vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back in XX/XX/year>2021 I applied for a secured credit card from CitiBank. I opened the account with {$500.00} that I initially paid upfront. I was let go from my job around XX/XX/scrub> 2021 due to XXXX cuts. At this time, I probably had spent {$310.00} from the secured credit card. I called CitiBank in XX/XX/year>2021 to let them know that due to my loss of employment, to please take what I owed directly from the secured card. I was told they would do it and I never touched that card again. Maybe around XXXX months later, I get a letter from CitiBank stating that I owe them over {$500.00} due to interest and non-payment accrued on the card. I have spoken with them plenty of times of my conversation with them in XXXX of 2021 and they state they have " no recollection of that call ''. They sent me a final statement and nearly over {$400.00} are just fees that they added themselves. This has heavily impacted my credit and I refuse to pay their scammy predatory fees. They refuse to give me the full account number or credit card number. I only have the first XXXX digits of the account number.

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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The information that I reported wasn't a duplicate complaint There is so me illegal activity within this corporation and you failed to expose it and to fix the situation so thats why Im seeking legal representation due to this matter it keeps occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
.My complaint is with First National Bank of Omaho ( FNBO ). I have asked on many occassions to not store my method of credit card payment. I have recordings of a FNBO rep telling me that there is no store method of payment. Test it the next day by trying to make a payment and it was still stored.I have no problem entering the account information each time. Since FNBO is a financial institution, they are more likely to be hacked. I'm asking not to store my method of payment which is every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A fair resolution to this issue is the immediate and permanent deletion of the Capital One charge-off account from my credit report, including all associated negative information such as late payments, balance history, and charge-off status. This account should also be fully blocked under the identity theft provisions of the Fair Credit Reporting Act, specifically 15 U.S.C. XXXX, to prevent any future reinsertion or reporting. Additionally, I request written confirmation that this account has been removed and an updated copy of my credit report reflecting these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is a formal supplement connecting XXXX active CFPB complaints against Bank of America XXXX through XXXX to the newly filed CFPB complaint against XXXX XXXX Bank XXXX XXXX XXXX filed XX/XX/XXXX 2026. : Which entity is contractually responsible for the {$200000.00} loss resulting from a foreclosure based on a void assignment : The Trustee who filed the fraudulent document ( BofA ), or the Master Servicer who failed to audit the chain of title ( XXXX XXXX ) under XXXX XXXX XXXXXX/XX/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 2026-03-26 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: FL

Complaint narrative:
I am filing this complaint against multiple debt collection agencies for what appears to be a clear pattern of unlawful collection practices and credit reporting violations under the FDCPA and FCRA. I formally disputed these alleged debts and requested validation under 15 U.S.C. XXXXg, yet the companies failed to provide any legally sufficient proof that I owe these debtsno signed agreement, no chain of title, no valid assignment, and no proper accounting of the balances. Despite this, they continue attempting to collect and/or report this information without verification. This is not a minor oversightit is a direct violation of federal law, including 15 U.S.C. XXXX, XXXX, XXXX, and XXXX, as well as 15 U.S.C. XXXX, XXXX ( b ), and XXXX. Their actions show a blatant disregard for legal requirements and my rights as a consumer. Reporting unverified and inaccurate information while pursuing collection activity is unacceptable and exposes them to serious civil liability. This behavior strongly suggests a pattern of willful noncompliance that must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: OR

Complaint narrative:
Yesterday, myXX/XX/XXXX balance hit XXXX. My account reached XXXX because my family and friends sent me money viaXX/XX/XXXX to avoid eviction ( to pay rent ). My account reached a balance of XXXX the day before the money was due. XX/XX/XXXX suspended my account and won't let me transfer my funds to my unique bank account. Because of this I now have to go to court and beg for a stay, so I don't have to get evicted. I have the money, because of XX/XX/XXXX I can not access it. XX/XX/XXXX has completely taken control of my money and solution to eviction. Customer Service was no help. We spoke with XXXX XXXX. She gave me a timeline of XXXX business days for a resolution, but I've read that they often can take longer. She said there was nobody that could contacted to help expedite the process and that I have exhausted all of my options. I am concerned that XX/XX/XXXX is not going to let me withdraw my money in a timely manner, which could literally lead to my eviction. I just needXX/XX/XXXX to let me withdraw my money. I have verified my identity with them and their terms of service state that -- after identity confirmation -- I can transfer over XXXX to my account. I haven't violated their Terms of Service, so why am I being punished?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Validation of Debt Request - TRUEACCORD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 th

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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The financial information within my profile reflects deficiencies in documentation and incomplete reporting that weaken its trustworthiness, and I respectfully request evaluation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NV

Complaint narrative:
This agency continues to contact me, other people in my family and those that have a similar last name but are not related to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I never resived debt notice or being sued and proved it in court to get motion overturned in XXXX of 2025. I communicated to law office I was unaware of my rights and requested a validation request because there were major concerns of identity attribution or identity theft. Later proven true with evidence. Law office pushed for adjournment and summary judgment immediately after my validation request sent certified mail. I also included in validation that I was a wear of the CFPB consent order and included file number. The did not respond to my request 's letters of XXXX letters sent. I have attached a snapshot for review. This is more information I can share if needed. I had prepared for trial to address my findings and summary judgment was issued XX/XX/XXXX days before trial. I included timeline of everything. If you need more information pls reach out. Ill share the full trail packet that was prepared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA OPTED TO END BANKING RELATIONSHIP WITH MYSELF. CONTINUES TO E-MAIL MYSELF.BANK OF AMERICA OWES MILLIONS ON PROPERTY XXXX XXXX XXXX XXXX XXXX CALIFORNIA.BANKOFAMERICA PAYS ALMOST NO INTEREST ON CHECKING ACCOUNT XXXX WANT CREDIT CARD ACCOUNT CLOSED ASAP.

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 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing a complaint against American Express regarding their High Yield Savings Account ( XXXX ). My account has been restricted XXXX I can view my account and balance, but I am completely unable to transfer or withdraw any funds. XXXX Incident : On XX/XX/year>, upon opening my XXXX and depositing approximately {$600.00}, American Express immediately restricted my account and demanded additional verification, including bank statements from my linked external bank. This was despite linking my external bank through XXXX, their own chosen verification platform. The restriction lasted XXXX days, not being resolved until XX/XX/year> despite representatives repeatedly telling me the process would take a maximum of XXXX business days. I called over XXXX times during this period and was given the same scripted response each time with no resolution or escalation. XXXX Incident : On XX/XX/year>, after resuming normal use of my account, I attempted to move funds. My balance had grown to approximately {$1500.00}. American Express once again restricted my entire account using the same " additional verification '' demand. As of today, it has been XXXX business days I can see my {$1500.00} but can not transfer or withdraw it. Based on the first incident taking XXXX days despite a promised XXXXday maximum, I have no confidence this will be resolved within their stated timeframe. This restriction appears to be triggered every time I attempt to move any amount over approximately {$50.00}, suggesting either a deliberately predatory threshold or a broken verification system. American Express allows deposits freely but restricts withdrawals and transfers, effectively trapping consumer funds. American Express representatives stated the verification process would take a maximum of XXXX business days. The first incident took XXXX days over XXXX times longer than promised. This is a clear misrepresentation of their own processes. I am a student, and this {$1500.00} represents a significant portion of my available funds. This restriction is directly preventing me from paying a medical bill. As a student with limited income, I do not have alternative funds to draw from while my money is held XXXX behind a redundant, broken verification process. I called over XXXX times with no meaningful response. Every day my funds remain frozen causes additional financial stress and risks late fees or collections on my medical obligations. I believe this constitutes an unfair, deceptive, or abusive act or practice ( XXXX ), misrepresentation of service timelines, and unfair restriction of access to consumer deposits. I am requesting immediate restoration of full access to my funds, a formal written explanation, and assurance this will not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
In XX/XX/year>2024, I moved out of my apartment and was informed by the leasing office that my early termination balance would be placed on a XXXXmonth payment plan. This agreement was communicated verbally by a leasing representative XXXX XXXX XXXX ), who is no longer employed at the property. However, this payment plan was never set up or honored. Within approximately XXXX month, the full balance was reported as due and sent to collections, without any prior written notice that the payment plan would not be implemented or that the account would be accelerated. I did receive a move-out statement and lease documentation from the collection agency after I requested it but there was no written documentation provided regarding the cancellation or denial of the agreed payment plan with the apartment. Since then, the account has been placed with a collections agency ( XXXX ). I attempted to resolve the matter by negotiating a settlement. Initially, I was quoted approximately {$3400.00} at the start of this year but because of financial issues my payment failed and I had given them prior notice that it would fail and give me an additional week, they confirmed it would be fine and they would retry it which the collection agency never did. After which i called them back in XXXX and they quoted {$4200.00}, then shortly after a day, the amount was increased to over {$5200.00}, and the agency has been unwilling to provide a consistent or reasonable settlement option. I believe the situation is unfair because : A payment plan was agreed upon but never implemented The balance was sent to collections prematurely The collection amount has been inconsistent and increased without clear justification I have made efforts to resolve the issue in good faith but have not been able to reach a fair resolution to at-least resolve this for 50 % of the amount which the collection agency offers as per their email communications to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
A years worth of claims approximately XXXX to XXXX claims provisional credits Outcomes, communications chargebacks, and why the investigation leaned up on the merchants opinion. Each Claim has evidence of police reports, stolen identity kits, and information that would only lead that proof of identity was breached. Accounts I was charged for, but were not in my name or under my Social Security number. As of now I have no telephone Internet Wi-Fi or no communication with the outside world since the 2017 breach from experience has left me completely financially broken the ongoing disputes with XXXX where they have told me I had no account no evidence of any orders and in the same sentence state that we cant find that order on your account. The whole year has been without contact up until the last XXXX XXXX where they have demanding to know my name my fund my address, my Social Security number where I liveat this point I am not gon na share anything until I know that my identity is emails from this companies. when I reach out and play hardball, they start pulling me back into the never-ending loop. Ive been gaslit like to and then only to make up accounts where they use my name XXXX XXXX app XXXX XXXX to begin pulling money out of my accounts. Im questioning these companies. They will not take accountability when I tell them these charges are not mine and question whether the account was really opened legally in my name. The provisional credits have been hundreds and thousands and thousands of dollars I want to know within XXXX days they take it back and its a vicious cycle that never ends. Now, Im left without anything and wish I had paid more attention to myself. As a nurse, retired then cared for my parents up until death. Now, Im busy burying my parents.

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 2026-03-26 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: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have over 24 credit cards, and capital one is the only credit card company that has ever reported me late on more then 5 occasions. For exmple, they have reported me late at lease 4 or 5 time 30 days late, and 60 late one time. This is simply impossible. Most if not all credit card company will call or text at lease one or two weeks if you are late. All my other credit cards all show paid on time, never late. All of them. I believe this is fraud, and they did this to justify charging me late frees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I disputed this account and requested debt validation. Midland Credit Management did not provide sufficient documentation to verify the debt, such as full account statements or proof of ownership. Despite this, they continue to report the account monthly to the credit bureaus as a collection. I previously disputed this with XX/XX/XXXX and it was marked as verified without proper validation. The continued reporting of this account is inaccurate and not properly substantiated.

Company response to consumer: Closed with explanation