vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Aqua Finance and XXXX XXXX XXXXXXXX XXXX XXXXXXXX regarding a financed water filtration system that has been defective since installation and never repaired. The system was installed at my residence in XXXX. Within one week of installation ( XX/XX/XXXX ), I began experiencing serious issues with the system and contacted the sales agent, XXXX XXXX. He was unable to assist and provided contact information for the office and his XXXX, XXXX. Despite multiple calls and text messages, including a documented message sent in XX/XX/XXXX outlining that the system contained dirty water affecting the household supply and causing skin irritation and rashes to my family, I received no response or assistance. On XX/XX/XXXX, I again contacted the sales agent, reporting that the system remained defective and was causing excessive water usage, increasing my water bill from approximately {$80.00} to {$400.00} per month due to continuous malfunction. No corrective action was taken. After repeated unsuccessful attempts to obtain repair, I requested removal of the defective system. I was told I would be charged approximately {$300.00} for removal, despite the system being non-functional and never properly serviced. I refused to pay for removal of defective equipment installed by the company. On XX/XX/XXXX, I was directed to contact Aqua Finance regarding the matter. Since that time, the system has remained non-functional for over three years and has never been repaired. Despite this, I have paid over {$4000.00} toward financing for equipment that has provided no usable benefit. This situation constitutes a clear failure of consideration. Additionally, under the FTC Holder Rule, the lender is responsible for the sellers misconduct, including failure to provide functional goods and services. I am requesting the following resolution : Immediate cancellation of the remaining balance Closure of the account Written confirmation that no negative information will be reported to credit bureaus If this matter is not resolved, I am prepared to pursue further legal remedies. This complaint is supported by documented communication attempts and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute a balance of {$810.00} associated with a Citibank account in my name. I have determined that my personal information was compromised and used without my authorization, and as a result, this account and the associated balance are the result of identity theft. My information was exposed and used in a manner that I did not authorize, and I did not open, approve, or benefit from this account or any transactions related to it. CHEX SYSTEMS HAS BOUGHT, SOLD, TRADED MY INFORMATION WITHOUT MY CONSENT. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws, I am requesting the following : Requested Actions : 1. Immediate investigation of this fraudulent account 2. Removal of the {$810.00} balance and any related negative reporting 3. Written confirmation that I am not responsible for this account or debt 4. A complete copy of any records, applications, or transactions associated with this account Supporting Documentation : Identity Theft Report ( IdentityTheft.gov ) Copy of my government-issued ID Proof of address Please be advised that I did not authorize this account, and I am not liable for any charges associated with it. Failure to resolve this matter will result in formal complaints filed with the Consumer Financial Protection Bureau and other appropriate agencies. I expect this matter to be handled promptly and request written confirmation once the account and balance have been removed.

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 2026-04-02 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: IL

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Schwab suspended all of my accounts both brokerage and checking without clear explanation. When I visited the branch, staff questioned my address situation, suggesting it may be related to an address mismatch, but no official reason was ever provided. The brokerage account holds {$120000.00} in a money market fund, and the checking account holds approximately {$6000.00}, totaling over {$120000.00} in frozen funds. I am a former XXXX XXXX XXXX and XXXX XXXX. I opened my Schwab accounts recently, attracted by the flexibility of fee-free ATM access, account benefits, and the opportunity to invest in money market funds. I gradually transferred my funds from XXXX XXXX into Schwab in three segments {$30000.00}, {$60000.00}, and {$30000.00} and subsequently moved additional funds in the thousands into the checking account for daily use. I visited a branch in person with my government-issued ID and US passport and supporting documents as requested. The branch questioned my address situation : my ID reflects my previous long-term rental residence, I am currently renting a room on a short-term basis, and I use a former colleague 's address for mail during this transitory period. This address situation is temporary : I vacated my previous residence at the end of my lease in XX/XX/year>, moved into a short-term room rental while awaiting relocation to XXXX, and use a stable colleague 's address for important mail as my current room rental does not receive correspondence. I provided a two-year resident ledger and a signed room rental agreement to explain and document all three addresses. The branch said they would submit everything for review but gave no timeline. My accounts remain suspended. I have XXXX payroll, a federal tax refund, and a state tax refund all directed to these accounts, and I can not access any of these incoming funds. This situation is causing me significant stress and financial anxiety, as I have over {$120000.00} in funds that I can not access and incoming deposits I can not receive. I am relocating temporarily to XXXX in XX/XX/year> for family reasons. If these funds are rejected and returned as checks while I am overseas, it will cause severe financial hardship and inconvenience. I am requesting immediate resolution of all account holds before my departure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I opened a credit card that advertised a promotional offer : 20 % off purchases at the store plus additional reward points, valid for the first 14 days after account opening. Immediately after opening the account, the issuer flagged even small purchases as fraud, despite the transactions being made in my home city and shipped to my home address. I contacted customer service and was told the account would remain restricted unless I mail physical copies of my drivers license and Social Security card. This requirement is excessive and intrusive, especially given that the transactions showed no reasonable indicators of fraud. More importantly, requiring verification by mail guarantees that the 14day promotional period will expire, making it impossible for me to use the advertised rewards. This appears to be a bait-and-switch practiceinducing consumers to open a credit card with time-limited rewards, then immediately restricting the account in a way that prevents reasonable access to those rewards. Requested Resolution

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 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/year> I opened up a checking & savings account through Huntington Bank, then i deposited a check for the amount of {$2000.00}. they told me through email that my check would be deposited into my account after a 7-Day hold and thanks for opening my accounts. the day before my check was supposed to clear I went to login online and I couldn't so I called them. they told me that Huntington close down my accounts and that they have a right to do that. I asked about my money they said well whenever they'll mail a check. so the next day was a Saturday, I went threw the banks drive-thru & i talked to a male & they told me to get a hold of fraud place. they don't know why the main office closed my accounts, they then started to treat me diff like they thought i was commiting fraud with my check. Monday I went in & I wanted my money and I wanted the reason why they closed my account they wouldn't tell me. They called down to the main corporate fraud department in Ohio. they told them that they were not allowed to give me my funds and that when they're done with their investigation it could be 60 days or more they would send me a check as long as everything was fine. I'll get a paper in the mail explaining what's going on. here It has been a week now al & still nothing un mail but a paper thanking me for opening my accounts and my debit card i cant use. I haven't received no money I am a single parent and I don't deserve this. I opened these accounts because i recive at min 1 check a week. This is my way of paying bills n taking care of my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, my partner and I purchased an automotive part ( motor ) for a XXXX XXXX XXXX XXXX in the amount of {$1900.00} from XXXX XXXX XXXX XXXX. My partner attempted to make the purchase with his Cash App card. The transaction could not be completed so he transferred {$1900.00} to my Cash App account after reviewing the Pre-Invoice # XXXX. The merchant, XXXX XXXX, texted a link to make the payment, but there were technical difficulties so he offered to help with the payment. I authorized XXXX XXXX to charge {$1900.00}. XXXX XXXX charged 5 separate transactions ; XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX XXXX ( {$800.00} ), XXXX XXXX XXXX ( {$23.00} )XXXX XXXX XXXX ( {$340.00} ), XXXX XXXX ( {$8.00} ) and XXXX XXXX ( {$11.00} ). I immediately questioned the separate transactions and the overage charge of $ XXXX.The merchant replied there was mistake and he would refund the overage charge. He began to attempt to charge additional unauthorized transactions which declined due to insufficient funds. I ended the call and contacted Cash App support to report the issue. I was advised to wait until the ETA delivery before officially starting a dispute. I locked my Cash App account and waited until XX/XX/XXXX. On XX/XX/XXXX, I tracked the XXXX tracking number that was previously used and delivered on XX/XX/XXXX. I reported this information to Cash App Support and filed a police report with XXXX XXXX Police Department for XXXX Identity Theft. I was sent a confirmation that the police report was processed and the report number is XXXX. Cash App support started the dispute process and I was provided Claim # XXXX. On XX/XX/XXXX I was refunded {$8.00} for XXXX XXXX transaction and on XX/XX/XXXX I was refunded a partial payment of {$150.00}. On XX/XX/XXXX dispute for {$11.00} and {$800.00} were denied. The remaining disputes are pending. As of XX/XX/XXXX, I have not received the product purchased and I am requesting a full refund in the amount of {$1800.00}. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX website : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I am the rightful payee of a {$25000.00} settlement check that was forged and unlawfully deposited into a Wells Fargo business account. The check was issued as a result of a legal settlement, but my former attorney forged my signature and deposited the full amount into their own business account at Wells Fargo rather than a client trust account. I have contacted Wells Fargos fraud department multiple times to report this unauthorized deposit and forgery. Despite providing the details of the misappropriated funds, I have received no response or assistance. Wells Fargo allowed a check with a forged endorsement to be deposited into an account where the name did not match the payee, failing their due diligence and " know your customer '' ( XXXX ) requirements.

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 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
The Hidden Debt Trap : How Chimes Advance Features Can Create a Financial Cycle Not a Loan, But Feels Like One : Inside the Chime Paycheck Advance Cycle Living One Paycheck Behind : The Reality of Chimes XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I tried sending in the payment for XXXX before XXXX however the payment had trouble processing. I waited till I had confirmation and the payment processed XX/XX/XXXX @ XXXX XXXX I dont want it to report to my credit saying I didnt pay on time I did try to send it before midnight the processing took a little longer than expected. I have payment confirmation that the payment processed and the time also please can yall help me out could yall wave it to be on time? Or report it before midnight? I dont want my credit to take a set 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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a formal complaint regarding the closure of my bank account, which I believe was done unfairly and without proper justification. My account was closed without a clear explanation, and I have not engaged in any activity that would reasonably warrant such action. This lack of transparency is unacceptable and raises serious concerns about the banks practices and treatment of customers. If there were any concerns regarding my account, I was not given a meaningful opportunity to address or resolve them before my account was terminated. Denying me access to basic banking services without explanation or due process is unreasonable. If there is an outstanding balance associated with the account, I am willing to resolve it promptly. However, I expect the bank to act in good faith by : * Providing a detailed and specific explanation for the account closure * Reviewing my account fairly and correcting any errors * Allowing me the opportunity to reopen my account or establish a new one upon resolution If this matter is not addressed appropriately, I am prepared to escalate this complaint further with regulatory agencies. I expect a timely response and a fair resolution. 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 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Unlawful practices on my credit account. deceptive practices regarding 360 Savings accounts as per current lawsuit filed

Company response to consumer: Closed with explanation