vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/year> there was a check eDeposited into my account that was placed on hold. After many attempts to figure out the status it was told told that it was deemed fraudulent on XX/XX/year> with no notifications or documentation Apart from my frequent calls. With many attempts to resolve this case both between the issuing bank XXXX XXXX and Navy Federal 's refusal to assist in any way. There was never any contact with the issuing Bank regarding the status or validity of the check just immediately deemed fraudulent on navy federals end and placed on an indefinite hold. Which is not legal ; all calls in attempts to getting the issue resolved have been told that there's is nothing there can be done. I partner with the issuing bank in attempts to reverse the Check for {$19000.00} though navy federal refuses to comply. They state there is nothing they can do and that the {$19000.00} will never be released and will never be reversed ( essentially stating they have stolen the entirety of the {$19000.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding an illegally furnished collection account reported by XXXX  and XXXX  for Caine & Weiner ( Acct # XXXX ). 

1. No Notice of Right to Dispute ( FCRA 623 ( a ) ( 7 ) ) I never received the required written 30-day pre-furnishing notice from Caine & Weiner . Without this notice, the collector was prohibited from reporting the debt to any credit bureau. Reporting the account without first providing notice is a direct violation of federal law. 

2. No Validation Was Provided Before Reporting ( FDCPA 1692g ( b ), 12 CFR 1006.34 ) The collector did not mail validation before furnishing the account or before verifying it with the bureaus. Any validation sent after reporting does not cure the violation. XXXX XXXX XXXX  should not have verified an unvalidated debt. 

3. Improper Handling of My Disputes by the Credit Bureaus When I disputed the account in the month of XX/XX/20XXXX XXXX XXXX XXXX verified the information despite the collector failing to provide legally required documentation. XXXX  also updated the account and added reporting months during the dispute, which is not allowed. 

4.Continuing to Report Known Inaccuracies ( FCRA 623 ( a ) ( 1 ) ) Despite the missing notice, lack of validation, XXXX  and XXXX  continue reporting this account. 

This ilegally reported collection has affected my abilitly to move forward with car purchase needed for work and plans with for relocation from current unfavarable location into a better area. 

I am requesting the CFPB require XXXX XXXX XXXX to perform a lawful reinvestigation, provide documentation of their method of verification, and delete this account because it was furnished illegally and has not been validated according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I am disputing an alleged debt being collected by XXXX XXXX XXXX XXXX XXXX. I requested validation of this debt under FDCPA 1692g, including the original agreement, itemized accounting, and proof of assignment. The company did not provide any validation and continues reporting and attempting to collect.

The reporting is inaccurate and inconsistent across bureaus : XXXX  reports the account closed XXXX  reports the account open XXXX  does not report it I disputed the account with the credit bureaus and it was verified without any documentation or explanation. The collector has not sent the required validation, and I have not received any proof that XXXX XXXX XXXX legally owns or is authorized to collect this debt. 

I am requesting : Full validation of this alleged debt Method of verification from the credit bureaus Removal if no proof can be provided Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOPROVABLE LATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
Booked a hotel then cancelled on the phone. They always charged my card and had to call again and they cancelled again with pdf proof this time and it was in XX/XX/year> there is a XXXX  days waiting period but never received it. Still pending in my card since then no action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: U.S. BANCORP
State: OK

Complaint narrative:
I booked a hotel through U.S. Banks XXXX XXXX and received a written confirmation. On the day of check-in, the hotel had no reservation due to the travel agency failing to issue it. 

U.S. Banks travel agent verbally authorized me to book the hotel directly ( after several hours of back and forth and asking for them to confirm they will reimburse the hotel ) Once they verbally confirmed I booked the hotel directly and then I followed instructions and submitted all documentation with a ticket number to them. 

It has now been over 45 days with no response and no reimbursement. I am seeking reimbursement for the replacement hotel stay that was authorized by the banks agent. 

Timeline : Hotel Check in : XX/XX/XXXX Reimbursement request submitted via email to agency : XX/XX/XXXX ( confirmation received from agency ) Email from me asking for an update : XX/XX/XXXX I called to US bank/travel agency XXXX XX/XX/XXXX - They confirmed they had all the information but were " waiting on their supplier '' to do something and would contact me to give an update. 
( Today ) XX/XX/XXXX - XXXX follow up from agency. Filing this CFBP complaint

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 2026-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Hello, I had a case and you closed it before I received the replacement card and to this day I still have not received a replacement card. Please reopen my case and do not close until it is confirmed that I have my card. My prepaid AMEX gift card that is in my possession has never worked and I personally purchased it. I have been calling the company who handles the gift cards since XXXX and they keep giving me false information. I feel they need to supply me a tracking number if they send actually send a new replacement card and that should be required with as many times as I have been waiting. I have had at least XXXX replacement cards supposedly mailed out and have not received a single XXXX. I am left to belive this is a scam as I keep getting the run around and that there is a card in the mail and I just have to keep waiting. I want a new replacement card and want it sent with either a tracking # or a signature required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Resurgence debt collection services car South Carolina threatening abusive tactics and obtaining email and social security and data information from third party sources illegally and without any notice or written consent to accrue such debt. And XXXX XXXX bank in civil debts not criminal. Please keep my social data and other data and email and phone number and ids safe from them from civil debts I dont have enough to pay yet, and from threatening or criminal tactics. Using my data social security identification forms. Acquiring my data from third party sources without permission and threatening tactics from resurgence debt collection in South Carolina. Please help XXXX down this agency. 

I have debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX other accounts. Im a US citizen with these civil debts. Please help keep and retain my social security, identification, and threats or criminal tactics for civil debts that I dont have enough to repay yet. They total around {$9000.00} in credit cards, thats all. Please help keep me safe, and regulate these agencies. And keep them from threatening my life and selling to brokers and identification thieves in XXXX and Arizona gov, and Arizona attorney general XXXX XXXX XXXX, and XXXX, from other future illegal, aggressive, and criminal tactics. Please help keep me safe from these evil companies and people that perpetuate these crimes in the United States, and elsewhere. Thank you so much, Im truly grateful for your help in this matter, and the federal government and federal trade commission and protecting consumers, through federal consumer protection bureaus and acts. Youve helped me so much before. Thank you for getting this email for this week, and I look forward to getting a reply as you usually do, and your help. Feel free to reach me at the email listed. Thank you and have a great day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I was checking my XXXX XXXX  in I see that I have some unauthorized accounts open thats not on my behalf. I tried to dispute the charges the transunion or equflixe would not dispute the charges. I NEVER authorized a XXXX XXXX  credit card.they stated that it was a i store purchase. Its messing with my credit for sure. I need this off immediately. Thank you so kindly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX- XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2026-01-12 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: DISCOVER BANK
State: TX

Complaint narrative:
I paid XXXX XXXX XXXX {$150.00} by credit card on XX/XX/year> and {$2500.00} on XX/XX/year> after being induced by material misrepresentations about what services would be provided and the likelihood and cost of recovering funds. Before payment, the attorney represented that my claims were collectible, that litigation costs would be limited after a demand letter, and that additional services such as asset tracing by a private investigator would be included in the retainer.

After payment was made, only a basic demand letter was produced, none of the represented additional services were provided, and the representations about collectability and costs were not accurate. These misrepresentations were material to my decision to pay. The attorney retained the funds without providing the services promised.

I attempted to resolve the dispute with Discover card on XX/XX/year>, but they closed by dispute in favor of the law group shortly after with minimal effort to contact me or defend my claims.

These charges represent unearned legal fees obtained through misrepresentation, and my credit card issuer improperly denied my dispute without applying fraud and professional-services protections. I am requesting a compliance-level review and appropriate credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: RevNow LLC
State: TX

Complaint narrative:
This company contact family members and lied. They told them that I had given them my familys information. I did no such thing. In addition when I requested a debt validation letter, all I got was an email with my account number and amount owed. This did not include a break down of fees nor an account ledger which showed payments I had made previously to the original creditor. However, the manager I spoke to said they didnt have that information, and yet she was able to tell me how long I had been making payments and when the last payment was. I requested it in writing. This company lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Southern Management Systems Inc.
State: CA

Complaint narrative:
I received a debt collection call aXXXX XXXX XXXX  local time on XX/XX/year> from XXXX. 
Under the FDCPA, debt collectors may not contact consumers before XXXXXXXX XXXX without prior consent, which I did not give. This call constitutes an illegal contact. I am requesting investigation and confirmation of compliance..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX My Savings account was closed and was told by the bank my funds would be mailed on XXXX and received by XXXX. I never received the check and anytime I followed up I was given inconsistent information by multiple representatives. I was told different dates and constantly being redirected to different departments to help me retrieve my funds. They then told me I would need to wait 120 days just to reissue the check and then repeat this entire process again. They also continuously told me there was no other solution.

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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
i had my retirement company send an ACH to a company, they said they never received it. 
the retirement company is XXXX XXXX XXXX, and the receiving bank was Bank of America i have the ACH TRACE NUMBER 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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: OH

Complaint narrative:
XXXX To Whom It May Concern, I am writing to formally request a reinvestigation and credit score reevaluation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
In XXXX, a collections account from Tek Collect was unlawfully placed on my credit file. This account was inaccurate and resulted in a substantial and unjustified decrease in my credit score. Over the course of several months, I exercised my rights under the FCRA and disputed the validity of this account. Following these disputes, the account was ultimately removed, confirming that the information previously reported was inaccurate. 
Despite the removal of this account, my current credit score does not reflect an appro-priate restoration or adjustment resulting from the deletion of the inaccurate information. As a consumer, I am entitled under 15 U.S.C. 1681e ( b ) to have credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in my credit file. Additionally, 15 U.S.C. 1681i ( a ) requires that credit reporting agencies conduct a reasonable reinvestigation when disputed information is found to be inaccurate or incomplete. 
Because the inaccurate Tek Collect account materially impacted my credit profile, I am formally requesting : XXXX. A full review of my credit file reflecting the removal of the Tek Collect account XXXX. A reevaluation and recalculation of my credit score based solely on accurate and current information XXXX. Written confirmation of the results of this review and any corrections made Failure to ensure that my credit score properly reflects the removal of inaccurate information may constitute continued noncompliance with the FCRA. 
Please complete this review within the time frame required by law and provide written confirmation of your findings. Should you require additional documentation from me, please notify me promptly. 
Thank you for your attention to this matter. I expect your timely response. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXa threatening abusive tactics and obtaining email and social security and data information from third party sources illegally and without any notice or written consent to accrue such debt. And XXXX XXXX bank in civil debts not criminal. Please keep my social data and other data and email and phone number and ids safe from them from civil debts I dont have enough to pay yet, and from threatening or criminal tactics. Using my data social security identification forms. Acquiring my data from third party sources without permission and threatening tactics from XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Please help XXXX down this agency. 

I have debt from XXXX XXXX XXXX XXXX  Avant, XXXX XXXX XXXXXXXX or XXXX other accounts. XXXX a XXXX citizen with these civil debts. Please help keep and retain my social security, identification, and threats or criminal tactics for civil debts that I dont have enough to repay yet. They total around {$9000.00} in credit cards, thats all. Please help keep me safe, and regulate these agencies. And keep them from threatening my life and selling to brokers and identification thieves in XXXX and Arizona gov, and Arizona attorney general XXXX XXXX XXXX, and XXXX, from other future illegal, aggressive, and criminal tactics. Please help keep me safe from these evil companies and people that perpetuate these crimes in the United States, and elsewhere. Thank you so much, Im truly grateful for your help in this matter, and the federal government and federal trade commission and protecting consumers, through federal consumer protection bureaus and acts. Youve helped me so much before. Thank you for getting this email for this week, and I look forward to getting a reply as you usually do, and your help. Feel free to reach me at the email listed. Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have a {$14000.00} advance on my HELOC account that I did not authorize through USBANK. It took place on XX/XX/XXXX and I called and reported it on the XXXX. I spent hours on the phone and wasn't able to get any information. I did receive a denial letter stating that there wasn't enough evidence to approve but with no details. I filed a police report XXXX on XX/XX/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 non-monetary relief
Consumer complaint received 2026-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened an account with XXXX XXXX  XX/XX/year> I made a deposit to the account and it took over 2 weeks to add the funds to my account, nobody was able to clear the check, help the funds appear in my account or help with any fees I had to pay due to the delay of the check. Capital one has an extensive history with delayed deposits and it causing financial harm on the consumers

Company response to consumer: Closed with explanation