vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Company Name : Ability Recovery Services , LLC Original Creditor : XXXX XXXX XXXX Account Number : there is none to provide because its not on my credit report when reporting as a collection Reported Balance : {$640.00} Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Nature of Complaint I am disputing the above account because it is being falsely reported and illegally collected. This account has multiple material inaccuracies that violate federal law and Metro 2 credit reporting standards. 

Specifically : XXXX. Missing Date of First Delinquency ( DOFD ) Metro 2 rules require XXXX for accurate credit reporting. Without it, the account is materially misleading. 

XXXX. No Verifiable Payment History The account is reported as unpaid with no prior payment history documented. This violates FCRA 1681e ( b ).

3. Ongoing Furnishing During Dispute The account is marked Consumer Disputes Reinvestigation In Progress, yet continues to be reported as delinquent, violating FCRA 1681s-2 ( b ). 

XXXX. Collection Reporting of Non-Curable Account Reporting this debt in its current state falsely implies it is enforceable and collectible. This misrepresentation violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and Metro 2 standards. 

XXXX. Medical Debt Misclassification The account is a medical debt but is reported in a manner that misrepresents the account type, amount, and status. Metro 2 rules require accurate medical debt classification to prevent misleading credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX. Requested Resolution Due to the non-curable nature of these violations, I request that the CFPB : XXXX. Require Ability Recovery Services , LLC to delete this account immediately from all three major credit bureaus ( XXXX XXXX XXXX ). 
XXXX. Prevent further furnishing of inaccurate or misleading information. 
XXXX. Confirm that no collection activity or reporting of this account may continue unless all reporting is fully verified and compliant with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX. Additional Notes This letter does not acknowledge or admit any liability for the alleged debt. The account, as reported, is materially inaccurate, misleading, and non-curable without deletion. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
False advertisement On XX/XX/year> I used Capital one Shopping offers XXXXXXXX XXXX XXXX back and booked XXXX night in XXXX XXXX XXXX ( Booking ID XXXX ) Before Tax total : USD XXXX XXXX XXXX in XXXX XXXX XXXX Booking ID XXXX ) Before Tax total : USD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Booking ID XXXX ) Before Tax total : USD XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Booking ID XXXX XXXX Before Tax total XXXX XXXX XXXX  I used to book XXXX XXXX XXXX, I DID NOT have any addons or browser extentions like XXXX XXXX  or XXXX  ) It was clean browser like it came from the factory. 

I also read all the fine print it has no restrictions on how to use the offer only it says it can take up to 45 days. However 45 days have passed and I received NOTHING. 

I need Capital One to honor them advertisement for XXXX! It was front page deal on XX/XX/year>! 

According to this offer I must receive back XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Which comes up to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
I am disputing this collection account because I do not recognize this debt and have never received proper validation showing that I am legally responsible for it. 

Vance & Huffman LLC is reporting a collection account for {$2300.00} allegedly related to XXXX XXXX. 
I have never been provided with a copy of a signed agreement, an itemized accounting of the balance, or documentation proving a valid contractual relationship with XXXX XXXX. 

Without proper validation, continued reporting and collection of this account is inaccurate and misleading and violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting a full investigation and removal of this account from my credit report unless proper legal validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I reached out to best egg formerly requesting to have my XXXX XXXX XXXXXXXX XXXX XXXX benefits applied to my previously paid off loan. They said that the account doesnt qualify for the XXXX because it wasnt used to purchase goods or services. But both XXXX  and federal law states all debts be capped at 6 % including all obligations and liabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for restricting my account without explanation and ignoring my emails for over a week. 
On XX/XX/year>, I purchased {$1700.00} worth of Bitcoin, and on XX/XX/year>, I purchased an additional {$5000.00} worth of Bitcoin. Shortly after, around XX/XX/XXXX, my account was restricted, blocking access to my funds and transactions. I emailed their support on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ], but have received no response or update. 
This lack of communication violates consumer protection standards for transparency and timely support. I can provide email copies and screenshots as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I deposited a check and a hold was put on it because they considered it fraudulent when it wasn't and they went as far as to lock me out of my online account took my money that I had in the account and when I asked for my check back to cash it elsewhere they said that was impossible so now I'm in a situation to where my bills are going to be late XXXXPNC bank is the worse XXXX XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/XXXX XXXX XXXX sent a XXXX payment to my XXXX account after she hacked into my old XXXX account. She then opened a XXXX open card.

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 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I OPENED BUSINESS CHECKING AND MERCHANT SERVICES WITH CHASE BANK. I CHARGED MY CLIENTS CARDS FOR SERVICE I PROVIDED AND THERE WERE NO ANY DISPUTES OR COMPLAINTS, BUT CHASE BANK DISCRIMINATED ME AND PUT HOLD ON MY FUNDS FOR NO REASON AND ALSO FREEZED MY CHASE BUSINESS CHECKING ACCOUNT WITH BALANCE OF {$12000.00} AND IS NOT RELEASING MY FUNDS. BECAUSE OF THIS MY BUSINESS STOPED WORKING. THIS IS TOTAL DISCRIMINATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: TN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: FL

Complaint narrative:
Complaint Against : Zions Debt Holdings Account/Tradeline : XXXX ( XXXX  ) I am filing this complaint because Zions Debt Holdings is reporting a debt on my XXXX  credit report that they have failed to validate. 
I sent Zions Debt Holdings a written dispute and request for debt validation regarding account XXXX XXXX. It has been well over 30 days, and they have not responded or provided any documentation proving that this debt is valid or that they have the legal right to collect it. 
To be clearI have never had an account with Zions Debt Holdings I am not their customer I never signed any contract or agreement with them Despite this, they continue reporting the account on my credit report without providing verification.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
PayPal placed my account into a collateral hold, making my balance inaccessible. An amount of {$3400.00} XXXX  is currently being held and marked as Not available yet. These funds have been inaccessible for approximately 23 months with no stated release date.

The account also shows a negative balance of {$660.00} USD, but PayPal has not confirmed whether settling this negative balance would result in release of the {$3400.00} XXXX  currently being held. I have attempted multiple times to contact customer support to obtain written clarification on the conditions or timeline for release of the funds, but no response or escalation path has been provided. 

I have no active disputes and no clear explanation of why the funds remain on hold or how the collateral can be redeemed. As a result, {$3400.00} XXXX  remains inaccessible indefinitely, and the account can not be closed due to outstanding collateral, with no appeal mechanism or written determination from PayPal Risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX, SoFi restricted my checking account after sending me an email claiming there was irregular activity. A few days before the email, I noticed my account had already been restricted, and I could not transfer any funds. I immediately began calling SoFi and, over the following months, spoke with multiple representatives. I verified my identity several times and explained that the phone number on the account belonged to my daughter because my U.S. phone number was inactive when I opened the account. Other than that, all activity on my account was normal.

Despite repeated calls and successful verifications, SoFi refused to lift the restriction. Instead, on XX/XX/XXXX, they closed my account without my consent. 

On XX/XX/XXXX, I emailed SoFi requesting the release of the {$6000.00} in the account. SoFi responded that they would return the money to the originating account. I asked for proof of the return and clarification on how the money would be sent ( electronically or by cashiers check ), but SoFi did not provide any documentation. 

On XX/XX/XXXX, SoFi stated that they had returned the funds to XXXX XXXX  but claimed that the account was closed. This does not make sense because the XXXX of the external account reached out to the bank, and the bank stated that they did not receive the money. 

On XX/XX/XXXX, SoFi provided a return trace number : XXXX. I contacted XXXX and gave them this trace number, but XXXX confirmed they never received any returned funds and saw no transaction with that trace number. 

Since XX/XX/XXXX, I have made numerous calls and sent multiple emails ( all documented ), yet SoFi has still not returned my money. My {$6000.00} is currently in limbo with no clear explanation.

I am requesting that SoFi immediately locate and release my funds by either : 1. Issuing a cashiers check to the address on file, or 2. Returning the funds to the original external XXXX account from which the transfer was sent. 

I simply want my money returned. SoFi has delayed and failed to resolve this matter for more than a year now!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
There was an unauthorized transaction on my card for the amount of {$1500.00}. That was not done by me or authorized by me.. I disputed the transaction and they gave me temporary funds and then they reversed it again and took the money back which caused my account to be overdrawn so my next paycheck got deposited was completely taken and it was still overdrawn. This has been an ongoing issue for me. I just submitted additional information on the claim. The claim number is XXXX.. I want my refund returned to me. I am requesting full reimbursement because the transaction resulted from theft and unauthorized access. I did not approve the transaction and did not benefit from it and have been financially harmed by the reversal and overdraft. My capital one card was misused by someone else to withdraw {$1500.00} to their XXXX XXXX account. I did not have access to that XXXX XXXX  account any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I send money via western union to my brother Inlaw on the XXXX th of XXXX. Western union didnt pay him, claimed money was on hold. So I called western union and asked Why and they said its my bank, XXXX XXXX. The next day I called western union to refund me and they claimed to have processed the refund buXXXX XXXX XXXX has cash the transfer and they have refused to deposit in my account. I have been calling XXXX  and western since XXXX of XXXX but they cant explain to me what happened and they didnt credit me since then

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the collection account being reported by Spring Oaks Capital LLC on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

After reviewing my credit report, I have determined that this collection account is inaccurate, incomplete, misleading, and/or not properly verified. I am requesting a full reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ).

Please note the following legal requirements : - FCRA 607 ( b ) requires consumer reporting agencies to ensure maximum possible accuracy of information reported.

- FCRA 611 ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation of disputed information.

- FCRA 611 ( a ) ( 5 ) requires deletion of information that can not be verified.

- FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate.

- FDCPA 809 ( a ) - ( b ) requires debt collectors to provide proper validation and proof of legal authority to collect or report an alleged debt.

I am requesting strict proof of this account, including but not limited to : 1. Documentation proving I have a legal obligation to pay this alleged debt.

2. The name and account number of the original creditor.

3. A complete chain of title showing Spring Oaks Capital LLCs legal ownership of the alleged debt.

4. The date of first delinquency, as required for lawful reporting.

5. Copies of any contracts, applications, or billing statements bearing my signature. 
XXXX. Proof that Spring Oaks Capital LLC is authorized to collect and report this debt in my state. 

If Spring Oaks Capital LLC can not provide competent evidence that this account is accurate, legally enforceable, and properly reported, you are required by law to delete this account from my credit file immediately. 

This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is a formal request for verification and compliance with federal consumer protection laws. 

Please complete your reinvestigation and provide written confirmation of the results within the timeframe required by law. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX Report Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX My Cash App account was closed. upon reading the terms service I discovered I didnt violate any terms. I have been using my account respectful and legally for over 5 years. I am requesting an internal investigation be done in hopes my account will be restored so I can resume by business. My account has been wrongly closed please look into this matter thank you. My Cash App tag is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am filing a formal complaint against Bridgecrest regarding improper servicing, misleading collection practices, and a threatened repossession of my vehicle. 

Bridgecrest has accepted multiple partial payments from me during a documented period of financial hardship. Despite accepting these payments, a Bridgecrest representative ( XXXX ) advised me that : My account is allegedly {$2100.00} past due Bridgecrest will not accept any payment less than {$360.00} My vehicle will be repossessed if {$360.00} is not paid by XX/XX/XXXX Bridgecrest allegedly automatically closes or charges off accounts at 120 days past due When I stated I may voluntarily surrender the vehicle due to their refusal to work with me, the representative responded that a lot of people lost their jobs last year and said nothing could be done These statements are contradictory and misleading. If the account is truly {$2100.00} past due, it is unclear how {$360.00} prevents repossession only until a specific date. Additionally, Bridgecrest continued accepting payments without issuing clear written notice of acceleration or reinstatement of strict enforcement. 
I made XXXX payments in XXXX within Bridgecrest app it said to pay {$55.00} to avoid repossession then another XXXX weeks later the same message appeared. I received a collection call on XX/XX/26 from representative demanding payment of {$360.00} on or before XX/XX/26 they can not accept any no longer accept payments lesser than that amount and vehicle will be charged off and closed after 120 days. They have already reported my account 60 days past due while accepting payments within the time frame they considered past due. They accepted payment and still reported account late the same month. 

I have formally disputed the account in writing and requested : A full payment history A detailed accounting of the alleged past-due balance Copies of any notice of default, acceleration, or intent to repossess Despite this, Bridgecrest has XXXX repossession by XX/XX/XXXX while the dispute remains unresolved. 

The vehicle remains in my possession. No voluntary surrender has occurred. 

I am requesting the CFPBs assistance in requiring Bridgecrest to : Cease repossession activity during the dispute Provide accurate accounting and documentation Correct any misleading or inaccurate servicing practices Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have multiple old and inaccurate accounts on my credit report. That's keeping me from movina forward from obtaining credit. I have disputed an asked for writing verification and have not received it on none of the inaccurate accounts and all accounts and bad standings i am demanding for these counts to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
No reply first letter was send out on XX/XX/26 with : I dispute the reporting of the alleged collection account you claim to own. Under FCRA 623 and FDCPA, you are required to demonstrate legal ownership and a complete chain of title. 



Absent such proof, continued reporting violates federal law and applicable case precedent including XXXX XXXX XXXX, XXXX. 



If documentation can not be produced, this account must be deleted immediately. 

Second letter send will be uploaded here

Company response to consumer: Closed with explanation