vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I am writing in response to your listing of a collection account on my credit report from XXXX : I received my credit report on XX/XX/year>. The account in question is listed as follows : Collection Agency : National Credit Adjusters LLC Account Number : XXXX Amount : {$1400.00} Original Creditor : XXXX XXXX I am formally disputing this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. This letter is a formal request that you provide me with competent evidence that : I have a legal obligation to pay this debt to National Credit Adjusters LLC You have the legal right to collect this debt. You provided me with written notice of this debt as required by law. Please provide me with the following information to satisfy my request for validation : The original signed loan or credit agreement with XXXX XXXX that bears my signature. A complete and itemized account history, Including a breakdown of the principal, interest, and fees that make up the {$1400.00} balance. Documentation proving the chain of ownership from the original creditor ( XXXX XXXX ) to National Credit Adjusters LLC, establishing your legal right to collect. A copy of the written notice you sent me notifying me of this debt, as required by the FDCPA. And proof that I received said notice. If you can not provide all the information and documentation necessary to satisfy this request for validation, you must immediately cease all collection activities and delete this account from all credit bureaus to which you have reported it. I await your response within XXXX days as provided by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
The law firm that they deal with to handle the debt, I paid {$900.00} to at end they said i settled the debt also in the reciept states balance is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: WI

Complaint narrative:
Blackhawk Network regarding an unjustified block placed on my prepaid card issued as part of the XX/XX/XXXXdata breach settlement. I received this prepaid card with an approximate balance of {$220.00}. However, my card has been blocked, and I have been unable to access my funds. I was instructed to verify my identity, which I complied with by submitting clear photos of myself holding my government-issued photo identification, as requested. Despite fully completing the verification process, my card remains blocked and my funds are still being withheld without clear explanation or resolution. This situation is unacceptable, as these funds rightfully belong to me, and I have already met all requirements to regain access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal credit union froze my account stating that I was involved in fraudulent activities. I was a victim of identity theft and scammed. I requested evidence on which they drew their basis to date they have not provided any evidence. This is a case of identity theft and their investigation or conduct was deemed unmeasurable. I am no high risk to any banking institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a CFPB complaint disputing inaccurate credit reporting related to a vehicle repossession. The company confirmed that a single repossession occurred, the vehicle was sold, and the account was charged off. However, the account continues to be reported with month-to-month repossession ( RPO ) indicators for an extended period after the repossession and sale. In addition to the continued repossession reporting, the account is being reported with inaccurate and misleading information, including continued monthly derogatory updates after the account was closed, inconsistent account status following repossession and sale, and reporting that creates the appearance of ongoing negative activity rather than a single historical event. This continuous reporting makes the derogatory event appear more recent and ongoing, which is misleading. On XX/XX/year>, the company responded to the prior complaint and stated that it would continue reporting repossession status each month as an ongoing condition. The company provided loan documents but did not correct the reporting, address the continuous derogatory updates, or explain the reporting methodology. I disputed this reporting because repossession is a single event, and post-sale months should reflect accurate post-repossession status. Continued monthly repossession reporting, ongoing derogatory updates, and inconsistent account status create inaccurate and misleading reporting. Despite my dispute and prior CFPB complaint, the inaccurate reporting continues. The companys investigation did not correct the issue, and the continued reporting negatively impacts my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
I have always used my Cash app card since XXXX, I signed up because it was the only app at the time that allowed me to send my minor little brother money. I have used this card consistently at the same places for just that amount of time. Fast-forward to XXXX, XX/XX/XXXX @ XXXX I received an email saying my account has been closed for violating terms of service. HOW? I use my cash app card for exactly what they advertise I use it for! I missed this email, and went on about my morning around XXXX oclock, I tried to use my card and it declined. I checked the app and it told me account closed. I contacted support, they told me to file an appeal because they can not see anything on their end, it will take XXXX business days to get back to me. Within XXXX business days, I got an email saying they will NOT open my account back and still has yet to give me a reason. I understand that Cash app is not a bank, however, they advertise all of these features yet not a soul can have trust in them. I have had XXXX tax returns through them, work direct deposits & my XXXX XXXX BANK CARD is connected to the account. I simply dont believe that cash app is running the correct system for the public to even trust. I just want my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding AutoNation Finances continued collection on an auto loan associated with VIN XXXX that is formally disputed and currently the subject of active litigation in XXXX XXXX XXXX XXXX, Case No. XXXX. The underlying transaction involves misrepresentation, non-disclosure, and the inclusion of unauthorized add-on products that inflated the loan balance. Prior to and following the filing of this lawsuit, multiple written notices, demand letters, and regulatory complaints were provided to AutoNation and related entities outlining the disputed nature of the transaction and the invalidity of portions of the balance. Despite having actual notice of the dispute and the pending litigation, AutoNation Finance continues to service and collect on the account without providing any written explanation addressing the disputed charges, without confirming that the account has been properly flagged as disputed, and without clarifying how collection activity is being handled while the matter is unresolved. This results in ongoing financial harm through continued payments on a balance that includes charges that were not properly disclosed or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX Capital One, andXX/XX/XXXXXXXX regarding the closure of my accounts after I reported that I was a victim of identity theft. I notified these institutions that I had been the victim of identity theft and that certain accounts and/or transactions were unauthorized. I took appropriate steps to report the fraud, including disputing the accounts and requesting investigations. Despite my proactive efforts and cooperation, my accounts were subsequently closed by these institutions my credit card frozen by XXXX XXXX. I find this action deeply concerning and unfair. Instead of assisting me as a victim of identity theft, these institutions took adverse actions that have negatively impacted my financial standing and access to banking services. I believe this reflects a failure to properly investigate my claims and to provide the protections afforded to consumers under applicable laws, including the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection regulations. As a result of these closures, I have experienced significant hardship, including difficulty managing my finances and potential damage to my reputation as a consumer. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the following : XXXX. A full and fair investigation into my identity theft claims by each institution. XXXX. Written explanations for the account closures. XXXX. Correction and deletion of any negative reporting related to these incidents. XXXX. Restoration of my accounts, if appropriate, or assistance in mitigating the harm caused. I have acted in good faith throughout this process and expected these institutions to support me as a victim of fraud, not penalize me. The only institution that was willing to assist was XXXX XXXX XXXX bank Bank who spotted and was able to trace the culprit and source of the fraud. Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I used my Navy Federal credit card to pay {$1400.00} for a shortterm rental stay from XX/XX/year>. During the stay, multiple conditions made the unit unsafe and not reasonably usable, including inadequate heating ( temperatures in the XXXX XXXX ), repeated smoke alarm activation during normal oven use, ventilation issues, a burning plastic odor, and a cracked ovensafe dish that caused an injury. I documented these issues and communicated with the merchant during and after the stay. The merchant acknowledged the conditions in writing and confirmed that a 50 % refund would be issued, but no refund was ever received. I then filed a billing dispute with Navy Federal and submitted documentation including the merchants email acknowledgments, a timeline, photos, temperature screenshots, and the booking receipt. Despite this, Navy Federal repeatedly denied the dispute stating that the service was fully utilized or that there was no cancellation or early checkout. I clarified multiple times that my dispute was not based on cancellation but on unsafe or defective conditions and an unfulfilled refund agreement. Navy Federal continued to deny the dispute without addressing these clarifications or the documentation provided and ultimately closed the case. I am submitting this complaint to request a review of how Navy Federal evaluated and handled the credit card dispute, including whether the documentation was fully considered and whether the dispute was classified appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, COMENITYCAPITALXXXX XXXX XXXX, COMENITYCAPITALXXXX XXXX XXXX, XXXX XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that XXXX XXXX XXXX, COMENITYCAPITALXXXX XXXX XXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank debited {$11000.00} from my business account on XX/XX/year>, and applied it to a business credit card debt. This debt began during the COVID-19 pandemic when my business operations were severely affected and work stopped for an extended period of time. During that time, I used credit to cover essential expenses such as food and other necessary bills. I never had the intention of not paying my obligations. In fact, I had a separate personal debt of approximately {$4000.00} that I voluntarily paid in full, which shows my willingness to resolve my debts. I contacted Regions Bank multiple times attempting to resolve the business debt. I was informed that the account had been sent to collections and that Regions could not accept payment or handle the account. Based on this information, I understood that Regions was no longer responsible for or in control of the debt. However, despite this, Regions later withdrew funds directly from my business account without clear prior notice or proper explanation. This created confusion and caused financial harm to my business. I also requested clarification about who owns the debt and why Regions was able to debit my account after telling me it was in collections, but I did not receive a clear or consistent answer. I am requesting a full explanation of this action and consideration of a refund or adjustment due to the conflicting information provided

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 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally report that I am a victim of identity theft. I recently discovered several accounts opened in my name without my knowledge or authorization. The fraudulent accounts are listed below : Upgrade Inc Opened XX/XX/XXXX {$1800.00} Upgrade Inc Opened XX/XX/XXXX {$1700.00} Upgrade Inc Opened XX/XX/XXXX {$75.00} XXXX Opened XX/XX/XXXX {$1600.00} I did not open or authorize any of these accounts. I believe my personal information was used without my consent. I kindly request a full investigation into these fraudulent accounts and that they be removed from my credit report immediately. Please also provide confirmation once this matter has been resolved. I am willing to provide any additional documentation needed. Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
First National Bank of Omaha ( FNBO ) Pay with Points Feature History : XXXX at one time had a Credit Card administered by FNBO. XXXX and FNBO parted company and XXXX switched to XXXX XXXX for administration of their XXXX Credit Card. FNBO issued me a VISA Card to with the FNBO logo on it. NO problems until the below date. XX/XX/XXXX : Today I notice on my last statement, Rewards Points had been redeemed. Checking all Statements since XX/XX/XXXX, points had been redeemed every month After two phone calls to FNBO, I found out that the credit XXXX had been giving me at checkout had been my FNBO points unbeknown to me with a Service Fee of {$2.00}. I thought that XXXX was giving me a credit for being a good customer. Last year on XX/XX/XXXX, I redeemed XXXX points for a statement credit of {$670.00}. According to FNBO rep XXXX, the Pay with Points Feature started in XX/XX/XXXX, no exact dated known and the notice/change she stated was emailed and unfortunately to an inactive email since XX/XX/XXXX. No notice by XXXX. The XXXX redemption notice at checkout did not start until after my points redemption on XX/XX/XXXX. According to XXXX records I have redeemed points XXXX times since XX/XX/XXXX with a service fee of {$2.00} each time. Each redemption was for XXXX Reward Points for a checkout credit of {$10.00} costing me a total of {$30.00} ( XXXX X $ XXXX {$30.00} ). XXXX stated that she could not tell me the dollar amount the points were redeemed for. Dollar amounts given was determined by XXXX receipts. I do not know who is getting the Service Fee ; FNBO or XXXX or if they are splitting the fee. That Service Fee, has cost me {$30.00} for a feature I did not sign up for nor or used if I knew that the Credit at XXXX checkout was my FNBO Reward Points. On the checkout screen at XXXX and each receipt, it does not show that FNBO Points were being used. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX I made an online deposit. After completing the deposit, I was then notified via email that they placed a XXXX day hold on a local check. This is deceptive and abusive behavior. i have never had any longer than a 2 day hold on any deposit. I then contacted customer service to see why this occurred. Got the run around. These funds were from a family member to assist with a medical procedure on XXXX. This bank is very sneaky and the consumer end up abused and waiting for them to release funds. These type of checks ( local ) take XXXX XXXX business days to clear. If I had been properly informed that they were going to hold the check that long, i would have deposited into my other bank. CFPB please look into this companies deposit hold as the internet is filled with similar complaints. XXXX XXXX is under XXXX out of XXXX. They are abusive and completely out of line and there seems to be no end to this deceptive behavior. This needs to stop. When you contact customer service there is no resolution quite the opposite. I can not believe in the day and age this is allowed. So they hold funds over a week after clearance. Please look into the massive complaints from consumers on this same topic, this needs to stop. The consumer ends up deceived.

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 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OH

Complaint narrative:
They closed my account and banned me from ever again using their services without warning or notification. They stated that I violated their terms and service policies and refused to tell me how or send written documents of such violation. They have refused to elaborate on which violation i violated and any funds that I received were effectively returned to sender causing my family to be subjected to displacement and debt resulting in other account closures and credit damages

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Formal Dispute : Notice of Lack of Capacity ( Minor Status ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XX/XX/year> Credence Resource Management XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Formal Dispute of Fraudulent Account To Whom It May Concern, I am writing to formally dispute the above-referenced account appearing on my credit report. This account is inaccurate and should be deleted immediately. I am disputing this account ( XXXX ) because it was opened when I was a minor. While the exact date is not provided on my credit report, any account opened in my name prior to XXXX is legally invalid due to my lack of capacity to contract as a minor under New Jersey XXXX XXXX '' Under the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy of the information you report. Since a contract with a minor is void or voidable, this debt is legally unenforceable against me. I am willing to attach legal documents to prove I was a minor. Please complete your investigation and remove this tradeline from my credit file within 30 days. Once the deletion is complete, please send me a written confirmation for my records. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief