vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 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: AL

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint : I disputed a Capital One account appearing on my credit report. Despite multiple disputes, Capital One has failed to conduct a reasonable investigation and continues to send identical letters requesting unnecessary personal information. At the same time, a thirdparty collector ( XXXX XXXX XXXX / XXXX XXXX ) is attempting to collect the same debt. This creates inconsistent reporting and suggests Capital One is not properly investigating disputes as required under the FCRA. Requested Resolution : Deletion of the account from my credit report due to failure to conduct a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
My mortgage is with Dime Community Bank XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX sold my mortgage to Dime. When I have the opportunity, I make payments to principal trying to pay off the loan sooner. Once I make the payment to principal, I request a current/updated amortization schedule. The website does not have the option to request it, the app has some tools that shows the changes with reducing time ( payments ) but the tools do not generate a document to print. I called customer service in XX/XX/XXXX after I made a payment to principal requesting an updated amortization schedule reflecting the payment, they told me it will take 3 days to be generated and XXXX business days to mail it out. I received the document in XXXX after calling several times, but it was not an updated amortization schedule. I made another payment in XX/XX/XXXX, and I called again requesting the document, after a couple of weeks of not receiving it, I talked to the supervisor, and he told me they will charge me {$15.00} for the document, i agreed to the fee and still i did not received it, i called again on XXXX and today, not sent yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NY

Complaint narrative:
My aunt used my SSN without my consent so request that contract was without my consent so I would like that contract without my consent don't get forward to collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE 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 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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX called saying he was from Bank of America and asked if we have our credit card in our possession. XXXX said there was some fraudulent charge. He would send us a text message and told husband to tap on the yes. This authorized him to wire transfer {$9400.00} twice, with {$370.00}. Transfer fees 2 times. We did not authorize this transfer, like B of A said we did. It was transferred into a XXXX XXXX XXXX, per our XXXX credit card statement. B of A denied our claim. I have on record asking all transactions to be reported to me. Somehow fraudster was able to infiltrate information from our credit card account.

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 2026-03-09 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: NY

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

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 2026-03-09 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

Complaint narrative:
Unjustified Permanent Limitation of Business Account - Paypal - Ref ID - PP-L-XXXX I am the non-resident owner of a U.S.-based LLC ( XXXX XXXX XXXX ). My account was permanently limited after I attempted to provide required verification documents. PayPals automated system requested a " 3rd-party prepared tax return, '' which is not yet available as my business is a new entity. Following standard compliance for foreign owners, I provided my official IRS XXXX XXXX XXXX ( XXXX XXXX ) and my XXXX XXXX bank statement as alternative proof of tax identity and address. A PayPal bot interpreted these legitimate government documents as a " potential risk '' and permanently blocked my account without any human review. When I contacted customer support, I was told the decision was " final '' and the agent closed the chat without addressing my official XXXX documentation. PayPal is currently holding {$340.00} of my business funds and has stated they will withhold them for at least 180 days. I have committed no violation of the User Agreement ; this is a failure of their automated verification system to recognize valid XXXX documentation for non-resident business owners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX there was a credit card opened without my knowledge nor consent. I spoke with a representative from capital that same day and he said theres nothing he could do about it a lad transferred me over to a line which was unavailable so it him up on me. The person who is responsible for this is XXXX XXXX who was born on XX/XX/XXXX. Capital one did a horrible job at assisting me which was extremely frustrating. I inserted XXXX pictures of evidence to show where the incident happened and the identification of the person who stole me belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cashapp says the refunded my money, however it was not received and they will not provide proof ( authorization # ) They will not respond to my bank even though they emailed me saying they would only speak to them. My bank has printed out a letter as well but cashapp refuses to work with me or them and just verbally say they refunded the money with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern, Under my rights granted by Section 609 of the Fair Credit Reporting Act, I am requesting verification of the following accounts on my credit report. Please provide copies of the original signed agreements, full account statements, and documentation proving these accounts belong to me. Accounts in question : JEFFERSON CAPITAL SYSTEMS/ XXXX JEFFERSON CAPITAL SYSTEMS / XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: NM

Complaint narrative:
I am submitting this complaint regarding Bilt Rewards refusal to award points for transactions that appear to qualify under their published Terms and Conditions. I used my Bilt XXXX to make a payment toward a personal line of credit ( XXXX ). Bilt has denied awarding points for this transaction, stating that it was coded as a loan payment and therefore ineligible. However, after reviewing Bilts publicly posted Terms and Conditions, I do not see clear language that excludes standard loan payments from earning points. The denial appears to rely solely on merchant coding and an internal classification, rather than on clearly disclosed exclusions in the cardmember agreement. Bilt has stated : Transactions are classified based on merchant code. The transaction was coded as a loan payment to a financial institution. It is therefore considered ineligible. The issue is that their Terms do not clearly and conspicuously disclose that standard loan payments are categorically excluded from earning points. If Bilt is relying on merchant category codes ( MCCs ) to deny rewards, that exclusion must be explicitly disclosed in the cardmember agreement. If the terms do not clearly exclude these transactions, then denying points may constitute : A breach of contract, and/or A deceptive or unfair practice under consumer protection standards. I have attempted to resolve this directly with Bilt customer support, including escalation to a supervisor. The response has consistently been that the transaction is ineligible, but they have not provided specific language from the Terms that supports this denial. I am requesting : A written explanation citing the exact contractual provision that excludes this specific transaction type. If no such provision exists, that the points be credited in accordance with the published rewards structure. Clarification of how merchant category codes are used to determine eligibility and where that policy is disclosed to cardholders. Consumers rely on the published rewards terms when deciding how to use a credit card. If exclusions are applied that are not clearly disclosed, that undermines transparency and fair dealing. I am requesting that CFPB review whether Bilts rewards denial practices are consistent with their published Terms and consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XX/XX/year> my credit card was charged {$16.00} for an Amazon purchase that I did not authorize. This amount was charged to my account with out my permission. this charge resulted in a late fee as I was unaware that there was a charge because I had not made any and was under the impression that I had a {$0.00} balance owed. I have requested that this late fee be removed from my record to restore this account reporting in good standing. This has also caused adverse in that I was denied credit with this being the reason which is also how I found out about the late charges.

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: PA

Complaint narrative:
I had opened an account with Chime on XX/XX/XXXX. When looking for a secondary bank, I came across one of their ads after a XXXX search- this was a promotional link stating that new users would be entitled to a XXXX dollar bonus, incrementally added to their account over the course of 3 months. The rules were, the user must receive a direct deposit of XXXX USD or more within the first 30 days of having the account, and continue to receive deposits of that amount to remain capable of receiving the follow up amounts ( XXXX on month 2 and XXXX on month 3 ). After following all of the steps, using that link carefully to sign up in the process of course, and receiving now 2 direct deposits of XXXX dollars, I have not received my first bonus of XXXX dollars. I called Chime a week after my first deposit went through ( bonus funds should have shown in my account after 7 ) and the associate assured me there was nothing to worry about, I was eligible for the bonus, and that the bonus funds would be in my account within 10 days now ( just 3 more ). With this assurance, I happily hung up the phone and thought my problem was solved. Since then, I have received a separate direct deposit from my job and no bonus. After reaching out again to inquire about the bonus, I was told that I was not eligible for it now. Despite following the exact process and being told that I would be eligible and there would be nothing to worry about, I was now told that I was ineligible for any bonus funds. This was attributed to possible issues on their end but not enough information was given. I followed the steps through and through but at the end of the day, was not credited for their issue. Link to promo attached : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: 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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was checking my report there are many errors on my report of companies i do not recognize.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am trying to figure out why my XXXX account was deactivated and the company won't provide any further information than the email below. I don't know why the account was deactivated and no one there will tell me. " Unfortunately, we will not be able to reactivate your profile or honor any newly created accounts. After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. On XX/XX/year>, we informed you about this decision. Your account has been permanently deactivated and we can no longer offer you the XXXX service. I apologize that we're no longer able to serve you. I highly encourage you to look into alternative payment processors that may be a better fit for your transaction needs. Please refer to the XXXX User Agreement if you have questions regarding the status of your account. XXXX may, at its sole discretion, review and determine an account 's riskiness, and terminate access to our services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i have my personal checking account with chase from last 3 years and later that i did open my business account as well with them every thing was ok, but now they are saying we are closing your account my personal and business accounts, i called them ask for the reasons why are you closing my account but they did not give me any valid reason to close my accounts, Even visit the branch as well couple of time to see if can ask me about any transaction they think which look them suspicious but they are not giving me any kind of information, i have pharmacy business account with them as well and all of my vendors, insurance companies and other wholesaler have the same bank account information, and also my employee getting their pays from that account, all of my utility bills are going from that account my whole business expenses and income sources are linked to that business account which is not easy to change, i also want to explain about my issue, bank accounts plays a vital role to run the business perfectly, but when you suddenly know bank do not want any more relation with you that thing heart you very badly, first emotionally and regular business activities, i just want fair decision regarding my personal and business accounts i want to genuine reason to close my accounts i want to review their decision once again and i am ready to give them all the details regarding of my transaction whatever they ask i request them to remain open all of my accounts. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
back in XXXX of 2025 my identity was stolen, someone access my credit cards an maxed them out and paid with fraudulent bank accounts, they accepted the charges and the banks payments kept raising the limit on the card. I have been scammed and used these people stole my identity, my credit cards and maxed them out to way over the balances, Citi bank aka best buy is still calling me every day looking for money. I lost my job due to this identity theft. I have reported this to the FBI, federal trade commission. credit bureaus, but Citi bank keeps pinging my credit reports as late payments. I am not going pay for something i didn't charge I am getting really annoyed with them. I send them a letter explaining everything and they still don't believe me. My bank accounts have been hacked ; my life is ruined. I had perfect credit before all this fraud happen to me.

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