vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Violation of Regulation E / Unauthorized Electronic Fund Transfers I am submitting this complaint against Regions Bank for failure to comply with the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005 ) in connection with unauthorized debit card transactions resulting from a stolen card. On XX/XX/2026, my debit card was stolen and was not in my possession at the time the fraudulent transactions occurred. I did not authorize, initiate, or benefit from any of the disputed transactions. I timely notified Regions Bank upon discovery of the fraud and fully complied with all reporting requirements. The bank opened the following claims : Claim # XXXX {$4000.00} Claim # XXXX {$220.00} The total amount of unauthorized transactions is {$4300.00}. I also filed a police report and provided Regions Bank with all supporting documentation, including evidence that the transactions were unauthorized and, in some instances, conducted through XXXX XXXX, which I did not authorize or enroll in. Despite this, Regions Bank has failed to provisionally credit my account within the required timeframe and has either denied or unreasonably delayed resolution of my claims without providing a legally sufficient explanation. This constitutes a violation of 12 CFR 1005.11, which requires financial institutions to : Conduct a good faith, reasonable investigation Complete the investigation within prescribed timelines Provide provisional credit when the investigation exceeds 10 business days Correct errors and reimburse consumers for unauthorized transactions Regions Banks actions indicate a failure to conduct a reasonable investigation and a failure to comply with mandatory consumer protections under federal law. Additionally, XXXX, as the payment network, has failed to ensure appropriate zero-liability protections are applied in this case. Given the factsstolen card, timely reporting, police report filed, and substantiated unauthorized transactionsthere is no legal basis for denying reimbursement. Requested Resolution : 1. Immediate reimbursement of {$4300.00} for all unauthorized transactions 2. Written documentation detailing the investigative steps taken and the basis for any denial 3. Confirmation that Regions Bank is in full compliance with Regulation E requirements 4. Review of this matter for potential systemic non-compliance with federal consumer protection laws Regions Banks refusal to return funds under these circumstances demonstrates a disregard for federal law and consumer protections. I am requesting immediate regulatory intervention to enforce compliance and ensure restitution.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, I called South State bank who I was banking with to inform them about a situation with a merchant, they instructed me to contact the merchant than call them back I called the merchant with no resolution and I requested a dispute for multiple transactions from the same merchant and to dispute as breach of contract. I also so emailed the merchant and emailed the bank all correspondence. Later that day I logged in to my account and both of my checking and savings accounts disappeared. I called the bank and I was told I need to step into a branch, I explained Im on the XXXX XXXX Im not near a branch. On today XX/XX/year> I called again was told the fraud department put a freeze on my account pending the review of my disputes. The disputes arent fraudulent. A service was rendered technically. Customers cant speak to the fraud department I never received and notices, emails or calls from the bank. The bank card was the only card I had and XXXX left stranded on the west coast unable to get home at the moment. I have a business account from another bank that I use to transfer money to south state when I need to withdraw cash. My business account is where I receive a majority of my direct deposits, I have less issues with business and investment accounts its always these local banks and now look at the issues. I had XXXX in income for the month of XXXX I dont need to commit fraud. Its a reason I dont have my income going into South State bank. They way they just froze my account for no reason is sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is a continuation of CFPB complaint # XXXX, which was closed after the company responded but did not resolve the issue. American Express continues to restrict access to my High Yield Saving Account funds. They are requiring identity verification through methods that have already failed due to technical issues on their end, including a selfie verification process that did not function. I have made multiple good-faith attempts to comply with their requirements. Despite this, they are refusing to provide any alternative method of verification while continuing to restrict access to my funds. This effectively DENIES ME ACCESS TO MY OWN MONEY due to an inaccessible and non-functioning verification system. I am requesting IMMEDIATE RELEASE OF MY FUNDS via direct transfer or another reasonable method that does not rely on a failed verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/year>, while traveling internationally for business, my card was placed on a XXXX ' fraud security block. I attempted to resolve this immediately through the company 's automated phone system, but was trapped in a non-functional AI loop. The AI required a text-message OTP ( One-Time Password ). Because I was international with limited cellular service, I could not receive the codes. When I did have service, the codes consistently arrived XXXX minutes late, rendering them expired, useless, and forcing me to repeat the loop. The AI provided no alternative for manual verification or transfer to a human agent, effectively locking me out of my business funds for the entire two-week duration of my trip. The system stated that a representative would call me within XXXX to XXXX hours to verify my identity. It has now been over 30 days, and I never received a callback or any communication from the fraud department. I was only able to finally reach a human agent today ( over 30 days later ) by intentionally staying silent on the line and refusing to provide account details to the AI. This forced a system 'time-out ' that eventually transferred me to a representative. Furthermore, the banks reliance on an unresponsive AI loop and a 30-day delay for a promised callback created an extreme vulnerability to scams. Because the official verification channel was non-functional, I was left in a position where I was forced to wait for an unverified 'callback ' from someone claiming to be a bank official. This 'algorithmic banking ' approach trains customers to expect and trust unsolicited calls from the bankthe exact tactic used in high-frequency phishing and social engineering attacks. By failing to provide a secure, immediate, and human-led verification path, the company has compromised my security posture as a consumer. Conclusion : The companys security protocols are abusive in that they provide no functional path for identity verification during international travel and fail to honor their own stated timelines for customer support. I was left without access to my financial assets for a month due to systemic negligence.

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 2026-03-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Olympus1 LLC
State: MO

Complaint narrative:
Follow-Up to CFPB Complaint # XXXX I am submitting this follow-up due to a lack of response after the company initiated a review of my account. After my initial complaint, I was informed that my account would undergo a full audit and that I would receive a follow-up within a specified timeframe. Despite multiple attempts to contact the company, including returned calls, voicemails, and direct replies to a Sr. Manager, I have received no response or update. My original concerns also remain unresolved. I paid {$2400.00} into the program, yet only {$1100.00} was applied toward a single settled account. The company retained {$860.00} in performance fees, while five additional enrolled accounts received no negotiated resolution. Additionally, during my time in the program, hundreds of dollars in interest and fees accrued across my other accounts. As a result, the balances owed to the remaining five creditors have significantly increased and have effectively doubled from when I entered the program, leaving me in a worse financial position. My credit was also negatively impacted as accounts became delinquent without corresponding settlements. Given the limited results relative to the fees charged, I am requesting a fair adjustment. Specifically, I am requesting an additional {$600.00} reimbursement in performance fees, in addition to the previously approved legal fee refund. I am seeking a timely response, a clear resolution, and appropriate reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Home Loan Center, Inc.
State: OH

Complaint narrative:
I applied for a XXXX loan on line, I thought was XXXX XXXX then a guy named XXXX told me he was depositing XXXX for insurance for the loan, he told me not to use it, then he had me to go to XXXX XXXX to get XXXX gift cards with XXXX each, he put XXXX on my XXXX XXXX XXXX then today my bank called me, telling me I have been scammed, the scammed had my bank info and personal info, bank account had to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint against multiple debt collection agencies for what appears to be a clear pattern of unlawful collection practices and credit reporting violations under the FDCPA and FCRA. I formally disputed these alleged debts and requested validation under 15 U.S.C. 1692g, yet the companies failed to provide any legally sufficient proof that I owe these debtsno signed agreement, no chain of title, no valid assignment, and no proper accounting of the balances. Despite this, they continue attempting to collect and/or report this information without verification. This is not a minor oversightit is a direct violation of federal law, including 15 U.S.C. 1692g, 1692e, 1692f, and 1692c, as well as 15 U.S.C. 1681s-2, 1681e ( b ), and 1681i. Their actions show a blatant disregard for legal requirements and my rights as a consumer. Reporting unverified and inaccurate information while pursuing collection activity is unacceptable and exposes them to serious civil liability. This behavior strongly suggests a pattern of willful noncompliance that must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: IL

Complaint narrative:
I purchased multiple items through a XXXX partner merchant using XXXX, with a total order amount of {$520.00} ( including taxes ). I kept only XXXX item ( pants ) valued at {$75.00} and returned all other items, including a dress ( {$240.00} ), pants ( {$89.00} ), and a shirt ( {$78.00} ). All returned items were in original, unworn, and undamaged condition, and I have proof of delivery. Based on this, I should only be responsible for the cost of the single item I kept, plus applicable tax. However, I have already paid {$260.00} through XXXX installments of {$130.00} each, which significantly exceeds the value of the item I retained. Despite this, only a partial refund of {$180.00} was issued, and I am still being required to pay an additional {$80.00}. This is incorrect and does not reflect the actual balance of my purchase. The partner merchant claimed the returned dress was damaged but has not provided any evidence to support this claim despite my request. I disputed this with XXXX, but they closed the case without conducting a proper investigation and relied solely on the merchants unsupported statement. I attempted to resolve this with both XXXX and the partner merchant, but my requests were ignored ( XXXX emails were sent to them with no response ). I believe this is an unfair billing practice and a failure to properly handle a consumer disput

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Tried to close my checking account and was told that because I paid my home equity line of credit ( not my checking account ) that the funds in the checking account couldn't be released until payments clear. Nevermind that I have paid the line of credit literally hundreds of times and never once had a payment not clear. Instead now I'm told that First Citizens needs XXXX business days to verify payments before money in my checking account ( again, NOT my line of credit ) can be released. Also, now I'm locked out of my account, so I can't even verify any of the information that is being told to me about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company
State: OH

Complaint narrative:
I received a medical collection from Credit Service Company related to services from XXXX XXXX XXXX. My insurance ( XXXX ) paid 100 % of the charges, and provider records show a {$0.00} balance with the account closed. Despite this, the account was sent to collections and reported on my credit report. I disputed the account and provided documentation showing full insurance payment and no balance owed. This account is inaccurate and should not have been sent to collections. It has negatively impacted my credit. I am requesting removal of this collection and correction of my credit report so my credit is restored to its proper standing.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit 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: Klarna AB
State: AZ

Complaint narrative:
I purchased a pair of shoes through XXXX for {$440.00}, my payment method was Klarna, the item was sold to me ( in the listing as well ) as excellent condition XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) upon receiving the shoe, it was very well worn. I called XXXX and they suggested I get the shoes repaired. They immediately denied returning the item for refund. I then went to my payment method, Klarna, and they first initially denied my dispute claiming XXXX offered me a refund which wasnt true. I have evidence where XXXX states they arent moving forward with a return, hence why they suggested getting the item repaired. I appealed Klarnas denial of my dispute and they later claimed I didnt provide evidence showing thats how I received the item. Which wasnt true, my photos were dated with the same date as the shipping delivery date with eBays tags showing it came directly from them. Klarna claims they dont do chargebacks when I talked with customer service this last time. I simply wanted to return the item that was sold to me with a different description than what I received. Both XXXX and Klarna are at fault. The seller from XXXX even claims the item I received wasnt as he sold them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The address the original creditor claims the bill was attempted to be sent to is the same address we had already vacated, and therefore we were not properly notified before the account was referred to collections. Additionally, we have documentation showing that the property had significant habitability issues, including the roof caving in, and that it took numerous months for the matter to be addressed. These conditions materially affected the premises and are directly relevant to the alleged balance.

Company response to consumer: Closed with explanation