vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AR

Complaint narrative:
A man sent me {$500.00} into my cash app, then cash app asked him to send an additional {$300.00} and Cash app didn't credit my funds into my cash app account! They're up holding my funds and not giving me my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I was approved for a trial loan modification. I mailed my payment and thought all was well. I was then admitted to the hospital and was not well. I had no idea there was an issue however I found out later they claimed to never received it. Therefore cancelling the plan and now wont work with me wont let me submit another request for a modification

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 2026-06-02 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Company Name : Midland Credit Management XXXX XXXX ( or Midland Funding LLC ) Original Creditor : XXXX XXXX Bank Issue : Incorrect information on your report / Debt is not yours / Improper verification Complaint Description : I am filing this complaint because Midland Credit Management is reporting an alleged XXXX XXXX XXXX debt on my credit reports, yet they have failed to provide any legal validation, notification, or proof of ownership. Prior to Midland 's reporting and recent sudden legal escalation, I never received any collection notices, validation letters, or attempts to collect from XXXX XXXX Bank, nor did I receive the mandatory XXXX dunning/validation notice from Midland required under the Fair Debt Collection Practices Act ( FDCPA ). Suddenly, I was served with legal paperwork on XXXX XXXX, 2026, for a debt I do not recognize and have never been given the opportunity to dispute or verify. Because Midland is a third-party junk debt buyer that purchases pools of charged-off accounts for pennies on the dollar, I am exercising my rights to demand strict proof of their legal right to collect this specific alleged debt. I demand that Midland provide the following documentation to resolve this matter : 1. Complete Chain of Custody : A complete, unbroken chain of title from XXXX XXXX XXXX down to Midland, proving they actually own my specific alleged account, not just a generic bill of sale for a bulk portfolio. 2. Proof of Purchase / Bill of Sale : The specific, redacted Bill of Sale and corresponding " Assignment of Accounts '' or account schedule that explicitly lists my name and alleged account number. 3. Original Agreement : The original signed contract or cardholder agreement associated with this alleged XXXX XXXX account. 4. Complete Accounting : A full itemized statement of the alleged balance, breaking down principal, interest, and fees, showing exactly how the final amount was calculated. Until Midland can legally prove their chain of custody, ownership, and the accuracy of this debt, they have no legal standing to report this on my credit files or pursue collection. If they can not produce these specific documents, I request that this account be completely deleted from all credit bureaus and all collection activity cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my company credit card because I haven't used it in a while. Normal companies send you a letter asking you to use the card to keep it active, THEY DID NOT, THEY JUST CLOSED THE ACCOUNT. Then to make matters worse, they dinged my credit two more times and reopened my credit card and said they were going to mail me my new card and remove one of my inquiries. AGAIN, THEY DID NOT. I just received a letter from Citibank stating once again the CLOSED MY NEW ACCOUNT due to inactivity. They are a pathetic bunch of XXXX and I will not stop until this mess is completed to my satisfaction. Which is the reopening of my account and the removal of my inquiries and a new credit card is issued. 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 non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Portfolio recovery associates XXXX XXXX XXXX, XXXX, VA XXXX RE : Account Number : XXXX Dear Collector, I am writing to formally dispute the validity of the debt referenced above.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX ( b ), I am requesting written verification of this debt. Specifically, I am asking you to provide : The name and address of the original creditor.The original account number associated with the debt.An itemized accounting of the current amount of the debt, showing principal, fees, interest, and credits since the original account went into default.Proof that your agency is authorized to collect this debt on behalf of the creditor.Please note that this is not a refusal to pay, but a request for validation. Under the FDCPA, you must cease all collection efforts until you obtain and mail verification of this debt to me.Furthermore, if this alleged debt is beyond the statute of limitations for filing a lawsuit in my state, please be advised that I am not acknowledging the debt and will not make any voluntary payments.I look forward to receiving your prompt response.Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this CFPB complaint as my XXXX follow-up escalation regarding inaccurate, unverified, and improperly documented inquiry entries continuing to appear on my Experian and Equifax credit reports. Despite prior disputes and requests for reinvestigation, these inquiries remain on my credit files without full validation, without documented permissible purpose, and without any confirmed proof of lawful authorization as required under FCRA 619 15 U.S. Code 1681q, FCRA 604 ( a ) 15 U.S. Code 1681b ( a ), and FCRA 604 ( f ) 15 U.S. Code 1681b ( f ). The inquiries reported on Experian include XXXX XXXX ( XXXX ), XXXX ( XXXX ) XXXX XXXX OF XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX OF XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX ( XXXX ), all of which continue to appear without complete disclosure of authorization records, permissible purpose documentation, or compliance verification. Similarly, the inquiries reported on Equifax include XXXX XXXX XXXX ( XXXX ), XXXX, XXXX ( XXXX ), and XXXX ( XXXX ), which also remain unverified and unsupported by documented lawful purpose. Prior dispute attempts have not produced adequate verification or resolution, and I have not been provided with complete documentation demonstrating that these inquiries were legally obtained or properly reported. Continued reporting of these items without full proof of authorization raises serious concerns under federal accuracy standards and suggests noncompliance with the Fair Credit Reporting Act. I am requesting CFPB assistance to ensure full compliance and to require either complete documented verification or immediate removal of all disputed inquiries from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this CFPB complaint as my XXXX follow-up escalation regarding inaccurate, unverified, and improperly documented inquiry entries continuing to appear on my Experian and Equifax credit reports. Despite prior disputes and requests for reinvestigation, these inquiries remain on my credit files without full validation, without documented permissible purpose, and without any confirmed proof of lawful authorization as required under FCRA 619 15 U.S. Code 1681q, FCRA 604 ( a ) 15 U.S. Code 1681b ( a ), and FCRA 604 ( f ) 15 U.S. Code 1681b ( f ). The inquiries reported on Experian include XXXX XXXX ( XXXX ), XXXX ( XXXX ) XXXX XXXX OF XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX OF XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX ( XXXX ), all of which continue to appear without complete disclosure of authorization records, permissible purpose documentation, or compliance verification. Similarly, the inquiries reported on Equifax include XXXX XXXX XXXX ( XXXX ), XXXX, XXXX ( XXXX ), and XXXX ( XXXX ), which also remain unverified and unsupported by documented lawful purpose. Prior dispute attempts have not produced adequate verification or resolution, and I have not been provided with complete documentation demonstrating that these inquiries were legally obtained or properly reported. Continued reporting of these items without full proof of authorization raises serious concerns under federal accuracy standards and suggests noncompliance with the Fair Credit Reporting Act. I am requesting CFPB assistance to ensure full compliance and to require either complete documented verification or immediate removal of all disputed inquiries from my credit reports.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I previously disputed the Portfolio Recovery Associates account ending in XXXX appearing on my credit report. The furnisher responded with generic assertions that the account was verified ; however, sufficient documentation supporting the disputed information has not been provided. Pursuant to FCRA 611 ( a ) ( 7 ), I request the method of verification used during your investigation, including : * The source used to verify the account * Copies of the documentation relied upon * The procedures used during the investigation A reasonable investigation requires more than automated verification or reliance on unsupported business records. If the disputed information can not be fully verified with competent documentation, the account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing a complaint against IQ XXXX Data regarding a debt in the amount of {$6000.00} that is being reported. On XX/XX/year>, I contacted IQ XXXX Data by telephone to discuss the account, confirm the debt being reported, and explore available options for resolving the balance. My goal was to better understand the account and determine what options were available to pay off or settle the debt. During the call, the representative informed me that they would review whether I qualified for a hardship program and began asking detailed questions regarding my financial circumstances, income, and ability to pay. Based on the representative 's statements, I understood that this information was being collected to evaluate my eligibility for hardship assistance or other payment relief options. However, after providing the requested information, I was not provided with a clear explanation of the hardship program, the eligibility requirements, or whether I qualified for any assistance. I left the conversation feeling that the purpose of collecting my financial information had been misrepresented. The representative 's statements led me to believe that a legitimate hardship review was being conducted, yet no meaningful information about the program was provided. Instead, I was left with the impression that the financial information I disclosed could potentially be used against me in collection efforts rather than for the purpose of determining eligibility for assistance. I am concerned that the hardship program may have been presented in a misleading manner to encourage disclosure of sensitive financial information without adequate transparency regarding how that information would be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax will not delete my The five inquiries that I have asked them to remove Multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Experian regarding its reinvestigation results for Experian Report XXXX XXXX, dated on or about XX/XX/XXXX. I previously disputed several tradelines on my Experian consumer report. Experian responded that the disputed accounts were verified, but the results did not provide a meaningful explanation of the procedures used to verify the accuracy and completeness of the disputed information. The disputed accounts are XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX / XXXX. For XXXX XXXX XXXX XXXX, Experian verified repeated monthly CO charge-off codes across XXXX, XXXX, and XXXX. Experian also verified a status stating Account charged off. {$6700.00} past due as of XX/XX/XXXX while also reporting a total balance of {$10000.00}. I am requesting an explanation of how Experian verified the repeated charge-off codes, status, past-due amount, and balance as complete, accurate, and not misleading. For XXXX XXXX, Experian verified the tradeline as accurate despite the payment history grid appearing to omit the entire calendar year of XXXX and XXXX. I am requesting an explanation of how Experian determined that a payment history with an apparently missing year was complete and accurate. For XXXX XXXX XXXX/ XXXX, Experian verified a Recent Payment field showing {$2800.00}. I dispute that this was an actual payment made by me. I believe the amount may instead relate to a sale, transfer, assignment, or account transaction connected to XXXX XXXX XXXX. I am requesting documentation showing that the amount was properly verified as a consumer payment. I am an active-duty servicemember, and accurate credit reporting is important to my financial readiness. I am requesting that Experian provide the Method of Verification required under 15 U.S.C. 1681i ( a ) ( 7 ). Specifically, I request the name, business address, and telephone number of each furnisher or verification source contacted ; the procedures used to verify each disputed item ; and the specific records, data, or documentation relied upon during the reinvestigation. If Experian relied on automated verification, e-OSCAR responses, or similar electronic responses, I request that Experian identify that and explain how those responses verified the disputed information as complete and accurate. If Experian can not verify the disputed information as complete, accurate, and properly reported, I request that Experian correct or delete the unverifiable information and provide me with an updated credit report.

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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am having trouble opening an account due to XXXX XXXX closing it upon a balance. My banking information was stolen at this time & I submitted IRS fraud complaint. Unfortunately a police report could not be conducted at the time XXXX as I was unaware who has my information. Now this is resulting in hardship & Unable to open an account anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This is the third complaint Im filing regarding this issues either XXXX XXXX XXXX and Capital One because my last one was closed just because they responded. After refunding the {$2900.00} for 5 days or so, the charge has been put back on my card. I need this corrected or itll be fought in court. This charge was the full amount of my rental, which I made payments each time I extended my rental. The {$2900.00} was promised to be refunded because of the " system error by XXXX rental on rangeline in XXXX Missouri, and while Capital one also mentioned on multiple occasions that they seen a pending refund it took a over a month and only lasted XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: MI

Complaint narrative:
Hello officer I have create a XXXX account outside of united states. Using SSN from internet, I'm sorry for that. My problem, I have create this account outside of united states that's why I don't have a real phon I'm adding a temporary phon nambar from internet. But my account logout from my trusted devices, And I have a XXXX XXXX XXXX endin XXXX XXXX XXXX on my XXXX file but it's not working for login verification.every time XXXXo asked me phon nambar verification, I'm unable to verify phon verification bcz temporary phon nambar. Please help me recover my account.Anyway Note : My Account is now parmantly limit .pls sir help me im nevar create any account with XXXX i promise My XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union has failed to properly investigate or resolve a missing ATM deposit of {$3700.00} made on XX/XX/year>. For weeks, I received conflicting information from Navy Federal representatives. I was told the ATM could not read my check, that a copy would be mailed on moment, then I call a few days later and I was told that no copy had been mailed I had to pick it up from the bank, that there were no issues. I ran out of gas on the way home just because I was told I had to pick it up, and after continuously getting told by customer service reps, bank tellers and bank managers that there werent any flags on the check, no notices or account notes saying anything was wrong with the check, and I will be getting a legal copy in the mail I even went back to the branch where I deposited the check and the teller call the atm service reps and they said I just needed to wait a few more days to get the check, then I waited 3 more days after that then I go back and all of a sudden after the runaround they tell me they find fraud indicators, without an explanation. Despite multiple requests, Navy Federal has never provided an XXXX XXXX, check image, transaction records, proof of any fraud notifications, or an explanation for why there is no record of the deposit in my account history. When I escalated the issue, Navy Federal falsely claimed the matter had been resolved through a conversation that never occurred. They then closed the matter without addressing any of my questions or providing the requested documentation. As a direct result of Navy Federals actions and failure to resolve this issue, I suffered significant financial hardship. I fell behind on bills, struggled to provide food for my children, and was forced to sell personal belongings, including my cell phone, to meet basic needs. Since then, Navy Federal has also been placing extended holds on my deposits, often for six or more days, creating additional hardship and causing further delays in paying my bills. I am requesting that the CFPB require Navy Federal to conduct a complete investigation, provide all records related to my XX/XX/year> deposit, explain the basis for the continued extended holds on my deposits, and take appropriate action to correct the financial harm caused by its handling of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a targeted promotional offer via email for a {$70.00} reward certificate after spending {$2000.00} or more outside of Best Buy using my My Best Buy Visa card between XX/XX/year> and XX/XX/year>. I also received multiple reminder emails encouraging me to complete the required spending. And it did encourage me to spend as I actually tried to just get over that {$2000.00} This is the XXXX time in where a {$70.00} promotional certificate was offered to me but never credited even after I completed all the requirements. This is getting to the point that I think I should stop trying to complete these promotional offers. I swear I have pressed the activate button multiple times and yet your system never registers. I am requesting that the promotional offer be honored because I completed this in good faith. I'm attaching the total amount spent in an XXXX sheet because it was full of small purchases, you can verify. It's really frustrating and I think im just going to stop doing these promotions because it's resulted nothing but complaint and disappointment.

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