vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: NC

Complaint narrative:
BOUNCE AI is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
my card will not work on XXXX and they refuse to answer aNY questions?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FirstPoint Collection Resources
State: TX

Complaint narrative:
First Point XXXX XXXX contacted me about a debt I do not owe. I know my bills and I never took a loan with a XXXX XXXX XXXX. The email contains numerous violations of the FDCRA. They are Impersonating an attorney and making threats and using harassing language in their email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
In XXXX XXXX XXXX ], I applied for a XXXX credit card. During the account setup process, my account froze, and I have been unable to log in ever since. I have attempted every troubleshooting step, including password resets and following all instructions provided by XXXX I have contacted XXXX  customer service multiple times over the past XXXX months, requesting assistance to regain access to my account, but I have received no resolution or helpful response. 
I have not been able to use the card, access my account, or complete the application process. I am requesting that XXXX  restore my account access, provide clear instructions to resolve this issue, or offer an alternative solution, as the delay has persisted for XXXX months with no support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a victim of identity theft under IXXXX XXXX XXXX XXXX XXXX XXXX ). A fraudulent checking account was opened in my name without my authorization using my stolen personal information. [ srhunterlaw ] I have filed a police report and FTC Identity Theft Report documenting this crime. [ XXXX ] Demand immediate closure of the account, deletion from all records and credit reports, and written confirmation within 30 days per FCRA and XXXX XXXX XXXXXXXX civil remedies. Proof available upon request.

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 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed the XXXX XXXX XXXX XXXX institutional account after freezing it for compliance review. The account has now been closed for over XXXX months. 

Despite the closure, Citibank has failed to return the remaining funds to the institution or provide any written proof that the funds were returned to the original payers. The bank has only provided vague verbal statements claiming the funds would be returned to the payers, without transaction-level confirmation, documentation, or timelines. 

Citibank is currently retaining institutional funds without lawful justification, written explanation, or proper escheatment processing. 

We request that Citibank be required to : XXXX. Provide a written accounting of all remaining funds. 
XXXX. Confirm the status and disposition of each transaction. 
XXXX. Return the funds or properly process them in accordance with applicable unclaimed property laws. 

This complaint concerns failure to return funds after account closure and lack of transparency in fund disposition.

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 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
They closed my account without telling me the reason I asked for the reason and they said they told me all they could I was told I violated their rules but I didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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:
Firstly I live in XXXX XXXX and I am at my wits end. For XXXX  years I have held a paypal account that has worked perfectly fine. 
It is under XXXX. 
However late last year i could no longer transfer the money to my account that XXXX and XXXX XXXXXXXX amongst others were paying me. 
I have spent more hours that one can imagine, filed every document i have only to be stopped by Paypal telling me my account is in XXXX. A place i have never even been too. This is a default on their system not something i have done. 
They ask for business stamps of approval ( I am a XXXX XXXX XXXX XXXX XXXX XXXX ) i do not have approval stamps i barely have letterhead! I am at my wits end with not XXXX person getting back to me nor being able to solve the problem. They have held my money with interest no doubt to them for the past XXXX  months and still i can not access this. I am now desperately asking for help. 
I can be contacted on XXXX  My name is XXXX XXXX ( XXXX ) I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do hope you are able to help me sort this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/year>, we received an email asking for a letter from my mother 's primary care Physician confirming my mother mental state at the time she signed her POA. I was very open about the POA from the start of the loan. I even had to sign loan documents a certain way. When we asked why this was a problem at closing time. My husband and I were told it was standard mortgage company policy. I was told by my mother 's physician she had never heard of such a request and could not provide a letterhead with this information, because she was not her Physician at the time of the POA. I relayed this information to the mortgage company ( XXXX XXXX ), and they asked that we locate her XXXX at the time of the POA. Her Physician at the time of the XXXX was no longer available. Again, we relayed this information and was told that the loan would be placed on hold till we find her XXXX at the time or find another way to prove her POA was legal. So, at this point we asked what can be done, again they wanted to place the loan on hold and keep our deposit. I asked they return my deposit with a letter stating the company policy with our deposit check. We got our deposit but no letter stating company policy for our records. I feel that my mother 's loan was denied because she is elderly and has XXXX, and we would not back the loan with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I am writing to formally demand immediate resolution of a disputed {$390.00} debit card transaction involving a canceled vehicle purchase with XXXX. Despite providing documentation and merchant confirmation, this matter has been unnecessarily delayed. 
On XX/XX/XXXX, I made a {$390.00} debit card deposit to XXXX to secure a vehicle. I canceled the purchase on XX/XX/XXXX and was advised the refund would be processed within XXXX business days. On XX/XX/XXXX, XXXX confirmed via email that the refund was in transit, followed minutes later by a second email stating the refund was rejected by my bank. 
SoFi later confirmed the refund was not rejected and was visible on its systems. XXXX has since confirmed that a refund attempt was made and that the dispute has been answered. 
Despite this documentation, SoFi continues to delay resolution. 
Under the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. 1005 ), consumers are entitled to timely investigation and error resolution for unauthorized or incorrect electronic fund transfers. Where the bank has sufficient information to determine that an error occurred, continued delay is inconsistent with the purpose and consumer protections of Reg E. 
Additionally, provisional credit should be provided when required during investigation periods. 
Given the merchants confirmation and the documentation already submitted, further delay is unreasonable. I respectfully demand immediate release of the {$390.00} and written confirmation that the dispute has been closed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc.
State: TX

Complaint narrative:
Many defiance 's found, No creditor name, No balance, no date assigned, No payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Account last four social # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification please provide Certified Mailnwith receipt displaying my signature and original contract. If not please delete this account from my report as soon as possible or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
extremely uncooperative bank manager XXXX XXXX XXXX and I also worked with XXXX XXXX ( unsure if she is just being told by her bank manager to be uncooperative ) -I am dealing with a fraud case, and there has been communication issues ( ignoring requests completely, told I should hear from someone, or get a letter in the mail regarding the situation ) -Closed a bank account with no notice, and with explicit instructions that it was part of an ongoing investigation and it should not be closed ( I think they made a mistake and they are hoping to close the account to sweep this under the rug ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank raised my interest rate from 22.24 % to 27.24 % starting on XX/XX/XXXX XXXX XXXX  until now, XX/XX/XXXX XXXXThey never notified me in writing, which they are supposed to do.Citibank has been previously sued for this.I would have chosen NOT to use this card starting XXXX XXXX XXXX, if I had known the interest rate jumped to 27.24 percent from 22.24 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: E Mortgage Capital, Inc.
State: NV

Complaint narrative:
We were working with a loan officer from E Capital Mortgage she led us on for months and we were told we would be getting {$3900.00} back when the transaction didnt go through for appraisals, earnest money, and engineer reports. The loan officer stated she had the checks and would bring them to us and never did we have tried for 3 months to get the money and she always has a reason she cant give it to us. Loan officer name XXXX XXXX in XXXX XXXX Nevada

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: LA

Complaint narrative:
My account was closed on XX/XX/XXXXXXXX  due to violation of terms. That same day I created an appeal to try and get my account back. I was made aware that my account was no longer eligible for use on XX/XX/XXXXXXXX  in an email sent on XX/XX/XXXX. Since XX/XX/XXXXXXXX  I had called once every month to get a response on my appeal before I was made aware today of said email. I have been told each time I have called that I would get a response within 30 business days and that my appeal will be sent to the correct team. The last time I called was XX/XX/XXXXXXXX  and was told that I would be contacted again within 10 business days. For the last six months, I have been told that somebody would be able to help me and yes, I understand that I did receive that email, but even with the amount of times that I have called for an answer, I feel really disrespected that it had to go into the limit of me filing a complaint because I couldnt get any help for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sound Collection Services
State: WA

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to SOUND COLLECTION SERVICE through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that SOUND COLLECTION SERVICE receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : 1. ) The Date of First Delinquency ; 2. ) The date the account was charged off ; and 3. ) The date the account was acquired by or assigned to SOUND COLLECTION SERVICE.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-01-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I have a construction loan with UWM United Wholesale Mortgage. In XXXX there was some sort of issue with the inspection process that they did not notify me of, and they would not allow me to make my XXXX payment. After weeks of trying to clear that up i was able to make a payment, yet they assessed an {$8000.00} late fee. In XXXX i was able to get that waived, but in XXXX they re assessed it and without consent automatically withdrew it from my bank account. Fortunately i was able to transfer money from my savings to temporarily cover overdrafts. Not everyone has this luxury and this is something i would think should be illegal, withdrawing money without authorization. As of now XX/XX/year> i have yet to receive a refund and keep getting told its in process, etc... You can imagine the chaos that has caused with my funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Acquisitions Group
State: MS

Complaint narrative:
FOSTER AND MONROE LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research FOSTER AND MONROE LLC 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: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: OR

Complaint narrative:
I have been contacted multiple times by Ability Recovery Services LLC via phone messages and then by a written letter regarding a debt they claimed I owed to XXXX XXXX XXXX XXXX who purchased the account from XXXX XXXX XXXX. My name was misspelled on the letter. As concerns the debt, I have excellent medical insurance and I have never either received a bill regarding the claimed debt nor am aware of this claimed debt ; therefore, I doubt the validity of this claim. I have written a cease and desist letter.

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 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I activated the card last year and went to use it at a XXXX XXXX and it was denied because of fraud.. I call the Barclays Bank to find out what is going. They say I need to send in documents to prove my identity. I have been faxing the documents they wanted but say its insufficient because they cant read the fax. On the first day the card was declined I ask to cancel it before the grace period expires they say i cant cancel. I have been trying since to cancel but no response to assist me on cancellation. The company already billing me as I ask to cancel on XXXXXXXX again they i cant.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXXXact regarding failure to process a hardship accommodation request for an installment loan. I experienced a temporary financial hardship due to reduced household income and increased housing expenses. I contacted Xact in writing multiple times beginning in XX/XX/year>XXXX  to request a temporary administrative hold, hardship accommodation review, and eventual re-age so the account would not charge off. I explicitly communicated that I am not refusing to pay and I intend to resume payments once the hardship period resolves. 

Xact has not responded with any servicing review, loss mitigation options, forbearance options, re-age options, or a designated hardship contact. Instead, correspondence has routed through the collections channel with demands for immediate cure or settlement. This appears inconsistent with federal servicing standards that require reasonable review of hardship accommodation requests and clear communication of available options. 

I am currently unable to make a lump-sum cure payment, but I am willing to resume periodic payments upon accommodation. Xact has not provided any process to do so. My concern is that Xact is steering the loan into collections and possible charge-off despite a valid temporary hardship request, which would cause avoidable credit damage and financial harm. I am requesting CFPB assistance to ensure the loan is handled through the proper servicing channel rather than the collections channel.

Company response to consumer: Closed with explanation