vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had a promotional plan with bread financial ( XXXX XXXX credit card ) that was due to expire on XX/XX/XXXX. I sent in a payment to clear the balance of {$1400.00} with the XX/XX/XXXX payment slip. On XX/XX/XXXX i called and spoke with someone as it still showed that I had a balance on this promotional plan and was told that everything was paid off and that they didn't know why my XX/XX/XXXX still showed a balance. I have since found out that they applied {$51.00} of this amount to the promotional plan that was set to expire on XX/XX/XXXX and that the rest was applied to a new promotional plan that was not even on the XX/XX/XXXX statement. Bread financial then added {$2700.00} in deferred interested from this XX/XX/XXXX promotional plan stating that it was not paid in time. I have contacted them many times to have this issue resolved it is not. I have contacted a lawyer who has reached out to them. I have attached a copy of the letter that the lawyer has sent them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital Systems , LLC has been attempting to collect an alleged XXXX XXXX credit card debt that I am disputing and requesting validation for. Since approximately XX/XX/year>, I have received repeated collection communications, including approximately XXXX text messages regarding this alleged debt. I requested proper validation and verification of the account, including documentation proving the accuracy of the debt, ownership of the account, and supporting records. At this time, I do not believe sufficient verification has been provided. I am requesting that the company properly investigate and validate this alleged debt and ensure that all reporting and collection activity complies with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My XXXX was stolen and did XXXX XXXX transaction with dcu debit card was not authorized by me but bank send me notice those transactions are authorized by me amount {$1400.00} cents

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 2026-05-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
on XXXX XXXX I authorized an ACH payment of {$1500.00} from my business checking account to XXXX XXXX XXXX for wholesale merchandise. The vendor provided an invoice, accepted payment, and never delivered the goods, provided tracking information, or responded to any follow-up communications. I contacted Chase Bank to dispute the transaction and recover the funds. Chase declined to assist, stating the transaction was authorized. However, the authorization was obtained through fraudulent misrepresentation by the vendor. I am requesting CFPB intervention so Chase Bank investigates this case and recovers the funds sent to a fraudulent vendor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I disputed a credit card charge of approximately {$200.00} related to a subscription renewal that I was not provided meaningful authorization, consent, or awareness of. I did not knowingly approve or meaningfully consent to the renewal charge. The charge was initially removed from my account after I disputed it, but I later learned that the dispute had been denied or reversed and the charge was reinstated. At the time the charge was reapplied, I was not meaningfully aware that the dispute had been denied. Because I did not know the disputed amount had been placed back onto my account, I also did not realize that interest charges and fees were continuing to accrue. As a result, the original approximately {$200.00} charge grew to approximately {$330.00} due to interest and related charges. Since learning of the issue, I have made repeated attempts to contact Bank of America to resolve the matter, including multiple calls with excessive hold times exceeding XXXX minutes. I continue to dispute both the original subscription renewal charge and the related interest and fees associated with it.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Writing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Notice To Whom It May Concern, This letter serves as a formal demand that LVNV Funding LLC immediately cease and desist from all collection activities, reporting, and communication regarding the alleged debt associated with my name unless proper validation of the debt can be provided as required under federal law. I dispute the validity of this alleged debt and request that you cease all contact with me except to provide legally required verification of the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation and to demand that collection communications stop. You are hereby instructed to : Cease all telephone calls, emails, letters, and other forms of communication regarding this alleged debt. Cease reporting this account to any credit reporting agencies if the debt can not be fully validated. Provide complete validation of the alleged debt, including the original creditors name, the amount owed, and documentation proving your legal authority to collect. Failure to comply with this request may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office, along with any other legal remedies available to me. This letter is sent without admission of liability and without waiver of any rights under federal or state law. I expect compliance within 10 business days of receipt of this notice. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Deposit of {$59000.00} of XX/XX/year>. Bank confirmed deposit. Said funds available next day. They were. Then without notice entire funds of entire account were unavailable despite stating over {$50000.00} available. Bank received funds as I have proof they were debited and cleared by sender bank posted as XX/XX/year>. Wells refused to identify the portion of which {$6700.00} must be made available after 2 days and was not. Wells REFUSES to identify other than by computor that the total amount was withheld. Wells threatened me that Wells debanks customers who raise concerns. Wells Private Banker refuses to reply to messages.

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 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
Complaint Against Bonneville Collections I am submitting this complaint regarding the collection practices used by Bonneville Collections concerning a debt account that I have been actively paying in good faith. I have consistently made monthly payments of {$170.00} plus a {$5.00} convenience fee, for a total monthly payment of {$170.00}. These payments have been made regularly and in good faith toward resolving the debt. During a recent telephone conversation, I was informed that beginning in XXXX my payment amount would need to increase due to company policy procedures. During this conversation, the representative did not ask any questions regarding my financial situation, hardship circumstances, income, expenses, or ability to pay. No effort was made to understand why I needed to maintain my current payment arrangement. Instead, I was told that if I did not agree to the increased payment amount, the company would find other ways to collect the money by any means necessary, including garnishment and court action. I was also advised that if I could not afford the increased payments, I should consider obtaining a loan to pay the debt off immediately. this conversation was also recorded on their phones date XX/XX/year>. I found these statements intimidating and inappropriate considering that I have not refused payment, have maintained consistent payments, and am actively attempting to resolve the debt responsibly. My family is currently experiencing financial hardship due to ongoing medical expenses related to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Increasing the payment amount beyond the current {$170.00} per month would create a serious hardship and may affect my ability to pay essential living expenses, including rent, utilities, and current medical bills. The remaining balance on the account is approximately {$1100.00}, which would be paid off within approximately six to seven months under the current payment arrangement. I have requested to continue making payments of {$170.00} at the end of each month until the debt is satisfied. I am requesting that this matter be reviewed and that Bonneville Collections cease using intimidating collection tactics against consumers who are actively making good-faith payments. I also request that my current payment arrangement be honored without additional threats of garnishment or aggressive collection action while I continue making regular monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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 have held my Capital One XXXX card for over XXXX years without any issues ; however, the company switched my network affiliation from XXXX to XXXX without my authorization. When I requested that my card be switched back to XXXX, they stated that they could not do so. When I requested proof of my authorization, they did not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 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: U.S. BANCORP
State: AZ

Complaint narrative:
I am filing this complaint regarding Elan Financial Services handling of a billing dispute related to an XXXX transaction in the amount of approximately XXXX USD. I disputed this transaction because the lodging service provided was materially different from what was advertised and lacked essential utilities during the stay. Specifically : - The rental unit lost electricity XXXX and hot water for approximately XXXX hours during the stay - We were unable to contact the host because both XXXX and cellular service were unavailable at the property - We were required to leave the property to obtain cell service in order to report the outage - The host instructed guests to troubleshoot electrical breakers themselves rather than providing direct assistance - There was no reliable hot water for the duration of the stay I provided Elan Financial Services with : - Detailed written documentation - Message history with the host confirming the outage and troubleshooting instructions Photos - Documentation showing the merchant issued only a partial refund acknowledging service issues Despite this evidence Elan Financial Services denied the dispute stating that I received the services represented by the transaction. I do not believe the investigation reasonably considered the material failure of essential utilities or the documentation showing the host acknowledged these issues. This dispute was not based on subjective dissatisfaction or minor quality concerns. It involved the loss of essential services including electricity communication access and hot water during a paid lodging stay. I am requesting : - A reconsideration and manual review of the dispute - Copies of all documentation and merchant evidence relied upon in denying the claim - Clarification regarding how the investigation concluded that the services were adequately provided despite the documented utility failures I believe the investigation did not adequately evaluate the evidence submitted and improperly categorized the dispute as ordinary dissatisfaction rather than material failure of services.

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 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CT

Complaint narrative:
My Cash App account was abruptly suspended a week ago due to alleged " potentially fraudulent or unsupported activity. '' Contacting support to ask what specific transaction or date triggered this was a practice in frustration and the interaction was a total farce and waste of not only my time, but the company 's investment into their support infrastructure. Multiple representatives practically mocked my situation by repeatedly pasting the exact same automated scripts over and over again. Even after I explicitly called them out and asked why they were repeating irrelevant information instead of answering a single, simple question, they doubled down on the macros and completely refused to provide any transparency, hung up on me, ended the chat and/or passed me to the next rep who repeated the same behaviors. While my account remains frozen and restricted from adding or sending money, I have an outstanding balance through the Cash App " Borrow '' feature. I am ready and willing to repay this debt immediately to avoid penalties. However, Cash App 's own systemic account restrictions actively block me from adding funds to my account to clear the balance. Despite physically preventing me from mitigating my debt, Cash App has the audacity to continuously charge me interest and accumulate fees on this unpaid balance. They have created a predatory financial trap : locking me out of the repayment mechanism while actively penalizing me for non-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: MS

Complaint narrative:
This issue is not resolved. XXXX has failed to comply with multiple federal requirements under Regulation Z and RESPA. 1. I submitted a formal Regulation Z error resolution request, and XXXX never provided the required written response within the mandated timeframe. 2. Despite the open Reg Z dispute, XXXX reported my mortgage late again, which is prohibited during an active error resolution investigation. 3. XXXX has not corrected the account, has not provided the Reg Z findings, and has not supplied any documentation explaining their actions. 4. Their continued reporting activity during an open dispute constitutes ongoing noncompliance and has caused additional credit harm. I am requesting that the CFPB keep this complaint open and require XXXX to provide a complete, compliant Regulation Z response and remove all late reporting that occurred during the active dispute period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I called XXXX XXXX on XX/XX/year> to dispute the amount of the debt after going through the excessive questions that they already had, they requested that I pay them by debit card a XXXX to get the process started. When I refuse to give my debit card number she said then file it yourself then she said you can disconnect the call now. I called the number on their website XXXX. I never charged XXXX dollars to this credit account because they didnt allow me to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
I have been receiving multiple telemarketing calls per day from this company. I answered and explicitly asked them to remove my phone number from their call list and stop calling me. Despite my request, the calls have continued. I am receiving calls multiple times daily, including before XXXX XXXX and after XXXX XXXX in my local time zone of XXXX XXXX, Florida. These calls violate the Telephone Consumer Protection Act. The TCPA prohibits telemarketing calls before XXXX XXXX or after XXXX XXXX, and requires companies to honor do-not-call requests within a reasonable time. I revoked consent and they ignored it. I am requesting that your office investigate this company for TCPA violations and take enforcement action. Please add my number to any relevant suppression lists and confirm this company has been notified to cease contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I am filing a complaint regarding a disputed credit card debt associated with my My Best Buy Visa Card issued by Citibank/Best Buy Credit Services . On my account statement dated XX/XX/year>, the account clearly reflected a new balance of {$0.00}, a minimum payment due of {$0.00}, and a past due amount of {$0.00}. The statement also shows that a payment of {$3100.00} was received and applied to the account, bringing the balance to zero. Despite receiving this zero-balance statement, I have now been served with a court notice attempting to collect on this same account. This is confusing, misleading, and appears inconsistent with the account records previously provided to me by the creditor. I dispute the validity and accuracy of the alleged debt being pursued. I request : Full validation and accounting of the alleged balance being claimed. An explanation as to why a zero-balance statement was issued if the creditor now claims money is still owed. Copies of all payment history, charge-off records, and documentation supporting the lawsuit. Immediate correction of any inaccurate credit reporting related to this account. Suspension of collection activity until the debt is properly verified. Attached is a copy of the account statement showing a {$0.00} balance and no amount due. I believe this matter may involve inaccurate recordkeeping and potentially unfair collection practices. I am requesting a full investigation into this matter.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, 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 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