vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a TRUIST credit card and got denied on the spot. On XX/XX/XXXX I sent Truist a letter via certified mail asking them to rescind my application or reverse the denial and issue me my credit card, both requiring written confirmation of what was done. On XX/XX/XXXX, I sent TRUIST a second letter via certified mail stating the same information. On XX/XX/XXXX TRUIST replied stating that the Client advocacy team is researching the complaint and nothing further. To date, nothing has been done regarding the denial of access to my credit.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Block, Inc. ( Cash App ) has closed my account without notice or explanation. I am a long-standing user who uses the platform exclusively for minimal family transfers ( approx. $ XXXX ). I have no commercial activity, no disputes, and no gambling activity. 

By closing my account and refusing to provide a specific reason or a method to appeal to a human, Block Inc. is engaging in an unfair and abusive practice. They are effectively seizing my financial data and history without due process. 

I received a final determination email on XX/XX/year>, that referenced " Investing, '' " XXXX, '' and " Pools '' features I do not useproving my account was not actually reviewed by a human but rather auto-rejected by a script.

As this closure appears to be an automated error based on false " risk '' flags, I am requesting : 1 ) Immediate human review of the closure.

2 ) Specific disclosure of the Terms of Service violation I am accused of.

3 ) Restoration of my account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
The collection accounts appearing on my credit report are inaccurate and can not be verified. I did not open, authorize, or agree to these accounts and therefore bear no responsibility for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Office of Michael A. Priddle, LLC
State: KS

Complaint narrative:
On XX/XX/year> I received a Notice of Default and Demand from The Law Office of Michael A. Priddle , LLC claiming that a XXXX XXXX, Kansas court entered a judgment against me in case number XXXX for {$4700.00} allegedly owed to XXXX XXXX XXXX XXXX 
I searched the Kansas Judicial Branch case search system and no such case exists. I have never rented from XXXX XXXX XXXX XXXX, have never lived or rented in Kansas, and do not know the person named in the letter. 
Despite this, the letter claims a court judgment exists and demands payment within 14 days, threatening collection actions. This appears to be a false representation of legal status and an attempt to collect a debt that is not mine. 
I disputed this in writing with the law firm on XX/XX/year> and requested full validation of the alleged judgment and debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America randomly closed my account on a XXXX. I had XXXX in working capital in my business checking account. This has caused me to possibly have to close my business. They will not give me a reason nor will they allow me to take any of my money out. They did the same with my personal account leave me completely exposed with no funds to pay for bills, food, ect

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 monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My XXXXSA account has a hold being placed for possible fraud. And although I have confirmed there has been no attempted fraud and have been verified several times as the account holder, HSA Bank refuses to release the funds to a XXXX XXXXr despite me being verified as the account owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have Business credit card with bank of america having card number XXXX and I also had checking account with bank of america. Even though I had bank of america checking account my auto-payment was set to an external account. Around XXXXXXXX  bank of america closed my checking account but also deleted my auto-payment setup because of auto-payment didn't happened and bank of america charged multiple late fees and interest charges. I submitted the request to reverse the charges using ref number - XXXX but they denied the request with no reasoning. They have XXXX XXXX as late fees and interest charges on annual fees of {$70.00} and put a dent on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: VT

Complaint narrative:
I checked my account, as i never do because i randomly get a rejected transaction notice so i assumed the bank was doing their job and not allowing transactions to go through because that is how i set up the account to NOT ALLOW overdraft. Well going back XXXX months, i noticed they deny charges XXXX days before payday but will wait until XXXX days before my payday and allow transactions to go through then charge me {$36.00} for each one. Ranging from $ XXXX $ XXXX per week! I have reached out through the bank app requesting them to stop this! And reiterate that when i opened this account i checked the box to not allow overdraft and verbalized with the person that opened it if he made sure. Well, here i am. This is extremely scammy. And illegal. Costing me over {$1000.00}! Probably more!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RECOV is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV 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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am reporting unauthorized transactions totaling over {$4000.00}. PayPal denied my claim stating the activity was 'consistent ' with my history, but I did not authorize these payments. I have requested documentation and IP evidence, but they have not provided it. I am seeking a full refund under Regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
This letter is being sent to you in response to : check one ( 1 ) -notice sent to me on 20- response to a listing on my Credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for validation made pursuant to the above named Tittle and Section. I respectfully request your office provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus XXXX XXXX XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practice Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of the receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
SW CRDT SYS is falsely reporting on my credit. I have never had any accounts with them. Per my research SW CRDT SYS 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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
In or around XXXX and XXXX, I discovered inaccurate personal information and fraudulent accounts on my credit reports while reviewing my credit file. 

Multiple addresses appeared on my reports that do not belong to me and have never been associated with my residence. These addresses are inaccurate and were added without my knowledge or authorization. 

In addition, XXXX XXXX XXXX credit card accounts were reported that I did not open, authorize, or use. XXXX account reflects a charged-off balance of approximately {$12000.00}, and the second reflects a balance of approximately {$960.00}. 

I believe these accounts and inaccurate addresses are the result of identity theft and unauthorized use of my personal information. 

After discovering these issues, I immediately took action by submitting disputes to the credit reporting agencies and filing an identity theft report. I provided supporting documentation, including proof of identity and address. 

Despite these efforts, the inaccurate addresses and fraudulent XXXX XXXX accounts continue to be reported, causing financial harm and damage to my credit profile. 

I am requesting that all incorrect addresses be permanently removed and that both fraudulent XXXX XXXX accounts be deleted from my credit reports in accordance with federal and state law. 

I am seeking a full investigation, correction of my credit file, and written confirmation of all updates.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX, my PayPal account went through an appeal and was reinstated under Ref ID - XXXX by the PayPal Account Review Department XXXX I received XXXX emails from XXXX different individuals stating my account was reviewed and restored. PayPal has once again restricted my account. In a prior response PayPal made the false claim that we are accepting money for incentivized reviews which is incorrect. We are part of the XXXX XXXX XXXX ( XXXX ) and do not make review videosXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. This is not the same a review, written by a customer for a product which is located in the reviews section. Compensated reviews are indeed against XXXX XXXX XXXX, however, we are XXXX XXXX who create shoppable vidoes... not reviews. Under the terms of being an influencer we are allowed to charge sellers for our time and effort to create a shoppable video for their product, just like any other influencer in any other program. I'm am formally requesting PayPal to reinstate my account so that I can continue to operate my LLC and collect payment for services rendered from XXXX XXXX. The majority of our clients operate out of XXXX so we rely on PayPal for international money transfers. I would highly recommend PayPal educate themselves on the XXXX XXXX program and not try to cite a section of the community guidelines that do not apply to us. We have been in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. If we were violating the community guidelines, our account would have been terminated long ago as we have been accepting payment for the services of creating a shoppable video for 3 years and have used PayPal the entire time for international money transfer. A simple XXXX XXXX  will show that we are allowed to collect payment for services rendered to make a XXXX XXXX It is really not that complicated. I am attaching the email thread showing the response from XXXX in the PayPal Account XXXX Department reinstating our account after additional review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
im writing to formally repost a deceptive and potentially fraudulent credit card advertisement that i recently encountered. 
on XX/XX/year>, I saw a credit card advertisement from wells Fargo promising " guaranteed approved {$200.00} bonus '' and " no interest '' that would show up. The company never sent the statement letter but they said the claim has no statement letter not giving me anything. I have found this information misleading and they still charged me interest fee of {$71.00}. I have already called and contacted Fargo about this and they still refuse to do anything about this.

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 monetary relief
Consumer complaint received 2026-01-23 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: Experian Information Solutions Inc.
State: MN

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 explanation
Consumer complaint received 2026-01-23 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: NY

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 2026-01-23 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: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2026-01-23 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: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
I signed up for a service from XXXX that was presented as a free trial and was charged immediately. I canceled the service the same day and took steps to prevent any further charges, including changing my card number. Despite cancellation, the merchant repeatedly attempted to charge my credit card over the following weeks. Many of these attempts were declined, yet the merchant continued submitting charges in varying amounts, and XXXX charge was eventually processed. I did not authorize any charges after cancellation. The repeated billing attempts after cancellation demonstrate failure to honor cancellation and unauthorized recurring billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: EVERBANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I received an emails tating that I tried opening an account on XXXX with Everbank. I then called and they confirmed it was not opened. 
I then received another email the next day confirming it was indeed opened with Everbank. 
I called them, we confirmed and together we closed it and they sent it to the fraud department.

Company response to consumer: Closed with explanation