vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding Capital One Travels failure to fully honor a valid price match claim for my hotel booking. * * Booking Details : * * * Hotel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Dates : XXXX XXXX XXXX * Confirmation Number : XXXX XXXX XXXX Issue Summary : * * I paid * * {$3500.00} * XXXX through Capital One XXXX for this reservation. I subsequently identified the exact same roomidentical dates and cancellation termsavailable on XXXX for * * {$2800.00} * *, resulting in a price difference of * * {$680.00} * *. While Capital One issued a * * partial credit of {$320.00} * *, they have failed to honor the remaining * * {$360.00} * *, despite my submission of clear documentation demonstrating that all price match criteria were met. * * Supporting Documentation : * * I have attached a XXXX containing screenshots that clearly show : * Matching room details * Identical cancellation policy * Final checkout total of {$2800.00} These details fully align with my original reservation. * * Resolution Requested : * * I respectfully request that Capital One XXXX be required to reimburse the outstanding * * {$360.00} * * in accordance with their stated price match policy. Thank you for your time and review of this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app closed my account because I logged in from a new device I had {$500.00} in my savings I had my card froze through the app they make it so you can not access the app when they close your account they m ake it impossible to get my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Block, Inc. ( Cash App ) for deceptive support practices and a failure to provide earned financial benefits. Deceptive Support ( Fraud Claim ) : I attempted to resolve a financial discrepancy via Cash Apps in-app support. I was placed with an automated system explicitly presented as a " human advocate. '' This system was unable to process the documentation I provided, provided incorrect information, and lacked the context to resolve my issue. I consider the intentional misrepresentation of an automated bot as a human agent to be a fraudulent and deceptive practice designed to prevent consumers from accessing legitimate support for financial disputes. Benefit Underpayment : Based on my direct deposit status and the PPD coding of my deposits, I am entitled to a XXXX % discount benefit. However, Cash App is currently only applying a XXXX % discount to my account. Despite my attempts to fix this, the company has failed to correct the coding error or reimburse me for the missing XXXX % in savings, resulting in a direct and ongoing financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Issue : Wrongful Business Account Closure / Funds Delayed / Financial Harm Statement : I am the owner of XXXX XXXX, a vocational rehabilitation employment services company operating in XXXX since XXXX. I opened a business account with Regions Bank in XXXX at the XXXX XXXX XXXX in XXXX, XXXX. On XX/XX/XXXX, I visited a branch to reset my online banking access. During this visit, I fully verified my identity by providing my ID, entering my PIN, confirming my Social Security number, verifying my phone number, and confirming account and business details. After a follow-up visit to another branch, my accounts were suddenly frozen. I was instructed to contact XXXX. I obtained my report immediately, which showed no negative information. Despite fully verifying my identity multiple times and having no negative reports, Regions Banks fraud department terminated my banking relationship. The only explanation provided was that the bank has the right to close any account at any time. No specific reason or evidence of fraud was given. I was informed that {$15000.00} of my funds would be mailed and unavailable for up to 12 days, while smaller amounts would be released sooner. At the time of closure, I also had {$1700.00} pending for current living expenses and {$260.00} pending related to my business credit profile. This delay caused immediate financial hardship, including the rejection of my rent payment at my extended stay residence and disruption to my ability to maintain basic living and business obligations. During this process, I was also told that I could not maintain a bank account while staying in an extended stay and that I needed to obtain an apartment. Additionally, inappropriate personal comments were made suggesting that I should continue going to church to find a husband. These statements are unrelated to any legitimate banking requirements and were unprofessional and distressing. My business relies on this account for contract deposits and operational funding. The sudden closure and delay in access to funds has disrupted my ability to operate, meet financial obligations, and continue services for individuals with XXXX that I support through my work. I am requesting : XXXX review of the account closure Expedited release of all remaining funds A written explanation for the fraud determination XXXX into the conduct of branch staff This situation has caused financial harm, business disruption, and emotional distress.

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I went into a Citibank ATM on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I never got any receipt that I made a deposit and no confirmation sent to my email associated with my bank account information. Nothing at all. I called in to ask what the problem was. The guy tells me I have to tell him exactly how much I deposited which was around XXXX. I find this very unprofessional. I will never do business with Citibank again. This is the final straw. Citibank case number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
I am filing this complaint against ALDOUS for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This agency is actively reporting a derogatory collection account on my credit profile ( Account # XXXXXXXX XXXX / Original Creditor : XXXX XXXX ) for an alleged debt of {$190.00}. I have formally mailed a debt validation request to this agency pursuant to 15 U.S.C. 1692g and Regulation F ( 12 CFR 1006.34 ), demanding competent legal documentation, including the original signed contract and a detailed itemization of the balance. To date, they have failed to provide the legally required validation to substantiate their claim. Despite this lack of verification, they continue to report this unverified account to the credit bureaus, damaging my financial reputation. Reporting unverified information after a formal validation request is a direct violation of 15 U.S.C. 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a check in the amount of XXXX for home repairs from my insurance company. The check included my previous mortgage company. I called my current mortgage company to inquire if they could endorse the check. I was told as long as it contained XXXX they could endorse it. The check contained that information. The new mortgage company endorsed the check. I deposited the check in the ATM and received a message my account was going to be debited for an endorsement error. I contacted Chase via the XXXX number and was told several different reasons as to why it was rejected but was not given a definitive reason. I was told the check would be mailed to me and I could go to a teller to cash it. I went to the Chase branch at XXXX XXXX XXXX XXXX in XXXXXXXX XXXX to cash the check. I told them I think the issue is the Mortgage Company name ( no one at Chase nor the letter sent with the check stated what actually was wrong with the endorsement ) and provided them proof that my mortgage was taken over from the company on the check by the new company. I also informed that the ISAOA-ATIMA should allow the new company to endorse the check. I was told they are the Largest Bank and follow different standards and they refused to cash the check. I requested to file an executive complaint. They said they would file a complaint but did not provide a complaint number and refused to provide any proof stating it violated privacy. I don't understand how seeing my own account information violates privacy. This was a horrible customer experience and I have been a Chase customer for almost XXXX years. I would like the manager who was on duty Saturday XX/XX/XXXX to be Coached regarding dishonesty as well as looking up proper company policies before denying service to a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I have successfully disputed a debt owed to smart pay under Jefferson Capital systems at least three times and each time they seem to have it added back to my credit report under different information and now as a telecommunications bill when it was listed as a loan/credit previously. I did not sign up for this XXXX XXXX account I've been with straight talk wireless since XXXX I did not file a police report because I was unaware of this until it showed up on my credit report. I have disputed it and each time it was successful yet it keeps being added back. I never once received any paperwork from XXXX XXXX showing their documents. My credit drops XXXX points each time it's added back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX RE : Formal Dispute Under FCRA 605, 611 & 623 To Whom It May Concern, I am writing to formally dispute inaccurate, unverifiable, and/or incomplete information appearing on my consumer credit report. Under my rights pursuant to the Fair Credit Reporting Act, including 605 ( 15 U.S.C. 1681c ), 611, and 623, I request a full reinvestigation of the accounts listed below. Any item that can not be properly verified with complete and accurate documentation must be deleted immediately. The following accounts are in dispute : 1. FAIR COLLECTIONS & OUT ( Original Creditor : THE XXXX AT XXXX XXXX ) {$24000.00} XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$420.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) {$1000.00} XXXX. XXXX XXXX XXXX XXXX XXXX Charged Off {$380.00} XXXX. XXXX XXXX XXXX XXXX XXXX Charged Off {$110.00} These accounts contain one or more of the following issues : * Inaccurate or inconsistent reporting across bureaus * Failure to provide verifiable proof of debt and ownership * Incomplete account records and lack of original signed agreement * Potential re-aging or improper reporting of dates * Information that does not meet the reporting standards under 605 I am requesting that you : * Conduct a reasonable investigation of each disputed account * Provide documentation verifying the accuracy of these accounts * Delete any account that can not be verified in full compliance with the FCRA * Send me an updated copy of my credit report upon completion Please note that failure to properly investigate and remove unverifiable information may constitute non-compliance with federal law. I prefer all correspondence in writing. Sincerely, XXXX 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 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
They repeatedly call from unknown name and number. I finally answered the call and ask them to call me under a community bank phone number so that I can give them a call back. The lady said well you have time to talk now since you answered my phone call, they called me XXXX timeswithin XXXX hours on Saturday XX/XX/XXXX. This is not the first time they have called from an unknown number where I have answered. I have repeatedly ask them to call me with a number. I can call back on. They told me they are not violating the law. I feel like I am being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: NC

Complaint narrative:
Payment over the last year went up over XXXX now is XXXX. My income has decreased from XXXX to XXXX making that high cost harder to pay especially with kids in school. I was not even XXXX days behind when I started asking for a modification. I finally got the paperwork, after the XXXX day late so when I got it turned in they locked the account no payments could be made. They don't accept anything but the entire amount anyway. So I got told they can't modify my loan, they could only add my current and XXXX month pass due amount over the next XXXX months causing my payment to be over XXXX, XXXX a month. Over XXXX more that what I said I could pay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act, I hereby demand that you cease and desist all contact with me, including but not limited to phone calls, letters, emails, or any other form of communication, regarding the alleged debt. Continuing these communications will result in a formal complaint to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my states Attorney General. I also reserve the right to pursue legal action. Please confirm in writing that you have received this request and will comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Account previously in dispute - investigation complete, reported by data furnisher Account paid in full for less than full balance. Paid in settlement. {$2.00}, XXXX written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2026, I disputed the above-referenced account with PORTFOLIO RECOV ASSOC demanding they provide me with contact and identification verification used at the time of this transaction a signed contract between myself and the company used during the transaction, or any other relevant information to legally support the {$2800.00} debt they claim I owe them. Even though the company has failed to provide me with any of the information requested in the initial dispute, they continue to report negative remarks on my credit profile that is affecting my livelihood. On XX/XX/2026, PORTFOLIO RECOV ASSOC reported a " late payment '' to my credit profile that dropped my score tremendously. This negative activity has significantly affected my personal and professional life. To date, PORTFOLIO RECOV ASSOC is STILL reporting this account on my credit profile. Despite my efforts to resolve this matter directly with PORTFOLIO RECOV ASSOC, the issue has not been resolved. This company has failed to respond adequately and continues to engage in the same predatory conduct. I believe this behavior violates consumer protection laws pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), the furnisher was legally required to conduct a reasonable investigation and report the results within the statutory timeframe. Their failure to respond constitutes a failure to investigate. Because no verification was provided to me within the time allowed by law, the continued reporting of this account is inaccurate, unverifiable, and unlawful. As such, you are required to DELETE this account immediately from my consumer file. Any attempt to continue reporting this account, or to reinsert it without proper certification as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), will be considered willful noncompliance and negligent violation of federal law. Pursuant to 1692e ( 10 ) clearly these XXXX entities are using deceptive means to collect a debt, which is also unlawful. As a result of this issue, I have suffered the following harm ( s ) : Financial loss Damage to credit Emotional distress / inconvenience Denial of credit and job opportunities Homelessness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year>, I disputed the above-referenced account with LVNV Funding demanding they provide me with contact and identification verification used at the time of this transaction a signed contract between myself and the company used during the transaction, or any other relevant information to legally support the {$830.00} debt they claim I owe them. Even though the company has failed to provide me with any of the information requested in the initial dispute, they continue to report negative remarks on my credit profile that is affecting my livelihood. On XX/XX/year>, LVNV Funding reported a " late payment '' to my credit profile that dropped my score tremendously. This negative activity has significantly affected my personal and professional life. To date, LVNV Funding is STILL reporting this account on my credit profile. Despite my efforts to resolve this matter directly with LVNV Funding the issue has not been resolved. This company has failed to respond adequately and continues to engage in the same predatory conduct. I believe this behavior violates consumer protection laws pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), the furnisher was legally required to conduct a reasonable investigation and report the results within the statutory timeframe. Their failure to respond constitutes a failure to investigate. Because no verification was provided to me within the time allowed by law, the continued reporting of this account is inaccurate, unverifiable, and unlawful. As such, you are required to DELETE this account immediately from my consumer file. Any attempt to continue reporting this account, or to reinsert it without proper certification as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), will be considered willful noncompliance and negligent violation of federal law. Pursuant to 1692e ( 10 ) clearly these XXXX entities are using deceptive means to collect a debt, which is also unlawful. As a result of this issue, I have suffered the following harm ( s ) : Financial loss Damage to credit Emotional distress / inconvenience Denial of credit and job opportunities Homelessness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Validation and verification of their legal right to collect. Why is the debt being reported by multiple agencies. Debt owed was already paid to original merchant

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CADENCE BANK
State: MS

Complaint narrative:
Overdraft fees but have been asked to not let the card go over

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
etween XX/XX/XXXX and XX/XX/XXXX, my account was reported as having no payments made. This happened because the account I was using to make payments was a XXXX XXXX account, which was closed. As a result, payments to Capital One stopped being reported. I did make the payments on time, but when the XXXX XXXX account closed, the reporting was interrupted. I request a thorough investigation and the removal of these late payments, as the failure was due to the closure of the external payment account, not due to my actions

Company response to consumer: Closed with explanation