vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: AZ

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX, a debt collector acting on behalf of Plaza Services , LLC. They have contacted me about a debt I do not owe. I have never had a contract with them, and they have not provided validation of the debt, nor proof of a signed agreement or chain of assignment. They can not produce a contract bearing my wet ink signature between myself and XXXX XXXX XXXX XXXX because no such contract exists. I have already requested validation directly, and they have not responded with sufficient proof. 

They claim that they have an account ending in XXXX for the amount of {$2500.00} Again, I do not have a co tract with XXXXXXXX XXXX XXXXXXXX nor do I have a contract with aplaza Services, LLC. In fact, I have never heard of either of these companies until I received the email from XXXX XXXX XXXX XXXX about this alleged debt, to which I promptly responded. 

I request that the CFPB investigate this matter, ensure that this debt is not reported to any credit bureaus, and mandate that XXXXXXXX XXXX  permanently cease all collection activities. I also request written confirmation that this debt is resolved, removed, and that my rights under the Fair Debt Collection Practices Act are no longer violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: Aqua Finance, Inc.
State: NY

Complaint narrative:
I bought an RV in XXXX of last year and joined the XXXX in XXXX of the same year. I was in training until XX/XX/year> and requested that my payments be frozen until I began XXXX XXXX, but the finance company refused. By not covering the payments, they destroyed my credit and my co-signer 's credit during these months, disregarding the fact that I am protected by SCRA, FCRA, FACT, ACT, and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
I am filing this complaint regarding a collection agency that is attempting to collect on an alleged debt that has been sold to them. The company has sent text communications to my phone and is attempting to collect, yet I have not been provided with proper written validation of this debt. 

Because this account was purchased from another company, I am formally requesting full debt validation and proof of ownership. 

To date, I have not received : A copy of the original signed agreement or contract with the original creditor. 
Documentation showing the full chain of title from the original creditor to the current collector. 
A complete payment history showing how the amount being claimed was calculated. 
Proof that the company is legally authorized to collect this debt in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened business checking account with US Bank in XX/XX/XXXX under a promotion bonus of {$1500.00} with the code XXXX. 

The qualifiying criteria was to deposit $ XXXX into the business checking account and make XXXX debit card transactions. 

I never received the debit card from US Bank for the given business checking account. 
I have also not received the bonus terms and conditions to read the fine print for the qualifying criteria to receive the bonus. 

When I called customer service on XX/XX/XXXX, I notified the issue and also asked about my promotion bonus. She promised to provide an exception as I never received the debit card. I requested for the replacement of the debit card as it could have been lost on the way. It has been a month now and I still have not received the debit card from US Bank.

US Bank violating consumer rights by denying the bonus and not providing debit card or fine print of terms and conditions to meet the qualifying criteria. 

Business checking account name - XXXX XXXX  Business checking account number - XXXX

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 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
The vehicle engine was bad and they sold it to me anyways a week later the engine blew and car caught on fire

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX of XXXX  i requested experian to remove 2 credit cards off of my account which they did but ever since the removal of those 2 credit cards my credit score has not been updated and is still reflecting poorly on my Experian account. the issue is my credit score with experian is XXXX points lower then it is with XXXX  and i believe it is because experian is not updating my credit score fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
RE : Formal Complaint Delayed GAP Claim Payment Affecting Credit and Financing I am filing a formal complaint regarding an unresolved GAP insurance claim connected to my totaled vehicle. 

Vehicle : Mazda XXXX Balance {$11000.00} Date of Accident : XX/XX/year> Primary insurance ( XXXX XXXX paid their portion shortly after the loss. Mazda GAP insurance is responsible for the remaining balance. My GAP claim has been pending for several months with no resolution despite repeated calls and escalation requests. 

I made several phone calls, reached out to Mazda customer care, emailed Mazda XXXX either Im redirected to call the same Customer care number that Ive call multiple times or no response. however, the remaining balance continues to report on my credit as an open auto loan. This has negatively affected my credit profile and my ability to qualify for favorable financing. 

Because this unresolved loan remained on my credit, I was forced to accept a higher interest rate and higher monthly payment on my replacement vehicle, resulting in additional financial burden. 

I am requesting assistance to obtain : Confirmation of GAP payment and processing Closure of the remaining loan balance Correction of inaccurate credit reporting Review of financial harm caused by this delay This prolonged delay and lack of resolution have caused significant financial and credit impact. I respectfully request regulatory assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
In XX/XX/XXXX, an American Express agent initiated a live chat with a former authorized user who had been removed from my accounts weeks prior and had XXXX legal obligation to pay. The agent disclosed specific account balances and payment status to this third party and made three separate attempts to collect payment from them. I have screenshots from americanexpress.com documenting this entire conversation. This is an unauthorized third-party disclosure in violation of FDCPA Section 1692c ( b ). 
In XX/XX/XXXX, American Express sent a Right to Cure letter for one account on XX/XX/XXXX, while a third-party collector sent a collection demand for the same account on XX/XX/XXXX. American Express then sent letters in XX/XX/XXXX stating the account " may be sent to collections '' when it had already been with the collector since XX/XX/XXXX. This created unlawful consumer confusion about who held collection authority. 
In XX/XX/XXXX, I received a collection letter addressed to a completely different person, for an account number I have never held, delivered to my address where I have lived for six years. This person has no connection to my address. This reflects serious database accuracy failures and constitutes a false representation under FDCPA Section 1692e. 
I sent three certified mail correspondences in XX/XX/XXXX, XX/XX/XXXX ( delivered XX/XX/XXXX ), and XX/XX/XXXX ( delivered approximately XX/XX/XXXX ). Responses to my XXXX validation demand were inadequate one referenced a completely wrong account and person, one stated " still researching '' 24 days past the legal deadline, and one provided only billing statements which are insufficient validation under FDCPA Section 1692g. Collection activity continued for over 97 days without proper validation.

Credit reporting shows inconsistencies across bureaus for the same accounts, a dispute notation was removed while the dispute remained active, and a credit report update occurred on the same day as a collector 's settlement deadline, suggesting punitive use of credit reporting as collection leverage in violation of FCRA accuracy requirements. 
I have sent three certified mail letters over eight months attempting good faith resolution. American Express has not provided adequate response to any of them. I am requesting CFPB investigation and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: NC

Complaint narrative:
b'Citi AADVANTAGE Platinum select card ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nBooked "XXXX XXXX XXXX" cabin arriving XXXX XXXX XXXX departing XXXX XXXX XXXX    Requested a cabin within a few miles of XXXX XXXX XXXX and that roads to the cabin not be in high elevation area and easy to reach.\nWe arrived in 4 wheel drive vehicles.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nArrived XXXX XXXX XXXX   to the cabin.  The roads to drive to the cabin had no snow or ice and were driveable. Once reached the entrance to the cabin found the parking spaces completely covered in snow and ice.  The steps into the cabin were each covered with about 5" of snow and ice\nThe cabin was "inaccessible, unsafe, and we were unable to occupy".  We called immediately to XXXX XXXX XXXX XXXX   We informed of the situation.  We were told they would try to get sand or dry ice delivered to covering the parking spaces so we could at least park in the parking area.  NOTHING WAS DONE...NO SAND OR DRY ICE delivered.     A 22 year old in our party found a shovel.  He shoveled the parking space for at least one vehicle but found a sheet of ice which was unsafe.   WE HAD 4 WHEEL DRIVE VEHICLES.  We could not access the cabin...totally unsafe...totally inaccessible.  We asked for a refund as we could not occupy the cabin and with the impending darkness informed the realty company that we could not access or occupy the cabin due to safety.  \nWe drove about 5 to 10 minutes to the nearest hotel and booked 3 rooms for the two nights.  A large unexpected expense.\n\nFollowing our departure from the area of the cabin, we called twice and also sent a letter asking for a refund.  No response other than to say we were required to have 4 wheel drive vehicles.  We had 4 wheel drive vehicles.!!!!\n\nWe then called the credit card company and disputed the charge due to our inability to access the cabin due to safety and inability to occupy.  Our dispute was  reviewed and denied without notifying us of a reason for the denial..\n\nWe are asking CFPB to review the matter and to escalate the matter with Citi AAdvantage and ask Citi to Credit our card in the total amount of XXXX

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 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I am unable to access my Robinhood account and have been trying to resolve this issue with their support team for over two weeks without success. 

The app loads but then displays the message Something went wrong, preventing me from accessing my funds. I have already reinstalled the app, tried different networks, and followed all troubleshooting steps provided by Robinhood support. 

Despite multiple attempts to get help, the issue remains unresolved and I am locked out of my account and funds. 

I am requesting immediate investigation and restoration of full account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
Chime app allowed me to send payment to a fraudulent person. I immediately reported it after payment went through and they refused to reverse the payment and only said they would flag the account user as fraud. They have no fraud protection and in todays age of verifying accounts created as legitimate is not there. There is XXXX security.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding an inaccurate and inflated move-out charge related to carpet replacement. 

After vacating the apartment in XX/XX/XXXX, I received an initial final account statement reflecting a balance of approximately {$810.00}. Within XXXX hours, a revised statement was issued increasing the balance to {$3400.00}, which included a {$2400.00} carpet replacement charge that was not included in the original statement. When the debt was reported to the credit bureaus, the reported amount for the debt is listed for {$3800.00}. 

I disputed this charge in writing before the account was sent to collections. I requested documentation supporting the carpet replacement cost, including the installation date, remaining useful life, depreciation calculation, and proof of how the amount was determined. No documentation showing depreciation or remaining value has been provided. 

I resided in the unit from XX/XX/XXXX through XX/XX/XXXX ( approximately XXXX years and XXXX months ). The property has stated that carpet is not replaced after every move-out and typically lasts several years. However, I have not been provided documentation showing the age of the carpet or how the {$2400.00} charge reflects depreciated value rather than full replacement. 

Despite my written dispute and lack of supporting documentation, the account was sent to collections and reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I notified Best Buy Citi that an account had been opened in my name without my knowledge, authorization, or consent. I did not apply for this account, did not authorize anyone to open it on my behalf, and have never used the account. 

I informed Best Buy Citi that this matter involved identity theft and the non-consensual use of my personal information. I subsequently provided supporting documentation, including a Police Report and FTC Identity Theft Report, which were faxed and emailed to the bank. 

Best Buy Citi closed my claim but verbally advised that the investigation could be reopened. I requested copies of the documents relied upon to open the account, including the original application/enrollment records, identity verification records , authorization/signature documentation, method of application, and any IP or device-related identifiers associated with the account opening. 

Despite multiple requests, Best Buy Citi did not provide the requested documentation. 

On XX/XX/year>, I formally submitted a written reinvestigation request, along with a notarized identity theft statement, Police Report, and FTC Identity Theft Report. XXXX XXXX XXXXXXXX has indicated whether the matter is still under review nor has it not produced the requested supporting records.

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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App regarding a rejected IRS tax refund and a closed account that still has an active Cash App Borrow balance. 

My Cash App account was closed by Cash App. After the closure, my IRS tax refund was sent via direct deposit to my Cash App account and was rejected. 

Cash App support has given me contradictory and unclear explanations. A support representative stated that my tax refund was not rejected due to my account being closed, but they have not provided any explanation for why it was rejected, what bank rejected it, or the ACH rejection reason code.

They are now attempting to reopen my account for the purpose of collecting repayment of the Cash App Borrow balance, but they have not provided transparency regarding the rejected tax refund. 

My concerns are : 1. Cash App has not explained the true reason my IRS refund was rejected.

2. They have not provided the ACH rejection code or documentation.

3. They closed my account but still expect repayment while withholding clear information about the rejected deposit.

4. They are prioritizing debt collection while failing to explain what happened to my federal tax refund.

I am requesting the following : The ACH rejection reason code The name of the bank that rejected the deposit The exact date the refund was returned to the IRS Written explanation of why the refund was rejected Clarification of my obligations regarding Cash App Borrow given the account closure This situation involves a federal tax refund and I need full transparency and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
To Whom It May Concern : LVNV FUNDING XXXX XXXX XXXX, XXXX SC XXXX Account number:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for approx {$750.00} I am responding to your communication regarding the above-referenced account. This is not a refusal to pay, but a request for full validation pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following : A copy of the original signed contract bearing my signature. 
A complete accounting of the alleged debt, including all fees, interest, and charges. 
The name and address of the original creditor. 
Proof of your authority to collect in my state. 
A copy of the assignment, transfer, or purchase agreement showing you have legal ownership and standing to collect this debt ( including the assigned contract ). 
Documentation showing you have a permissible purpose under 15 U.S.C. 1681b to report this account to any credit reporting agency.

If you can not provide the requested documentation, you must cease collection activity and remove any reporting to the credit bureaus immediately. 



During this validation period, you are required to cease collection efforts. 



I request all future communication be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of unauthorized debit card transactions under Regulation E. 

In XX/XX/year>, I lost my mobile phone. Shortly after, I discovered multiple unauthorized transactions on my Capital One debit card processed through XXXX XXXX in the amount of {$1600.00}. I did not authorize these transactions, and I did not give anyone access to my phone, XXXX XXXX account, or debit card. 

I promptly reported the fraud to Capital One. They issued provisional credit while investigating. I also filed a police report documenting the lost phone and unauthorized activity and provided this report to Capital One. 

After initial review, Capital One made a split determination : one transaction of {$100.00} was approved as fraudulent, but the remaining transactions from the same merchant and time period were denied. 

Capital One later reversed the provisional credit, leaving my account negative and causing overdraft fees. I requested that these fees be waived due to the ongoing fraud dispute, but the bank refused, stating they could not reverse the negative balance while the dispute was open. 

Despite additional evidence including the police report and the fact that XXXX XXXX approved one of the disputed chargebacks Capital One has not resolved the remaining transactions or restored my account.

Under Regulation E, Capital One must conduct a fair and consistent investigation for each unauthorized transaction and can not cause undue financial harm while the investigation is pending. 

The split determination, reversal of provisional credit, and refusal to waive negative balance/fees are inconsistent with Regulation E requirements and have caused financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I was enrolled in XXXXXXXX XXXX XXXX  for about a year making the monthly pay XXXX and then when I finally payed off the loan which was over XXXX grand. The school then closes two weeks later and completely break all communication with no way of reaching out to them. They broke their contract promising us all these resources. The loan company states we wont be getting our money back until the school pays them. But the school vanished with no communication at all, they deleted their email so you get an error message in return.

Company response to consumer: Closed with explanation