CAN SEND ME EVIDENCE WHEN ACTUALLY MY THIS {$2300.00} WAS NOT RETURNED. YES AFTER I SENT A COMPLAINT TO CFPB ITS JUST SENT ME XXXX WORDS READING AS : PLEASE NOTE, THIS DEPOSIT DID NOT RETURN. I ASKED U.S. BANK WHEN THIS DEPOSIT WAS NOT RETURNED WHAT INDICATED THAN WHY U.S. BANK AVOIDED THE AVAILABILITY OF THIS FUNDS BUT UNDER ITS USUAL FRAUDULENT PRACTICES AND GAMES NOT FAVORED RESPONSE. MOREOVER, U.S. BANK 'S OWN DEPOSIT RISK TEAM AS A BIGGEST FRAUD INDICATED BLINDLY THAT MY THIS SAID CHECK OF {$2300.00} MAY NOT BE PAID AS BIGGEST NONSENSE AS THIS SAID CHECK WAS ALREADY CLEARED NEXT BUSINESS DAY I.E XX/XX/year> BY XXXX BANK. I HAVE NO WORDS HOW TO SAY HOW & WHY SO GOOD U.S. BANK ALLOWS CRIMINAL ACTIVITIES, FRAUDS, CHEATINGS BASED ON 101 % HORRIBLE LIES. LET ME ADD FEW MORE WORDS BEFORE I END MY THIS EMAILS TOP GUYS, CEO XXXX XXXX AND XXXX XXXX XXXX SHOULD BE ASHAMED OVER MANY MANY MISDEEDS, MISCONDUCTS AND CRIMINAL OFFENCES AND CHEATINGS.

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 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Complaint description : I applied for an American Express credit card and was required to pay {$890.00} to open the account. Based on how this was presented to me, I reasonably believed this amount was a deposit or would be applied to my account, not a non-refundable annual membership fee. 
Within XXXX days of receiving the card, I learned the {$890.00} was an annual fee and immediately canceled the account. The card was never used. 
American Express has refused to refund the {$890.00} despite the immediate cancellation. I believe the fee was misleadingly presented, and that I would not have opened the account had it been clearly disclosed that the amount was non-refundable. 
I am requesting a full refund of the {$890.00} annual fee due to cancellation within XXXX days and lack of use, and a review of XXXX XXXX disclosure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: AR

Complaint narrative:
WILLIAMS RUSH & ASSOCIis falsely reporting on my credit. I have never had any accounts with them. Per my research WILLIAMS RUSH & ASSOCI is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received an email stating that my account application was withdrawn on XX/XX/. I applied for the account received approval emails, on XXXX XXXX  I deposited my check. I took some cash out of my deposit, the following week my job direct deposit was set up. On Monday XX/XX/XXXX  I received an email stating the below. 

" Thank you for your interest in U.S. Bank account. Unfortunately, your application has been withdrawn as required info is missing. any deposits made during the application process will be returned within 5-10 business days. '' I immediately started calling the bank, one person advised me to let my employer know of the situation to have my direct deposit reversed and stopped, I did that. I have called back this Monday XX/XX/XXXX, nothing has been resolved or sent back to me as of yet. 

I have called several departments they've all given me different answers nothing has been mailed giving me any additional information. they have not returned my funds and the representative has stated that i will receive them after XX/XX/XXXX, and it will take 5-10 business days after that.

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 2026-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to formally request consideration for forgiveness or a settlement of my private student loans issued for attendance at XXXX XXXX XXXX, XXXX, NY. I believe my loans were incurred under circumstances of misrepresentation and institutional fraud by XXXX XXXX, and I ask that Firstmark ( my lender ) take these facts into account. 

I enrolled at XXXX XXXX XXXX in XXXX and graduated in XXXX. During my enrollment, XXXX made numerous misrepresentations regarding accreditation, program quality, job placement, and career outcomes. I relied on these representations when deciding to attend and to finance my education through private loans serviced by Firstmark. 

XXXX XXXX engaged in widespread fraudulent practices, as documented in federal investigations and the schools eventual closure in XXXX. Federal student loans for XXXX XXXX attendees have been discharged under the Borrower Defense to Repayment program, establishing that ITTs actions were deceptive and harmful to students. My private loans were directly tied to enrollment at XXXX XXXX, and the fundamental basis of the loan - attendance at a fraudulent institution- renders these debts unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On my XX/XX/year>, statement, American Express charged a {$250.00} annual fee. On that same statement and on the exact same date ( the statement closing date ), an interest charge of {$2.00} was added to my account. 

Because the interest was generated and billed on the same day the fee was posted, there was no " grace period '' or opportunity to pay the balance to avoid this interest. This creates a " hidden fee '' that is mathematically unavoidable for the consumer. 

I contacted American Express to dispute this. While they waived the {$2.00} as a " courtesy, '' they refused to explain the underlying logic of the charge. They opened an investigation but closed it without providing a resolution other than the one-time waiver. My concern is not just the {$2.00}, but the systemic nature of this practice. 

If a consumer does not manually audit their statement and call to complain, American Express effectively collects an undisclosed " surcharge '' on the annual fee. This practice appears to violate the Truth in Lending Act ( TILA ) regarding clear disclosure of interest and grace periods. I am requesting that American Express provide a formal explanation of how a consumer is expected to avoid interest on a fee that is billed and interest-charged on the same day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-01-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I zelled {$900.00} from my Capital One checking account to my XXXX XXXX checking account. The payment states payment couldn't be completed, and the money was returned to me. The money was not returned nor was it deposited into my account. I filed a claim with capital one asking where my money is. They are saying that I should get a provisional credit by XX/XX/year>, even though when I filed the claim, I was told I would have the provisional credit within 10 days. Capital One has the money somewhere and it is not back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: TX

Complaint narrative:
I am disputing a debt being collected by National Commercial Services ( NCS ) on behalf of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

The alleged debt arises from a disputed insurance claim involving Additional Living Expense ( ALE ) coverage. XXXX was authorized to bill my insurer directly for approved ALE expenses. My insurer terminated ALE coverage effective XX/XX/year>, and I vacated the temporary housing on that same date with timely written and electronic notice to CRS. 

I did not occupy or approve housing beyond that date and did not receive insurance funds that were required to be forwarded to XXXX. Any disagreement regarding payment responsibility is a coverage dispute between XXXX and the insurer, not a personal consumer debt. 

Despite this, XXXX referred the matter to NCS, which is now attempting to collect the alleged balance from me personally, including adding interest. 

I have formally disputed the debt and demanded validation and cessation of collection activity. The collection attempt improperly seeks to convert an unresolved insurance billing dispute into a consumer debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ZARVAD III S.A.
State: WA

Complaint narrative:
Received text, called and was told there is a civil suit against for a loan, it is now up to {$5000.00}, I do not recall even applying for a payday loan

Company response to consumer: Untimely response
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I provided goods and services to a customer. XXXX Zelle transactions of {$100.00} each were sent to my account as partial payment related to this transaction. 

The customer later claimed that these Zelle payments were sent by mistake and opened a dispute, even though there is written evidence ( messages and invoice ) showing that the payments were related to a legitimate transaction and were authorized. 

I provided Zelle and my bank with documentation, including invoices, written confirmations, and message conversations, which showed that the customer acknowledged the service, the amount owed, and stated that payment would be made via Zelle. 

Despite this evidence, I was informed that the dispute was not resolved in my favor and that the customer has not formally withdrawn the case from her bank, even though the dispute was opened in error. 

I contacted Zelle customer service multiple times and requested a reinvestigation, as well as a written explanation. I was advised that the sender must contact her bank to withdraw the dispute, which has not been done. 

I am requesting a full reinvestigation of this case, a written explanation from Zelle/bank, and a proper review of the evidence showing that the transactions were authorized and related to a valid business transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Submitted a dispute to have creditor removed from credit report. Creditor do not belong to me. Asked for originally documents, and they were unable to provide. Furthermore it has been more than 30 days and still have not removed the item although the status came back as unverified. Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), failure to complete an investigation within 30 days requires deletion of the disputed item.

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 2026-01-09 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Giggle Finance Inc.
State: NC

Complaint narrative:
I have an installment loan with Giggle Finance with scheduled weekly payments of {$150.00}. My bank statements show three payments were successfully posted and funds were withdrawn by Giggle Finance : XX/XX/XXXX ( {$150.00} ), XX/XX/XXXX ( {$150.00} ), and XX/XX/XXXX ( {$150.00} ). 
Giggle Finance later claimed the XX/XX/XXXX payment failed/ was not received, despite my bank showing it posted/cleared. In the same SMS customer care thread, after I stated that my records show the payment was made and funds were withdrawn, a Giggle representative responded Yes, thank you, acknowledging receipt. After that acknowledgment, Giggle continued to assert the XX/XX/XXXX payment was not received and threatened default/collections unless I paid again. 
I repeatedly requested ( 1 ) a complete payment ledger showing how each payment was applied, ( 2 ) the processor trace/reference IDs and final disposition for the XX/XX/XXXX transaction ( captured vs reversed/returned ), ( 3 ) a case number and supervisor/escalation contact, and ( 4 ) confirmation that no default/late fees or collections actions would occur while the discrepancy is investigated. Giggle refused to provide these details and repeatedly directed me to resolve the issue only via SMS, where I have not received the requested documentation or escalation path. 
Because Giggle was making repeated debit attempts and I could not stop the erratic withdrawals through the company, I stopped future auto-debits through my bank to prevent duplicate withdrawals while the payment discrepancy is investigated. I am not refusing to pay ; I am requesting that Giggle correct its records to reflect the posted payments, provide trace/reference information for the disputed payment, apply any advance/extra payment as a credit toward the next scheduled installment, and confirm in writing that my account is current and not in default due to this payment processing discrepancy. 
What I want : Correct payment posting/ledger ; 2 ) Provide trace/reference IDs and final disposition for XX/XX/XXXX ; 3 ) Stop duplicate/erratic debits ; 4 ) Written confirmation of account status ( no default/fees/collections related to this dispute ) ; and 5 ) A case number and supervisor/escalation contact.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2026-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase restricted my account beginning in early XX/XX/XXXX and has prevented me from selling, withdrawing, or transferring my crypto assets for over three months. The current value of the assets being held is approximately {$30000.00}. I invested more than this amount, and during the restriction period the value declined by approximately {$10000.00}, while I was unable to sell or transfer the assets due to Coinbases actions. 

Coinbase has blocked all functionality needed to liquidate or move my crypto, including selling to withdraw funds and transferring assets to an external wallet. As a result, I have had no control over my assets and have been exposed to ongoing market risk, including missed opportunities to sell at higher prices. 

I made repeated good-faith efforts to resolve this directly with Coinbase. I opened multiple support cases and spent extensive time speaking with Coinbase representatives, but I did not receive any written responses or resolutions. The following support cases were opened without resolution : Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX I submitted a formal complaint to Coinbase, which they acknowledged, stating that their internal review process may take up to 45 business days, despite the fact that my assets have already been inaccessible for months. No explanation, actionable steps, or timeline for restoring access has been provided. 

I am seeking resolution because Coinbases continued restriction is unreasonable and is causing ongoing financial harm. I am requesting immediate access to sell my assets and withdraw the funds, or permission to transfer all assets to an external wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
At approximately XXXX on Sunday, XX/XX/year> my debit card information was used to open an Affirm loan for XXXX XXXX Dollars. The loan was pre-approved and XXXX XXXX Dollars of the payment plan total was taken out of my bank account without my authorization. 

On Monday, XX/XX/year> at XXXX I submitted a dispute request directly through Affirm.com after going to my bank and submitting a dispute investigation along with a cancellation of my debit card. 

Affirm contests that due to my account information being entered correctly and my IP address ( which they have not shared ) as being " my location '' ( which they never confirmed with me what that location was ) I was still accountable for the loan. I was told that with a official police report and all communications I had with the fraudulent loans they would re-investigate. However, less than XXXX hours of submitting this additional information ( not limited to but inclduing : official police report and XXXX emails ) Affirm still contests that I am responsible citing the same reasons from the initial " investigation '' with no additional reasons stemming from the police report. The only other " reason '' is I should have submitted a contest quicker ( again, less than XXXX hours after I found out and the loan was taken out in my name ). 

Additionally ( though no fault to Affirm ) the XXXX  " XXXX  '' in which this non-authorized loan was taken out, no longer existed as soon as XXXX hours after the loan was taken.

Company response to consumer: Closed with explanation