vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
Caine & Weiner is reporting a collection account for an alleged insurance-related obligation in the amount of {$1000.00}, originally attributed to XXXX XXXX , on my credit report. I do not recognize this alleged insurance debt and have no verified contractual relationship with Caine & Weiner. I was never provided proper notice or lawful documentation establishing that this alleged obligation is accurate, owed by me, or legally enforceable. 

I formally disputed this account and, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I requested full legal validation and strict proof of this alleged insurance debt. My request specifically included, but was not limited to, the following documentation : The original signed insurance policy or agreement with XXXX Proof that I was the insured party during the alleged coverage period Documentation explaining the nature of the alleged debt ( premium balance, cancellation, subrogation, or loss-related claim ) A full itemized statement showing how the alleged balance of {$1000.00} was calculated Proof of any claim, payout, or loss giving rise to this alleged obligation Proof of transfer or assignment from XXXX  to Caine & Weiner The complete chain of title establishing Caine & Weiners legal authority to collect A complete billing and payment history The initial validation notice required under FDCPA 1692g Any notice of default or intent to collect required by law Proof that the statute of limitations has not expired Any agreement authorizing Caine & Weiner to report this alleged debt to consumer reporting agencies Documentation of any prior dispute investigations conducted pursuant to FCRA 1681i To date, Caine & Weiner has not provided any of the requested documentation. Instead, I have received only generic or automated responses that do not constitute lawful validation. Despite this failure, Caine & Weiner continues to report this alleged insurance collection account to the consumer reporting agencies. 

As a result, an unverified, unsupported, and legally unenforceable alleged insurance collection account remains on my credit report, causing ongoing harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
My balance has been " PAID IN FULL '' and fully satisfied, I contacted the original Finisher and Chex Systems, I made no progress, as this Paid debit still appears on CHEXS SYSTEMS report, it has hurt my chances to open new bank accounts. Because the Debit has been " PAID OFF FULLY '' I am formally requesting it's permanent deletion from my 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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
After paying to get my license reinstated my funds were immediately declined access to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
FNBO billed an annual fee on XX/XX/year> ( payment due XX/XX/year> ) I requested a cancellation/refund within the 30-day grace period. FNBO refused the refund, citing a small purchase made after the fee posted. This is a predatory practice designed to prevent consumers from exercising their right to cancel a service they no longer wish to pay for.

I tried to send a secure message to FNBO requesting a downgrade to a {$0.00} fee card, but their web site does not have a chat option available ( or a secure chat option ).

Their contact us web page ( XXXX XXXX XXXX ) states that a chat link should be in the right corner of the contact us web page, but no such link or text appears.

I called twice but was told that FNBO could not do anything to remove the annual fee as I had a charge in early XXXX. And with no secure messaging or chat option, I have no recourse but to file a complaint since FNBO is not respecting a 30 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I opened a checking account XX/XX/year>. There was a promotion to receive a bonus for receiving direct deposits for 3 months. I saw that in order to receive a {$300.00} bonus, deposits would have to be $ XXXX per month as advertised on the website. I interpreted this as at least {$5000.00} per month. I set up direct deposit from my employer for exactly {$5000.00} per month. When I received the lower {$50.00} bonus, I contacted a customer service representative over the phone. The representative said that the terms she was looking at said that the {$50.00} bonus tier ends at {$4900.00} and the {$300.00} bonus tier begins at {$5000.00}, so I should be eligible for the higher bonus. She said she would verify and get back to me. After multiple follow-ups over weeks, I was ultimately denied the higher bonus. I know somebody who made exactly the same {$5000.00} per month direct deposits as me and they were worried that they would receive the lower bonus as well, but they received the {$300.00} bonus. I know it's possible to receive the {$300.00} bonus. I didn't save a copy of the terms, but at the very best these terms were deceptive against the consumer. If true, the bank is denying me an additional {$250.00} in bonus because my deposits were short {$0.00} per month for 3 months.

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 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I noticed last year that Citibank had lowered my credit limit on my XXXX XXXX XXXX from {$2500.00} to {$800.00}. After several phone calls and runaround from customer service and a XXXX  complaint, they couldn't tell me who made the decision or why, they said it was because I had 3 late payments. I had 3 late payments in the past and it wasn't lowered. I did have a late payment back in XXXX  and they lowered it previously but a few months later raised it back to {$2500.00}. They can not tell me the reasoning behind the XXXX  incident and why they are not able to be consistent meanwhile messing with my credit scores with credit utilization. They have terrible customer service and very nasty people responding to complaints.

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 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Within the name of XXXX, The merciful the Most Merciful I seek refuge with XXXX from XXXX the accursed rejected enemy. 
OnXXXX I was given permission to move in and keep paying through my mother 's account using her social security number by Newrez shellpoint. 
I found out she had XXXX. XXXX. the house was paid off. I was put on the property tax refund card. 
The was illegally foreclosed. I asked newrez for the people who paid the house in XXXX after my mother 's death. A phone call to newrez a lady said XXXX. paid in XXXX.I paid mortgage from XXXX to XXXX. I wasn't suppose to. 
I have the property refund card and assement but it won't download. 
Thank you XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
b'My name is XXXX XXXX, with paypal account from XXXX, phone number XXXX XXXX XXXX XXXX. I was having issue with the wrong transaction category marked on my citi bank statement for my shopping transactions from XXXX  through Paypal from XXXX XXXX. As it should be shown in the credit card statement as Merchant, instead, they are marked as cash trancation, mortrage, which caused extra charege on my XXXX banck account for XXXX dollars cash advaned fee.\n\nThe paypal transactions are list as followed\XXXX'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I opened up a SYNCB/BELKDC account in order to received the discount off my items.

The sales clerk charged one of my items on the card and I was not aware of it. In XX/XX/year>, I received a later notice and I went to Belks and paid the total amount on the card and closed the account. About three days later, I received a call from another representative that stated that I owe another late fee and the previous representative that I paid wasnt aware of the late fee. I disagreed to paying the late fee after the account was closed.

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Untimely response
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I opened XXXX different disputes for {$40.00} each they both have been denied twice after I've explained and sent documents that there was no way possible for me to have made these XXXX {$40.00} each ATM withdrawals because I'm on house arrest and I can't leave my house. They will not reopen case and keep hanging up on me when I call with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
based on checking my credit report i noticed that my personal information was exposed as i don't recognize multiples collections charges and debts. 
attached are the creditor 's information that i contacted to get the matter resolved and nothing was done. I am requesting this information to be removed immediately from my credit report as it is not accurate. 

BK OF AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, United States. 

XXXX {$3200.00} 117 % of Credit Limit Last Reported XXXX, XXXX Account Designator Individual account for sole use of consumer Industry Banks Loan Type Credit Card Credit Limit {$2800.00} Loan Term Revolving Payment Amount - Highest Balance {$3400.00} Status Charged o as bad debt Past Due {$3200.00} Remarks Account closed by credit grantor Notes Automated Account Account closed normally XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account listed on my credit report under the following details : Collection Agency : Kingston Data and Credit Original Creditor XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$790.00} This account is being reported as a collection ; however, I dispute this account in its entirety. The information being reported is inaccurate and/or incomplete, and I have not been provided with sufficient evidence to substantiate the validity of this alleged debt. 
Specifically, I request verification of the following : Proof that I am legally obligated to pay this debt A copy of the original signed contract or agreement with the original creditor An itemized breakdown explaining how the amount of {$790.00} was calculated Documentation showing that Kingston Data and Credit has the legal authority to collect this debt Verification that this account has been reported accurately to all credit reporting agencies Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be fully investigated. If you are unable to provide proper verification, I request that this account be deleted immediately from my credit reports.

Please note that reporting unverified or inaccurate information to consumer reporting agencies may constitute a violation of federal law. I expect this matter to be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I authorized a credit card transaction that funded a XXXX transfer after being solicited by a seller via XXXX who represented themselves as a merchant selling goods. No legitimate merchant existed. XXXX is a payment processor only and not the merchant of record. 

After payment, no goods were delivered. No tracking number, carrier information, shipping confirmation, proof of shipment, or proof of delivery was ever provided. The seller repeatedly stated they would obtain tracking from a freight forwarder but never produced any evidence and ultimately ceased meaningful communication. 

SchoolsFirst Federal Credit Union completed its dispute investigation by relying solely on XXXX confirmation that funds were converted and transferred to a recipient. This does not constitute proof that goods or services were rendered. XXXX can not verify delivery because it is not the seller. 

The investigation failed to evaluate merchant legitimacy, delivery, or fraud indicators commonly associated with WhatsApp-based scams. An invoice provided by the seller does not demonstrate fulfillment and is not proof of delivery. As a result of this improper investigation, the charge was deemed valid despite no goods or services being received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Opened a savings account with Open bank ( Santander ) and deposited XXXX * {$1000.00} amounts from my XXXX XXXX account. 

First deposit- {$1000.00} XX/XX/year> second deposit- XXXX XXXXXX/XX/year> Open bank suspended my account immediately. XXXX of the {$1000.00} transactions was returned, the other not. XXXX calls to customer support between XXXX and XXXX gave no results. 

Complained to regulator in XX/XX/year> and Openbank closed my account on XX/XX/year>. 

The {$1000.00} fund was taken away from my openbank account and not returned to me. XXXX calls to Santander XXXX team informed me that they acknowledge {$1000.00} is due to me but they are not sure where it is. Almost XXXX  months have passed and nobody knows where the money is- they use a third party XXXX to transfer funds but they have not provided transaction ID etc after i requested. 

I have informed my XXXX bank who confirmed they can see the XXXX original transaction and XXXX returned but have received no communication from santander.

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 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
A debt validation request was sent via XXXX XXXX Mail XXXX XXXX XXXX XXXX, the law firm retained to collect the alleged debt on behalf of Portfolio Recovery Associates, and was received on XX/XX/year>. 

Despite receipt of this validation request, continued collection activity occurred via phone calls from Portfoliorecov at XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> and XX/XX/year>. 

This conduct violates 15 U.S.C. 1692g ( b ), which requires a debt collector including a law firm acting as a debt collector to cease all collection activity until proper written validation of the alleged debt is provided. I am requesting that all collection efforts stop immediately and that the account be closed or properly validated in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App froze my account due to a reported XXXX XXXX. I obtained the official XXXX XXXX release from the appropriate state authority and submitted it to Cash App as requested. Despite receiving confirmation that the documentation was sent and despite multiple follow-ups, Cash App has still not restored access to my funds or removed the restrictions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I disputed a transaction from XXXX because I never received the item. 
I submitted documentation in XXXX showing that the merchant shipped the order to an address in XXXX  that is not my address. 
Capital One denied my claim stating the transaction was legitimate because the merchant provided shipping confirmation.

Shipping confirmation to the wrong address does not prove receipt by me. 
I am requesting that Capital One reopen and properly review my dispute as a non-receipt / misdelivery claim and restore my funds. 

I provided screenshots of the shipping destination and my communications with the merchant showing the item was not delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: AL

Complaint narrative:
Today on XX/XX/XXXX I accidentally send a {$35.00} payment to the wrong person the person in which I sent it to is deceased I was intending to send it to his wife after contacting cash app requesting a refund from that person and disputing the transaction cash happened for me that because the transaction was complete which you don't give you an ability to cancel it or make them receive it you know accept it since it was complete they could not refund my money yet they can obviously tell the man 's deceased his account ain't been used it's supposed to have been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
This complaint concerns a credit card account with JPMorgan Chase Bank that was fully paid and reflected a {$0.00} balance approximately three years before the issue occurred.

Without my authorization, a fraudulent balance appeared on the account. I immediately contacted Chase and reported the charges as fraud. I disputed the charges multiple times by phone and in writing and requested a formal fraud investigation. 
Despite these disputes, Chase failed to properly investigate or provide documentation proving that I authorized the charges. While the account was under dispute, Chase continued to add interest, fees, and penalties, causing the balance to increase steadily over time. 
To prevent further damage and escalation, I made monthly payments under protest on charges that were not mine, while continuing to state that the balance resulted from fraud. The balance eventually increased to over {$5600.00} due to interest and fees applied during the disputed period. 
Ultimately, Chase charged off the account as a profit and loss write-off and reported inaccurate and damaging information to the credit bureaus. The balance is not mine, resulted from unauthorized transactions, and was improperly inflated while under active dispute. 
Chases failure to stop billing during a fraud dispute, failure to investigate, and inaccurate credit reporting constitute violations of the Fair Credit Billing Act and the Fair Credit Reporting Act. I am requesting full correction of the account and removal of all inaccurate credit reporting.

Company response to consumer: Closed with explanation