vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is not associated with me in any capacity.

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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
* * Subject : * Debt Collector / Furnisher Violations of FDCPA & FCRA * * Laws Involved : * - * * 15 USC 1692c * * Communication restrictions- * * 15 USC 1692g * * Debt validation requirements- * * 15 USC 1681e ( b ) * * Credit reporting accuracy -- 1. Summary of the Issue * * I am filing this complaint because a debt collector and/or data furnisher is reporting a collection account on my credit report without complying with federal law. They have failed to validate the alleged debt, continued communication in violation of the FDCPA, and furnished inaccurate or unverified information to the credit bureaus in violation of the FCRA. 

-- - # # * * 2. Parties Involved * * * * Debt Collector / Furnisher : * * Name : _CREDIT COLLECTION SERVICES_________________________ * * Consumer Reporting Agencies Affected : * - XXXX XXXX XXXX XXXX XXXX XXXX. Description of Violations * * # # # * * A. Violation of XXXX XXXX XXXX ( Improper Communication ) * The collector contacted me in ways prohibited by 1692c, including : - Contacting me at inconvenient times or locations - Contacting me after I requested, they stop - Contacting me despite knowing I dispute the debt - Contacting third parties ( if applicable ) These actions violate federal communication restrictions.

-- - # # # * * B. Violation of 15 USC 1692g ( Failure to Validate Debt ) * * I requested validation of the alleged debt in writing.

The collector has : - Failed to provide proper validation - Continued collection activity without validating - Continued reporting or verifying the account with credit bureaus This is a direct violation of 1692g ( b ), which requires all collection activity to cease until validation is provided.

-- - # # # * * C. Violation of 15 USC 1681e ( b ) ( Failure to Ensure Accuracy ) * * The furnisher is reporting information that is : - Inaccurate - Unverified - Incomplete - Reported without proper validation - Reported while in dispute Under 1681e ( b ), furnishers and credit bureaus must ensure * * maximum possible accuracy * *.

This standard has not been met.

-- - 4. Harm Suffered * * Because of these violations, I have experienced : - Lowered credit scores- Denial of credit or higher interest rates - Emotional distress - Time and financial burden attempting to correct the issue 5. Desired Resolution * * I request that the CFPB require the collector/furnisher to : 1. * * Provide full validation * * of the alleged debt OR 2. * * Delete the account * * from all consumer reporting agencies if they can not validate it 3. * * Cease all unlawful communication * * 4. * * Correct or remove any inaccurate information * * 5. Provide written confirmation of compliance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
Due to the lack of information that I have from PHEAA. I am only able to provide this screenshot of the letter. They only stated that after I asked about the contract, they told " They did not have a signed contract with me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I vacated the apartment in XXXX during XXXX in good standing and did not owe any balance at move-out. There was no eviction and no court judgment. The unit had habitability issues, including plumbing problems, which were reported at the time. Despite this, the management later reported a collection for an alleged balance that I do not owe. I dispute this debt as inaccurate and believe it was improperly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I entered into a lease-to-own agreement with Acima Credit for merchandise from a partner merchant. Shortly after the lease began, the merchant recovered the merchandise and I no longer have possession of the item. 
I contacted Acima to resolve the issue and requested that billing stop since I do not have the merchandise. Despite this, Acima continued charging weekly payments of approximately {$180.00} and attempted to process a full payoff in error without sufficient funds. 
I attempted to return the merchandise and resolve the account, but was not allowed to do so. I am disputing being billed for merchandise that I do not have and am requesting that Acima stop all billing, correct the account, and confirm that no negative credit reporting will occur while this dispute is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am exercising my Illinois 'Right to Reinstate ' ( Illinois XXXX XXXX Installment Sales Act ). I have paid 37.9 % of the principal ( {$10000.00} paid toward a {$28000.00} loan ), which legally entitles me to reinstate my loan within 21 days of repossession. Bank of America repossessed my vehicle on XX/XX/year>. On XX/XX/year>, a payment of {$490.00} was withdrawn via Bill Pay ( Msg ID : XXXX ), but the bank refuses to acknowledge it. I offered an immediate payment of {$2200.00} ( {$1900.00} ready plus {$300.00} already sent via XXXX XXXX XXXX : XXXX ), but agent XXXX XXXX ( XXXX XXXX ) refused to accept partial payment or allow reinstatement without paying the full {$4100.00} arrears immediately. This vehicle is my primary tool for income. ''

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 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Between XXXX XXXX and XXXX XXXX Ive been contacted 9 times by OneMain financial Ive asked them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
This collection is not mines it keeps coming back verified I dont even leave at this address any more its been almost XXXX years. This is affecting my credit score I called explained to them I did lose my wallet in the store someone could have used my social no I dont know who could have did it. They didnt care and still has this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I am formally escalating an issue regarding my Cash App XXXX status and advertised overdraft coverage. 

My account currently displays an active XXXX status, which states eligibility for up to {$10.00} in free overdraft coverage. Despite this, multiple transactions were declined due to insufficient funds. When I contacted support, I was informed that I am no longer eligible unless I spend {$500.00} per monthhowever, my account already reflects that I meet this spending requirement and still shows XXXX  status as active. 

This creates a material discrepancy between : What the app represents as active benefits? 
What Cash App is actually honoring?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: CA

Complaint narrative:
I am filing a complaint regarding Citibank 's handling of a billing dispute on my Best Buy Citi Credit Card. 

On XX/XX/year>, a laptop charged to my account in the amount of {$600.00} was stolen and never received. I did not take possession of the item at any time. I promptly filed a dispute with Citibank and submitted a police report documenting the theft. 

Despite this, Citibank denied my dispute. The denial did not properly apply the Fair Credit Billing Act protections for goods that were never received, nor did it adequately consider the police report and supporting documentation I provided. 

I am requesting that Citibank : 1. Reopen and properly review this dispute 2. Apply Fair Credit Billing Act protections for merchandise not received 3. Reverse the {$600.00} charge I am seeking the CFPB 's assistance to ensure this matter is reviewed fairly and resolved correctly. 

Thank you!

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 2026-01-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX I received a Setoff Notification letter, my business checking account was debit {$730.00} to pay off business card ending in XXXX. I confirm card ending XXXX is not my businesss card after double check carefully. Then I call the number on the letter to dispute the charge. I was told that there is another name on my business checking account.he owned card ending in XXXX. But I know I never ever add anyone in checking account, and I dont know the person who another name in my checking account. 
So I was told to go to local branch to remove another person out of my checking account with XXXX identities. 
XXXX XXXX I visited local branch to remove another person out my checking account with my XXXX identities.I was told that they couldnt remove another person out without another person permission. But I dont know another person and I didnt authorize to add another name in my checking account. After review my account carefully, they told me they couldnt find the date that another name was added and without another person signature. Eventually they didnt have my authorized signature paper. Local branch banker help me to report my situation to Fraud Department of Bank. 

XXXX XXXX visited local branch to check again after XXXX week.I was told nothing was changed in my checking account, my money {$730.00} still missing!

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 monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
XX/XX/2025 I contacted a seller via XXXX in regards to an apartment for rent. We then proceeded to exchange information so that we can text back-and-forth XX/XX/2025. I was contacted by the seller with the address to the property and asked was I interested in the property for rent one bed one bathroom for XXXX per month. I was sent a application to fill out for a background check in which I provided {$100.00} for I have the receipt in the notes I wrote background check proceeded to communicate with the scammer and we discussed XXXX deposit to secure an apartment for the next month because the move-in date was for XXXX once I transferred the XXXX XXXX all communication stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo closed my business checking account on XX/XX/year> and issued a check for the remaining balance of {$32000.00}. I never received the check. 

I contacted Wells Fargo multiple times and was instructed to wait XXXX business days before visiting a branch if the check did not arrive. On XX/XX/year>, after the XXXX period, I went to a Wells Fargo branch and spent approximately XXXX hours working with XXXX XXXX XXXX, who contacted Loss Prevention and Banker Support on my behalf. These in-branch attempts occurred at the Wells Fargo XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, NY. I was advised that the original check was being returned via XXXX and that I would need to wait until XX/XX/year> for the funds to be reissued. 

When I returned to the branch on XX/XX/year>, I spent an additional XXXX hours and XXXX minutes attempting to resolve the issue. During this visit, I was given conflicting and inconsistent information by Loss Prevention and Banker Support. I was then told that I would be required to purchase a surety bond to receive my own funds or wait XXXX days, despite the fact that the original check was never received and a stop payment had already been processed. 

Wells Fargo confirmed that a stop payment was completed under Loss Prevention case number XXXX and provided a XXXX tracking number ( XXXX ). Additionally, XXXX XXXX XXXX submitted an internal escalation case ( XXXX ). Despite these actions, Wells Fargo has failed to issue a replacement check or cashiers check, and no assigned XXXX XXXX has contacted me. 

I have spent several additional hours on the phone with Wells Fargo before, between, and after these branch visits, with no resolution. Branch staff made repeated attempts to escalate the matter but were met with contradictory guidance and no authority to release my funds. 

As a direct result of XXXX XXXX failure to timely reissue my funds, I have been unable to pay XXXX and XXXX rent, utilities, and other critical business obligations, and I have been forced to cover employee payroll using personal funds. This has caused significant and avoidable financial harm to my business.

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year> around XXXX I went to PNC bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL . I am a long time checking account customer with PNC, so I went through the drive thru to deposit my husbands pension disbursement check into the account. The check was {$31000.00}. After giving the check to the teller, he stayed away for a couple minutes then finally came back and said " I'm sorry we cant deposit this today '', I proceeded to ask him why. He responded and said he couldn't tell me. I stated that I was a long time customer of PNC bank and didn't understand why they couldn't deposit the check. I asked if i needed to come inside to do it and he said no, I continued to ask why couldn't they deposit it and he continued to say he couldn't tell me. He then said that they have had issues with fraudulent activities, and I said I have never had any deposit or fraudulent activities with my account. He asked for my ID, I gave it to him. He stepped away again for about a minute and came back and said I'm sorry we just cant deposit it. I responded and told him I didn't understand this is where I deposit all my checks and he said " Yea, but not for this much '' He apologized again and gave me back the check and my ID. Once I made it home I called PNC Customer service, and the representative said she didn't understand why they couldn't deposit the check. I filed a complaint through PNC. They informed me that I would be hearing from the branch manager. I have not heard anything yet. I was shocked, that he would even accuse me of trying to deposit a fake check, using words like " Fraudulent '' and saying that I haven't deposited a check of that amount before, to me suggest that I was being discriminated against. I did find another bank that gladly deposited my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: NC

Complaint narrative:
Here of NetSpend account all deposits of transactions was submitted but here in XXXX XXXX city of XXXX was privacy act invaded identity theft and bad goods and services areas along discrimination of card services.of NetSpend after they wouldnt let me dispute online account disputes during themselves closing the account of netspend prepaid debit card from XXXX XXXX to XXXX XXXX account closed due to discrimination

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/year> I deposited a regular payroll check into my Truist checking account. The check is from a recurring employer and is not new or unusual. 

Truist placed a hold on the deposit. After XXXX days, I was informed that the funds would not be released for an additional XXXX days, resulting in an extended hold of approximately XXXX days. 

This occurred during a verified family emergency involving a death. I contacted Truist multiple times, explained the hardship, and requested escalation to management. I specifically asked whether a hardship accommodation or provisional credit could be provided. 

I spoke with an individual named XXXX, who represented herself as the XXXX on duty, and was told that no accommodation or provisional credit would be offered. 

Despite the check being a standard payroll deposit and despite the documented hardship, Truist did not provide a clear explanation for the extended hold or any reasonable accommodation.

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 2026-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
b'I received a credit card statement from Kohls / Capital One (Account No. XXXX XXXX XXXX XXXX) dated XXXX for an account that I never opened or authorized. The statement included charges and a bill due, but no verification, signature, or proof that I agreed to this account was provided.\n\nI sent Kohls / Capital One a formal dispute letter requesting:\nProof of the account and my authorization\nProof of my signature on any agreements\nEvidence that they are licensed to operate in my state\n\nI also filed a police report regarding this matter: Case No. XXXX filed on XXXX.\nI additionally filed an FTC report documenting this dispute.\n\nDespite providing these documents and disputing the account, Kohls / Capital One continues to send statements and demand payment without providing proper verification. This constitutes a violation of:\nFDCPA 1692g  Right to debt validation upon dispute\nFCRA 1681s2  Reporting unverified accounts to credit bureaus'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAC Financial Corp
State: OK

Complaint narrative:
I've been getting calls from CAC and on XX/XX/XXXX, at XXXX I answered the cask and stop calling ... then again they called that afternoon at XXXX advised them to stop calling and hung up. 
Today XX/XX/year> at XXXX a lady was on the phone, I told her to stop calling this number she said ok. Then at XXXX they called back but I didn't answer.

Company response to consumer: Closed with explanation