vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I am attempting to open and establish required banking accounts with Citizens Bank in connection with an active XXXX XXXX bankruptcy proceeding. I have already provided all requested documentation electronically, including filings related to the XXXX XXXX proceeding and notarized organizational documents for the company. Despite this, I continue to experience repeated delays, conflicting instructions, and lack of proper processing. Despite providing documentation via email, I am being asked to resubmit the same materials multiple times without clear justification. There is no confirmation that my documentation has been received, reviewed, or submitted to the appropriate back-office team. Additionally, I have encountered repeated issues with staff conduct and escalation : - A representative identified as XXXX ( XXXX ) has disconnected calls on multiple occasions when I requested escalation to a supervisor. - This has prevented me from resolving the issue through normal channels. - The representatives conduct during these interactions has been dismissive and unprofessional. - A manager identified as XXXX stated that I would receive a response within 24 hours ; however, no response was provided. - When I followed up for an update, I was asked whether I had submitted the required documentation, despite previously being told that a response would be provided within 24 hours. - This indicates a lack of internal coordination and raises concerns that my documentation was not properly tracked or submitted as represented. These repeated failures and lack of coordination are causing ongoing delays. This matter is time-sensitive. The inability to establish these accounts is interfering with my ability to comply with federally regulated bankruptcy requirements, including proper handling of restricted funds and required account structures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I have attempted to contact the company Coinbase.com about accessing my locked out account because they have not given to me my required Tax Form 1099-DA for the purposes of doing my Federal taxes. Despite numerous attempts to resolve this with the company including the submission of my identification information, my account remains locked and my forms are inaccessible. On at least 2 or 3 different occasions I have tried to resolve this situation with customer support and have been given the same story each time. They can not provide me a viable means to restore my account, nor allow me to access my tax information. They claim my identification is not sufficient due to my ID card having only " P.O. box '' without providing reasonable alternatives at proving my identity to Coinbase, and also do not seem willing to allow me to access my tax forms as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Select Portfolio Servicing did not apply payments made from the Trustee Bankruptcy courts and myself in a timely manner. Payments were kept in 'suspense or unapplied ' status for more than 30 to 60 days at a time causing the interest to accrue on the mortgage account. I contact Select Portfolio Servicing Bankruptcy department on many occassions and asked that the payments, be moved and posted to the accounts when a full payment was made. I was told they only post payments at a certain time when the account is in bankruptcy. When payments sit in an 'unapplied ' status, this cause the escrow, principal and interest to balloon out of control, resulting in more fees for the servicer and more money for the lien holder. Unapplied payments cause the loan to go into distress

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/year> I received an email with my name at the top that said, Welcome to XXXX. Your account is ready to go. The email was found to be real. When attempting to recover the account, a telephone number I did not recognise populated for the XXXX. XXXX has no telephone contact so all communications were performed via email. They removed my email from the account, and I was to be satisfied. They would not tell me what store. Would not tell me the telephone number, and kept insisting I was not liable but they could not tell me any more information as I was not the account holder. Yet the account holder used my email, and my NAME!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
A documented pattern of inaccurate " Available Balance '' reporting and delayed processing of Real-Time Payments ( XXXX ) has resulted in {$360.00} in unwarranted fees. Regions Bank consistently fails to reflect pending transactions and delays the availability of confirmed deposits, creating a deceptive financial landscape that makes it impossible to manage business cash flow. I no longer believe the bank is processing transactions ethically or in accordance with their own service agreements. Documented Evidence of Misleading Balances & Delayed Funds : XXXX Delay ( March 1620, 2026 ) : A XXXX transfer of {$50.00} was confirmed via Regions SMS alert on XX/XX/XXXX. However, account records show the " Real Time Payment Credit '' was not actually applied to the balance until XX/XX/XXXX. Holding " real-time '' funds for four days is unacceptable and directly contributes to artificial overdraft scenarios. XX/XX/XXXX : Pending charges ( {$10.00} and {$26.00} ) were visible in the system but not reflected in the displayed balance, resulting in {$100.00} in overdraft fees and a {$50.00} " Excessive Withdrawal '' fee that staff could not explain. XX/XX/XXXX : A {$23.00} pending charge was not reflected. Had it been, the true balance would have shown as negative before a subsequent {$62.00} payment posted. Fee charged : {$36.00}. XX/XX/XXXX : App showed {$540.00} available, but failed to deduct {$250.00} in " Pending '' items. This led to {$72.00} in fees on transactions that appeared fully covered. XX/XX/XXXX & XXXX, XXXX : Multiple holds ( totaling {$36.00} ) were not reflected in the balance. A cash deposit was made on XX/XX/XXXX based on the app 's display, yet a {$36.00} fee was triggered on XX/XX/XXXX because the app balance was out of date. Failure to Resolve & Unauthorized Charges : Unresolved XXXX Complaint : A formal complaint was filed at the XXXX XXXX, XXXX branch in XX/XX/XXXX. No case number or written resolution was provided. Unauthorized Analysis Fees : Monthly charges increased from {$12.00} to {$25.00} due to the addition of Wire and ACH modules that were never authorized. Inadequate Support : Management advised keeping a manual ledger because their digital app is unreliablea failure of basic banking utility in 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 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I borrowed {$35000.00} on my paid off home in XXXX. During my time of paying on it my loan was sold to 4 different mortgage companies. Before Fay Servicing it showed I owed {$19000.00} left to pay off. When Fay Servicing took it over in XXXX they added a charge of {$11000.00} showing after 17 years of paying now I owed {$30000.00} plus the doubled my mortgage payment. I filed for loan modification but they didn't lower it. So I filed hardship modification mitigation in XX/XX/XXXX. During that time I sent 3 applications at different times per request and was told I couldn't make any payments until modification. I was in touch with them. Once again I filed application XXXX XXXX. During my wait the court dismissed the temporary foreclosure on XXXX XXXX saying I have an homestead exemption. On XXXX XXXX Fay Servicing filed foreclosure for XXXX XXXX while I was still discussing the modification by phone. Then a week later was when they informed me of the foreclosure but also still calling me about the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: MO

Complaint narrative:
I disputed an account reported by Midland Credit Management with the credit bureaus. The account was marked as verified, but no proper documentation was provided. I requested validation including a signed agreement, full account history, and proof of ownership. Midland failed to provide this information. This account is being reported inaccurately and must be removed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
CFPB XXXX XXXX XXXX / Debt Collection Issue Consumer Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Company Information Company Name : Monterrey Collection Account Number : XXXX Issue Incorrect information on credit report / Debt is not mine Complaint Narrative I am filing this complaint regarding a collection account reported by Monterrey Collection that does not belong to me. I have no knowledge of this account, and I have never entered into any agreement or contract with this company. This account has been placed on my credit report without proper validation or verification. Additionally, I was never properly notified via mail prior to this account being reported, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA 1692g ). I did not receive any written notice containing the required disclosures, including the amount of the debt or the identity of the original creditor. This matter also raises serious concerns under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ). Under FCRA 611, I have the right to dispute inaccurate or unverifiable information. Reporting an account without proper documentation, verification, or consumer notification is non-compliant. Furthermore, under FCRA 1681s-2 ( a ), furnishers of information are required to report accurate and complete information. Monterrey Collection has failed to provide any proof that I am legally responsible for this alleged debt. To date, I have not been provided with : A signed contract Proof of debt ownership or assignment A full payment history Proof of proper written notification This lack of documentation strongly indicates that the account is inaccurate, unverified, or improperly reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
WAYPOINT RESOURCE GROUP I just noticed that your company is reporting the following account listed below on my credit report. Account number : XXXX, Please validate this debt. Please investigate and get back to me Fast. This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor. 2. Proof that you have the right to collect this debt in my state. 3. Proof that your company carries a bond. 4. Proof of how your company assessed the outstanding debt. 5. Payment history from the original creditor. 6. Name and address from the original creditor. 7. Copy of the original contract bearing my signature. 8. Chain of title on this debt. 9. Proof that you can collect this debt from me. 10.Do you own or is this debt assigned? 11.Copies of all letters sent to me from you and the original creditor regarding this debt. 12.How much did you buy the debt for? 13.When was the last date a payment was made on this debt? 14.What fees/interest was tacked onto the debt? 15.How were the fees determined? ALSO AS I DID A RESEARCH ON THE TEXASM OFFICE OF CONSUMER COMMISSIONER THIS COMPANY NAME IS NOT SHOWING UP TO COLLECT A DEBT XXXX XXXX XXXXXXXX FEEL FREE TO SEARCH YOUR SELF AS WELL

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Over the past few weeks I have tried accessing my Capital One banking account through the bank 's app and have been prompted to provide updated income information. There is no option to bypass. I called and spoke to customer service on XX/XX/year>. After being placed on hold the call disconnected after about XXXX minutes. I then saw the same prompt and inability to bypass on the website login. I called back shortly after on the same day and they said I can not login until I answer the prompts. I am not applying for any new accounts or services. I see no evidence that their request is legally mandated and I should have a bypass option to login to my account. At this time I have no way to access my account information and bypass the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX US CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX US CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We were involved in a fraud with a loss of hundreds of thousands of dollars. Recently, XXXX dollars, XXXX XXXX and more were wire transferred by XXXX XXXX bank and Bank XXXX XXXX XXXX accounts that they flagged. We tried to recall within XXXX business days the banks failed to process our case. I have reported the information to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Attorney 's office and XXXX XXXX XXXX. It has now been more than XXXX days with no actions thus far. Banks are not willing to respond to our requests. As customers, we trust banks as regulated financial institutions and expect appropriate safeguards to prevent fraudulent activity. The conduct appears potentially implicative of violations of federal statutes, including but not limited to : California Penal Code sections 460, 470 ( d ), 487, 532, 631.

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 2026-03-23 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: Paypal Holdings, Inc
State: LA

Complaint narrative:
Charge for a service that I didnt get and venmo gave me a credit then took it back from my account.

Company response to consumer: Closed with explanation