vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
NFCU is holding a legitimate legal settlement check issued by the law firm XXXX XXXX XXXX XXXX, repeatedly resetting the availability clock without legal justification, and hiding the funds from my account ledger. Friday, XX/XX/year> : I deposited the settlement check at an NFCU branch. Saturday, XX/XX/year> : The funds cleared and showed as " Available '' Sunday, XX/XX/year> : NFCU locked the account due to an automated " Fraud Activity '' flag Monday, XX/XX/year> : I visited a physical branch. Staff unlocked the account but stated the back office placed a new 5-day hold starting that day. No written receipt or hold notice was provided. Monday, XX/XX/year> ( At XXXX XXXX ) : Following the branch 's instructions to escalate, I called the phone support line and spoke directly with a supervisor. The supervisor verbally informed me that they were manually placing another 5-day security hold on my funds starting at that moment. Crucially, the supervisor explicitly stated on the recorded line that " there is no reason listed on the account system '' for this hold. Abuse of Exception Holds ( 229.13 ) : A financial institution can not repeatedly alter or extend a hold timeline within the same day without a valid, lawful reason ( such as reasonable cause to doubt collectibility ). A supervisor admitting that " no reason is listed '' proves this hold is entirely arbitrary and non-compliant. Failure to Provide Statutory Written Notice ( 229.13 ( g ) ) : NFCU has failed to provide a physical or digital Hold Notice detailing the specific reason for the hold and a firm availability date. Total Lack of Ledger Transparency : The deposited funds do not appear anywhere on my online banking profilenot as available, pending, or held. NFCU has effectively scrubbed the funds from my view, blocking my ability to track my own property. Denial of Documentation : The branch staff refused or failed to provide me with any physical printouts, deposit receipts, or a statutory written Hold Notice detailing the security hold. Disappearance of Funds : As of today, the deposited settlement funds do not show up on my online account ledger at all. The funds have completely disappeared from my available balance. Only shows pending transaction history, effectively hiding my money without my consent or a tracking trail. Under Regulation CC ( 229.13 ), a financial institution is legally required to provide a consumer with a written or digital Hold Notice specifying the exact reason for a hold and a firm availability date. Withholding a deposit from view and failing to issue a transaction receipt violates federal banking transparency standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to formally request a resolution regarding the lockout of my online banking access, which has been restricted since XX/XX/year>. Despite my repeated efforts to resolve this with both the personal checking and credit card fraud departments, I have been unable to regain access to my funds or account information. My online access was blocked without prior notice. When I contacted the provided support number, I was directed to the credit card fraud department regarding my Capital One credit card account. As requested, I submitted my drivers license and an SRP utility bill to verify my identity. After XXXX weeks without the promised follow-up, I was told the utility bill was insufficient. I subsequently submitted a XXXX utility bill, but after another XXXX weeks, I was informed that my credit card account would be suspended indefinitely. While representatives have assured me that my checking account remains active and unaffected, I am still blocked from online access. This prevents me from activating my debit card, accessing my fund, viewing balances, bill payments, or printing statements. Each department I speak with directs me to the other, creating a cycle of misinformation that leaves my primary banking access restricted. I request that my online access be restored immediately or that a supervisor provide a clear, actionable path to unlocking my checking account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
This is regarding a transaction from XX/XX/XXXX, labeled as XXXX XXXX XXXX XXXX for {$37.00}. The merchant at the time was XXXX XXXX, advertised on XXXX for the XXXX XXXX XXXX XXXX. Well after waiting four months, thinking they were legitimate only to have them do of the face of the XXXX, I discovered XXXX XXXX was a fraudulent company that several people were victims of. I filed the dispute with XXXX on XX/XX/XXXX explaining that the charge is fraudulent. I waited a whole month, no contact via email until beginning of XXXX, requesting additional info which I attempted to upload XXXX times only to receive an error, which I had already answered in chat. The days later XXXX closed the dispute. I asked them to reopen, ,I representative aired me this would be done. But I received no contact. I checked back again and another rep said the appeal case was denied and gave me no reason behind the denials. So I asked again for a re-appeal, they assured me this would be done. I have still not received any contact from XXXX and have not received any refund for the transaction. Thus, I would like to file this complaint for resolution. This has been a frustrating and emotional experience that has made me feel powerless and taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Help, my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC
State: GA

Complaint narrative:
This company p & b capital group scammed me out of {$530.00}. I had a balance of XXXX dollars I owed to fundbox which p & b said they were in charge of in XXXX. They threatened to sue me if I did not respond and pay this debt. It was a scare tactic, and it worked as a mother of XXXX. I paid 2 payments of XXXX in XXXX and XXXX to XXXX XXXX who works for p & b capital group. I even called the number to verify the legitimacy of the company and it seemed to be a legitimate company who buys debt from companies but I was completely wrong! I got a email from fundbox saying my debt was sold to a completely different company and that I owed XXXX still!!! When I should only owe XXXX! I also received payment receipts from p & b which clearly were a SCAM!!! I am no longer making payments on this debt till its been credited that I paid {$530.00} which I have receipts and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Credit Collection Services, File # XXXX, is attempting to collect {$910.00} for XXXX XXXX XXXX Co. This debt is invalid. Timeline : XXXX. XX/XX/year> : Consumer paid XXXX {$570.00} covering policy period XX/XX/year> to XX/XX/year> in full. XXXX. Before XX/XX/year> : Consumer verbally cancelled policy due to premium increase from {$570.00} to {$710.00}. Per Massachusetts MGL Chapter 175 Section 113A, verbal cancellation before renewal is legally binding. XXXX. XX/XX/year> : Consumer obtained XXXX XXXX XXXX, Policy # XXXX, proving continuous coverage with no lapse. XXXX. XXXX ignored legal cancellation, renewed policy without consent, and sent invalid {$910.00} balance to CCS. XXXX. Consumer paid CCS {$200.00} total in two {$100.00} payments UNDER DURESS to avoid threatened credit damage. Payment does not constitute admission of debt. 6. Consumer req uested debt validation from CCS. CCS failed to provide proof consumer agreed to {$710.00} renewal or that debt is valid. No validation provided per FDCPA 15 USC 1692g. 7. Consumer filed complaint with MA Division of Insurance against XXXX for unfair claim practice MGL c.176D 3. Violations : FDCPA 15 USC 1692f for unfair practices. FDCPA 15 USC 1692g for failure to validate. MGL c.176D 3. Resolution demanded : 1. Full refund of {$200.00} paid under duress 2. Immediate deletion from all credit bureaus per FCRA 15 USC 1681s-2 3. Cease all collection activity per 15 USC 1692c ( c ) 4. Written confirmation debt is invalid with {$0.00} balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
On XX/XX/2026, at approximately XXXX XXXX, I was contacted by a representative of Absolute Recovery Services regarding an alleged debt. During this communication, the representative used an aggressive and intimidating tone and stated that they would document me as refusing to pay. This statement was false, misleading, and coercive. At no point did I refuse to pay ; I was attempting to understand my options and resolve the matter appropriately. This language appears to be a deliberate attempt to mischaracterize my position and pressure me into payment through intimidation.I also attempted to contact Absolute Recovery Services recently in an effort to resolve the alleged debt, but I did not receive any response. Additionally, I have not received any written communication regarding this account by mail or email, and all contact has been by phone only.This conduct has caused me significant stress and constitutes harassment and the use of deceptive collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: NY

Complaint narrative:
CRI, a servicer for my federal student loans, has an incorrect date of birth on file for my account. This error prevents me from logging into my account on XXXX, so I can not view my balance, set up payments, or make any payments toward the debt. I have contacted CRI multiple times to correct this : Called their customer service line ( XXXX ) three times. Emailed supporting documents ( state-issued ID and proof of correct date of birth ) numerous times over the past several weeks/months. Each time I followed up, I received only generic automated responses stating the matter was under review, with no actual correction, timeline, or substantive response from the no-reply email address. As a direct result of CRIs failure to fix their own data error, I remain locked out of my account. Interest continues to accrue on the loans while I am unable to make payments that I am ready and willing to start. I recently sent a formal written complaint via email detailing the full history and requesting immediate correction and access restoration, but have not received meaningful resolution. This has caused ongoing financial harm due to unnecessary interest accumulation caused by the servicers error and lack of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have attempted multiple times to resolve my XXXX XXXX XXXX with Transworld Systems. I mailed certified settlement letters delivered XX/XX/XXXX and XX/XX/XXXX, and I also submitted multiple online messages through TSIs website. I offered {$500.00} as a lump-sum settlement and requested a written response. TSI has not responded to my XXXX XXXX settlement request. However, TSI has contacted me about a separate XXXX XXXX XXXXXXXX account that was already settled and paid on XX/XX/XXXX. I am requesting written confirmation of whether my XXXX XXXX settlement offer is accepted, rejected, or countered, and I request that TSI correct its records regarding the already-settled XXXX XXXX XXXX account. I have a reference number for the settled payment for the XXXX XXXXXXXX XXXX it is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND WAS REPORTED IN ERROR. I HAVE NEVER OPENED, AUTHORIZED, OR HAD ANY AFFILIATION WITH THIS ACCOUNT. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF IT CAN NOT BE VALIDATED WITH COMPLETE AND LEGITIMATE DOCUMENTATION, IT MUST BE REMOVED 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 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: CITIBANK, N.A.
State: GU

Complaint narrative:
Hello my name is XXXX XXXX, I am writing to report multiple unauthorized charges made to my citi bank credit card by thisestablishmentXXXX XXXX XXXX. On XX/XX/year> while on vacation I visited thisbar and ordered 2 drinks, where my card was held by staff for payment purposes. During this time, several charges were made to my account without my consent, totaling {$3800.00}. I also attached a screenshot of the charges When I decided to leave, my card was returned to me, and I later discovered the repeated charges, several of which I have disputed with my bank. Thank you for your prompt attention to this serious matter.

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
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I signed up for a Chase checking account in XXXX for a coupon where when you deposit over {$1000.00} into your bank account then you get a {$400.00} reward now I have deposited over {$1000.00} with direct deposit in my bank account one to XXXX XXXX XXXXXXXX and two through XXXX XXXX XXXX. However I still have not received the coupon when I went in person they said that my XXXX XXXX XXXXXXXX balance was unable to be processed because the title of the deposit has refund since it functions as a stipend through the company despite following the proper rules I still have not received the coupon. I have gone twice in person in the last two weeks about late XXXX early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to provide, upon request, a detailed description of the procedures used to reinvestigate disputed information. I specifically requested the name and contact information of the furnisher, the identity of the individual contacted during the reinvestigation, and the documentation relied upon to verify the accuracy and completeness of the disputed account. The agency did not provide the requested information within the 15-day period mandated by law. This failure to disclose the method of verification constitutes a clear violation of the FCRA and deprives me of the opportunity to determine whether the disputed information was properly, independently, and lawfully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I have been sending money to XXXX for years, WESTERN UNION has been my go to company for wire transfers, for the past two years WU has blocked my access to send money. As a Veteran, I have seen devastation around the world and XXXX has not recovered from the last Hurricane. I have called WU about accessing my WU account with my history. I have sent money with the XXXX and XXXX. Today, I tried to log onto my account in front of a WU vendor. The email that WU claims is the active account is XXXX. I havent used this email with WU. During the call to WU on XX/XX/year>, a reset password was sent to this email, which is the first and only. My entire history with WU is connected to the other emails, why would I dismiss my own history. I am tired of being a joke for this company, I am spending my hard earned money that they are taking and blocking me from helping people in need. This company is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

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