vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am filing a complaint regarding Hunter Warfields inaccurate credit reporting of a disputed rental debt. 

Initial contact regarding this alleged debt occurred on XX/XX/XXXX. I disputed the debt in writing on XX/XX/XXXX, identifying specific line items that were factually and legally disputed. 

On XX/XX/XXXX, Hunter Warfield transmitted documentation they characterized as validation. The materials provided consisted of a landlord generated accounting that merely restated the disputed charges and did not substantiate the accuracy or legal validity of the balance. No documentation was provided to demonstrate mitigation of damages, necessity of certain charges, or resolution of the disputes raised. 

Despite the unresolved dispute and the contingent nature of several charges, Hunter Warfield reported the account to XXXX  on XX/XX/XXXX as a major derogatory collection account. The reported balance includes disputed and unsupported charges, including future rent subject to mitigation and other contested move out charges. 

Reporting a fixed collection balance that includes disputed and contingent amounts is inaccurate and misleading. I am requesting correction or deletion of the tradeline and appropriate regulatory review of the collectors reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This has been happening every month for over XXXX  XXXX. The amount of of fees are more than {$200.00} a month and it usually takes my entire social security check. I decided to switch my direct deposit account to another bank that does not charge these fees. Not only do they charge me {$24.00} to cover overdraft, but they charge the same amount for insufficient funds fees as well. I have XXXX government checks that go in monthly for direct deposit including another deposit that I goes in monthly. I signed up for overdraft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA confirmed a {$4900.00} funds transfer into my account was fraudulent. After issuing provisional credit to correct a negative balance created during reversal processing, USAA debited {$4900.00} from another account and is now claiming I am liable solely because the originating bank did not process the return. 

I did not authorize the transaction, did not benefit from the funds, and reported it immediately. Assigning liability due to interbank settlement failure violates Regulation E.

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 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OH

Complaint narrative:
My federal student loan account serviced by EdFinancial was transferred and/or closed. During this servicing transfer, EdFinancial inaccurately reported late payments to the credit reporting agencies. 

I did not receive proper billing statements, notices, or a reasonable opportunity to make payment prior to these late payments being reported. The late payments are the result of a servicer transfer and billing notice failure, not consumer negligence. 

I filed an FTC Identity Theft Report disputing the accuracy of this information and submitted a formal Direct Dispute under FCRA 623. Despite this, the inaccurate late payments remain on my credit report. 

I am requesting that EdFinancial conduct a reasonable investigation and delete all inaccurate late payments associated with this transfer error and update all consumer reporting agencies accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
My prepaid Vanilla card was canceled and funds reassigned without my consent within hours of purchase. I complied with all verification requests and was then told repayment could take up to 30 days, despite proof of ownership. I am requesting immediate release of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing regarding the ongoing mishandling of my accounts at Chase Bank. On XX/XX/year>, I visited the XXXX XXXX XXXX branch in XXXX, XXXX, after weeks of unsuccessful attempts to receive proper assistance. I am extremely frustrated with the lack of support, urgency, and compassion shown throughout this situation. This issue has disrupted my life during the holidays and my birthday, and I have spent weeks trying to resolve something that should have been handled promptly. 
On XX/XX/XXXX, I visited the XXXX XXXX, where the banker assisting me appeared irritated and dismissive. He closed my accounts and informed me the matter would be transferred to Fraud and then Loss Prevention, and that I should call after XXXX days. I followed those instructions and received no help. While I was at the branch, the fraudulent lender contacted me again from a different number attempting to send another {$9800.00}. I showed this to the banker in real time, yet I was told nothing could be done. I have documentation of everything except XXXX accidental phone recording. 
Chase has since informed me that I am responsible for the negative balances and that I can no longer bank with Chase. If that is Chases final decision, I accept it. However, I do not accept Chase withholding funds that legally belong to me and my daughter. I am requesting the immediate return or reissuance of the following deposits : {$190.00} ( daughters paycheck, XX/XX/XXXX ), {$480.00} ( my paycheck, XX/XX/XXXX ), and {$93.00} ( my paycheck, XX/XX/XXXX ). I did not sign any document authorizing Chase to keep these funds or apply them toward any negative balance. These checks must be returned to the employers or mailed to : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
I am also requesting a formal legal document outlining the negative balances I am expected to repay. I will not make any payments until I receive this in writing. I have bills and responsibilities, and I expected Chase to support its customersnot dismiss them or worsen their situation. I have banked with Chase for years and have never experienced such a lack of care.I expect a prompt response. I can be reached at XXXX ( XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This complaint concerns one single collection account in the amount of {$340.00} reported by Caine & Weiner. 
I have now requested validation of this alleged debt for several months through multiple CFPB complaints. In every response, Caine & Weiner claims they will mail verification, yet they have never attached, uploaded, or produced a single document proving this debt is valid. 
I never received any written notice of this debt prior to it being reported, which is a direct violation of FDCPA 1692g ( a ) and carries statutory damages of {$1000.00}. 
Despite this, the company continues reporting and attempting to collect on an unvalidated debt, in violation of : FDCPA 1692g ( b ) Continuing collection without validation FDCPA 1692e Misrepresentation of a debt without proof FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i ( a ) Failure of reasonable reinvestigation Under XXXX XXXX  reporting standards, no account may be reported without verified data integrity, furnisher certification, and supporting documentation. None has been produced. 
If this {$340.00} debt is valid, there is no lawful reason it has not been attached to either CFPB complaint. 
The statutory validation period has expired. The clock is up. 
Caine & Weiner has chosen to continue reporting and collecting without proof. 

Caine & Weiner is now exposed to : {$1000.00} statutory damages for FDCPA violation Additional statutory, actual, and punitive damages under the FCRA Attorney fees and court costs All over a {$340.00} debt they refuse to validate, attach it to the multiple cfpb complaints I've filed_ I haven't received one thing from this company yet, well over 90 days at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I reported fraudulent activity to my bank XXXX on XX/XX/year> about an incident involving a fraudulent Cash App transaction and they provisionally provided me the {$450.00} that was taken fraudulently from my account by someone who was advertising for an apartment. They were using a fake Rental application using the XXXX XXXX  app that I sent money to as a deposit for an apartment. After sending the money, the fraudulent landlord ended all communication with me so I reported it to Cash APP and my bank for fraud. However, my bank later sent me a re-determination in the mail that there was no error and reversed the decision and deducted the money back from my account. 
I contacted Cash App, reopened my dispute about the fraudulent transaction and asked support to re-investigate my case. I sent over the requested documents pertaining to my case via email and they told me they will give me answer within 10 business days. I re-opened my case on XX/XX/XXXX and since then I have been unable to get any response back from Cash App support or any further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/, I visited my local XXXX and purchased two Macys gift cards, each loaded with {$50.00}. When I later attempted to use the gift cards, I was informed that both had a XXXX balance. I returned to XXXX to explain the situation and requested either replacement gift cards or a refund. The XXXX representative told me the issue was out of their control, that gift card loading is handled automatically, and that once the cards were purchased, they can not help me. 

On XX/XX/, I called the customer support number on the back of the Macys gift cards. After explaining the situation, I was told that two replacement gift cards would be sent to me. The Macy 's representative also stated that one of the gift cards was previously loaded with {$200.00} ( not by me, I had only loaded {$50.00} ). The representative asked for my address, email address, and phone number, which I provided, and said that the gift cards would arrive within 35 business days. 

After two weeks with no delivery, I called Macys customer support again. This time, the representative told me there was no record of my previous call, no record of my email address, and no documentation showing that I had contacted them at all. This was extremely strange as I had the call record on my phone. 

The representative then suggested that I return to XXXX. I explained that I had already done so and that XXXX could not help me. The Macys representative then stated that they would file a fraud claim and follow up with me within five business days. 
I repeatedly asked if they can send me confirmation or give me a code of some kind to prove that I had called them that day. The representative said there was nothing they can give me. 

Once again, I have not received any communication regarding this issue. 

I am filing this complaint against XXXX and Macy 's for the mishandling of their gift cards and of the case in general. It is clear that the gift cards I purchased were part of some gift card scam. For these companies to just lead people on and play with my money is completely ridiculous. I should've been refunded, or given two new gift cards in replacement, but neither of these things have happened. 

I have the XXXX receipt to prove my purchase as well as both the gift cards in my possession.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year>, I was denied boarding for an international flight ( Confirmation : XXXX ) booked through the Chase XXXX XXXX using Chase Sapphire reward points. This was caused by a systemic routing failure in Chase 's platform. Details are as under. 

Service Failure : Chase required and collected my XXXX XXXX  data during the booking. Despite having this data, their system sold me an itinerary ( XXXX ) containing an XXXX XXXX XXXX XXXX XXXX XXXX. As an XXXX XXXX  and XXXX XXXX XXXX holder, I am legally barred from flying a XXXX  XXXX XXXX  without a XXXX  I do not possess. Had Chase provided a standard international transit ( XXXX XXXX ), no XXXX  would have been required. 

Harm Caused : By representing a legally impossible route as a valid travel option for my disclosed citizenship, Chase engaged in an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ). This " contractual impossibility '' resulted in me being stranded for 48 hours and incurring {$2800.00} in emergency replacement travel and incidental costs. 

Company Action : I attempted to resolve this with the Chase Executive Office. On XX/XX/year>, they issued a final denial via voicemail, refusing to acknowledge the software 's routing failure. 

Regulatory Escalation : I have formally filed a complaint with the Department of Transportation ( DOT ) under OACP Complaint Number : XXXX regarding the violation of 14 CFR 399.80. I am seeking a full reimbursement of my {$2800.00} out-of-pocket costs and restoration of my reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
A collection account is being reported on my credit report that does not belong to me. I never opened, authorized, or agreed to this account and have no legal responsibility for the debt. The inaccurate reporting of this account is negatively affecting my credit. 

I am requesting that this matter be investigated and that the account be removed from my credit report if it can not be verified as belonging to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
The car was totaled and had GAP insurance the first day of purchase ( {$29000.00} ). When the accident happened, they gave me {$10.00} with the GAP insurance which was paid for. Then they said they repossessed the car when it was involuntary repossession and they put {$6200.00} on my credit claiming that I owed that account ( which I dont owe ). Toyota also put {$14000.00} on my account saying they repossessed the car on my credit. I fought it with you guys and they took off {$3000.00} and still trying to stick with me with another {$3300.00}. Toyota said XX/XX/year>XXXX  I paid {$100.00} which is not true. My credit is being messed with writing charge offs, closing it and then opening it again claiming I made a payment and it is affecting my credit score. I want it off my credit ; it seems like harassment at this point and I dont know what to do about it. The car was sold XX/XX/year> ; I asked for paperwork to break down the sale they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
RECEIVABLE MANAGEMENT is falsely reporting on my credit. I have never had any accounts with them. Per my research RECEIVABLE MANAGEMENT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
My phone was stolen and my account accounts were compromised. I tried to let Robinhood markets know what was going on however, none of the emails have been responded to and the callback shortly service has not given me a call back and its been over three days at times. I have waited on the screen for 4 to 6 hours, I believe that there might be fraudulent activity going on within my account and the company will not have any correspondence with me in total assets of around {$540000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a phone call from ( XXXX ) XXXX, and the caller stated that they were trying to locate me for my " upcoming court date. '' They verified my first and last name, and then gave me a phone number to call, and a reference number to give them when I called. The number they told me to call was XXXX. When I called that number and gave them the reference number, they stated that they were with XXXX XXXX XXXX, ( also known as XXXX XXXX XXXX, per my XXXX search ) and that they were in the process of filing a lawsuit against me in court for an extremely old auto loan for a vehicle that was repossessed back in XXXX or XXXX!!! I asked who the original creditor was, and they said it was Citi Financial, and that the loan was for a XXXX XXXX, which I purchased on XX/XX/XXXX!!! I explained that that loan was charged off of my credit MANY years ago, and that the statue of limitations to take legal action expired well over 10 years ago!!! She then threatened that I will be sued, and said " see you in court '' and then hung up on 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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
Im am going to take further action now I am filing this complaint because us bank is illegally withholding Social Security survivor benefits from my account. These funds are protected under federal law ( 31 CFR Part 212 ), which prohibits banks from freezing or garnishing Social Security deposits. 
Despite providing necessary documentation, the bank refuses to release the funds. I now have late fees and in chance of losing my storage because of non payment, my phone has been shut off and i have extra fees to get in back on, and i am 2 months behind on my rent and owe late fees because of the bank I request that the CFPB intervene to ensure the bank immediately grants access to my federal benefits. 
Desired Resolution : Immediate release of all withheld Social Security survivor benefits and a waiver of any fees incurred due to this hold. 
This is my second attempt of trying to get you to help 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 non-monetary relief