vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been calling to make a payment on my loan and arrange to pay the balance at the XXXX and I get connected to an agent they say they can't hear me and disconnect the call. This has happened 4 times. After One hang up on me I call right back get another agent and it's the same thing. I tried calling the Customer Advocacy Team and get routed back to another agent who also say they can't hear me and hang up again. I have spoken with XXXX, XXXX XXXX is the only part of her ID number I could understand due to her accent, I also was transferred to XXXX and XXXX who also stated they can't hear me. I don't have any other numbers to call to make a payment and arrange to pay the remainder of the balance. I believe they can hear me one of them ( XXXX ) was talking with me until i asked for a breakdown of the amount i owe then he paused and started to read a script about not being able to hear me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Product : Checking or Savings Account Issue : Problem with a deposit Sub-issue : Funds not credited / Check mishandled Complaint description : A check in the amount of {$1000.00} USD, payable to me ( XXXX ), was issued by my employer. 

The check was mistakenly deposited into another Citi account that did not belong to me. Citi immediately closed that account and classified the situation as fraud, even though this was clearly a deposit error / wrong payee issue. 

Since then : I have not received the funds. 
The issuing party has not been reimbursed. 
Citi claims the check was already deposited, preventing the check from being reissued or deposited correctly. 

Citi has provided no clear resolution, no written explanation, and continues to redirect us between departments. The funds are effectively being held by Citi, despite belonging to neither the bank nor the incorrect account holder. 

This is a misapplied deposit. The funds should be either : Returned to the issuing bank, or Made available to the correct payee so the check can be properly reissued or credited. 

I am requesting that Citi : Complete a formal investigation, Release the funds from any internal suspense account, and Provide a clear resolution so the money reaches the rightful party. 

Citis failure to resolve this issue has caused unnecessary financial harm and delays. 

In addition to returning or properly crediting the {$1000.00}, I am requesting reasonable compensation for the time lost, the stress caused, and the financial uncertainty created by Citis mishandling of this matter. I have acted in good faith throughout the process and should not bear the cost of a clear banking error.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This mortgage account is being reported on my credit file without proper validation. I have not been provided documentation verifying the loan details, balance, or accuracy of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Someone using a cash app account fraudulently set up a business account with my credentials. I was completely unaware of the existence of any Cash App Business account until I received a notification from the Internal Revenue Service ( IRS ). 

According to the IRS, this business account was created in XXXX and reported transactions during XXXX, XXXX, and XXXX of that year. The IRS documentation lists Square, Block, and Cash App as linked business entities. 

The transaction amounts were : XXXX {$140000.00} XXXX {$130000.00} XXXX {$4600.00}. 

I contacted Square in XX/XX/XXXX via email about this and they responded saying, " this is a matter involving cash app and to contact cash app and do not contact them ( Square ) again ''. I also contacted Cash App, and I have not gotten resolution. This has been going on for XXXX XXXXXXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Re : Portfolio Recovery Associates , LLC Continued Credit Reporting Without Contract Verification Dear Sir or Madam, I am submitting this formal complaint against Portfolio Recovery Associates , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Portfolio Recovery Associates is reporting a collection account on my consumer credit reports. I timely disputed this account and formally requested validation, including a copy of the original signed contract or other documentation establishing that I entered into a legally enforceable agreement for the alleged debt. 

Portfolio Recovery Associates has explicitly stated that it can not provide a signed contract or original agreement bearing my signature. Despite this admission, the company has refused to cease collection activity and continues to furnish negative information to the consumer reporting agencies. They have also sued me but can not provide through interrogatories or any other means what is required by our county as proof I owe this debt.

Additionally, I sent written disputes directly to each credit reporting agency, notifying them that the debt collector is unable to provide contractual proof of liability. Despite these notices, the account continues to be reported without proper verification. 

This conduct constitutes, but is not limited to, the following violations : FDCPA 809 ( b ) Continuing collection activity after failing to provide proper validation FDCPA 807 Misrepresentation of the legal status of a debt FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate or unverifiable FCRA 623 ( b ) Failure to conduct a reasonable investigation after receiving notice of dispute.

I have disputed this information twice with each agency and Portfolio Recovery Associates , LLC, I have all of the documentation as well as letters to their attorney and signed delivery notifications. 

A debt collector that can not produce evidence of a contractual obligation has no legal basis to continue reporting the account as owed. Continuing to report such information is misleading, harmful, and unlawful. 

The attorney name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, Ca XXXX I respectfully request that your office : Investigate Portfolio Recovery Associates collection and reporting practices as well as the XXXX XXXX XXXX XXXX XXXX XXXX. 

Require deletion of the account from all consumer reporting agencies and to drop the law suit if possible. 

Take appropriate enforcement action to prevent further violations I am prepared to provide copies of my dispute letters, the law suit from XXXX XXXX XXXX with their responses, Portfolio Recovery Associates responses, and current credit report entries upon request. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I opened a Capital One credit card in XX/XX/XXXX with a promotional 0 % APR offer and no annual fee. XXXX was enabled at the time of account opening, and the minimum payment was successfully paid on time each month. In XX/XX/XXXX, an interest charge of approximately {$44.00} appeared on the account. I contacted Capital One customer service by phone to request a review and reversal of the charge, explaining that payments were made on time and that I believed the transaction activity was covered under the 0 % XXXX XXXX. Capital One confirmed the charge but stated that it could not be reversed. I am requesting a written explanation of the charge and a review of whether the interest was assessed consistently with the promotional terms that were presented at account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: CA

Complaint narrative:
I lost my packet they say they sending it again " This bank is out of line I made a claim for dollars due to the XXXX or XXXX dollars these internet scams pop up all the time .. and when I tell you I know, this is how its done they didn't look at the charges on my statement for XXXX purchase and then XXXX credit in the past I have made these little purchases for a dollar and soon as the next bill date they charging you usually XXXX or over and I show it to the bank and clearly they credit the account ( go thru my account and see past internet scamms although on my XXXX  some one took out XXXX and I had my card the entire time from a ATM they immediately credit my account.... these people handling my claim DO not Know what they are doing I want to see their credentials they think they can take my money out my account and pay whatever thay think I should pay ( not to any purchase I made but ) but directly to the internet scammers... they can not touch my money like this I called when it first happened I told the bank DO NOT PAY THAT BILL I DID NOT MAKE THAT PURCHASE... it was pending and XXXX XXXX says oh no we gon na pay it and you gon na pay it ... then dispute it,.... the bank showed me some paper work the XXXX XXXX sent but it was not nothing no proof I got or ordered anything from them. even if they did I did not make no XXXX dollar purchase., ,I cant afford it I ain't on the internet like that,, they have everything they need to show some fraud evidence they made up they can't show no confirmation of reciepts they don't have no signature I sign for nothing nothing delivered like I said they don't have proof, like I said they can not properly show any legit or legal receipts they don't exist XXXX XXXXXXXX XXXX XXXX dialog or nothing y it ca, it's fake I didn't purchase nothing from these people they charge my XXXX XXXX but It don't paid it gets declined every month. tell these idiots they can look at it XXXX more times they are refusing to give my money back they can not get ia a contract between me and any internet store if I don't want to pay something the bank can't force me to pay it so they cant decide to pay it themselves, ... I need my money and then I'm gon na get paper checks and change banks I hate this bank they rude and tgety hang up on you leave you on hold for hour PLEASE GET MY MONEY FOR ME. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX owed me {$65.00} to my Citi card for failure to set up an account and port my phone number. I originally filed a dispute with Citi. Citi wasn't resolving the investigation because XXXXXXXX XXXX bank was not responding because I was told they are just a processing center and therefore would not respond. XXXX reps suggested that I wirhdraw the dispute with Citi so they could refund me. So, I did that. But, then XXXX later stated they could not refund me because Citi put their chargeback money into a holding account which they can not access. Then I tried to reopen the dispute with Citi and was told they can not reopen it. So, as of now, Citi has my {$65.00} owed to me by XXXX and XXXX XXXX  {$65.00} in chargeback money. The disputes department is refusing to refund me and XXXX. I need and want my money back. I am tired of this situation. I have filed complaints with the XXXX, FCC, AZ Office of Inspector General and been in touch with XXXX and sending emails to Citi disputes department with no resolution to date. This has been going on for months now. I need Citi to give me my money or Citi to give XXXX their chargeback money currently in a holding account the Citi rep said so XXXX can refund me. I'm beginning to hate Citi too like I do XXXX. It's making me want to payoff my bill and close my accounts with Citi with Best Buy and Citi XXXX XXXX XXXX. I'm over both XXXX and Citi.

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 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am disputing the account from CREDENCE RESOURCE MANAGEMENT ( {$170.00} ). I have no record of this debt, nor have I ever entered into a contract with this collection agency. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt. Specifically, I am challenging the 'Original Creditor ' information and the accuracy of the balance. If Credence can not provide the original signed contract and a complete, itemized ledger of this debt within the 30-day legal window, this unverified and derogatory entry must be permanently deleted from my XXXX  report .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: OK

Complaint narrative:
I spent 2 days in the hospital, XXXXXXXX XXXX  at XXXX XXXX XXXX XXXX XXXX My out of pocket was over {$1600.00}. I made payments directly to the hospital and paid down my balance, but was not paying it fast enough for them, they turned me over to collections. My debt was picked up by XXXX XXXX XXXX. I began making payments to XXXX in XXXX. On XX/XX/XXXXXXXX  I received a letter along with my most recent check/payment that stated " the account had been cancelled. No further communication was received from XXXX XXXX or XXXX. 

In XX/XX/XXXXXXXX  I started getting text messages from XXXX regarding this debt. The text messages looks very sketchy and the number they referenced was not even listed on their website. I had never received anything in the mail from XXXX and still haven't to this day. In fact their website stated that if you receive a text about an outstanding debt, but never received anything in the mail it is likely a scam or fraud. I chose to ignore/block the texts. 

I XX/XX/XXXX XXXX turned reported the credit bureaus as an outstanding unpaid debt, my credit score dropped XXXX points. I don't disagree that I owed the money, but there was no communication other than their sketchy text messages that at the time I was not sure they were legitimate. In order to get this off my credit I had to pay some down and make payments arrangements. This has caused a significant hardship on my family and the poor communication from XXXX is unacceptable. I don't expect that there is anything you can do regarding the debt, but I would like to see XXXX XXXX held accountable for how they handle this issue. 

Thank you for your time. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 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: CA

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 non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
Debt Validation Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Credit Collection Servic Account XXXX I am formally disputing this account under the Fair Credit Reporting Act ( 15 USC 1681 ) and the Fair Debt Collection Practices Act ( 15 USC 1692 ). 
Provide full validation including the original signed contract, complete payment history, chain of title, proof of authority to collect, and proof the balance is accurate. 
Failure to validate requires deletion from all credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I purchased a puppy from the XXXX located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I purchased the puppy for XXXX using the XXXX XXXX XXXX XXXX  card bank. That's what I was told or baited in with. I was told that I would have to pay {$88.00} dollars a month with no interest charges for a number of month but then when I received my monthly bill Comenity XXXX XXXX  switched it to a higher monthly amount that I had no knowledge of, did not approve of, nor did I agree to it or sign for it not knowingly, that's why it's important to get the collaborating audio, secruity camera video, and the documentation showing that I was clearly told about the higher monthly amount, and to show that I clearly had knowledge of it before the final sales, and who told me and at what time, I need a time line. nor did I agree to any post sales. They also did the same thing with XXXX separate bait and switch letters that they sent to me the first letter says while this is being disputed we will credit it ever month to see if there is an error on our part, but then I received another letter saying you closed this account and we want our money, and until we get ever dime of this money or we will report this to the XXXX credit bureaus they are trying to use bait and switch scare tactics to try to force me to pay the XXXX while this is in dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I have been receiving texts messages from XXXX stating that I owe on a credit card that has a XXXX balance on. When I called the credit card company ( XXXX XXXX ) they told me that I owed nothing and it is a scam but I am receiving these messages and emails 1-2 times a week. the email they provide is portal.halsted-financial.com/S/MSCT/B. phone number is XXXX. I block every single text and e-mail, but still get the messages. I also received a reimbursement check from XXXX One-which I was not owed-I call XXXX XXXX who stated that they did not send a reimbursement check out to me.

Company response to consumer: Closed with explanation