vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX in the morning my Cash App was hacked for 4 separate payments to someone I don't know for a total of {$800.00}. When I disputed the transactions Cash app denied my claim stating it was false dispute and closed my account. When I tried to get a reason I was told my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am writing to formally express my frustration and disappointment regarding the conflicting and inaccurate information I received from multiple Bank of America representatives concerning the availability of funds from a U.S. Treasury check deposit. On XX/XX/year>, I contacted Bank of America through the in-app chat feature to confirm the availability of funds if I deposited my IRS tax refund check into my account. The customer service representative assisting me ( XXXX ) informed me that checks drawn on the U.S. Treasury would be available the next business day if deposited before the close of business. Because I have previously experienced extended holds with Bank of America, I specifically asked XXXX to confirm this information again. He reassured me that the funds would indeed be available the next business day if I deposited the check at my local branch before closing. Based on that information, I went to my local Bank of America branch in XXXX, XXXX and deposited my IRS refund check. After the check was endorsed and processed through your system, the teller informed me that there would be a partial hold on the funds. She stated that {$6700.00} would be available the next business day and that the remaining funds would be released within five business days. I explained to her that this directly contradicted the information I had just received from Bank of America customer service. Unfortunately, she indicated there was nothing she could do and provided me with the phone number for the department that handles check holds. This morning, I discovered that the entire check amount of {$19000.00} has been placed on hold. This is not consistent with what I was told by either the chat representative or the branch staff. I contacted the check hold department and was told the issue could be escalated, but that a review could take XXXX hours. I also requested a supervisor and was given the same information. This situation has placed me in a very difficult position. I specifically verified the availability of funds before depositing the check because I needed the funds to make my mortgage payment today. If the payment is not made, it could jeopardize a mitigation agreement I currently have in place with my lien holder. I also maintain an account with a local credit union. Had I been given accurate information regarding the hold, I would have deposited the check there, where no hold would have been placed on the funds. I relied on the information provided by your representatives and made my decision based on that guidance. Unfortunately, I was given conflicting and ultimately incorrect information multiple times, which has now created a serious financial issue for me.

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 2026-03-04 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: NY

Complaint narrative:
Validation of Debt Request - TRANSWORLD SYSTEM INC/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 ) 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 : 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 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am beyond furious to find that a collection account from EXPERIAN is being reported on my credit file, which I absolutely do not recognize. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX date opened XX/XX/year>, is an account I have no knowledge of and NEVER authorized any party to report. I contacted the collection agency and requested proper validation, but they have completely failed to provide anything. This is a clear violation of 15 U.S.C. 1681b, which prohibits the reporting of accounts without permissible purpose and my authorization. It is also a blatant violation of 15 U.S.C. 1681e ( b ) for reporting unverified information, severely damaging the accuracy of my credit report. This unrecognized collection account is wrecking my credit score and directly impacting my ability to get approved for loans or credit. I am demanding immediate action to investigate this matter and DELETE this unauthorized account permanently from my credit report. Furthermore, I am asking the CFPB to step in and hold Experian accountable for this outrageous violation. This can not stand, and I will not let it. I expect written confirmation once this is resolved. Enough is enough.

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 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
b'negative reports still showing, not removed, not mine.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: OK

Complaint narrative:
I made my payment on XX/XX/XXXX First Progress Card on a secured credit card with XXXX dollar balance put a verification hold on my account and refuse to give me my available credit. It cleared my bank. They are demanding my bank statements when I give those to no one to protect my accounts. When they tell me they will not release the available credit which they have the entire XXXX credit limit on hold even though there is a XXXX balance on the account. I proceeded to say then I need to close my account and have a check within 5 to 10 days and I will charge 40 percent interest from the date of the payment they said it will take 30 days to process and send me a check. They are holding my money hostage and stealing from me. They refuse to give me my available credit or cut me a check for my secured line of credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
Validation of Debt Request- THE BUREAUS - 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 ) 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 : 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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: KS

Complaint narrative:
In XX/XX/XXXX, Commerce Bank was advertising a promotion on XXXX for a {$700.00} bonus for opening a checking account and performing qualifying activities ( {$5000.00} direct deposit ). I used the promotion code to open a checking account with Commerce Bank on XX/XX/XXXX. I completed the necessary required activities for the bonus, including the {$5000.00} direct deposit requirements, and Commerce is refusing to pay the bonus. On XX/XX/XXXX, I was told by Commerce Bank that the offers were not public and that I therefore did not qualify and thus are denying my bonus. Commerce Bank has publicly advertised their promotions on XXXX ( as seen on their public XXXX links below ). Their marketing is misleading and denial of the bonus is unacceptable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Commerce Bank should issue the {$700.00} bonus as their marketing promoted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MT

Complaint narrative:
I am filing a complaint against PNC Bank for the policy used against customers. XXXX. XX/XX/XXXX, used 'bill-pay ' feature that said that a payment would be made a specific day. It did not happen. In the end PNC made it 'right '. PNC said Bank error XXXX. XX/XX/XXXX. Repeat of system failure in XX/XX/XXXX. PNC said bank error XXXX. Went online to transfer money to outside financial institution. PNC immediately removed money from my account. XX/XX/XXXX the outside institution has NOT received the transfer. Initiated transfer on XX/XX/XXXX Resolution : Closed all accounts with PNC Bank XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
Product : Mortgage Issue : Trouble during payment relief / forbearance Company : Lake Michigan Credit Union ( XXXX ) Complaint Narrative : I am submitting this complaint regarding Lake Michigan Credit Union ( XXXX ), the mortgage servicer for my home loan, which is investor-owned by XXXX XXXX XXXX This is the second time I have had to escalate issues with XXXX to XXXX XXXX due to XXXX providing inconsistent information and denying or discouraging forbearance options despite my documented hardship and active investor escalation. Background : - I have a documented medical hardship ( XXXX XXXX ) and periods of unemployment and reduced income. - XXXX XXXX confirmed to me that detailed medical records are not required for hardship-related forbearance, and that my case remained under investor review. - Despite this, XXXX repeatedly requested increasingly detailed medical documentation and rejected employer letters that clearly stated my unemployment status. - Ultimately, XXXX approved my prior forbearance only after a formal XXXX XXXX escalation and conference call involving XXXX XXXX and XXXX management. Current Issue ( XX/XX/year> ) : My XXXX XXXX escalation is currently active. On XX/XX/year>, a XXXX XXXX ( XXXX XXXX ) told me by phone that : - XXXX does not intend to extend my forbearance, - I can not stay on forbearance forever, - My efforts were not good enough, and- Pressured me repeatedly about my ability to pay multiple XXXX loans. - During the same call, he referenced repossession agents allegedly seeking my vehicle, which was alarming and unrelated to the active mortgage forbearance review. - These statements were made before any written decision was provided. I contacted XXXX XXXX immediately following this call. XXXX XXXX advised me to document the issue and confirmed the matter would be assigned to an escalation representative. A formal servicer complaint has already been logged with XXXX XXXX. Concern : I am concerned that XXXX is : - Misapplying XXXX XXXX forbearance guidelines, - Applying discretionary standards inconsistent with investor rules, - Discouraging or pressuring borrowers during active hardship review,- And failing to provide clear, consistent written communication. I am requesting that XXXX be required to : - Provide written clarification of my forbearance status, - Confirm that no adverse action will occur during active investor review, - And ensure compliance with XXXX XXXX servicing requirements going forward. I am not seeking special treatment only a fair, guideline-compliant review and accurate communication.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: FL

Complaint narrative:
Please be advised that I just sent my disputes to CFPB and attached a wrong file. Thus, I am resubmitting my complaints with correct attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: FL

Complaint narrative:
I applied online on XXXX XXXX using a specific Welcome Offer ( " {$200.00} Cash Back after you spend {$500.00} with 3 months from account opening '' ). I did take screenshots of first the offer along with the page that I got approved for. I did meet the terms on time, Making the purchase of {$500.00} + actually withing 2 months making sure it was done beforXXXX XXXX XXXX XXXX I also have pictures showing so the purchases within way before timeframe. Did call Capital One for them to tell me why it didn't get added to the account, they refused to honor the bonus or correct the issue. I spoke to Supervisor having it escalated but still did not want to acknowledge and I asked for them to send it in form of writing like email which she mentioned she couldn't do since they don't have a customer service email... I wonder why? I did record her stating they would not give me the offer bonus. I am aware that there have been multiple consumer complaints and at least one lawsuit alleging that Capital One failed to honor advertised cash-back and sign-up bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a Bank of America credit card XX/XX/year>. I download the BofA app and set up an online account. Now I don't have any other accounts with BofA. I log in and there is an approved balance transfer of around {$1400.00} that I did not approve. A fraudulent balance transfer. Called BofA, they cancelled the card and closed my account with them completely. They told me they were filing a claim and I would hear back from them. In the meantime they told me they would put a freeze on my card so I won't get dinged for lack of payment. Every month I am sent an email reminding me to pay my bill. Each time I call BofA again, and they tell me they see my previous claim but that it had been withdrawn by someone. Not me, obviously. So they resubmit the claim. And the cycle starts all over again. This cycle has happened 2-3x now. Currently I am getting automated calls from BofA regarding my non payment. And it is beginning to negatively impact my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not applied for credit with this institution.

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 2026-03-04 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: KEYCORP
State: WA

Complaint narrative:
On XX/XX/year> I closed on a home in the state of New York. On XX/XX/year> the real estate attorney went to a key bank branch at XXXX XXXX XXXX XXXX XXXX, NY XXXX. She deposited two transactions. One is the amount of {$100000.00} and the second is the amount of {$42000.00}. When I logged into my Key Bank portal it reflected the amount deposited. I then proceeded to pay off several credit cards and an auto loan as well as deposited a large chunk into my high yield savings account. The next day, XX/XX/year>, I check my account and it is negative XXXX. I contacted Key Bank and they informed me there is a hold on a large portion of the funds ( {$95000.00} is the hold amount ) and the hold will be released on XX/XX/year>. I contacted the XXXX XXXX branch which the deposit was made and she told me there is nothing they can do and to contact the main office. I then contacted the main Key Bank corporate number and am told that someone will reach out to me in two days to review my options. I am now being charged overdraft fees from Key Bank. I need the funds released from hold so the transactions are able to go through without my account balance being negative and incurring extra fees. The transactions on the payments to XXXX XXXX XXXXXXXX credit card, XXXXXXXX XXXX credit card, XXXX XXXXXXXX credit card and XXXXXXXX XXXX all reflect to have gone through and are unable to be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have received excessive and repeated phone calls from this company regarding an alleged {$150.00} debt. I have requested proper validation of this debt at least five times, and it has now been well over 60 days since my first request. Despite these requests, I have not received a single document or piece of correspondence validating the debt. I also never received the required written notice before this account was placed on my credit report, which raises concerns under the Fair Debt Collection Practices Act ( FDCPA 1692g ( a ) ), which requires that consumers receive written notice of the debt and their rights to dispute it. I have already filed an FTC complaint and a complaint with my State Attorney General regarding this matter, and I have also contacted a consumer rights attorney. At this point, I am prepared to pursue legal action because the violations began before the debt was even properly validated. If this company believes it has proper validation of this alleged debt, then that validation must include : documentation identifying the original creditor, a full accounting of the alleged balance and how it was calculated, documentation proving the debt belongs to me, and documentation demonstrating that the company has the legal authority to collect the debt. These documents must be attached and provided through the CFPB complaint response. I will not accept anything other than these documents as lawful validation of the debt.

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 2026-03-04 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: CA

Complaint narrative:
Validation of Debt Request - XXXX XXXXXXXX XXXX - 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 ) 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 2026-03-04 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: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/XXXX I received a email from XXXX saying my purchase had been approved. And I was confused because I havent purchased anything on XXXX since early XXXX. So I saw that someone I guess got into my account and bought something. So I contacted XXXX and my bank thinking this would get resolved and XXXX denied my claim. So now I will be forced to pay {$400.00} for something I didnt purchase. So Im not sure what to do. When i looked it up online it said to file a complaint with you all so that is what I am doing. It says the charge was from some place in XXXX. When I tired looking that place up I saw that it wasnt even in America. Im attaching a picture of the charge from XXXX, the charge on my debit card and the XXXX information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have no debt to the company " National Credit Systems '', as I have never done business with such creditor.

Company response to consumer: Closed with explanation