vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I complained to the cash app about my account that some XXXX was watching me thru my profile picture which I don't have a profile picture and this was a man with a hat on well I complained to cash app all cash app chat told me to do was sign out of my account and sign back in in the mean time I placed a order from a clothing store and my order was sent to another address when I complained my order couldn't be shipped to my present address well I signed out again and signed back in again I didn't have the problem until recently the Picture of the man started showing up again but this time when I began to notice the picture would disappear now I have started having the same incidents happening again my orders being sent to another address from XXXX my order was canceled by Instacart and I am not able to get my refunded because every time I try to get help from XXXX my respondses are suddenly disappearing I think this is fraud or stalking

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Newport Intermediate Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I noticed that I'd lost access to my e-mail account affiliated with my payment account. Upon recovery of my e-mail, I immediately received notifications of strange with draws sent to an unknown person in a country that is not my country. I filed a fraud report with " Onbe. '' " Onbe '' denied my fraud claim on XX/XX/XXXX, claiming that there is no evidence of fraud. This is not true. There were 5 fraudulent withdraws. I was able to receive notifications for only two ( because I was locked out of my e-mail. ) In the two notifications I received of these fraudulent transfers, both were sent to a strange person who doesn't have my name and is not affiliated with me in any way. Their stated location is not even my country. As a result of " Onbe '' denying my claim, I have sent a certified letter today ; I have attached a copy below. I have attempted to contact their customer service ; the first representative hung up on me after telling me there is no supervisor available and there is nothing he can do. The second representative claims he has re-opened my case. I have received an e-mail from the representative but nothing from any sort of XXXX department. There is no way to contact anyone other than customer service who usually claim that there is nothing they can do, or advise that I wait. There is no way to speak to a XXXX department or a XXXX department. There is no way to call the office near my home. The e-mails that I have sent have been replied to with direction to use the XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today I turned XXXX XXXX XXXX. Ive beautifully managed credit card spending since I was XXXX XXXX XXXX ( 20 years today! ). Ive never had a late payment and Ive built nice credit ( over an XXXX score ) for myself and my future. Ive opened credit cards from XXXX, XXXX XXXX, XXXX Bank, XXXX, XXXX XXXX, local smaller banks and I have never experienced what I did with CAPITAL ONE. As I am utterly disgusted by the behavior, I looked into social media and found that this is vile behavior is extremely common with CAPITAL ONE, a company that should be representing American built companies with much more pride and respect. I am not reaching out and complaining because I am financially suffering and need a {$200.00} credit card promotional bonus, I am reaching out because I find it extremely dishonorable that Capital One is the only company behaving in this misleading manner and I dont want people to continue getting their hopes up for a {$200.00} bonus. Capital One told me I am given " Capital One Savor Rewards '' and I asked is is " Capital One Savor Rewards for Good Credit '' or the aforementioned and they responded it's not the card for good credit, its exactly the card that is supposed to receive bonuses. The problem started on my first statement when I was charged interest. This led to my first call with Capital One. Their answer didnt sit well with me. Then I asked when I would get my promotional {$200.00} bonus for opening my account and spending the {$500.00} I was supposed to spend and I was again given an answer that shocked me. They explained to me the reason I paid interest and wont be receiving my {$200.00} bonus is because when I accepted the credit card the promo was not offered to me. This is false. I went to their website and signed up for Capital One Savor. The terms said I would pay 0 % interest for the first 12 months, then it said I would receive {$200.00} if I spent {$500.00}. I applied, there was a hard pull on my credit report and I was approved and then they post mailed me the card. If they were such an honest company they could have sent me a choice to reject the card if the promotional offers werent offered to me, but that they did not do either. They sent me a card and sent me off to use their product. This is a shock to me, in 20 years, I have applied for dozen cards that offer a bonus and 0 % interest. If approved, theyve gladly rewarded me and Ive been an honorable credit card consumer. CAPITAL ONE is disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I noticed that there were unauthorized transactions on my time account. I immediately reached out to the bank and asked the bank to cancel the pending transactions as they were not authorized. The bank of eyes me that I needed to wait until the transaction settled. Once the transaction settled I filed a dispute which was denied within XXXX business days indicating that no error occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Validation of Debt Request - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please do not ever call my employer to discuss personal matters, I am being harassed from your phone calls please stop!!

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 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Issue : Chrysler Capital has failed to provide a required XXXX release and is preventing me from obtaining my title. Details : I paid off my vehicle loan with Chrysler Capital in XX/XX/year>. They told me they sent the XXXX release to the Missouri Department XXXX XXXX ( XXXX ) and then deleted the release from their system. They now refuse to recreate or reissue the lien release, even though the Missouri XXXX confirms they have never received anything and the XXXX is still showing as active. Chrysler Capital told me they can not create a new lien release, even though they are the only entity legally able to issue it. I can not obtain a clean title because they will not provide the required XXXX release or a completed Missouri XXXX XXXX. Harm : I am unable to obtain my title, sell my vehicle, register it properly, or complete any legal transactions involving it. Requested resolution : I need Chrysler Capital to immediately issue a new lien release and send it directly to the Missouri Department XXXX XXXX ( must be notarized paper form as they do not accept anything electronic ) and also provide me with a copy. Additional concerns : I was given conflicting and inaccurate information by Chrysler Capital, including claims that the release was sent when the XXXX confirms it was not. I am requesting regulatory assistance to compel Chrysler Capital to comply with federal and state requirements for XXXX release. We have called XXXX different times about this issue and we have gotten XXXX different stories and excuses. XXXX of them were supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Validation of Debt Request - CAINE WEINER - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
While trying to open a business account with XXXX Bank I was denied being eligible for an account. The branch managers contact me personally and gave me the information to the early warning consumers company to contact on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP
State: CA

Complaint narrative:
The following statement is true and correct : I am a first time home buyer being the first in my family to buy a home. I had applied for a FHA loan through US Bank ( pre-approval XXXX ) in the indicated state. i then found a condo and was told everything was great, got the conditional approval on XX/XX/year>. Submitted all the docs requested and submitted a number of documents as requested by the bank. I followed all FHA Guidelines and met requirements according to HUD and the down payment assisting company. As later right before final approval of the overall loan and documents after they specified they " received everything they needed '', they went back into the loan and stated the found additional transactions that needed to be verified per each transaction. I came across the documents from the company 's website and turned them in. I was also told this debt would be " excluded debt '' and would be acceptable to paying off at closing. This branches underwriting department, intentionally and know fully after all discussion, made up a reason to deny my loan and sabotage my opportunity to being a minority first time homebuyer. I am an American citizen, born and raised. I am not entitled. I earned and worked hard to be a homebuyer. The reasons that they then stated were false and not justified according to the documents I provided. They lied and made up reasons that are absolutely fabricated. I should have never been denied. I qualified and most importantly was made to believe there were no issues with my loan. This is unfair and discriminatory practices and my hope is to shed the light on big banks abusing their power and the employees they choose to work there intentionally trying to prevent American minority citizens from having every opportunity to thrive.

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am filing this complaint regarding what I believe to be deceptive business practices related to my credit card account. From XX/XX/XXXX, through XX/XX/XXXX, I made payments on my account with the understanding that the minimum payment would be applied to the monthly promotional balance and that the remaining amount would be applied to the non-promotional balance to avoid high interest charges. On XX/XX/XXXX, I was informed that customers must call every month to specify how payments should be allocated between promotional and non-promotional balances. I was told that this requirement is stated on the billing statement. However, the language in the statement is ambiguous and does not clearly disclose that customers must call each month to direct payment allocation. The statement reads : " If your account has a Deferred Interest promotional balance and you would like a payment or merchandise credit to be applied to a specific promotional or non-promotional balance, call Customer Service at XXXX, no later than 60 days after the transaction date of your payment as shown on your statement, to learn what options may be available. '' This wording does not clearly state that payment instructions must be provided every month, nor does it clearly explain that failure to do so will result in payments being applied in a way that may increase interest charges. The lack of clear disclosure is misleading and places an unfair burden on the customer. I believe this practice is deceptive because it does not clearly explain the ongoing requirement to call monthly to avoid additional interest charges. I am requesting that this matter be reviewed, that any improperly applied interest charges from XX/XX/XXXX, through XX/XX/XXXX, be refunded or adjusted, and that clearer disclosures and fair payment allocation practices be implemented.

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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XX/XX/year> deposited my husband check into my account like i normally would do. Huntington placed a hold on check told me to contact issuer of check to have a replacement sent. Issuer and issuer lawyer both advised me that hungtinton cashed the check and until they reject they cant reissue another check

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In XXXX the company called saying I was in debt collections. On XX/XX/XXXX I requested in a phone call all the documentation that was in their possession for the debt via mail with the address that they had on file. Two weeks later they contacted me again and I told them I still did not have the documents in my mail. They told me it was being sent again. I still have not received any documentation for this debt collection. The last phone call I had ( two weeks later again ) was me telling the person on the phone they still have not given me the documents. So far, I have been waiting for the documentation to arrive and all I got was an email today ( XX/XX/year> ) saying that I now have interest added to the collection. With no documents that I had requested over the phone three times. I have nothing from the collector telling me anything about this supposed debt.

Company response to consumer: Closed with explanation