vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Please cross-reference this to Complaint ID XXXX, which was closed prematurely, and Complaint ID XXXX. I need for my bank, USAA, to demand that its third-party bill payment processor, XXXX, perform a complete and thorough investigation into the status of my missing mortgage payment. It is not enough to simply state that the payment was received by the mortgage company, XXXX. In its response to Complaint ID XXXX, XXXX indicates that it was XXXX that which requested return of the funds. However, when I disputed this matter with USAA, who turned it over to XXXX to " investigate '' I was informed that when XXXX contacted XXXX and talked to XXXX, he informed XXXX he could not speak to them regarding my account since they were a third-party. At no point in time did anyone ever contact me to seek authorization to help resolve this matter. Instead, XXXX simply closed the dispute I filed with USAA asserting that because they had documentation demonstrating the payment had been received by XXXX, they had essentially met their obligations for payment and washed their hands of the matter. No one at USA A has been able to resolve this matter and can not put me in touch with anyone at XXXX either.

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 2026-03-10 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/2026, I was charged {$200.00} by XXXX for their XXXX XXXX XXXX subscription. The product was not as advertised they market a XXXX XXXX token context window but the actual limit is XXXX tokens, confirmed by their own support documentation. The product was also unusable due to persistent errors. I contacted XXXX the same day and multiple times after. They never responded with a human representative. I then attempted to file a chargeback dispute with my card issuer ( Bilt XXXX XXXX, serviced by XXXX XXXX, issued by XXXX XXXX. ). The online dispute process would not allow me to complete the filing. I called the number on the back of my card, ( XXXX ) XXXX, and ( XXXX ) XXXX for XXXX XXXX. no one answered at any number. I have been completely unable to reach a human representative to exercise my right to dispute this charge. Additionally, I requested a phone number update on my account for security purposes and received no response. I was also charged fees after a transaction was refused, which was not caused by me. I am unable to dispute a charge, unable to update my security information, and unable to reach anyone at my card issuer by phone or online. I am being denied basic account services and my legal right to dispute under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Subject : Reporting of Unverified Debt and Failure to Provide Validation To Whom It May Concern, I am filing this complaint regarding several collection accounts that are currently being reported on my credit report without proper validation. The accounts are as follows : XXXX XXXX XXXX Collection Account Credence Resource Management Collection Account XXXX XXXX XXXX XXXX Collection Account I previously disputed these accounts and requested validation of the alleged debts. Under the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 611 ), a debt collector must provide proper documentation proving that the debt is valid and that they have the legal right to collect and report it. To date, I have not been provided with : A copy of the original signed agreement or contract A complete payment history showing how the balance was calculated Documentation proving the collection agency has been assigned the debt or has the legal authority to collect it Despite the lack of validation, these accounts continue to be reported to the credit reporting agencies. Reporting unverified debt is a violation of the Fair Credit Reporting Act. Because the collectors have failed to properly validate these debts, I am requesting that the following accounts be immediately removed from my credit report : Credence Resource Management If these accounts can not be properly verified with supporting documentation, they should not be reported to the credit bureaus. I am requesting that the companies involved conduct a proper investigation and provide the requested documentation or delete the tradelines from all credit reporting agencies. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was the victim of unauthorized XXXX transfers due to an account takeover on my Wells Fargo account ending in XXXX. I reported the fraud and did not authorize or benefit from these transactions. However, my account was later closed and reported to XXXX XXXX XXXX as Closed For Cause. I disputed the record with XXXX XXXX XXXX, but they informed me the information remains because Wells Fargo confirmed the reporting. Because I was the victim of fraud and not responsible for the activity, I am requesting Wells Fargo to review and correct the information reported to XXXX XXXX XXXX so that it accurately reflects that I was not responsible for the fraudulent transactions. This inaccurate reporting is preventing me from opening basic banking account

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 2026-03-10 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing this complaint because Barclays improperly closed my billing dispute involving a charge for goods that were never delivered or accepted, in violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ). This dispute concerns a charge from XXXX XXXX XXXX XXXX, XXXX in the amount of {$4300.00} for nonconforming goods that I rejected at the time of attempted delivery. Despite clear documentation that the goods were not delivered or accepted, Barclays concluded that there was nothing further they can do. This response is incorrect under federal law. On XX/XX/year>, I placed an order with XXXX for mattresses and related items. On XX/XX/year>, I canceled part of the order and received a partial credit. On XX/XX/year>, the delivery contractor arrived with goods that were the wrong size and did not conform to the contract. I rejected the delivery at the door and did not accept possession of any of the nonconforming items. XXXX did not provide replacement goods and has refused to issue a refund for the remaining balance of {$4300.00}. Because the goods were rejected and never accepted, they were never delivered under federal and state law. I timely notified Barclays of this billing error and provided written documentation showing : Nonconforming goods Rejection at delivery No acceptance of merchandise Continued merchant refusal to refund Despite this, Barclays closed the dispute, stating there was nothing further they could do. Barclays appears to have treated this issue as a return dispute rather than a nondelivery billing error, which is a misapplication of the Fair Credit Billing Act. Under the FCBA, billing errors explicitly include charges for : Goods not delivered Goods not delivered as agreed A merchants assertion of attempted delivery does not constitute delivery when the consumer rightfully rejects nonconforming goods. The goods were never delivered or accepted I had the right to reject nonconforming goods Retaining payment under these circumstances is unlawful Barclays failed to properly investigate and resolve a qualifying FCBA billing error Barclays refusal to correct this billing error violates their obligations under the FCBA and deprives me of federally protected consumer rights. I respectfully request that the CFPB require Barclays to : I am attaching copies of my written correspondence with both the merchant and Barclays in support of this complaint. 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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Robinhood XXXX credit card requested information about my reqrds history where agebt over phone initially gave some info then said team will reach out via email. Then requested more info and he hung up. Reached out to them via chat again which is worse. No responses for 20-40 minutes. Not only they didnt help they are literally worse customer support team. Imagine spending 1 hr for simple request on a Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I contacted One Main Financial about my exhobantly high interest rate ( 35 % ) on the vehicle title loan I have with them. I have been asking to refinance my vehicle, but since it has high mileage now, they won't work with me at all. They only are applying XXXX XXXX towards my principal and the rest in interest. At this rate I'll never get out of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I held a Bilt Rewards credit card and paid an annual fee for the product. In XX/XX/year>, Bilt materially changed the core feature of the card : rent payments, which were previously charged to the credit line, are now automatically debited from a linked bank account within 24 hours. This change was made without my consent and eliminated the primary benefit for which I enrolled and paid the annual fee. I contacted Bilt via chat to cancel my account and request a refund of my annual fee. The following occurred : The agent provided an incorrect email address for their card servicing partner ( XXXX ). The email bounced. The agent later corrected it to XXXX, but the error delayed my ability to escalate. Rather than processing my cancellation, the agent required me to complete multiple steps before they would close my account : disable autopay, remove XXXX routing numbers from third-party portals, unlink all cards, unlink loyalty transfer partners, and cancel rent reporting enrollment. These requirements are not disclosed at enrollment and appear designed to discourage cancellation. I completed all required steps and confirmed this to the agent. When I stated that I intended to file a CFPB complaint due to the dark pattern cancellation process, the agent immediately stopped processing my request and stated it would be " escalated to a specialist '' with no timeline provided. The cancellation was not completed. The card cancellation was directed to a separate company ( XXXX ), while Bilt account closure is handled by Bilt requiring me to contact two separate entities to fully cancel. I am requesting a full refund of my annual fee based on the material change to the product 's terms after payment, and written confirmation of complete closure of both my Bilt account and associated credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had XXXX XXXX XXXX and was sick. The next year, My husband lost his job and I was furloughed

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate and unverified debt reporting by XXXX XXXX XXXX and Jefferson Capital Systems LLC on my credit reports. Both companies are reporting collection accounts that I do not recognize and that appear to contain errors. The accounts currently reported are : XXXX XXXX XXXX Balance reported : {$2900.00} Jefferson Capital Systems LLC Balance reported : {$1200.00} These accounts are negatively impacting my credit and financial standing. I have not received sufficient documentation proving that these debts are valid or that these companies have the legal authority to collect them. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting that these companies provide full verification of the alleged debts including : The original creditor name The original signed contract or agreement Full account history and payment records Documentation showing the legal transfer of the debt to the collection agency If the companies can not provide proper validation of these debts, the accounts should be removed from all credit reporting agencies immediately. I am requesting that the CFPB investigate this matter and require XXXX XXXX XXXX and Jefferson Capital Systems LLC to either provide proper validation of these debts or delete the accounts from my credit reports. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I saw and add on XXXX for a XXXX XXXX XXXX. I spoke with the contact multiple times and they had XXXX followers on their XXXX add under XXXX XXXX XXXX. I wired {$15000.00} to Wells Fargo account XXXX and routing number XXXX and wire reference XXXX. Once I sent it I started seeing other ads on XXXX with the same equipment I bought. The day after the wire I contacted my credit union and they retracted the wire. Wells Fargo basically said too bad the funds are gone and haven't helped any further. I have opened a case with the FBI online crimes and filed a report with my local sheriff. Please help..

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
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, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I demand this be taken off my account immediately!! As this has been stressful for me and its unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Servicer under contract with Federal Student Aid
State: OK

Complaint narrative:
My XXXX account was negative due to a charge for tuition. This charge was invalid. My tuition was waved because I did not live on campus but when I called the office to ask they just told me everything was current. I got a loan and used the rest of my savings to pay off the remaining balance on my XXXX account and then they partially refunded the money to my account because my tuition was waived and the charge on my account was invalid.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: FL

Complaint narrative:
i received emails informing that my applications to open a checking and saving account at US Bank was approved and after a few hours i got the confirmations that both accounts were open also indicating the last XXXX digit. i also got email confirming that my new credit card visa would arrive in XXXX business days. i never had or wanted a new account at this bank and never had any kind of relation with this bank. i reported to USBank ( via phone this morning ) the suspect fraud and then i frozen my credit score that was anyway damaged for the new line request and this morning i called the bank and they informed me that i have to file a form that i never received from them. i called them 3 times and after entire days still not form that allow me to certify that the XXXX above accounts opened were never requested or authorized by me. the operators also confirmed full details of me including ssn, address, phone number, etc all used to send applications and opened the accounts. it is quite clear the accounts were opened by the bank and not by someone who wanted to fraud me since i would have to make a deposit to be frauded.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have started this complaint for quite a while now as capital one having been driving me nuts about my money which I have in my account and they claimed theyve closed since XX/XX/XXXX and still havent released my money till this very moment. I contacted them to ask about it which they kept on saying theyve been investigating for over XXXX months and later resulted to them releasing some of the money as close out check and theyll return some back to IRS which I never understand why IRS came in the picture cause I know it wasnt IRS that paid them directly it was XXXXXXXX XXXX that paid them directly and now they said they will return money to IRS which got me confused cause the funds in question were deposited by XXXX XXXX, not directly by the IRS. I do not understand why Capital One keeps referencing the IRS as the recipient of returned funds when XXXX Products was the originator of the payment. On XX/XX/XXXX, Capital One removed the remaining funds from my account. The transactions appear as Withdrawal Transfer, with the money sent to an internal or unknown account controlled by the bank. Since that date Since that date : I have not received any additional close-out check TPG has not confirmed receiving any returned funds Capital One representatives claim the money was returned to the originator I have not been provided proof of return, XXXX XXXX details, or documentation I called capital to ask for the situation and they claimed to have returned all money to there originator which the last person ( agent ) I spoke to named XXXX claimed theyve returned the money back to originator and they cant communicate with me anymore because XXXX no longer there customer. This is so appalling and unacceptable, I trusted banking with them and they ruined all of this for me! I had lost people I could have helped with the money on sickbed which I even communicated with them to understand what I was going through but there devilish mind wouldnt allow them to answer me and release my money to me, now they claim they want to return it back to it originator after XXXX months of holding captive of my money what they could have done immediately as they received it but No they had other plans of doing all of this. Now they aint sending closure check and still not returning money back to there originator. If the bank intended to return the funds to the originator, this could have been done immediately upon receipt. Instead, the funds were held for months and then removed without clear explanation, documentation, or resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Someone is trying to open a banking account in my name on line... I have gotten several emails that indicate that they going to the process howerver I have not responded. I can forward the emails ... in addition how do I get my information off the dark web this has happened alot. 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