vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Climb Credit Inc.
State: MD

Complaint narrative:
I have called XXXX Frontend Simplified, I requested a cancellation of the contract with XXXX XXXX and XXXX, XXXX for {$10000.00} at XXXX per month and Frontend Simplied {$39.00} per and so both companies wanted to charge me for an online training course which I have not started and I will not start, I think they are trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to SECURITY CREDIT SERVICES under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to SECURITY CREDIT SERVICES, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of XXXX FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: NJ

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

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 XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX 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 am very stress trying to take care of this matter, the more I try the worse my situation gets. I really need help with this issue please. No matter what I do it's not working. I am a single parent trying to make ends meat, it is very stressful without help with the day to day struggles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
XX/XX/year> My XXXX mothers debit card/account has been locked by U.S. Bank. She has been without access to her money for several days, and after receiving her payment yesterday, she is still unable to access any funds. We contacted the bank and were told there is no way for her to access her money at this time. She currently can not purchase food or basic necessities. This situation is causing immediate financial hardship and risk to her well-being. We are requesting urgent restoration of access to her funds or an immediate alternative ( such as in-person withdrawal or temporary access ). We believe the bank has failed to provide a reasonable solution despite verification attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/year>, an {$8000.00} balance transfer was sent from XXXX to Chase via a check payable directly to Chase. The check was processed and marked as paid on XX/XX/year>. However, the funds were never applied to the intended account. Because the check was payable to Chase, the funds were received and controlled internally by Chase. I have contacted Chase multiple times requesting a trace of the payment and identification of the account where the funds were applied. Chase has acknowledged receipt but has not been able to identify or disclose where the funds were applied. This indicates the funds were misapplied to the wrong account or improperly credited. Despite multiple attempts, Chase has failed to investigate or resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
We received a letter on XX/XX/XXXX from Synchrony Bank stating that our XXXXXXXX XXXX Rewards card is being closed. They are closing this account because they say there is incorrect information related to this card. It has been indicated that the birthday for XXXX is incorrect. Her birthday is XX/XX/XXXX. I called the XXXX XXXX XXXX ( Synchrony Bank ) and they gave me that information regarding the incorrect birthday. Their number is XXXX. We have had this card for XXXX years and have never missed a payment. We would like to have this card reactivated. Thank you for your 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 non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: VA

Complaint narrative:
b'I was enrolled in an FHA Trial Payment Plan with payments due XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX each. I arranged automatic withdrawals with LoanCare in XXXX XXXX My XXXX and XXXX payments processed successfully.\nMy February payment was scheduled for XXXX XXXX XXXX. My bank statements show NO attempted debit, NO returned payment, and NO NSF transaction from LoanCare on that date or any date in XXXX. However, LoanCare\'s own monthly statement shows "Payment Received" on XXXX followed by "Payment Reversal due to Bank Return" on XXXX seven days later.\nI called LoanCare on XXXX XXXX XXXX and was told nothing was wrong. I received zero written notice of any payment issue. LoanCare did not reach me until XXXX XXXX XXXX 31 days after the alleged return giving me no opportunity to cure.\nOn XXXX XXXX XXXX I submitted a formal Payment Research Request with three months of bank statements proving no debit occurred. LoanCare responded with one sentence and zero documentation no ACH trace number, no return reason code, nothing.\XXXX XXXX XXXX XXXX I prepared a formal RESPA Notice of Error. It was mailed to LoanCare on XXXX XXXX XXXX via USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX and delivered XXXX XXXX XXXX LoanCare has not responded.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to I C System Inc under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to I C System Inc, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: OH

Complaint narrative:
I used Square to send an invoice to a customer. The customer paid the invoice but Square is refusing to release the full invoice amount to me. Ive called and requested they release my funds twice now and they refuse. They are indicating there is 120 day hold. Which they never notified me of prior to me using their services. I would not have used their services if they would have told me ahead of time that they were going to place 30 % of my invoice in reserves. They NEVER informed me a hold until AFTER they collected the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am a victim of identity theft, I was in the process of the buying a home ; I realized my identity was stolen and used to obtain credit cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {XXXX XXXX LVNV Funding LLC XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am writing to formally report Robinhood Financial/XXXX XXXX XXXX for XXXX unauthorized sports betting to residents of California and for failing to honor financial transactions related to these activities. I reside in California and on XX/XX/year>, I entered iXXXXo a 4-leg sports event contract parlay. My complaint is based on the following : Platform Failure and Financial Loss : During the course of my trade, the Robinhood application displayed that my 4-leg parlay was in a " positive '' position. However, when I attempted to sell the contract to realize my gains, the platform blocked the transaction, citing a price error while showing my balance positive, essentially holding my funds hostage. This technical failure resulted in the total loss of my {$800.00} investment. Inadequate Resolution : After I complained, Robinhood issued a {$100.00} " goodwill '' credit but refused to reimburse the remaining {$700.00}, despite the loss being caused by their platforms inability to execute a sell order. The screenshot of the attempt to trade shows the timestamp at the top, along with the time of the next " leg '' of the parlay. This shows my attempt to secure my funds before the final leg even started. Once I was unable to withdraw my funds from approximately XXXX to XXXX, my break time was up and I had to return to work. I spent my whole work break trying to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A Regulation CC violation by Bank of America ( BofA ) occurs when the bank fails to adhere to federal rules regarding the timely availability of deposited funds or fails to provide required disclosures. This generally involves placing " holds '' on checks for longer than the maximum timeframes permitted by the XXXX Funds Availability Act ( EFAA ). Regulation CC Violations : Excessive Check Holds : Placing a hold on funds beyond the XXXX business day requirement for standard checks, or longer than the legal maximum for exception holds. Improper " Large XXXX '' Holds : Holding the entire amount of a check over ( rising to on XX/XX/year>, rather than just the amount exceeding that threshold. Inadequate Notice : Failing to notify customers in writing at the time of deposit ( or promptly after ) that a hold has been placed, along with the reason. XXXX Account Mis-holds : XXXX funds on checks for new accounts ( under 30 days ) longer than permitted, or failing to make the first available by the next day. Unfair " Doubtful Collectibility '' Holds : Improperly citing " reasonable cause to doubt collectibility '' to hold funds without specific, documented evidence. I spoke to a XXXX from Texas today, and the first one was very resistant. The second was extremely rude and insinuated that I wanted my check to clear overnight. I want the investigation to pull the calls from XX/XX/XXXX to XX/XX/XXXX. Not once did I mention wanting to clear the funds overnight. Not only are they violating XXXX XXXX, but they are also violating customers ' privacy rights. Her supervisor was very rude as well. I am asking these individuals to be professionally reprimanded and demoted. This is unacceptable in any business setting. I have called several times to manage this situation. The second person from Texas stated that they have not verified the check, nor has it cleared. Not only did they prolong the process, but they also rejected even long-standing customers ' right to donate their money to those banking with the same bank. At this time, there is an additional loss of XXXX. My mother, XXXX XXXX, donated her funds, but they were rejected as fraudulent. She's been a banker for over 21 years. Never in 21 years or in our lives have we committed fraud. Nor do we have criminal backgrounds. We have never been accused or insulted in such a way. The BOA XXXX Department does nothing but excuse the bank 's wrongdoing. I'm calling for action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have tried to get a extension for the payment towards the XXXX dXXXX XXXX XXXX XXXX XXXX XXXX XXXXalled XX/XX/year> they stated their was no options other then removing myself and reapplying I am beyond stressed and have done exactly what XXXX bank told me to do and reached out like it says to do in the text messages and letters, know you options, here we are today I had to sign for a letter for demand of XXXX $ which is what is behind that would be due on my birthday XX/XX/year> or face forclosure I am beyond disappointed and feel mislead I am able to pay it on the XXXX but they said no and removed me. Now XXXX not sure I trust us bank as I have been mislead and just recieved this letter even though XXXX still in mitigation and it should pause all forclosure proceedings. If it is not reopened and replaced into another program I will be looking into an attorney. My husband has a valve replacement XXXX and I had to save the {$2000.00} deductible for the procedure and would have only missed the payment up to the XXXX! I want options to avoid foreclosure as j have XXXX children under the age of XXXX. I have been mislead and now scared to lose my home and will seek attorney for assistance.

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 2026-04-23 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: VA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 explanation