vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
My brother deposited a check into my account yesterday of {$6000.00}, which there was a temporary funds hold. Fine, I get that, it is the way its always been. Only {$300.00} was released immediately, totally understandable.. 

The remaining balance was fully released today and I went to pull it out via XXXX XXXX to send to my son And was it was stopped with the bank. Fine again I get the possibility of fraud. Then I got a text saying Is This fraud. I answered no they said OK. Go ahead and try it again if it was denied. 

I tried again. It was denied again. I called customer service who then puts me on hold for quite a while and says you cant transfer your money. They said my check was still on hold which sounded fishy since I said it was on hold yesterday and now all the funds are released. Even though I have a available balance of the full amount, I still cant get these funds today? Customer service said that is correct because it was a check so we still have to make sure it was it clears. I asked why would you not just keep the temporary hold on it till it does clear? Why would it say available if it wasnt actually available? 

They said i would need to have to go into a branch and get either money or a money order if I wanted the money. That was a complete and other lie. 

In the meantime, my state refund is directly deposited in my checking account for like {$2400.00}. 

ThenI go to the actual branch in XXXX an hour later and Im told that my account has been put on hold and I can not access any of my money and it could be for a few days. 

I need to give my son, who is leaving today on a plane back to Florida this money and I cant access my OWN money? 

A deposit and a state refund is grounds for putting my account on a freeze for days?? The check was for $ XXXX and my refund was {$2400.00} I then called customer service right from the branch again and ask them what was going on and she reiterated that it was on my account was under review and that it might be a few days before I hear from anybody. I told her I wanted to hear from a supervisor a manager or the president of the company if need be today she said that wasnt possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: SC

Complaint narrative:
PORTFOLIO XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 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: VA

Complaint narrative:
SUBJECT : CFPB COMPLAINT INACCURATE COLLECTION REPORTING OF {$77.00} INSURANCE BALANCE To Whom It May Concern : I am submitting this complaint regarding inaccurate credit reporting of an alleged {$77.00} balance related to Progressive Insurance and a California-based law firm acting as a third-party debt collector. 
On XX/XX/XXXX, I received a credit alert indicating a new negative item had been added to my credit file. Upon reviewing my reports with XXXX, XXXX, and XXXX, I discovered that all three credit bureaus were reporting a {$77.00} collection account. 
I dispute the validity and accuracy of this alleged balance. 
On XX/XX/XXXX, I initially obtained an automobile liability policy from Progressive ( Policy No. XXXX ) and paid {$50.00} to initiate coverage. Later that same day, I secured a revised policy ( Policy No. XXXX ) for the same coverage period at a lower premium and immediately requested cancellation and refund of the original policy. 
Progressive refunded only {$21.00} and retained {$29.00} without adequate explanation. 
Under the revised policy ( effective XX/XX/XXXX, through XX/XX/XXXXXXXX  ), I paid {$760.00} in full, which satisfied the six-month policy term. In XX/XX/XXXX, I declined renewal and obtained coverage elsewhere. I did not authorize automatic renewal. 
Despite having paid the policy in full and declining renewal, a {$77.00} balance was later reported as a collection account. To the best of my knowledge, this amount appears to stem from billing discrepancies, fee retention issues, and/or administrative errors rather than a legitimate debt obligation. 
I did not receive a written validation notice explaining the basis of this alleged debt prior to its reporting. 
I have formally disputed this account with all three credit bureaus pursuant to the Fair Credit Reporting Act and have requested verification of the debt. I am requesting that this matter be investigated to ensure accurate reporting and compliance with federal consumer protection laws. 
I have worked diligently to maintain strong credit, and the reporting of an inaccurate collection account has caused harm and concern. 
Thank you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

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 XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding what I believe is discriminatory treatment by Bread Financial in connection with my XXXX XXXX XXXX XXXX application. 

I applied after receiving a prequalification via XXXX XXXX XXXX website. During the review process, I was asked to provide proof of identification and proof of address. I promptly submitted a valid California ID and a current XXXX XXXX bank statement to XXXX. The address on my bank statement matches exactly the address on my California ID. In addition, I maintain an active XXXX XXXX savings account, and the identifying information and address on that account match the information provided in my XXXX XXXX XXXX credit card application. 

Despite this consistency across all documents and accounts, this is now the fourth time my application has been declined. Each time, I have been told that my documents do not align with Bread Financial security measures, and I have been given vague statements implying that my California ID and supporting documents are somehow not legitimate. 
No specific discrepancies have ever been identified. No concrete explanation has been provided. No opportunity to correct any alleged issue has been meaningfully offered. 

A government-issued California ID and a major national bank statement that reflect identical information are standard forms of verification used throughout the financial industry. The fact that these same documents are sufficient for my existing Bread Financial savings account, yet deemed inadequate for this credit application, raises serious concerns about inconsistent treatment. 

Given the repeated denials despite consistent and verifiable documentation, I feel that I am discriminated against due to my XXXX, XXXX and XXXX. The pattern of rejections, combined with the absence of specific, articulable deficiencies, suggests treatment that is not being applied uniformly. I am once again enclosing my California ID, but this time, I have also included a utility bill with my address to demonstrate that I am able to provide multiple documents. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: GA

Complaint narrative:
I accidentally entered a wrong digit when making a bank transfer. That was on XX/XX/XXXX. shortly after making the transfer, I discovered the error and I made a claim with Wise Inc, after contacting the receiving bank. The receiving bank told me they could do a lot of things, such as immediately initiating the recall, following up with the other bank to make sure the transfer had been identified, and more.

But since Wise inc was the origin of the transfer, THEY had to make these request. They did not..... 
You would have thought they at least initiated the recall immediately? They did not. They waited over a month... 
Today, on XX/XX/XXXX, The money is still out, and they have ONLY made the initial recall request. Nothing else. I am out of options - because Wise is my bank and they say they can't do anything else, so I am just out almost $ XXXX... 

Absolutely it was my fault! I entered a wrong digit. 
But there are meassures in place for these exact situations. To help the consumer. But Wise Inc, has not shown much care at all ... Emails also go unanswered, and phone calls end up in Call Center XXXX, with another rando " supervisor '' looking into it after another.. But, does anything change? No, it does not. NO money, and NO support from my " bank ''.... 

Both banks- my bank, Wise Inc, and the receiving bank, XXXX XXXX, stated that they return ANY transaction they receive, where the account number does not match the account holder, within 30 days. So, my transfer was sent on XX/XX/XXXX, and should have been returned by XX/XX/XXXX. Today is XX/XX/XXXX, and nothing has happened. Wise told me it can take up to 90 days, but could not explain why that was needed, if both bank return the money within 30 days.... So, they are either sitting on my funds and not returning it, or they are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting this complaint regarding a telecommunications collection account being reported under XXXX XXXX in the amount of {$110.00}. 

This account appears on my consumer credit report as a collection account. I dispute the validity, accuracy, and enforceability of this alleged obligation. 

I did not open, authorize, or agree to any XXXX XXXX account associated with the reporting reflected on my credit file. I did not sign a service agreement, activate service, or authorize anyone to establish telecommunications service in my name during the timeframe being reported. I have not knowingly benefited from any services connected to this alleged account. 

I did not receive any contract, billing statements, notice of default, or documentation establishing that I entered into a contractual agreement for this service prior to the account being reported to consumer reporting agencies. The account appeared on my credit report without prior validation or sufficient documentation establishing my responsibility. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Reporting an account without documentation establishing my authorization and contractual obligation raises serious concerns regarding compliance with federal reporting standards.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), a debt collector may not use false, deceptive, or misleading representations in connection with the collection of any debt. 

I was affected by the XXXX Equifax data breach, which exposed sensitive personal identifying information. As a result, I closely monitor my credit reports and immediately dispute any account that I did not authorize or that lacks proper documentation. The appearance of this account without my authorization raises legitimate concerns regarding the handling and use of my personal identifying information. 

This reporting has negatively affected my credit standing and financial profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
XXXX from XXXX XXXX ( working for collections with AMEX ) called and suggested that I DO NOT PAY MY MORTGAGE in order to pay them back...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

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 XXXX  days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Subject : American Express Failure to Provide Required Accounting Under FCBA, FCRA, and TILA What happened : Since XX/XX/year>, I have repeatedly requested a full accounting of my American Express account. American Express sent several letters acknowledging my inquiry, but none of their responses addressed the billing issues I raised. Instead, they sent letters stating that a payment was not an acceptable form of payment and closed the inquiry without providing the required accounting. 

They have not provided : a full accounting of charges, payments, fees, and interest documentation supporting the accuracy of the account written findings of a reasonable investigation any explanation addressing the billing issues I raised Under the Fair Credit Billing Act, they were required to conduct a reasonable investigation and provide written findings within two billing cycles. They did not. 

If they furnished disputed information to credit bureaus, they also violated the Fair Credit Reporting Act by failing to investigate. 

Under the Truth in Lending Act, they must provide accurate disclosures and calculations upon request. They did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

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 2026-02-20 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/year>, I received an unexpected email from Marcus by Goldman Sachs notifying me that my GM card had been closed without warning or apparent reason. 

Marcus failed to credit my GM XXXX points for all valid purchases made between XX/XX/year> and XX/XX/year>, totaling {$100000.00} in spend. I was credited for SOME of those purchases but not all of them. 

I am missing exactly XXXX GM pointsworth approximately $ XXXX those purchases having been completed in good faith. 

I would like my points credited to my account. 

I have attached my XX/XX/year> statement from Goldman Sachs - I never received a statement after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
CFPB Complaint Draft Against : XXXX XXXX XXXX Product : Auto Loan Issue Type : Vehicle Repossession / Payment Dispute / Unfair Practices State : Florida Complaint Narrative ( paste this exactly or adjust names/dates ) I am filing a complaint regarding the repossession of my vehicle by XXXX XXXX XXXX in Florida. 

I spoke with a XXXX XXXX XXXX representative and was verbally informed that I could make my payment by Friday, XX/XX/year>. Relying on that agreement, I attempted to make the payment on that agreed date. However, my vehicle was repossessed the night before, despite the agreed payment extension. 

At no point was I informed that the account would still be subject to immediate repossession, nor was the repossession order paused or properly documented. I acted in good faith and attempted to pay as agreed. 

After the repossession, XXXX XXXX XXXX refused to allow reinstatement of the loan and instead demanded full payoff of the balance plus repossession fees. Under Florida law, borrowers generally have the right to reinstate an auto loan by paying past-due amounts and reasonable repossession fees, unless explicitly waived in the contract. 

I am requesting : Review of the recorded call where the payment extension was granted Immediate reinstatement of my loan ( not full payoff ) Itemized and reasonable repossession fees A temporary hold on any sale or auction of the vehicle while this dispute is under review I believe this repossession constitutes unfair and deceptive practices, bad-faith servicing, and failure to honor a documented verbal agreement. 

Desired Resolution ( CFPB field ) : Loan reinstatement, reversal or reduction of repossession fees, and correction of account handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Account has been paid in full and should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year> XXXX XXXX took XXXX from my account and I called XXXX to ask about the transaction and they informed me that no account with my name was found in their system and so they explained to me that the easiest way to get my money back was through my bank, so i contacted Capital One bank and explained my situation and gave them all the information I had and they did nothing. Its been over a two months and 3 different disputes and a new debit card and still they will Not give my money back and they pretty much want me to do my own investigation when thats their job. They never gave me a provisional credit if the XXXX or anything this is so frustrating and Im very upset about this. Something needs to be done asap XXXX will tell them I have no business with them at all

Company response to consumer: Closed with explanation