vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Did a digital direct deposit on XXXX for the amount of {$2000.00} from employer. 
Received notification that it was pending, and then that it had cleared. 
Monday morning, notifications that our account was - {$730.00}, the transfers we completed over weekend were undone, money from transfers was lost. Transfer was noted on account it was transferred to. 
Told our accounts were locked down, related to the check deposit above. That accounts are pending closure. 
Told we needed to provide a notarized letter from the employer that they wrote that check to us for that amount. Note was provided, employer even went to the branch.

Letter was sent from branch to the main departments. 
2 days later they are still saying they didn't receive letter, branch office notified them again of the letter and copy of check being received and verified. 
Multiple calls, all stating account is under review and pending closure. 
Another call after an hour hold, note saying they received the letter at XXXXXXXX XXXX today XX/XX/12. Its under review, can take XXXX hrs. to review. 
Unable to access any funds at all. 
The deposited check is real, from current employer, current employer does direct deposits as well weekly. Check was deposited into a separate account we don't use often. Not affecting our many accounts. 
As of now XX/XX/12 we have no access to any of our funds- unable to get gas, food, pay bills. The check was cleared, before they put the hold on the account per Huntington Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Climb Credit Inc.
State: MN

Complaint narrative:
I contacted Climb Credit to go about cancelling a loan with a school program they knew was an issue. 
Unfortunately for my situation the school ceased to inform students that it wasnt running anymore and that they where not an accredited program. So i have been paying a loan to a program i can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a CPU from XXXX through a third-party seller for {$1700.00}, using financing through Affirm. The product listing stated that the item was a XXXX XXXX XXXX XXXX, which is what I intended to purchase. 
However, when I received the item, it turned out to be a XXXX XXXX XXXX, which was not what was advertised. The listing was misleading and incorrect. 
Believing I had received the correct product, I attempted to install the CPU into my compatible motherboard. Because the item was different from what was described, it did not fit properly and caused damage and sparking during installation. For safety reasons, I immediately stopped using it, poured water on it to prevent further risk, and disposed of the damaged item. 
I contacted XXXX customer service to report that the item was not as described and caused damage. XXXX informed me that they could not issue a refund unless I returned the item. I explained that the product was damaged and disposed of due to safety concerns, but they still refused to process a refund. 
I also contacted Affirm and filed a dispute, explaining that the product was misrepresented and unusable. However, Affirm denied my dispute based on the merchants return policy. 
As a result, I am being required to pay {$1700.00} for an item that was falsely advertised, unsafe to use, and no longer usable. I made good-faith efforts to resolve this issue with both XXXX and Affirm but have been unable to receive a refund. 
I am requesting a full refund and removal of this charge due to misleading advertising and the unsafe nature of the product I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I applied for a credit card with XXXX. The physical card never arrived no mail, no delivery, nothing. But later I found out that someone activated it and made purchases at a gas station and XXXX for about {$600.00} plus fees, almost maxing out the credit limit. 

I received a message from the bank on XX/XX/XXXX stating that the card was activated and transactions were made. The actual charges occurred on XX/XX/XXXX. I contacted the bank immediately that same day. They told me the activation supposedly happened using my phone number on XX/XX/XXXX. However, on XX/XX/XXXX I only submitted the application, and the system automatically prompted me to create an online account which I did, and that was it. I had no idea that creating an account could be interpreted as activating the card. 

I was waiting for the physical card, because the card could not be used digitally it could not be added to XXXX XXXX or any other digital wallet. Only the physical card could be used. 

The bank insisted that I made the purchases because the card was activated. Then they said they would open an investigation. Two days later, they closed it, denied my dispute, and claimed that I used the money. A week later, they sent me a new card, which remains unactivated.

I have filed multiple disputes since then with no response. When I call the bank, they tell me : You need to pay first, then there will be an investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
On or just after XX/XX/XXXX, I opened a Carters Credit Card. I charged approximately {$30.00} worth of baby clothing. On XX/XX/XXXX, I received a statement claiming I missed my XXXX payment ( but I never received a statement prior to this ). I called the XXXX number immediately and spoke to a representative. I explained the situation and told them that I was shocked to be charged not only a late payment fee of around {$37.00} but also an interest charge and a paper statement fee. I was told as a one time courtesy they would remove the late fee but I would have to pay the 2 other fees as well as my initial charge. I immediately paid {$35.00} over the phone using my debit card and then asked to close the account. I was told it was all set and that I would receive a letter in the mail confirming it was in fact closed. On XX/XX/XXXX, I received a statement in the mail claiming I owed the original late fee, another paper statement fee as well as an additional late fee of {$42.00}. I immediately called the company as i was livid that i now owed almost {$80.00} when i was told my account was XXXX balance and closed. I went thru about 5 representatives who i explained everything to until finally speaking with a supervisor. I was told that because i closed the account, that i would have to pay the original late fee and i argued that i was never told that when I closed it and if i had been, i would have waited to close the account.She asked if she could listen to the original call and i agreed. She came back on the line once while she was listening to the original phone call ti let me know she was almost done. At approximately the 30 minute mark of being on this phone call, she came back on the line and said nothing and then disconnected the call. I called back and got nowhere so I am now contacting you to help me as to what I should do next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My PNC Bank account was suddenly restricted in XX/XX/year>. At that time, there was still {$1500.00} remaining in the account. I called customer service, and they told me I needed to wait two months for a resolution and that someone would call me back. However, I never received any follow-up call. 

In XXXX, my account was officially closed. I contacted PNCs official customer service again, and a representative told me that a cashiers check for {$1500.00} had been issued and mailed to me on XX/XX/XXXX, and that I should wait to receive it. However, I never received the check. 

Recently, I visited a local branch in person. The branch staff told me that no check had been issued and advised me to wait for a callback. I never received any call. I then contacted customer service again through PNCs official website chat, and they again confirmed that a check had been mailed on XX/XX/XXXX. 

After that, I received a phone call stating that I would not receive any check and that my funds had been taken by the claims department, and that I would not be able to recover my money. 

All of the people I contacted were PNC representatives. I am receiving completely contradictory information, and I do not know who is telling the truth. My money has seemingly disappeared from the bank without explanation. I am extremely frustrated and angry about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: MS

Complaint narrative:
I tried to pay small payments but they added another account to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This is a continuation of the original complaint these XXXX XXXX  will not get away with charging ME FOR MY STATEMENT AND I WANT AT XXXX {$1000.00} FROM THESE FOLKS AND HOPEFULLY YOU CAN ALSO HIT THEM UP WITH HUGE FINES AS WELL THIS IS CITIZENS BANK AT XXXX  CITIZENS XXXX XXXX, RHODE ISLAND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation
State: TX

Complaint narrative:
Hello, I am submitting a formal complaint regarding Account # XXXX. 

I am disputing this alleged debt because I do not believe it is mine. 

After receiving a collection letter, I contacted Concord Financing to request : An itemized statement of the balance owed Documentation showing how the amount was calculated A copy of any signed agreement or contract showing that I agreed to pay this debt Proof that I am legally responsible for this account When I called Concord Financing, I was told that I could not dispute the debt with them and that I needed to contact XXXX XXXX XXXX XXXX directly. However, the collection letter clearly states that I have the right to dispute the debt. 

When I attempted to open a dispute over the phone, I was told they could not accept my dispute, despite the letter indicating that disputes are permitted. Because of this, I submitted my dispute via email. 

I am requesting : 1. Full validation of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), including : 2. An itemized accounting of the balance 3. Copies of any signed contracts or agreements bearing my signature 4. Proof that Concord Financing has the legal authority to collect this debt Confirmation that my dispute has been formally opened and documented Written verification that collection efforts will cease until proper validation is provided It is concerning that I was told I could not dispute the debt despite the written notice stating otherwise. This appears inconsistent with federal consumer protection laws. 

I am requesting that this matter be investigated and that the company comply with federal debt validation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: RI

Complaint narrative:
I recently attempted to open bank accounts and obtain housing, and I was denied due to information being reported by consumer reporting agencies including ChexSystems, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX. 

I requested my consumer file disclosures to determine what information is being reported about me. Some agencies did not provide complete disclosures, and others are reporting information that is inaccurate, incomplete, or unverifiable. 

As a result of this reporting, I have been denied the ability to open bank accounts and secure housing. This has caused financial hardship and instability.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681i ), I have the right to : A complete and accurate disclosure of my consumer file Proper verification of any reported information Deletion of any information that can not be verified I am requesting : 1. A full and complete consumer file disclosure 2. Removal of any inaccurate, outdated, or unverifiable information 3. Written confirmation of corrections I am seeking a fair resolution so I can access financial services and housing without unlawful reporting barriers.

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 2026-02-12 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/year> I received a letter from Discover Card showing that someone using my name, address and/or social security number submitted an online application for a new Discover Card. I do not have a Discover Card. The letter was dated XX/XX/year>. 
I called the number on the letter and provided my name and application number that was on the letter. They told me the application was made on XX/XX/year> and said they would a report it as fraud and change the inquiry from hard to soft. 
I have contacted XXXX, XXXX XXXX and XXXX  and had them freeze my credit. I signed up for credit monitoring thru Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
in regards to previous complaint filed XXXX : Rebuttal to Company Response ( XXXX # XXXX ) I am disputing the servicers response. The servicer has provided copies of " short pay '' letters dated XX/XX/XXXX and XX/XX/year>. I maintain that I never received these letters, nor did I receive the original XX/XX/year> escrow analysis. 

The servicers defense is logically inconsistent : Lack of Proof of Mailing : Producing a PDF from a computer system is not legal proof of delivery. Under RESPA ( 12 C.F.R. 1024.17 ), the servicer must actually " deliver '' notice. I request the servicer provide the official mail logs or a " certificate of mailing '' for these specific dates to prove they were ever placed in the XXXX XXXX

Contradictory Behavior : The servicers letters state they " can not accept short payments, '' yet they accepted my XXXX and XXXX payments in full. By doing so, they reinforced my belief that I was paying the correct amount. 

The " Indicator '' Fallacy : The servicer previously claimed a returned payment should have alerted me. However, since they accepted the XXXX and XXXX payments, there was no " returned payment '' alert for sixty days. 

The XXXX delinquency in XXXX was a " trap '' created by the servicer 's failure to provide notice and their sudden, unannounced shift from accepting payments to rejecting them. I request the immediate removal of this late mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX  XXXX XXXX, a faith-based ministry organization, used a business credit card issued by Capital One to purchase a XXXX XXXX XXXX ( 512GB ) device from a XXXX XXXX retail location in the amount of {$530.00}. 

The device was purchased for ministry-related digital outreach initiatives, including interactive and immersive educational content. Upon first use, the device exhibited a battery defect and was not functioning properly. We attempted to return the product within the applicable return window. 

The store refused the return due to a serial number discrepancy between the sales receipt and the device itself. The receipt listed the serial number as XXXX, while the serial number printed on the device was XXXX. This discrepancy existed at the time of sale and was outside of our control. 

A dispute was filed with Capital One. Capital One denied the dispute and repeatedly requested proof that the store declined the return. While physically present at the store, we requested written documentation confirming the return refusal. XXXX XXXX declined to provide any written statement or documentation confirming that the return was denied. 

Because the merchant refuses to provide written confirmation of the refusal, it is impossible to supply the documentation Capital One is demanding. Despite explaining this limitation and resubmitting the dispute, Capital One closed the claim again. 

Capital Ones handling of this matter raises concerns regarding the adequacy of its investigation. Specifically : 1 ) Capital One denied the dispute without demonstrating that it conducted a reasonable investigation into the documented serial number discrepancy at the point of sale.

2 ) Capital One required documentation that the merchant explicitly refused to provide, effectively imposing an impossible evidentiary standard as a condition of dispute approval.

3 ) Capital One denied the dispute without providing sufficient supporting merchant documentation explaining how responsibility was assigned despite the serial mismatch and defective merchandise.

These circumstances raise concerns regarding the adequacy of Capital Ones investigation under 15 U.S.C. 1666 and related consumer protection standards governing billing error disputes.

As a small ministry organization operating on limited resources, being held responsible for defective merchandise due to a point-of-sale serial number discrepancy has a material financial impact.

We respectfully request regulatory review of Capital Ones investigation procedures and its repeated closure of this dispute despite documented evidence and the merchants refusal to provide written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Things have been tough. My car got repossessed multiple of times because I missed payments. Furthermore I had to pay {$2800.00} just to get it back. Payment were due on the XXXX, and were {$570.00} each month. I was really trying to make ends meet, but it was just too hard. XXXX and XXXX helped out when they could, but it wasn't enough. I wasn't earning enough, and in hindsight, I rushed into the car purchase I was making my payments to Ally servicing

Company response to consumer: Closed with explanation