vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: NM

Complaint narrative:
Good morning, In XX/XX/XXXX, I was in the process of getting aligners through XXXX XXXX XXXX. I was not aware that the company had filed for bankruptcy in XX/XX/XXXX ; otherwise, I would not have moved forward with the purchase. The same week I was expecting to receive the aligners, XXXX XXXX notified customers via email that they had filed for bankruptcy. As a result, I never used or received any functional services tied to the aligners following that notification. Shortly thereafter, I was unexpectedly informed that I owed a debt related to these services, despite the fact that the agreed-upon treatment and support were never provided. At this point, my health insurance has paid {$1000.00} toward aligners for which no services were ever rendered, and I personally paid a {$250.00} initial deposit. Despite this, XXXX XXXX transferred the account to TEK Collection Services, which later reported the alleged nonpayment to the credit bureaus, negatively impacting my credit. I contacted the collection agency to request removal of the derogatory mark, but my request was denied. I have since disputed the account with the credit bureaus and am still awaiting a response. I also requested debt validation from TEK Collection Services and have not received any documentation to date. Please see the attached documentation, which includes the timeline of events, a news report regarding the bankruptcy, and confirmation of my refund from XXXX. XXXX refunded my {$250.00} deposit in early XXXX, which further supports that I should not be held responsible for any remaining balance for services that were never rendered as agreed between myself and XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Each time this bank claim there are associated fees they do not give you ample time to deposit the monies and charge a fee of {$35.00}. In addition they send the incorrect amount leaving the account after deposit what they sent to be more that than they sent as overdraft balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 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: TX

Complaint narrative:
Capital One Dispute Reconsideration Request Claim # XXXX I am filing a complaint regarding Capital Ones handling of a dispute that was incorrectly classified and ultimately denied. In XXXX, I disputed a charge that was made using my card information without my authorization. This was not a standard billing dispute it was unauthorized use of my card. Although I was previously associated with the individual who made the charge, they no longer had permission to use my card, and my payment information was supposed to be removed from the account. The account holder failed to remove my card, and charges continued without my consent. Capital One denied my claim based on the merchant stating the transaction was valid. However, this ignores the fact that I did not authorize the transaction. This should have been handled as a fraud/unauthorized use claim, not a merchant dispute. As a result of this denial, Capital One has reversed a temporary credit of {$330.00}, which has caused financial hardship. I currently have a very limited balance, and this reversal has put me in a difficult position. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted an online quote request through XXXX XXXX XXXX for auto parts for my XXXX XXXX XXXX XXXX. I was quoted {$130.00} total for both front steering knuckles. Instead, my Cash App Card was charged XXXX completed transactions totaling {$250.00} under different merchant names : XXXX charges of {$100.00} under XXXX XXXX and XXXX charges of {$21.00} and {$26.00} under XXXX. I later received only a partial refund of {$26.00}, leaving an unresolved loss of {$220.00}. I never received the auto parts, invoice, order confirmation, tracking number, shipment confirmation, or proof of delivery. I disputed the transactions with Cash App on XX/XX/XXXX. Cash App denied the disputes, saying the merchant fulfilled its obligation. I requested the documents Cash App relied on to deny the disputes, including any merchant response, invoice, order confirmation, tracking number, shipment record, delivery confirmation, or proof of fulfillment. Cash App only provided a denial summary for XXXX claim. That document stated the transaction was authorized and no error occurred, but it did not include any invoice, tracking number, shipment record, delivery confirmation, or proof that the product was delivered. My dispute was not just about authorization. My dispute was that I paid for goods that were never delivered. Cash App treated the transaction as valid without showing proof that the merchant fulfilled the order. I also asked for the documents for the other denied claims, but I have not received the actual merchant proof for those claims. I am asking Cash App/Block to reopen and properly review the denied disputes, provide the actual merchant evidence relied on for each denial, and refund my unresolved loss because no goods were delivered and no proof of fulfillment has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
They are saying that I owe for a XXXX XXXX that I have never taken They continue to harass me through XXXX and mailing I have tried to explain to them that I am a victim of identity theft and fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I requested a dispute twice thru Bank of America and both times are denied. I never received service. My flight had been cancelled thru XXXX with proof of email and Bank of America refused it. I dont need rebooking I need a refund.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I tried to open a bank account and Im unable to open up any bank account in my name because someone has used my identity and opened up multiple bank accounts in my name so Im in XXXX XXXX XXXX and XXXX XXXX XXXX include XXXX XXXX, open XX/XX/XXXX amount of XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX amount XXXX XXXX open XX/XX/XXXX amount {$700.00} JPMorganChase open XX/XX/XXXX amount {$1900.00} XXXX XXXX open XX/XX/XXXX amount {$1100.00}. XXXX XXXX XXXX open XX/XX/XXXX amount XXXX another XXXX XXXX opening XX/XX/XXXX amount XXXX another XXXX XXXX XXXX XXXX open XX/XX/XXXX another XXXX XXXX XXXX XXXX open XX/XX/XXXX of XXXX. Another JPMorganChase open XX/XX/XXXX of XXXX another JPMorganChase open XX/XX/XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AAS Debt Recovery, Inc.
State: OH

Complaint narrative:
They continue to call me harassing me with abusive and threatening phone calls from all type of fake numbers A.I. NUMBERS AND I HAVE REPEATEDLY TOLD THE THE DEBT IS NOT MINE AND THAT I AM A VICTIM OF IDENTITY THEFT AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
Case number to reference : XXXX Timeline of Harassment and Willful Non-Compliance Despite a formal written prohibition and revocation of consent sent to Firstsource Advantage LLC XXXX XX/XX/year>, the agency has continued a persistent campaign of harassment. This behavior demonstrates a willful intent to bypass expressed communication restrictions through the following documented actions : Targeting Professional Lines : As explicitly stated in my XX/XX/XXXX notice, the number XXXX is a dedicated work number. By repeatedly calling this line, the agency is intentionally disrupting my professional obligations and workplace productivity. Localized Number-Spoofing ( XXXX XXXX XXXX ) : The agency has utilized localized number-spoofing to deceive me into answering. My records show a pattern of cycling through various North Carolina numbers to circumvent call filtering. Documented Post-Notice Violations : I have preserved evidence of direct contact from agency representatives occurring well after the legal " stop '' notice was issued : XX/XX/year>, at XXXX XXXX : Voicemail received from an agent identifying as XXXX XXXX. XX/XX/year>, at XXXX XXXX : Voicemail received from an agent identifying as XXXX XXXX. Deceptive " Call-and-Hang-Up '' Tactics : In addition to the recorded messages, the agency has been calling and hanging up repeatedly over the last several days, even when the calls are answered. This tactical cycling is designed to induce mental anguish and bypass automated blocking software. Evidence & Documentation I have maintained a comprehensive log of these interactions, including timestamped screenshots and the audio files of the voicemails from XXXX XXXX and XXXX XXXX. These records clearly display the use of spoofed local numbers. While I am not attaching the files to this specific communication, they have been archived and are available for immediate transmission upon request or for presentation in a legal or regulatory proceeding. Conclusion The actions of Firstsource Advantage LLCspecifically the continued targeting of my professional work line by named agents after formal notificationconstitute a flagrant disregard for the Fair Debt Collection Practices Act ( FDCPA ). This persistent harassment has caused significant mental anguish and professional disruption

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
My Coinbase account has been restricted for over two months since XX/XX/year>, preventing me from withdrawing cryptocurrency that I purchased using ACH debit transfers ( PULL ). Coinbase sent an email stating that I would regain access to my crypto after a month but kept extending the date until XX/XX/year>. Relying on that information, I waited until I decided to contact them on XX/XX/year>. However, when I contacted Coinbase customer support to confirm a gain when my access would be restored so I could transfer out all my crypto assets, I was unexpectedly told that my account had been permanently closed. No prior warning or explanation was provided. The total amount of crypto assets being held in my account is {$35000.00}. As a result, I am currently unable to : Send crypto to external wallets, Link a new bank account, or Close my account and retrieve my assets. Customer support has been unhelpful and repeatedly states they can not assist me. My funds remain locked in the account with no clear way to access them. Violation of Coinbase 's own policy : According to Coinbase 's official help article on account restrictions ( XXXX XXXX XXXX ), the company states that when accounts are closed, customers can still : " Send any remaining crypto balances from their Coinbase account to a wallet address that is not connected to their Coinbase account '' Coinbase is violating its own published terms by refusing to allow me to send my crypto to an external wallet or cash out my funds. Despite their account closure, they have not provided me with any means to withdraw my {$35000.00} in assets. Desired Resolution : I want Coinbase to immediately reinstate my withdrawal privileges so I can transfer all of my crypto assets out of the platform to another exchange and close my account permanently. If reinstatement is not possible, I want Coinbase to provide me with a direct, manual method to withdraw my assets ( e.g., allowing me to withdraw to a verified external wallet ), as their own policy explicitly states I should be able to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I never received a letter or information on the disputes on us bank... I've been trying to dispute charges and other is bank related issues regarding my social security and my identity. Us bank mishandled my personal information.

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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have XXXX in my XXXX account then got a message saying my account was closed so I requested my money be sent to my bank account on file and they won't do it without even telling my why they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MN

Complaint narrative:
In XXXX, my Cash App account was closed. Upon contacting the company regarding this matter, I was asked to clarify the purpose of my account usage. I confirmed that I utilized the account for routine bill payments, including rent, electricity, and gas, and for transferring funds to my college-aged child and my mother, who resides in a different state. Additionally, I informed them that I occasionally used the account for purchasing groceries, clothing, footwear, fuel, and restaurant meals. The company subsequently advised that a 10-day review period would be required. Following this, I received an email indicating that the account could not be reopened. I re-engaged with their support, and they stated that due to their internal computer algorithms, they were unable to provide further assistance, and the account would remain closed. After several subsequent attempts to resolve the issue, communication from the company ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am a federal government employee. I was XXXX last year and I sent my orders in into Santander due to me not being paid. It caused me to get behind and payments. Santander did try to work out a payment plan with me. They told me that I can pay my past due balance, and then I will be caught up and I can go back into my regular payments, however since making my past all of my payments have been applied to interest only none have been applied to the principal balance. My balance have not went down, only went down maybe {$1000.00} within the last two years since Ive purchased my car I feel that my payments have been misappropriate applied to my account. Since catching up with my past due balance, Ive called into Santander repeatedly to ask them to remove the promise to pay plan since they did tell me that if I made my past due balance, I can go back to my regular payments each representative said that they will update my account and request that the paint the promise to be removed since XX/XX/year> of this year. Santander has not updated my account every payment that I made for {$1100.00} for {$1500.00} and each payment for {$870.00} which is my has only been applied to interest and none to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I officially affirm that I did not approve or establish the specified accounts and do not recognize them as my own. Kindly conduct a detailed investigation and delete them after verification. Supporting documents are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Company : Barclays ( Barclays Bank Delaware ) Product : Credit card Issue : Billing dispute / chargeback denial Narrative : I am filing a complaint regarding Barclays handling of a credit card billing dispute involving a XXXX marketplace purchase ( seller : XXXX ). XXXX authorized a return extension beyond the original return window and issued a return authorization ( RMA ) with a final return-by date of XX/XX/year>. I relied on that authorization. On XX/XX/year>, I physically brought the items to a XXXX store to complete the return as instructed. Store staff scanned the return barcode ; however, the system failed and would not process the return. While I was in the store, XXXX customer service was contacted and acknowledged the issue and escalated it, but the return was never completed due to their system/process failurenot due to any action or inaction on my part. I subsequently disputed the charge with Barclays and provided documentation including : The authorized return extension to XX/XX/year> Walmarts in-store return instructions and barcode Evidence of my in-store return attempt on XX/XX/XXXX ( including timestamped photos ) XXXX correspondence acknowledging escalation Barclays denied the dispute , relying on a 30-day return policy. This is inapplicable because XXXX extended the return window and issued a valid RMA, and I attempted the return within that authorized timeframe. The denial does not appear to have considered the authorized extension or the documented, timely return attempt that failed due to XXXX system. I am requesting that Barclays : Reopen and re-evaluate the dispute based on the full record Correctly apply the not as described / defective merchandise standard, recognizing that a timely, authorized return was attempted but prevented by the merchants system Provide a written explanation addressing the authorized return extension and the documented in-store attempt on XX/XX/year> I have submitted a complete packet of supporting documentation via fax and can provide it again upon request.I am requesting a full reversal of the charge based on the merchants failure to complete an authorized return within the approved timeframe. I fully complied with all return instructions and attempted the return on XX/XX/year>, within the authorized extension. The return was not completed due to a system failure outside of my control.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, Capital One issued written confirmation that my Quicksilver XXXX Credit Card account ( ending in XXXX ) had been credited {$430.00} in connection with a dispute against XXXX XXXX ( Case No. XXXX ). The letter contained no reference to any hold or access restriction on those funds. On XX/XX/XXXX, a Capital One representative verbally confirmed the funds would be accessible by XX/XX/XXXX. They were not released and no written explanation was provided. On XX/XX/XXXX, I contacted Capital One and was escalated to Supervisor XXXX ( Agent ID : XXXX ), who offered two contradictory verbal justifications for the hold in the same call first that the merchant had not responded, then that the amount was the reason. When I requested written documentation of the hold, Supervisor XXXX stated verbatim : Theres no other document we can give you. He also reviewed my internal account history and confirmed Capital Ones own records corroborate my dispute, including my card being locked twice and me being on the phone with their fraud team during the disputed transaction. On XX/XX/XXXX, Capital One representatives on a recorded call verbally acknowledged that maintaining the hold violates Regulation Z but stated there was nothing they could do. Later that same day, Capital Ones own mobile application showed Case XXXX as Closed with the explicit statement : At this time, youll keep the credit of {$430.00} that we posted to your account. Despite this final written resolution, the hold remained. I submitted a formal written demand letter via Capital Ones secure message portal citing violations of 15 U.S.C. 1666, 12 CFR 1026.13 ( d ), and 15 U.S.C. 45. Within hours, Capital One sent a written email stating : As a result of the documents we received from you, weve reopened an existing merchant dispute for your account. Capital One has therefore created a written record explicitly connecting the reopening of a finally closed and resolved case to my exercise of statutory consumer rights under the FCBA.

Company response to consumer: Closed with monetary relief