vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Complaint Unfair Debt Collection Practices/ Inaccurate Reporting / Harassment To Whom It May Concern, I am filing a formal complaint against Innovative Recovery regarding unfair debt collection practices, inaccurate reporting, misleading settlement information, and coercive communication related to an alleged debt originally associated with XXXX XXXX XXXX XXXX XXXX. This matter began when XXXX XXXX XXXX XXXX XXXX transferred or sold an alleged property-related debt to Innovative Recovery. However, Innovative Recovery reported this debt before providing me with proper prior notice or giving me a fair opportunity to dispute or resolve the matter. I was first made aware after the reporting had already impacted my credit and housing opportunities. Additionally, XXXX XXXX XXXX wrongfully charged me approximately {$12000.00} for damages allegedly caused by another individual who damaged their garage and incorrectly referenced my apartment number. I disputed this matter and went to court, where I prevailed. Despite this, I have continued to suffer financial and emotional hardship. I paid substantial amounts from my personal savings to avoid eviction and resolve balances in good faith. After paying significant balances, I later experienced rental payment issues and attempted to bring payment directly to the leasing office, but they refused to accept my payment and proceeded with eviction actions. This has severely harmed my ability to secure housing. My concerns regarding Innovative Recovery include : Reporting the debt before proper communication or validation. Threatening that the eviction and debt would remain on my credit reports and impact my ability to obtain housing. Refusing to reasonably negotiate settlement terms despite my financial hardship. Setting up XXXX payment arrangements without my consent or authorization. Creating inaccurate internal notes stating I accepted a 50 % settlement, which is false. A manager had previously discussed a possible 20 % settlement. Repeatedly directing me to one specific employee while preventing meaningful communication with supervisors. Using pressure and fear regarding future housing to force payment arrangements. I believe these actions may constitute unfair debt collection practices, inaccurate reporting, misrepresentation, and unauthorized payment arrangement activity. I respectfully request that this matter be investigated and that appropriate corrective action be taken, including review of the reporting, collection conduct, and any unauthorized payment setup. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I submitted a formal dispute regarding inaccurate and materially misleading credit reporting connected to financial hardship caused during a government investigation in which I was ultimately found not guilty. The issue did not only affect vehicle loans or leases, but also impacted my overall financial profile, including credit cards, loans, and other accounts due to the seizure of financial assets and resulting financial constraints. I provided supporting court records, protective order documentation, and evidence of the circumstances involved. Despite this, the company issued a generic response without addressing the evidence submitted or explaining how the accounts were verified. They also failed to provide the requested method of verification, including records reviewed and parties contacted. I am requesting a proper reinvestigation, disclosure of verification methods used, and deletion of inaccurate or unverifiable negative reporting under the Fair Credit Reporting Act.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a formal dispute regarding inaccurate and materially misleading credit reporting connected to financial hardship caused during a government investigation in which I was ultimately found not guilty. The issue did not only affect vehicle loans or leases, but also impacted my overall financial profile, including credit cards, loans, and other accounts due to the seizure of financial assets and resulting financial constraints. I provided supporting court records, protective order documentation, and evidence of the circumstances involved. Despite this, the company issued a generic response without addressing the evidence submitted or explaining how the accounts were verified. They also failed to provide the requested method of verification, including records reviewed and parties contacted. I am requesting a proper reinvestigation, disclosure of verification methods used, and deletion of inaccurate or unverifiable negative reporting under the Fair Credit Reporting Act.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts should not be reporting please remove them immediately I have disputed multiple times

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA : Closed a credit card account. Opened a new one. USAA is putting all rewards, over {$250.00} in the closed, non-existent account. There is no way for me to access that closed account to get the money in it. I've made over 12 phone calls and not one person has fixed this. I've spoken with their customer service, banking, credit cards, supervisors, managers, and the CEO office. All I'm getting is that they do not know how to fix it, and will call back some day. Basically, they've taken my money, and won't give it back. Or prevent this from happening again.

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 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: AR

Complaint narrative:
I have proof of 9 unauthorized transactions in my Binance wallet that happened in the Binance app.ive never allowed anyone permission to touch any of my property and I want my XXXX Put back in my account I want all my property from the 9 transactions I didn't make and didn't give no permission to I was in XXXX and my XXXX XXXX said he will verify that if questioned but this is clearly account drainage and fraud written all over it and they all happened from XXXX and I have a name on the document it is XXXX XXXX and XXXX I have all the dates times amounts locations and they need to put it back.i was powerless in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, my PayPal business account was permanently deactivated during the initial registration process, before any transaction, payment, or financial activity of any kind was completed. The account limitations page states : " there was activity on this account that we can not support. '' This is factually incorrect zero activity occurred. The account was flagged and blocked by an automated system before registration was even completed. I contacted PayPal customer support via live chat on XX/XX/year>. A customer service agent reviewed the account, acknowledged the unusual nature of a permanent restriction on a brand new account with zero activity, and escalated the case for manual review. I was told to expect a response within 7 days ( by XX/XX/year> ). No email or any communication was received within that period or after. I subsequently sent a formal written appeal to PayPal 's executive escalations team with full business documentation, including U.S. federal and state incorporation records. No response has been received. PayPal has provided no specific explanation for the deactivation, no path to resolution, and no response to either the escalation or the formal appeal. Reference ID : XXXX I am requesting a formal investigation and a specific, substantiated explanation for this deactivation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I became XXXX lost my car had to move states. Every so often someone will try to help me and send me money but I can never get the money because cashapp doesnt give me Time or decision make they take all the money I get sent even if it is XXXX right away because I owe them. Obviously I would love to pay it all now but I cant afford it. Last straw was my daughter needed me to pay for heXXXX XXXX XXXX she sent me XXXX by accident and within seconds cashapp takes the money and doesnt even let me know and I cant refund to my daughter or do anything else this is ridiculous it is not my first time it happened dozens of times. I want my money back and I will pay back when I get a job. I am XXXX I have XXXX XXXX Im waiting to see if I can get a XXXX help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have concerns over potential identity theft or fraudulent activity based on a recent call with Citibank : Upon calling, I was unable to access my accounts. They didnt seem to have the proper information or history on file such as social security , user name, security answers, etc. and they seemed confused about my questioning the security discrepancies. There were also multiple accounts with different account numbers identified ( since XXXX through to today ), some that were difficult to find and hadnt been linked together. Given the discrepancies in my personal information, there was difficulty in verifying and accessing my accounts. After which, they were unable to securely grant me access to my accounts online for my further review of balances, fraud, charges, etc. I mentioned the potential threat of identity theft or fraudulent activity, and they refused to address those concerns as well. When I asked to speak with a supervisor regarding feedback around the concerns of potential fraud, the supervisor hung up on me.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Mobile deposit made on XX/XX/XXXX from my XXXX XXXX account, that I have done several times before, never held the funds for 10 days, had an Auto draft set for XX/XX/XXXX went through now my account is overdrawn and I still don't have funds, was told I would have them by XX/XX/XXXX NOTHING

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 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am disputing an alleged debt being reported and collected by Portfolio Recovery Associates , LLC regarding a XXXX XXXX account in the amount of {$2500.00}. I requested validation and supporting documentation for this alleged debt by mail, but I never received any response or documentation establishing that I owe the debt or that the company has the legal authority to collect it. The original creditor, XXXX XXXX, previously filed a lawsuit concerning this same alleged debt in XXXX. That case was dismissed without prejudice for want of prosecution after the plaintiff failed to pay the required filing fee to transfer the matter to the XXXX XXXX XXXX XXXX XXXX XXXX. Despite that dismissal, Portfolio Recovery Associates , LLC later filed another civil complaint against me on XX/XX/XXXX. However, that case was also voluntarily dismissed before any court appearance was required. I have documentation confirming the voluntary dismissal. Despite my dispute and the lack of validation, this account continues to be reported on my credit reports with XXXX XXXX XXXX XXXX. The inaccurate reporting has negatively affected my credit score and caused ongoing XXXX XXXX and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
am submitting this complaint regarding inaccurate and/or improper banking reporting that continues to prevent me from opening a checking account and accessing basic financial services. On or around mid year of XXXX a check in the amount of {$600.00} involving my mother was later questioned by the bank due to the age of the check and because the issuer was deceased at the time it was ultimately negotiated. After the issue was raised, actions were taken to address and resolve the matter with the financial institution. The matter was subsequently cleared/resolved around XXXX Despite the issue being resolved, I continue to be denied the ability to open a checking account due to negative reporting associated with this incident. I was not the maker of the check, did not engage in fraud, and did not intentionally violate any banking rules or policies. Since XXXX I have attempted to open banking accounts with multiple financial institutions and have been denied based on this reporting. I believe the continued reporting is inaccurate, misleading, unfair, or unverifiable under the Fair Credit Reporting Act and related consumer protection laws. This reporting is causing significant financial hardship by restricting my access to essential banking services, including direct deposit access, bill payment services, electronic transactions, and the ability to fully participate in normal financial activities.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I had an XXXX XXXX ( AA ) credit card administerd by XXXX. XXXX recently transferred all their AA clients to Citibank. The process was supposed to take place without the need for intervention by existing customers. Citibank has been grossly neglegent in creating my wife and my accounts, and it is impossible to engage them in any manner, by phone, email, or online, to register our accounts. Meanwhile they are CHARGING US and claiming OVERDUE PAYMENTS on credit cards they HAVE NOT ISSUED to us, on accounts we CAN NOT LOG INTO. 1 ) Citibank are charging us overdue payments on accounts we can not access, and credit cards they have not issued to us. 2 ) Since we don't have cards ( they are claiming EIGHT WEEKS to send us our cards!!! ) we can not set up our online accounts. But they are already charging us penalty fees, on accounts not yet set up! 3 ) It is IMPOSSIBLE to contact them! Their idiotic phone system routes to an " AI '' assistant ( their words ), which demands a credit card number, which has not yet been issued. It is impossible to get around this. After hours of trying different numbers, I can not reach a human representative, or otherwise engage with their system, as it refuses to proceed without a credit card number, which they have not issued! These cards are not lost or late in mail, Citibank themselves claim it will take EIGHT WEEKS for them to ship!!! I even resorting to " faking '' trying to open a new account, and even then it asks my " existing '' credit card number. For a " new account application ''! 4 ) So in summary, Citibank is ruining my credit, illegally fining me, and claiming I have outstanding dues, on an account I can not access, which is not yet set up, and on credit cards I DON'T EVEN HAVE POSESSION OF!

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 2026-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Our mortgage company raised our payment by XXXX a month and when we asked why they said it was because of our taxes and insurance. We said thats not true and they would not hear us. We fought with a different agent every month. And we were not allowed to make partial payments so we could not make the monthly payments. Finally we got the right agent on the phone and he saw the problem they were charging us for flood insurance when we had it. They stopped the foreclosure and allowed us to refinance but it is at a much higher interest rate. We were at a very low va interest rate. So now our payment is XXXX more than it used to be to be due to the fact they raised our mortgage XXXX a month. They have tacked on thousands of dollars on attorney fees and late payments. All stemming from their mistake. How is this legal? How are they allowed to treat their customers like this? This is a VA loan and my husband lost his job right when this happened and they said they would help us through this hardship and thanked him got his service!?! Really Shellpoint???? You have ruined our families life for the past year and a half. Now we dont know if we can keep our house. We would not be in this situation. Had you not raised our monthly mortgage payment by {$1400.00}!

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 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: CA

Complaint narrative:
I have some kind of a debt with XXXX but I'm not sure why though because it wasn't my doing I'm a victim of identity theft I didn't know anything about the debt until I started getting things on my credit reports for all 3 credit bureaus about it I don't know who the person that did it because I don't know who they are at all but they used my personal information to do something for themselves without my knowledge then I got stuck having to pay for something I didn't even do anything for getting this debt with XXXX but I wanted to dispute it because the person that did this did it without my knowledge I don't know who they are either I just know that they committed identity theft using my personal information to do whatever they did for my XXXX account I used to have in the past but I didn't know anything about who they are at all so please help me remove the debt with XXXX off my credit reports asap because I had nothing to do with that situation I'd definitely want it disputed immediately so I can get that debt off my credit reports that weren't my doing at all you know what I mean. Thank you for understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I am a resident of Washington State filing a combined formal complaint against Midland Credit Management , Inc. ( MCM ) for systematic and distinct statutory violations of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g and 15 U.S.C. 1692c across two separate accounts. ACCOUNT 1 ( MCM # XXXX | Balance : {$9500.00} | Original Creditor : XXXX XXXX ) : On XX/XX/year>, I sent a formal dispute and a clear written instruction to cease telephone and written communications under 15 U.S.C. 1692c ( c ). MCM received this notice via Certified Mail on XX/XX/year>. MCM completely failed to provide any contract or legal chain of title. Instead of validating the account, MCM utilized the statutory exception under 1692c ( c ) maliciously by sending a " Pre-Legal Notification '' dated XX/XX/year>, stating that they are forwarding my account for " Attorney Review '' and " possible litigation. '' Threatening legal action on an unverified, disputed debt buyer account where the collector has failed to provide basic chain of ownership verification constitutes an unfair and deceptive collection practice. ACCOUNT 2 ( MCM # XXXX | Balance : {$2900.00} | Original Creditor : XXXX XXXX ) : I sent a detailed statutory Debt Validation Request via Certified Mail, which was delivered to MCM on XX/XX/year>. On XX/XX/year>, MCM sent a generic boilerplate reply stating they " concluded their information is accurate. '' They have completely failed to provide the documentation mandatory to establish legal collection standing under Washington State law ( RCW 19.16.260 ), specifically an unbroken chain of physical assignments/Bills of Sale from XXXX XXXX down to MCM, and a copy of the original signed contract or electronic application record. MCM is attempting to use aggressive pre-legal profiling and empty summaries to bypass federal verification standards and state-mandated evidentiary requirements.

Company response to consumer: Closed with explanation