vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc.
State: AZ

Complaint narrative:
The company did not provide me with the access that was advertised when I opened my account. According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), it is essential to ensure that consumer reporting agencies fulfill their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX  and XXXX  are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies. ) is a financial institution by definition under the title, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnisha consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to twho it relates. '' ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Funisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I want all my interest payments towards my car loan so I can be over the payments I have with you Ive had this car longer than my original loan plan and you keep adding more interest fees and late payments I need all my monthly payments on to my full loan amount so it can be paid off already

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I reviewed my credit report and seen i had some collections for accounts i didnt open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
the company acknowledged the closing of my account by XXXX XXXX, XXXX and I paid the balance. the company never disclosed that there is credit card insurance, and it needs to be closed. so, this insurance continues on daily balance accumulation. it is {$1.00} in XXXX and XXXX in XXXX by XX/XX/XXXX it is {$1.00}. and can not tell me when I call XX/XX/XXXX how much will be in XXXX XXXX because it's not yet XXXX XXXX, XXXX in this way I can never clear once for all the insurance billing/accusation because I never receive prompt balance statement on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Estimates Amount Stolen from my account at Navy Federal Credit Union {$70000.00} Once Navy Federal Credit Union froze/restricted my debit card usage for a year all the other institutions have followed suit. Im cornered and this is the only source I found and hopefully you can help me.I can go anywhere, not even to my XXXX-appointment. I have documentation to show proof of my XXXX. I will provide per your request. As far as my compensation im requesting a Million dollars. For the countless hours Ive spent on the phone. Getting treated like a criminal at their XXXX branch. I waited in line alone for these two guys to stop flirting with each other. Once they finished, I stood there and had to ask for help. Just to be talked down to and told I wasnt allowed a debit card and its restricted for a year. And that was it. No documentation, or signing anything. It was one of my most degrading embarrassing moments of my entire life. Thats not to mention what happened after the fact. I got so embarrassed at the gas station due to the fact that of my other cards were all declined again ( XXXX XXXX  ) and again ( XXXX ) and again ( XXXX XXXX ). Its Derating to have to ask my parents for gas money at the of age XXXX. Stolen estimate amount {$70000.00}. For the disloyal, disrespect and embarrassment and not including my health aka my XXXX. Theres no price Id rather see prosecution than money. 
Ive lost my job, my house and my family and diagnosed with XXXX. I can care less about the money I want justice! XXXX or a Million dollars. This has been going on for years. All I did was work and provide for my family. My commute was from XXXX XXXX to XXXX XXXX XXXX hour and XXXX XXXX XXXX each way. Once I passed probationary period and officially hired on I moved my family out due to the fact that Our neighbor started selling XXXX and their clients started going in our property. I was fortunate enough to get my family out to a safer and bigger home in XXXX. Ive also been missing out on job interviews XXXX. I dont have access to any of my funds to put gas on my car and XXXX. I can not download zoom app because apple requires a valid card on file, non of cards work since Navy Federal Credit Union place a restriction on my debit card. I will email a list of payments and transfers I am referring to, it starts from year XXXX. Thank you for your time and consideration. 

Heres an example double charges XX/XX/XXXX {$8.00} XX/XX/XXXX {$8.00} Transfers to my checking account from XXXX I have no clue what that is but it comes out of my savings and into my checking account that disappears. High amounts of $ XXXX {$3000.00} I will be placing a second complaint for my savings account since this is only referring to my checking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal is blocking receipt of a payment to me in the amount of {$6.00} from XXXX XXXX XXXX, a major class action lawsuit administrator. The payment was sent via major institution, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  PayPal XXXXXXXX XXXX XXXXXXXX. 

PayPal will only provide this excuse : " As part of our security measures, we review certain payments more closely to ensure our platform is being used properly and to minimize the potential risk for us and our customers. This payment is currently being reviewed. We are working to resolve this matter as quickly as possible. We apologize for the inconvenience. '' There is absolutely NO reason this transaction is blocked, except for PayPal incompetence. 

Please see attached emails, and PLEASE NOTE, the funds are NOT available to me despite the statement of the one email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am XXXX XXXX XXXX who is lawfully present in the United States on a XXXXXXXX XXXX 

In XXXX, while already in valid XXXX XXXX, I obtained a U.S. domestic auto loan from Wells Fargo Bank , N.A . for the purchase of a vehicle in the United States. 

The loan is entirely domestic. All payments are made from U.S. accounts, and the transaction does not involve XXXX, XXXXXXXX XXXX XXXX, or any sanctioned persons or entities. 

Wells Fargo has recently restricted my access to the loan account and has refused to accept installment payments, stating that this action is based solely on my Iranian citizenship, despite my lawful presence in the U.S. and submission of immigration documentation. 

I am not listed on the OFAC Specially Designated Nationals ( SDN ) List.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I copy my ssn, social security and drive license. 
I wrote a letter explaining why I would like to freeze my credit due to fraudulent activity. 
I only ask to be able to create an account to freeze my credit. 

The irony is that I can do for other 2 credit bureaus without any issue.

When I call them, they give me run around about how I should buy protection from them. 
I ask just to authenticate my info so I can log in and freeze my account, they give me how I should send more info. It is like a loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding ProCollect Inc. for inaccurate and unverifiable debt collection reporting. ProCollect is reporting a collection account on my credit reports for approximately {$1100.00} related to a rental/lease debt ( original creditor : XXXXXXXX XXXX XXXX  ). 
I disputed this account with XXXX  on or about XX/XX/. XXXX  completed the dispute investigation on XX/XX/XXXX  ( confirmation number : XXXX ), and I was later notified on XX/XX/, that the account would remain on my credit report. The collection account continues to report as unpaid after the dispute was completed. 
I requested written debt validation directly from ProCollect, including the lease agreement or proof of liability, a full move-out ledger/itemization of charges, and documentation showing ProCollects authority to collect and report this debt. I have not received sufficient documentation to validate the alleged debt or the accuracy of the reported amount. 
I am requesting CFPB assistance to require ProCollect to provide proper validation and correct or delete any inaccurate or unverifiable credit reporting.

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 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Debt collector or the company never contacted me about this bill. Ive already canceled my account XXXX XXXX XXXX and moved my line to XXXX  doing that I had no bills to pay at all even if I had a bill it should have been communicated clearly to me or somebody should have called me that collector just went there and added it to my credit score without any notification, knowing that the amount is already wrong

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I filed through disputes in the amount of {$400.00} in with cash out. In two days later I got an email stating that all of those claims were eligible for temporary credits and they couldn't have came at a better time cuz my dad passed away that morning and they froze his bank accounts and I couldn't get my money out so I was at a gas station out of gas at the time and I messaged and called Cash app and they told me that I would have the money in my account by the following day so. So I ended up staying the night in my truck at the gas station just to find out the next day there was no money in my account. So my truck ended up getting towed because they wouldn't give me my money when they sent me notifications saying that I was eligible for it. Then when I get home 2 Days later my electricity got cut off cuz I couldn't Auto draft the money on my dad 's account so I called Cash up again and I told him my lights were out now and they said too bad you have to wait till the process is done for the investigation of the claims. So I've lost my family member of lost my vehicle and I've lost power in my house and now the water is out in the house too because of cash out won't give me my money I want to sue these people

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CA

Complaint narrative:
I made a checking account with Bank of America deposited money, received debit card tried to use my card it disappeared from account, called customer service spoke to XXXX he said my account was closed due to not being verified he setup me up with new account, expedited debit card, worked just fine till today XX/XX/year> tried to remove money from atm same issue debit card declined removed from app called customer service explained that issue happened again & it was supposed to be fixed she said she cant help me in a very rude manner told me to go to a branch to fix & find out with the issue is so I did, had to make a third new account I hope this one doesnt close its been very upsetting having to go through this & I do thank the people at the branch for trying to fix my issues.

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 2026-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: WV

Complaint narrative:
I was off work as a XXXX XXXX XXXX  during the month of XX/XX/year> for a XXXX XXXX that is the result of my XXXX XXXX XXXX XXXX XXXX and has caused me a XXXX  XXXX XXXX that resulted in my being unable XXXX XXXX for 30 days. We were short on cash and communicated this with Rocket Mortgage we made a payment arrangement for {$1800.00} to be made on XX/XX/year>. We were offered an opportunity to file an application for assistance in this matter which application was validated and was noticed that they were reviewing it and would take until XXXX, XXXX  to make a decision on the exact same day of this letter we received a notice of Cure of Default and a Close Out Letter. 
We have made this payment and it will be honored by our bank as the funds are available. Rocket Mortgage is taking about 5 days to pull the loan payments out of the bank accounts however they apply them to the loan immediately and then wait for several days to even make an attempt to draw them. This is causing delays and they are using these delays in order to file foreclosure attempts. 

We have been in contact with a couple of attorney 's who handle their foreclosures and have stated that they are aware of these issues and are unable to fight them as they are too large to deal with. I am not I will take them on and want some answers and demand that they answer for their delays in pulling these payments with the ACH system it should not take that long. 

Please provide as much help as possible and we agree to any filing of legal actions against them if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Subject : URGENT : Formal Complaint Regarding Missing XXXX XXXX XXXX ( XXXX Days Pending ) XXXX XXXX I am filing a formal complaint against Bank of America XXXX XXXX XXXX regarding a missing XXXX XXXX XXXX in the amount of USD XXXX. Despite the funds being debited from my XXXX XXXX account on XXXX, they have not been credited to my XXXXXXXX XXXX account, nor has the bank provided a valid reason for the delay. They just keep on saying they are checking internally with their back office or pending XXXXXXXX XXXX updates. 

Transaction Details : Missing Amount : XXXX XXXX or USD XXXX Date Initiated : XXXX XX/XX/year> Sending Bank : XXXX XXXX ( Bank of AmericaXXXX XXXX XXXX XXXX Bank : XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please see attached details Account Number ( Ending in ) : XXXX I have reachout out to Bank of AmericaXXXX XXXX customer service and XXXX XXXX XXXX XXXX on thru their hotline. Each time, I was told the matter is " being looked into/pending issuer '' but no timeline or specific status update has been provided. It has now been over XXXX days, which is far beyond the industry standard for XXXX investigations. 

Requesting for your help to investigate and locate these funds immediately and credit to my account, along with a reimbursement for the additional fees and XXXX rate losses incurred due to their processing error. Thanks

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 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: USCB, Inc.
State: GA

Complaint narrative:
USCB America Compliance Department Re : Settlement Demand FDCPA Violations, Improper Collection of Medical Debt, and Statutory Damages To Whom It May Concern, This letter serves as a formal settlement demand regarding multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and improper collection activity related to a medical account that was not legally eligible for collections. 
FDCPA VIOLATIONS UNLAWFUL COMMUNICATION I previously explicitly requested that all communications regarding this alleged debt be made solely via U.S. mail. Despite this lawful request, USCB America has continued to contact me by phone calls, text messages, emails, and voicemails, including automated messages with links to account statements. 
Attached and/or enclosed is documentation proving these violations, including : Text messages sent after my cease-and-desist / limited-communication request Call logs and voicemails Emails sent after my request These actions constitute violations of : 15 U.S.C. 1692c ( c ) Failure to cease or properly limit communications 15 U.S.C. 1692d Harassing and abusive conduct IMPROPER COLLECTION OF MEDICAL DEBT In addition to the FDCPA violations, the underlying account was placed into an approved medical financial assistance / hardship status as of XX/XX/year>. Under this status, the balance was not eligible for collection activity and was to remain on hold unless and until my financial situation changed. 
Despite this, the account was : Improperly placed into collections, and Assigned to USCB America, which then began repeated and unlawful collection efforts Attempting to collect on a medical account that was approved for financial assistance and not collectible further demonstrates unfair, deceptive, and unlawful practices. STATUTORY LIABILITY Pursuant to 15 U.S.C. 1692k ( a ), a debt collector who fails to comply with the FDCPA is liable for statutory damages of up to {$1000.00
} per action, in addition to actual damages, costs, and attorneys fees. USCB Americas conductdocumented by the attached evidencecreates clear statutory liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Control, LLC
State: OR

Complaint narrative:
I am disputing a XXXX XXXX account that was improperly billed and incorrectly sent to collections. 
XXXX charged me more than the agreed-upon amount without authorization or disclosure. I disputed the charges, yet the account was still sent to collections. 
Credit Control , LLC is reporting inaccurate information, including an inflated balance and incorrect personal identifying information ( my name is misspelled ). The balance reported on my credit file does not match the amount being claimed by the collection agency. 
Despite disputing the debt, I have not received proper validation, including a signed agreement, a full billing breakdown, or proof of authority to collect. 
I am requesting correction of the billing errors and deletion of this account from my credit reports due to inaccurate and unverified reporting.

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