vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a letter in the mail by XXXX it is written in XXXX claiming that they are a collection company trying to collect a debt by an creditor named XXXX XXXX for the amount of XXXX dollars. The letter is asking for immediate payment or will be subjected to lawsuit by credit collecting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a Serve Pay As You Go Visa Prepaid Card and loaded {$500.00} for the purpose of using Bill Pay and Direct Deposit. Upon following instructions to register the card, my application was denied by the issuer. According to the Serve/Pathward Cardholder Agreement ( " Rejection of Terms '' section ), a consumer who does not wish to be bound by the terms must contact customer service prior to using the card to request a refund of unused funds. Since my registration was denied, I can not access the account features I paid for, and I therefore reject the terms. On XX/XX/year>, I spoke with a representative named XXXX who refused my refund request, claiming the funds were " Spend Down Only. '' This is a direct violation of the written agreement which entitles me to a paper check refund for rejecting the terms. And while I was attempting to ask XXXX for the specific written policy he disconnected the call. This was XXXXXXXX XXXX. I then placed another call to Customer service and spoke with representative XXXX who also refused my refund request, again claiming spend down only. I was placed on hold. She stated that because I am not a registered member she can not issue me a refund. I advised that I read the rejection of agreement clause and it specifically says if you do not agree to your funds being held by XXXX contact customer service to cancel the card and request your fund in the form of a paper check. There is nothing about being a registered member. I was placed on hold again only to be told a supervisor named XXXX would return my call in two hours. I am not understanding the problem as all of this is in writing. I do not agree to the terms. I did not use the card. I still have my original receipt. I called customer service and requested a refund of the unused funds as the written agreement states.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Validation of Debt Request - MIDLANDCRE 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 : 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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am filing a complaint regarding recurring withdrawals made by a company called XXXX from my Bank of America account over approximately the past XXXX years. While I may have initially authorized a transaction believing the company was a legitimate e-commerce or business service provider, I was not clearly aware that this authorization would result in ongoing recurring charges. The billing structure and long-term financial impact were not adequately disclosed in a way that was clear and transparent. Over time, thousands of dollars have been withdrawn from my account. I did not fully understand that these charges were continuing, and I believe the companys marketing and presentation may have been misleading regarding the nature of the recurring subscription and total cost. I am requesting : A full investigation into how authorization was obtained Documentation showing clear disclosure of recurring billing terms Assistance in disputing recent charges Immediate prevention of any further withdrawals A review of whether proper billing practices were followed The cumulative financial impact has been significant, and I am seeking resolution and protection from further harm. If You Want It Slightly Stronger I believe the companys representation of its services and billing practices may constitute deceptive or unfair business practices.

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 2026-02-25 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: NY

Complaint narrative:
Bank of America, this is the third time my identity and bank information were stolen and someone make payment with my card. I called the bank to investigate, I saw the notification on my bank profile with a number that I did not authorize payment. They will refund and issue another card but this need to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: KY

Complaint narrative:
This company has taken over the debt from XXXX XXXX. Its been years since I requested written details to verify the collection. Ive repeatedly called. Theyre still reporting on a charge-off on my credit report, but I can not get a response from anyone to settle the debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NC

Complaint narrative:
This is my third formal complaint regarding this companys handling of my account and the conduct of its representatives. I am making repeated, documented, good-faith efforts to resolve and manage my debt, including cancelling a payment arrangement. Instead of receiving consistent and professional assistance, I have encountered repeated instances of dismissive and obstructive behavior. On my most recent call, I was instructed by a representative to call back in XXXX minutes. I complied with that instruction. When I called back within the specified timeframe, I was told it was lunch time. When I expressed concern about the inconsistent information I was being given and the ongoing issues I have experienced with this company, the representative stated, Im not even going to talk to you about this, and then disconnected the call. I am formally requesting that the company : Retrieve and review all recorded calls associated with my account. Conduct a full review of representative conduct across my interactions. Provide written confirmation that corrective action has been taken to address these repeated service failures. As all calls are recorded, I expect a comprehensive review of every interaction I have had with this company. I am documenting a clear pattern of unprofessional conduct, and I expect it to be addressed accordingly. I am attempting to resolve this matter responsibly. I expect this company to meet the same standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo regarding my credit card account, which had become delinquent. During a recorded call, I specifically asked multiple times whether making a payment of {$1300.00} would bring the account current and allow it to be reopened for use. The Wells Fargo representative confirmed that it would. Relying on those representations, I authorized a one-time payment of {$1300.00} on XX/XX/XXXX. After the payment was processed, I later learned that the account had already been permanently closed and was not eligible for reopening at the time of the call. This material fact was not disclosed to me before I made the payment. Wells Fargo later acknowledged in writing that inaccurate guidance may have been provided during that call. On XX/XX/XXXX, Wells Fargo contacted me regarding my request for a full payment reversal. I was informed that a full refund would not be processed due to internal minimum payment requirements. I declined a partial refund offer of {$580.00} because the payment had been made in reliance on incorrect representations and I requested either : Full refund of {$1300.00}, or Application of the payment as full satisfaction of the account balance. Wells Fargo has refused to reopen the account, refused to treat the payment as full satisfaction, and refused to refund the full amount. The account continues to be reported as past due with an outstanding balance. The {$1300.00} payment was made solely in reliance on representations that the account would be brought current and eligible for use. I would not have made that payment had accurate information been provided. Requested Resolution : Wells Fargo must provide one of the following remedies : - Reopen the account and report it as current, OR - Apply the {$1300.00} as full satisfaction of the account and report it as paid in full ( not settled for less ), OR - Refund the payment in full. Retaining funds induced by inaccurate information while denying the represented outcome is improper.

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 2026-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
In XX/XX/year>, a collection account for {$750.00} from XXXX XXXX XXXX was reported by I.C. System. I never received any written validation notice or notice of my right to dispute the debt. I disputed the account through XXXX, but the collector verified it without providing documentation to me. I requested written validation, an itemized billing statement, proof of my financial responsibility, proof of the collectors authority to collect, and proof that proper written notice was mailed. The company has not provided this information. This account is being reported on my credit file without proper validation or proof of notice. I am requesting that the company provide full documentation or delete the account from my credit 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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC
State: LA

Complaint narrative:
Company attempted to contact me with threatening and rude tactics. When I asked to please mail any information to me, the agent became very aggressive. This is extremely unprofessional and I hop you all can shut this company down. There are many complaints against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I booked a stay at the XXXX XXXX XXXX through XXXX XXXX. The deposit was 50 % of the total stay, {$750.00}. Upon arrival at the hotel on XX/XX/XXXX, I was required to pay the full amount of {$1500.00}, being told it was a hold that would be adjusted to reflect the paid amount. In the fine print of my initial booking through XXXX XXXX confirms the deposit would be charged back. I reached out to Chase, the card the full amount was charged to, telling me that I had to reach out to XXXX XXXX, who told me to reach out to the Dreams Sands resort, who then told me to contact XXXX XXXX. Upon confirming XXXX XXXX. told me to contact the resort, I was then told to contact XXXX, a third party platform which I have not been able to fully receive any information about. This has been an ongoing dispute that now Chase says they can not resolve because it has " passed the review period '' despite them telling me that I had to contact XXXX XXXX on account that a dispute claim was actually submitted and I failed to reply to information requests, despite never receiving additional contact. Additionally with this was a overcharge dispute from a local shop in XXXX, also unresolved on the basis that I failed to reply to communication I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I have a RV loan under BMO bank and a payoff check was sent to them coming from my XXXX Heloc account. The check was sent via Certified XXXX overnight with tracking # XXXX and was received by BMO bank and was signed by XXXX XXXX XXXX XX/XX/year>. As per XXXX Bank the Certified Check with the check # XXXX with the amount of XXXX was cash out on XX/XX/year>. Called BMO bank and spoked to several Representative including Supervisors, Being escalated, They did research but still claiming that it was missing. Called XXXX Bank and initiated a stop payment but unable to do so because the check was already cash out. XXXX bank unable to provide me any confirmations or any transaction number regarding the check transactions as a proof. I'm calling both parties every single day but both parties doesn't provide any resolutions and just going back and forth blaming each other. BMO bank is just kept saying that the check is missing and XXXX Bank is claiming that it was cash out. So i'm stuck in the middlle without any explanation while my loan on both banks is actively charging me daily interests. My BMO account loan # is XXXX and my XXXX XXXX acct # is XXXX. You can call me for more information at my cell # XXXX. I might not be able to answer your call because it will register on my phone as unknown but please do leave me a message. Thank you so much and hope that you could help me out on my problem. Thank you!

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint regarding USAAs denial of my XXXX fraud dispute for a {$130.00} transaction on XX/XX/year>. I sent a {$130.00} deposit via XXXX for a washer and dryer listed on XXXX XXXX by an individual identifying herself as XXXX XXXX. The seller stated that I would pay the remaining balance upon pickup the following day. The XXXX payment was sent to an account under the name XXXX XXXX, which the seller stated was her husband. After receiving the deposit, the seller changed the agreed terms and pressured me to send the remaining balance immediately, claiming she needed the funds for another purchase. This was not part of our agreement. Due to this change and the pressure being applied, I withdrew from the transaction and requested that my {$130.00} deposit be returned. The seller refused to return my money. The item was never delivered, communication ceased, and the XXXX listing and profile were removed. I submitted a dispute with USAA, but it was denied on the basis that the transaction was authorized. However, the authorization was based on fraudulent misrepresentation and deceptive conduct. I did not receive any goods or services, and I withdrew from the transaction and requested a refund prior to completion. I have also filed a complaint with the XXXX XXXX XXXX XXXX XXXX ( XXXX ), Submission ID : XXXX. I am requesting that USAA reconsider this claim and reimburse the {$130.00} lost due to fraud.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
My Cash App account was permanently closed approximately XXXX weeks ago for a stated violation of terms. No fraud, chargebacks, or suspicious activity were cited. At the time of closure, my account had a remaining balance of {$1000.00}. I contacted Cash App support multiple times to request withdrawal of my remaining funds. I was told I must relink a previously used bank account. However, that bank account is permanently closed and can not be reopened. Cash App has not provided any alternative method to return my funds, such as issuing a paper check. I am requesting that my remaining balance of {$1000.00} be returned to me promptly by paper check or other available withdrawal method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my TransUnion credit report. Charged-Off Accounts in Dispute XXXX Account # XXXX ( XX/XX/XXXX {$1300.00} ) XXXX XXXX Account # XXXX ( XX/XX/XXXX {$7300.00} ) XXXX XXXX Account # XXXX ( XX/XX/XXXX {$5500.00} ) XXXX XXXX XXXX Account # XXXX ( XX/XX/XXXX {$280.00} ) XXXX Account # XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX {$2700.00} ) These accounts are being reported as charged off. I dispute this reporting as inaccurate or unverifiable. I request that TransUnion obtain full verification from the furnishers. If verification can not be provided, these accounts must be removed or corrected. Late Payment Accounts in Dispute XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX I dispute the reported late payments and request verification from the furnishers. If verification can not be provided, these late payments must be removed or corrected. I request TransUnion : Conduct a reinvestigation of all disputed items. Provide proof of verification from the furnishers. Remove or correct any unverifiable information. Update my credit file immediately.

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 2026-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
CAINE & WEINER is reporting a collection account on my XXXX credit report for {$1200.00} related to XXXX. The account shows a date opened of XX/XX/XXXX, and is currently reporting as {$1200.00} past due as of XX/XX/XXXX. I did not receive proper validation notice as required under XXXX CFR XXXX before this account was furnished to the credit reporting agency. I was not provided the required itemization of the debt or full disclosure of my dispute rights prior to the account being reported. Despite the lack of proper validation, CAINE & WEINER furnished this account to XXXX and continues to report it. I believe this reporting violates XXXX CFR XXXX, 15 U.S.C. 1692e ( false or misleading representations ), and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for furnishing incomplete or inaccurate information. This account is negatively affecting my credit profile even though the required disclosures and validation were not properly provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am being harassed for a payment that Bridgecrest 's own automated systems ( SMS and Website ) confirmed was not due until XX/XX/year>. I have screenshots of the bot and the dashboard explicitly stating the account is current. Despite this, I am receiving collection threats for a payment that their system told me was not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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:
I attempted to transfer money from my Cash app account to my son 's social worker in Rhode Island but the transaction got declined due to security purposes however after communicating with Cash app via chat and via a telephone call where I identified myself and explaining the situation to them, they stated I need to wait until tomorrow XX/XX/year> to see " if the transaction may go through '' I explained this is an emergency, as my son needs these funds today for food and clothes but Cash app rep said they can not help and hung up the call on me, I am now unable to access any of my funds at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a claim against XXXX XXXX on the phone with the Bank of America XXXX department, and the person on the phone put the claim as XXXX XXXX instead of XXXX XXXX. Bank of america gave me temporary credit and took it right back putting my account in the negatives

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 monetary relief