vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 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: Block, Inc.
State: TX

Complaint narrative:
On my card starting back from XXXX or XXXX from somebody had fortunately got my card information and which was linked to my main bank with its card both banks will charge for the fraudulent charges for XXXX some of these transactions are placed on the same day multiple I have fought all of them and have been fighting them since the date I fought with my bank and my bank has been resolved and XXXX has refunded the money to that account now they told me I had to do the same with cash app but yet cash app declines it I have appealed it I've disputed it everything nothing has changed with cash app it keeps starting the process all over again after it's up for the 10 days all I want is for the money to be returned that I have been fighting months for XXXX had told me I had to report the fraudulent charges to cash app in order to receive the cash back from their end but yet cash app has still done nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: F.H. Cann & Associates, Inc.
State: SC

Complaint narrative:
XX/XX/year>, at XXXXXXXX XXXX I received a call via my company and company XXXX app from FH Cann and Associates. I am not permitted to receive calls at the workplace. I have no knowledge of this company and they were trying to get personal information from me. I have requested them to never call my place of employment or company XXXX  application ever again! This could have gotten me fired, was very unprofessional, unethical, and disturbing!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

I looked at my Experian, Equifax, Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have an ongoing issue with JPMorgan Chase Bank involving an unauthorized and uncontrollable recurring weekly transfer from my Chase checking account to a Chase savings account that I opened for my children many years ago. 

This weekly transfer does NOT appear anywhere in my online banking, mobile app, or recurring transfer settings, and I have no ability to view, modify, or cancel it myself. 

I have contacted Chase multiple times by phone and through secure messages. Each time, I am bounced between multiple departments and forced to re-explain the issue from the beginning. Calls frequently get dropped after spending several hours on the phone. 

Chase representatives, including the back-office team contacted via secure message, have acknowledged the issue but have been unable to locate or cancel the legacy recurring transfer. No permanent resolution has been provided, and the transfers continue to occur. 

At this point, the transfer is effectively unauthorized because Chase is unable to provide me with any method to stop it, manage it, or even show where it is configured. 

This has caused repeated financial inconvenience, wasted time, and frustration, despite my repeated good-faith efforts to resolve the issue directly with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am requesting closure of my Navy Federal checking and savings accounts. Navy Federal has placed restrictions on my account that prevent me from logging in online. When I contacted them by phone, they refused to explain the nature of the restriction and stated that I must appear in person at a branch to resolve the issue or close the accounts. 

The nearest branch is over XXXX hours away, which is not reasonable access. Navy Federal has refused to offer any alternative method to close the accounts by phone, mail, or other authenticated remote means. Because my online access is restricted, I am unable to use secure messaging or manage my account electronically.

I am requesting the ability to close my accounts remotely and receive written confirmation. Navy Federals refusal to explain the restriction or provide a reasonable method for account closure has effectively prevented me from accessing or closing my own accounts.

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 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Aidvantage is reporting XXXX student loan accounts under my name that contain materially inaccurate balances and derogatory history. 

The total disbursements amounts is off, yet the accounts report over {$4000.00} in balances. This is not accurate. 

I am formally requesting that Aidvantage provide : - The Master Promissory Note - The complete disbursement ledger - A full payment and interest calculation history - The chain of custody and servicing authority Under FCRA 623, Aidvantage must be able to verify the accuracy and legal authority to report these accounts.

I am requesting written documentation be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: IL

Complaint narrative:
Account # XXXX Im 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 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 2026-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
I opened a new First Horizon Bank account over the phone for a {$700.00} bonus. Terms were {$2000.00} via direct deposit and {$3000.00} in checking. The lady said Make sure you deposit it in 30 days. So i did that with XXXX deposits within the first week from XXXXXXXX XXXX. 
I also received a notice on XX/XX/XXXX that the account met the promotion, and in 90 days after opening, i will receive. Today, they only gave me {$450.00}. When I called, she said that because I transferred the money into the savings account and deposited it, I do not qualify. Its a bait and switch. She never mentioned it had to go straight to Savings. The online advertisement, their message, and the lady who opened the bank had a different take on the bonus.

I want to file charges for bait and switch fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX money orders for {$380.00} each and mailed them the same day to Care Credit synchrony bank On XX/XX/XXXX, I purchased XXXX money orders for {$360.00} and {$400.00} and mailed them the same day to Care Credit synchrony bank I have attached the proof of each money order that was cashed approximately XX/XX/XXXX and XXXX by that company Since then, I have sent this information into them twice and still have a balance on my credit card plus interest These XXXX money orders would have completely paid off that credit card in full But yet on a daily basis, I get a phone call a text or an email harassing me for this money which I have sent in proof of payment for twice and I would like this to be corrected please before it affects my credit

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 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> at XXXX pm ( time on receipt says XXXX ) Atm # XXXX at Truist bank in XXXX XXXX Tn had a malfunction and did not process my deposit of {$640.00}. I filed a claim & it has been XXXX no one has contacted me to inform me about the progress of this claim. Every time I call customer service they continue to say they expedited it but I have no communication through email, call or text that this is in fact being delt with. Due to this unfortunate situation my bills are now behind. I need answers and my money back

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I contacted Caine and Weiner Company about an alleged debt that showed up on my credit report. When I spoke with the representative XXXX he informed me that in order for him to verify the debt I had to pay a {$1.00} fee for him to verify the debt. I asked him why do I have to pay a fee of my alleged debt was in their office? He said that it was a federal requirement and when I asked him what federal requirement he responded with I dont know. I just work here and do I want help or not. I asked him could I speak with a supervisor and he asked me again do I need help or not?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I had a charged off loan through affirm since XXXX and finally paid it off towards the end of XXXX. It has been more than XXXX  days and Affirm still has not informed me of my purchasing power and if I will ever be able to use Affirm again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Even though the account was settled in full, my report continues to display late payment remarks.

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 2026-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Even though the account was settled in full, my report continues to display late payment remarks.

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 2026-01-07 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint regarding an issue I am experiencing with XXXX XXXX. 

I am in the process of changing the title on my vehicle due to the passing of my father, whose name is currently on the title. I have provided all necessary documentation to XXXX XXXX and have been informed that a tracking number should be issued so that I can follow up with my local XXXX on the status of the title change. 

However, XXXX XXXX is currently refusing to provide me with that tracking number, citing a slight delay in my upcoming payment. My payment is due on the XXXX of the month but will be made on the XXXX due to a recent change in my PITI. I believe it is unreasonable and possibly unlawful for them to withhold this important information based solely on this minor payment timing issue. 

I kindly request your assistance in addressing this matter, as I believe I am entitled to the tracking number for the title change regardless of the minor payment delay. I appreciate your time and attention to this issue. 

Sincerely, XXXX 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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, XXXX  XXXX Re : FCRA Dispute Request I am disputing inaccurate and unverifiable information appearing on my Experian credit report. Please investigate and delete any item that can not be fully verified. 
Disputed Accounts : - XXXX XXXX ( Collection ) - XXXX  XXXX ( Charge-Off ) - XXXX XXXX XXXX ( Charge-Off/Repossession ) - XXXXXXXX XXXX XXXX ( Duplicate Reporting ) XXXX XXXXXXXX XXXX XXXX XXXX ( Verification Request ) Please provide written results within XXXX  days.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to formally file a complaint against Capital One regarding the improper retention of my personal funds for an excessive period of time. 

Since the month of XXXX, Capital One has been holding my money, which corresponds to payroll deposits from my job and transfers received through XXXX. These funds are completely legitimate and represent my only source of income to cover basic expenses such as rent, utilities, and food. 

During this time, I have contacted the bank on multiple occasions. However, I consistently receive the same response : that the case is still under investigation and has not yet been closed, without being provided with an estimated resolution date or a clear explanation for the reason behind the hold. This situation has forced me to borrow money in order to meet my monthly financial obligations, causing significant financial and emotional stress. 

I consider it unfair and unacceptable for a financial institution to retain my funds for such an extended period without transparency or resolution, seriously affecting my financial stability. 

I respectfully request the intervention of the CFPB to require Capital One to : XXXX. Immediately release the withheld funds. 
XXXX. Provide a clear, written explanation of what occurred. 
XXXX. Permanently close the case that remains open without resolution. 

I remain available for any additional information you may require to proceed with this complaint. 

Thank you in advance for your attention and support in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  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: Untimely response
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a timely written dispute and request for debt validation regarding an alleged consumer debt being collected on behalf of XXXX XXXX. 

The collector failed to provide proper validation of the alleged debt. Instead, on XX/XX/XXXX, I received a response claiming to provide validation, but the attached documents belonged to an entirely different consumer, including that persons name, address, creditor, and account information. 

This mailing did not contain any documentation validating my alleged debt and instead disclosed the non-public personal financial information of a third party. 

The company has therefore failed to validate the debt as required and has demonstrated inaccurate and unsafe handling of consumer data. 

I am requesting that this matter be investigated and that the company be required to correct the reporting and collection of this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am a victim of identity theft as a result of a data breach in which my personal information was compromised. An unknown individual used my information without my authorization to open fraudulent accounts. 
XXXX of these fraudulent accounts previously resulted in a collection account being reported on my credit file from XXXX via The XXXX apartments. I never resided there, I disputed this account, provided documentation indicating identity theft, and Affidavit of forgery and the debt was investigated and subsequently deleted, confirming that it was not my responsibility. 
Despite this prior resolution, a new collection agency who I have no obligation to, COLUMBIA DEBT RECOVERY, is now attempting to collect the same fraudulent debt again. I did not open this account, did not authorize anyone to do so, and do not owe this debt. The collection agency has either failed to properly review the prior identity theft determination or is attempting to re-collect a debt that has already been resolved as fraudulent. 
This repeated attempt to collect a known fraudulent debt has caused ongoing stress, financial harm, and concern about the accuracy of my credit reporting. I believe this conduct may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I am requesting CFPB assistance to ensure this matter is properly resolved and that no further collection attempts occur for this fraudulent account.

Company response to consumer: Closed with explanation