vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> at around XXXX XXXX I call XXXX App Customer Service ( XXXX ) to ask about my Overdraft Amount. We never got around to even answering that question because the Customer Service Representative informed me my Cash App XXXX was unlink to my account. She transferred me to XXXX Account XXXX XXXX. Where I was on hold for XXXX mins & XXXX sec. Then hung up on unexpectedly. I called back at XXXX XXXX. Explained what had happen once again transferred me to XXXX Account XXXX Services. Again was put on hold for XXXX mins & XXXX sec. Only for someone to get back on the phone tell me all I can do is order a new card. When I went to ask question about what happen, the man started yelling in my ear saying '' ALL YOU CAN DO IS ORDER ANOTHER CARD, THEN I CANT HEAR YOU IM GOING TO HANG UP ''. He repeated this 4 times, then hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
My vehicle was declared a total loss in XX/XX/year>. XXXX insurance  issued payment based on payoff information provided directly by Citizens Bank. 

Citizens Bank advised the XXXX insurance  carrier of a payoff amount that excluded approximately {$9600.00}, which the bank later claimed consisted of late fees and interest. This amount is inaccurate, unsupported, and was never properly disclosed or itemized.

There is no factual or contractual basis for {$9600.00} in late fees and interest, and I immediately disputed the amount once it was identified. Despite the active dispute and lack of validation, Citizens Bank is continuing to report a negative balance and derogatory information to the credit reporting agencies.

This has resulted in : Improper exclusion of the full balance from XXXX  insurance coverage Inaccurate and harmful credit reporting Reporting of an unverified and disputed debt Citizens Bank has not provided : An itemized accounting of the alleged fees Contractual authority for the charges Copies of required notices showing lawful assessment of these amounts Citizens Bank is reporting an inflated and unverified balance following a total loss settlement and XXXX  payment. Reporting disputed, unsupported charges as delinquent is inaccurate and misleading and violates the Fair Credit Reporting Act.

The burden of proof lies with the furnisher of the information. Citizens Bank has failed to substantiate the alleged balance while continuing to damage my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am disputing the judgment and wage execution entered against me by XXXX, XXXX XXXX XXXX, XXXX on behalf of Discover Bank in the amount of {$16000.00} and/or any other amount. I am not a debtor of this account and am a victim of identity theft. XXXX, XXXX XXXX XXXX XXXX XXXX unlawfully pursued collection efforts on this account without verifying my identity, in direct violation of 15 U.S.C. 1681b ( FCRA ) regarding permissible purpose. Additionally, they violated 15 U.S.C. 1692e ( 2 ) ( A ) ( FDCPA ) by reporting false and misleading information about the debt. This judgment and wage execution are based on fraudulent activity, and I am requesting that they be vacated immediately. The failure to verify my identity before pursuing such aggressive collection efforts, as well as the inaccurate reporting of this debt, has caused significant harm and distress. I demand that XXXX XXXX XXXX XXXX XXXX IMMEDIATELY STOP ALL COLLECTION EFFORTS related to this account. The collection activities they have pursued are unlawful and must cease immediately to prevent further damage to my financial standing and well-being. I also request that the CFPB conduct an investigation into this matter and hold XXXX, XXXX XXXX XXXX, XXXX accountable for their unlawful actions under the FCRA and FDCPA, ensuring that corrective measures are taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am disputing the judgment and wage execution entered against me by Pressler , Felt & Warshaw , LLP on behalf of XXXX XXXX  in the amount of {$16000.00} and/or any other amount. I am not a debtor of this account and am a victim of identity theft. Pressler , Felt & Warshaw , LLP unlawfully pursued collection efforts on this account without verifying my identity, in direct violation of 15 U.S.C. 1681b ( FCRA ) regarding permissible purpose. Additionally, they violated 15 U.S.C. 1692e ( 2 ) ( A ) ( FDCPA ) by reporting false and misleading information about the debt. This judgment and wage execution are based on fraudulent activity, and I am requesting that they be vacated immediately. The failure to verify my identity before pursuing such aggressive collection efforts, as well as the inaccurate reporting of this debt, has caused significant harm and distress. I demand that Pressler , Felt & Warshaw , LLP IMMEDIATELY STOP ALL COLLECTION EFFORTS related to this account. The collection activities they have pursued are unlawful and must cease immediately to prevent further damage to my financial standing and well-being. I also request that the CFPB conduct an investigation into this matter and hold Pressler , Felt & Warshaw , LLP accountable for their unlawful actions under the FCRA and FDCPA, ensuring that corrective measures are taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
Not a duplicate complaint ford motor company is sending mail and debt collection for taxes for a debt that is over XXXX XXXX XXXX Thur there debt collections company whom i do Not remember the name of at this time. The amount owned is not correct no money is owed this debt is over well over XXXX XXXX XXXX and this company continues to do sneak tactics and scam to continue to try to extend the debt not a duplicate complaint they are continuing to try to take money from a debt that is over XXXX XXXX XXXX and not giving me time or documentation just putting in orders to take taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
For the record, I am not submitting new information at this time. I am requesting a formal written determination of the dispute filed on XX/XX/XXXX, including the final outcome and the specific reason provisional credit was not issued during the investigation period. Cash App has now stated that a final response was provided, but they never communicated the outcome of the dispute ( approved or denied ), nor provided a written explanation for the lack of provisional credit as required under Regulation E. They closed the support chat without issuing a compliant determination. I am requesting CFPB review of this procedural failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Westlake Services, LLC
State: MO

Complaint narrative:
I discovered that a Westlake Financial account was being reported on my credit report even though I did not open, authorize, or benefit from this account. After reviewing my credit report, I immediately disputed the account and reported that it was the result of fraud.

I filed a complaint and provided documentation showing that this account did not belong to me. XXXX  conducted a review and formally notified me that I may have been a victim of fraud in connection with the Westlake Financial account ( Case No. XXXX ). This determination is documented in the attached correspondence.

Despite this fraud determination, the Westlake Financial tradeline has continued to appear on my credit report, causing ongoing harm. I did not apply for this loan, did not sign any contract, did not authorize a vehicle purchase, and did not consent to Westlake Financial reporting this account in my name.

I have taken all required steps to report identity theft and dispute this account in good faith. Continued reporting of this account after a fraud determination is inaccurate and unfair. I am requesting that the Westlake Financial tradeline be removed and deleted in full in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX promised me a refund for a rental week but failed to issue it for about two weeks. Because the refund wasnt processed when it was supposed to be, my account went negative and I was hit with six NSF fees. I disputed the original charge with my bank, Chase, and XXXX eventually issued the promised refund, which confirms that my dispute was valid. XXXX waived only three of the NSF fees and told me I had reached my annual waiver limit, even though these fees werent caused by my own spending but by XXXX delaying a refund they said they would issue. Im asking for reimbursement of the remaining NSF fees that were directly caused by this error.

When I tried to escalate this issue with Chase, I was transferred multiple times between customer service and Claims. I later spoke with a supervisor, but my questions werent addressed and I was given shifting reasons for why my claim was rejected. The supervisor used a detail that I mentioned for the first time during that call as the basis for denying the claim, even though that detail had never been part of the dispute before and had nothing to do with the NSF fees I was asking to have reimbursed.

In addition, I have overdraft protection enabled on my account. Prior to this issue, my debit card transactions for things such as gas or pharmacy purchases would go through using that protection. Since this dispute process began, those same transactions have been declined, which is a change from how my account normally functions.

Because of the overdraft and card declines, I was unable to purchase gas using my debit card. Around this same time, I had an XXXX trip that involved an unexpected long distance and an added stop. XXXX support refused to review the fare and blocked my ability to dispute it in the app, leaving me without enough funds to get home. I was about XXXX miles away and had to ask strangers, friends and family just to get money to buy gas so I can make it home. This situation was made worse because my overdraft protection was no longer functioning as it normally does, and my card kept declining when I tried to buy gas ( both at the pump and inside / pre-pay ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
Yes I did a withdrawal from my business banking account with XXXX  to my cash app account ( account in question ). XX/XX/XXXX at XXXX I attempted to transfer an amount to my cash app account, amount was for {$410.00} The transaction was said failed but the money was withdrawn from my business account and did not arrive in either account afterwards. I spoke with reps from cash app they satiated that it was my business bank at first that denied the transaction but my XXXX XXXX assured me the transaction was approved hence the money being withdrawn from my account. This has put me in a financial bind and Im planning to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
SECURITY CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITY CREDIT 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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
on XXXX XXXX XXXX wire went out from my wellsfargo account in the amount of {$10000.00} to some tech company called tech pulse i have car dealership we never did any business with this company not even know where they even located called wellsfargo filed the claim my password was even changed so wellsfargo customer fraud department help me change the password but after a month today XX/XX/year> wellsfargo decline the claim they said it went from my device and i am not sure i never use my devide to do any wire for last whole month they keep telling me that claim is in process and they should get the proof from other bank for this transaction but today they told me a whole new story my wellsfargo account number is XXXX its business account under XXXX my name is XXXX XXXX and i am XXXX XXXX XXXX XXXXXXXX my number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint rega

rding Citibanks failure to honor a contractual credit card benefit. I hold a Citi XXXX XXXX XXXX, w
hich includes a {$300.00} annual hotel credit for bookings made through

the Citi Travel Portal. Despite repeated good-faith attempts to use this benefit, Citibanks systems and customer service failures prevented me from doing so, resulting in the complete loss of the credit. Over an extended period, I contacted Citi Travel, Citi Customer Service, and Citis Fraud Department numerous times regarding persistent booking failures. Each time, I completed identity and fraud verification as requested. Despite full compliance, the issue was never resolved. 

On XX/XX/2025, I attempted to make a hotel reservation through the Citi Travel Portal. The booking failed and was canceled by Citibanks system, stating that it could not be confirmed.

Immediately afterward, I contacted Citi Travel customer service at approximately XXXXXXXX XXXX Mountain Time on XX/XX/2025, which was still within the XXXX  calendar year in all U.S. time zones. I was informed that the reservation could not be completed because the booking team was located outside the United States and could not process a reservation for XX/XX/XXXX. 

As a direct result of Citibanks system failures and operational limitations, I was unable to use the {$300.00} annual hotel credit. Because Citi could not process the reservation, I was forced to book a different hotel and pay out of pocket in order to complete my travel. This loss was caused entirely by Citibank and not by any delay or inaction on my part.

I have contacted Citiba

nk multiple times and submitted a formal escalation, but I have received no acknowledgment or response. Attachments provided : Attachment 1 : Screensh
ot showing the {$300.00} hotel credit available on XX/XX/2025 Attachment 2 : Email from Citi Travel stating they could not process the reservation on XX/XX/2025 Attachment 3 : Call record showing my call to Citi Travel at XXXXXXXX XXXX Mountain Time on XX/XX/2XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXXXXXX XXXX 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 2026-01-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a Qualified Written Request ( QWR ) under Regulation X ( 12 C.F.R. 1024.36 ) to XXXX XXXX XXXX XXXX XXXX  ), requesting verification of the legal owner and assignee of a reverse mortgage loan, the identity of the current servicer, the servicing start date, the chain of assignments and transfers, servicing transfer notices, loan history, XXXX case information, and documentation relied upon to assert authority to enforce or collect the loan. 

Delivery of the QWR was confirmed via USPS Certified Mail. Under federal law, the company was required to acknowledge receipt within five business days and provide a substantive response within thirty business days. 

As of today, the company has failed to provide the requested information or a compliant response. The only correspondence received was a generic payoff statement dated XX/XX/year>, which did not address the QWR requests and did not provide proof of ownership, servicing authority, or loan transfer history. 

This failure to respond constitutes noncompliance with Regulation X. I am requesting that the company be required to provide a complete response and cease any collection or enforcement activity until the servicing error is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered my ATM card was blocked when attempting to withdraw funds at the bank. I reached out to TD customer service that afternoon. I was forced to answer a long series of questions about my financial background and credit information. After doing so, I was told that the card had been unblocked, and could be used immediately. When I inquired why the account has been blocked, the representative could not provide a concrete reason. I was told that the account could be randomly flagged by TD Bank. Without any tangible reason, I have no way to prevent something like this from happening again. 

I attempted to use the card both that afternoon again and the next day. I discovered both times that it was still blocked. I attempted to call customer service again on XX/XX/XXXX, and received no assistance again. This account has been used for years in my business. The card is used to make frequent and essential cash withdrawals. Blocking the card randomly, refusing to tell me why it was blocked, and refusing to restore access to the card despite answering long lists of security questions has caused a myriad of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL

Complaint narrative:
I am writing to inform you that I recently received verbal communication on XX/XX/year> from American Profit Recovery , Inc regarding a debt they claim I owe. In this communication, I was threatened that my score would take a hit and they'd whatever they need to receive the amount owed. I would like to express my concern over this matter, as I believe that these threats are not only inappropriate but also potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from using threats of legal action or other forms of harassment to collect a debt. As a consumer, I am entitled to certain rights, including the right to request validation of the debt in question. I have yet to receive sufficient documentation to validate the legitimacy of the debt, and until such documentation is provided, I am disputing the debt and request that all collection activities cease. I appreciate your attention to this matter and look forward to resolving this issue in a fair and legal manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: NC

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