vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 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: NV

Complaint narrative:
I am formally disputing three collection accounts that have appeared on my credit report and do not belong to me. It is extremely frustrating and distressing to discover alleged debts that I have no knowledge of, that are unverified, and that I never incurred. Despite having no relationship with these accounts, I have been subjected to repeated harassment through various communication methods and even threats of legal action. This is unacceptable, deeply insulting as a law-abiding consumer, and a clear violation of my rights. The situation has taken a serious toll on my mental well-being and has caused ongoing XXXX  and sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
This complaint is not a duplicate of my prior CFPB submission. My earlier complaint addressed the merits of the disputed transaction itself. This complaint concerns a separate procedural issue : a confirmed classification error by USAA and the lack of written confirmation that the error has been corrected. I am not requesting reconsideration of the original dispute outcome. USAA incorrectly classified my debit card dispute as fraud rather than non-fraud / scam. A USAA representative has verbally confirmed to me that this misclassification occurred. To date, however, I have received no written confirmation that the dispute record has been corrected. On XX/XX/year>, I received another denial letter that appears to have been issued under the same incorrect fraud classification, further indicating that the classification error has not been corrected. 
The transactions totaling {$700.00} in question were authorized under false pretenses as part of a scam, not an unauthorized card use. This distinction is material because dispute classification directly affects the investigation framework and evaluation of evidence. There is no mechanism for me to submit written clarification or respond to USAA communications, leaving CFPB as my only avenue to ensure the accuracy of the dispute record. I am requesting correction and documentation of the dispute record only, not special treatment or re-litigation of the original dispute.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I opened a Robinhood credit card in XX/XX/XXXX, with the first statement issued on XX/XX/XXXX and payment for the balance of {$1300.00} due on XX/XX/XXXX. On XX/XX/XXXX, I issued a payment for {$1300.00} which was then reversed on XX/XX/XXXX without me being notified. This is all reflected on a statement issued on XX/XX/XXXX that covers XXXX, with a new balance of {$3800.00}. However, at the top of the statement, it shows that I had paid off the {$1300.00} balance. 

The next statement, issued on XX/XX/XXXX and stated as covering XXXX, shows many discrepancies and seems to include or duplicate some of these transactions from the prior statement. There is a payment returned charge of {$1300.00} on XX/XX/XXXX, an " adjustment '' of - {$1300.00} on XX/XX/XXXX, another " adjustment '' of {$1300.00} on XX/XX/XXXX, then again another adjustment of - {$1300.00} on XX/XX/XXXX that didn't post until XX/XX/XXXX. This statement also shows the payment I made of {$3800.00} on XX/XX/XXXX, followed by a payment reversal of the same amount that day. At this point, I had realized something was wrong but assumed I had made a mistake, so I issued another payment to cover my balance of {$3800.00} on XX/XX/XXXX, which was reflected on the statement. All activity after this point is not on a statement yet, but my transaction history and balance show no evidence of any of these payments or reversals. They were there before, but now I can't see any of them and it's clear that my payment of {$3800.00} was not applied. 

I have since issued another payment that does show in my account and is pending, as all the others were. 

My bank account shows no evidence of attempted transactions and this has never happened before. I would have expected Robinhood to notify me if there was an issue with my bank processing payments, but I have never been contacted in any form. During this time I have obviously been accruing fees and interest that just started showing on my last statement, which is what tipped me off that something is very wrong.

Yesterday, I reached out to support to resolve this issue. The only option is via text, and I have not heard anything back in over 24 hours. A brief XXXX search shows that other customers started reporting similar issues a year ago. At this point, I can not make any payments and I do not trust Robinhood to manage credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, Citibank froze my checking account within approximately XXXX minutes of receiving a {$2500.00} direct deposit from a company that had previously paid me {$840.00} on XX/XX/XXXX without issue. 
I am a small business owner who uses XXXX, a legitimate third-party payment processor, to receive client payments. In early XXXX, I deposited XXXX {$500.00} checks through XXXX from clients for services rendered. Citibank accepted XXXX of these deposits on XX/XX/XXXX and sent me confirmation. The next day, my account was frozen. 
Despite multiple phone calls, every representative refused to let me explain that XXXX is a legitimate payment processor. They dismissed me and would not transfer me to anyone who could review my documentation. 
I received conflicting information from representatives : Rep # XXXX said once my {$2500.00} direct deposit was verified, they would release my funds Rep # XXXX ( next day ) confirmed the money was there but said I must wait 60 days Citibank sent me a letter stating I violated the terms of your account per the client manual but provided NO explanation of what I allegedly did wrong, what evidence they have, or how to dispute their finding. 
I have documentation proving these were legitimate business payments : XXXX transaction records with client names, transaction IDs, and dates. The company that sent the {$2500.00} even called Citibank directly to verify the funds were legitimate. Citibank is still holding my money. 
Citibanks calls are recorded. Those recordings contain evidence of the false and conflicting information their representatives provided.

I request immediate release of my funds, a specific written explanation of what I allegedly did wrong, and review of the recorded calls.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
o Whom It May Concern, I am writing in response to your communication regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide validation of this debt.

Please provide the following information : Proof of Debt : The name and address of the original creditor and the original account number.

Verification of Amount : A complete itemized statement of the amount owed, including any interest or fees added since the last billing statement from the original creditor. 

Legal Authority : Documentation showing that you are legally authorized to collect this debt in my state.

Ownership History : Evidence that you own this debt or have been assigned the right to collect it.

If you fail to provide this validation within 30 days, you must cease all collection activities immediately. Furthermore, if this debt is reported to any credit bureaus, please ensure it is marked as " disputed. '' Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Bank of Americas handling of multiple fraud claims on my account totaling over {$110000.00}.

The transactions in question were unauthorized and occurred during a period in which I was hospitalized following the death of my only son. While I was hospitalized and incapacitated, all my phones and electronic devices, belonging to both my deceased son and me, were stolen. A police report was filed ( Report # XXXX ), and the responding officer has offered verification.

Despite submitting documentation supporting the theft, hospitalization, and my lack of access to my accounts, Bank of America closed the claims without fully considering the extraordinary circumstances and documented fraud.

I am requesting a executive-level reconsideration/ regulatory review to ensure that Bank of America conducts a thorough and fair reconsideration of my claims in accordance with consumer protection standards.

Thank you for your assistance in this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2026-01-23 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: The Receivable Management Services LLC
State: FL

Complaint narrative:
This collection account from XXXX XXXX for {$820.00} is inaccurate. 
The policy associated with this balance was canceled, and I was not properly notified of any remaining balance before the account was sent to collections. I did not receive a final bill or any written notice giving me the opportunity to resolve this amount prior to it being reported as a collection.

I dispute the validity of this debt and request verification, including documentation showing how the balance was calculated, proof that the policy was active during the period charged, and evidence that proper notice was provided before sending the account to collections.

Until this information is verified, I request that this collection be removed from my 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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XX/XX/year> I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about costumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: TN

Complaint narrative:
Beyond Finance is a terrible debt settlement agency that promised me to provide a lawyer for me in case of legal action from my creditors and not doing so, failing to properly negotiate with my creditors ( accepting the first amount offered by the creditor instead of negotiating ), letting lawsuits be filed against me, promising me documents that never arrive in my email inbox, and charging you for the displeasure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
NATIONAL is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL 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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, my account went negative due to automatic payments that posted and caused overdrafts. Wells Fargo sent me an email that day letting me know I needed to bring the account positive by XXXX XXXX XXXX XXXX to avoid overdraft fees. I live in XXXX XXXX, and although the email was sent earlier in the day, I did not see it until later that evening. As soon as I became aware of the issue, I immediately sent money the same day to cover the negative balance because I genuinely believed I was acting in time to avoid fees. However, due to the time zone cutoff and processing timing, the payment did not post before the deadline and XXXX overdraft fees were charged for a total of {$70.00}. I contacted customer service right away and explained the situation. I was not trying to dispute the policy. I was simply requesting a XXXX time goodwill refund or partial credit since the overdrafts were caused by automatic payments and I took action immediately after I noticed the email. I was told the fees could not be waived because I had already used my courtesy waiver previously. I understand banks have policies, but {$70.00} in fees feels excessive given that I made a same day payment and acted in good faith. I am requesting a goodwill refund of the {$70.00} in overdraft fees, or at least a partial credit.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. Engelhardt. V Gravens ( MO ) 281 SW715, 719 l presume that Proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I am an active-duty service member, and I have a checking account with XXXX XXXX XXXX On XX/XX/year>, I became aware that a negative balance of {$81.00} on my account was sent to collections. The collection agency, XXXX, reported the amount as {$100.00}, which is incorrect. 

I paid the full balance of {$100.00} on XX/XX/year>, and received payment confirmation number XXXX from XXXX. I requested that both XXXX XXXX  and the collection agency update the credit bureaus to reflect the paid balance or remove the collection entirely, but they refused, stating that XXXX does not apply to checking accounts. 

I also contacted XXXX to request a review of this account placement, citing my active-duty status and the fact that this is a military payroll account, but they stated they would not take further action. 

The collection was reported inaccurately and misrepresents the amount owed. I am requesting that the companies correct or remove the negative collection reporting to the credit bureaus to accurately reflect the full payment and the true balance owed.

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 2026-01-23 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: CA

Complaint narrative:
I have a prepaid giftcard my parents bought me a couple years ago. It should have {$150.00} on it. It is associated with the website XXXX XXXX XXXX Hundreds of people online have the same issue as me. The card doesn't work, and on the website it asks you to upload your photo ID and then the card will work. After uploading my photo ID, the card still doesn't work. Contacting them is useless, their phone number won't do anything to help. I attached the front and back of my gift card to this form. I've heard that this form is the only way to resolve the issue, I appreciate the 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 explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing this complaint regarding a disputed transaction with Bank of America from XXXX for {$300.00} on XX/XX/year>. Although the XXXX marked the package as 'delivered, ' I never received the items. I contacted XXXX customer service immediately, but they refused to help because of the delivery status. The bank failed to resolve this dispute within the timeframes mandated by Regulation E ( for debit ). By taking 5 months to reach a decision without providing permanent credit after XXXX days, the bank is in violation of federal consumer protection laws. A XXXX investigation period is unreasonable. I have provided supplemental evidence via fax on XX/XX/year> explaining that the 'delivered ' status was incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or around XX/XX/year>, Bank of America placed a hold of approximately USD XXXX on my XXXX  account following a risk review, despite having no prior chargebacks, disputes, fraud cases, or negative history with this or any other payment processor. 

The funds originated from legitimate business transactions related to XXXX XXXX XXXX  already delivered. Bank of America blocked settlement of the funds without prior notice and refused to either release the funds or process refunds to customers, creating a severe cash flow disruption for my XXXX XXXX. 

I repeatedly requested a clear explanation of the specific risk findings, the legal or contractual basis for retaining the funds, and a concrete release timeline. The bank failed to provide meaningful answers and instead stated the funds could be held for up to six months.

This arbitrary action has caused material harm to my XXXX XXXX, limiting my ability to operate, meet obligations, and continue normal commercial activity, despite my clean XXXX  history and full cooperation.

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 2026-01-23 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: NV

Complaint narrative:
I am disputing two collection accounts that are being reported on my credit file which I do not recognize and never authorized. Waking up to debts that are unverified and do not belong to me has been both frustrating and overwhelming. I have been repeatedly contacted across multiple platforms and subjected to aggressive collection tactics, including threats of legal action. This treatment is completely unacceptable and constitutes a blatant violation of my rights as a consumer. The ongoing stress has significantly affected my peace of mind and sleep.

Company response to consumer: Closed with explanation