vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
Approximately XX/XX/year>, cashapp closed my account for an alleged violation of terms of service. I filed XXXX appeals requesting a reversal and the specific violation. They responded to the first appeal stating the activities violates the terms of service with no specifics. They did not respond to my second appeal. On XX/XX/year> and XX/XX/year>, I contacted Cashapp multiple times inquiring about eligibility for a new account after a prior closure. I was informed by XXXX or more representatives that I was eligible, but they will have to close out my old account before opening a new account. They also informed me I could not use the email or phone number associated with the old account. On XX/XX/year>, I created a brand new email and begin opening a new account. During the verification process, my account immediately deactivated stating it violated the terms of service. I contacted Cashapp and was informed to file an appeal to have it reactivated. I immediately filed the appeal, but didn't get a response until XX/XX/year>. Cashpp stated the activity on the account violated the terms of service. I contacted Cashapp again to understand how an incomplete account with a brand new email and no activity violated the terms of service. I was informed the account will remain deactivated with no specific justification of the closure. There were no fraudulent or illegal activities on either of my accounts and the sponsored accounts was unable to transfer their funds after the closure of the first Cashapp account. Cashapp are using a violation of the terms of service without having a valid reason to close accounts, even when the specific violation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
Multiple Payment Reviews Requested - I have XXXX payments towards XXXX, but only about XXXX has been accepted by Mohela. Multiple attempts to contact & resubmit employment failed still showing recertifications as " pending '' even XXXX yrs after submission. 

Employment History : 20 months/payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  14 months/payments - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 18 months/payments - XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX 19 months/payment XXXX XXXX, XXXX, XXXX XXXX XXXX 22 months/payments - XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 33 months/payments XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX 126 months ( employment re-certs submitted prior to XX/XX/year> ) I've called Mohela , unable to reach individuals on several occasions, resubmitted review requests. After several years of sitting on uncertified employment, several recertifications even from XXXX are still showing as " in progress ''. ( many of which were earlier denied after my employers validated my time of employment ).

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have a credit card with Capital One. I have not ben late since having the card i fact I pay it ahead f time. On XXXX XXXX I made a three hundred dollar payment which has cleared my bank which I can show proof of this fact. 
The bank has placed a hold on the payment until XX/XX/year>. This is outrageous especially given the fact that in other instances the bank has a way of verifying the fact that a payment has cleared. Why should he bank be allowed to keep my money tied up for almost a month which they are making money on, and give me access to it??? 
This must be a ploy the bank uses to increase its cash reserves and should be investigated. As I said, the bank has a program whereby they can sign into my bank account and see if a payment has cleared. Why all of a sudden is this different??? 
I write to you to get my card released from this hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Related CFPB Case ID : XXXX Debt Collection / Unauthorized Electronic Withdrawal. This complaint is submitted as a supplemental and related complaint to my existing CFPB case ID XXXX against Midland Credit Management XXXX 
It concerns new violations involving unauthorized debit card withdrawals, misrepresentation of payment status, and deceptive collection practices that occurred after Midland explicitly stated that my scheduled payments were returned or declined.On or about XX/XX/XXXX, Midland Credit Management sent me two separate written notices, one for each account, stating that my recent scheduled payments were returned or declined. These notices indicated that the scheduled payments would not be processed. 
The accounts involved are : Account # XXXX Account # XXXX Despite these written representations : On or about XX/XX/XXXX, Midland withdrew funds from my debit card : {$170.00} for Account # XXXX {$180.00} for Account # XXXX Midland then sent me additional notification stating that it intended to withdraw further payments on XX/XX/XXXX : {$170.00} for Account # XXXX {$180.00} for Account # XXXX As of XX/XX/XXXX, Midland has never honored its written statements that the payments were returned or declined and instead proceeded with unauthorized electronic withdrawals.Midland Credit Management made written representations that my scheduled payments were returned or declined, yet later debited my account anyway. 
This conduct is misleading, inconsistent, and caused financial harm. Midland Credit Managements conduct appears to violate the following laws : Electronic Fund Transfer Act ( EFTA ) and Regulation E Midland withdrew funds from my debit card without valid, current authorization after representing that payments were returned or declined. These debits constitute unauthorized electronic fund transfers.

Fair Debt Collection Practices Act ( FDCPA ) Midland engaged in false, deceptive, and misleading representations regarding the status of payments and collection activity.

Wisconsin Consumer Act ( WCA ) As a Wisconsin consumer, I believe Midlands actions violate state requirements for lawful payment authorization and fair debt collection practices.

Harm Suffered Unauthorized withdrawals from my debit card Financial loss and bank account disruption Stress and confusion caused by conflicting communications Continued collection activity despite misleading payment notices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: National Credit Systems,Inc.
State: TX

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 2026-01-01 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: IL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My auto loan with Capital One Auto Finance was paid in full several years ago. The XXXX XXXX XXXXXXXX XXXX XXXX has verbally confirmed that the loan shows paid off ; however, Capital One Auto Finance remains listed as the lienholder on the title record due to failure to provide a valid lien release. 

On XX/XX/XXXX, I contacted Capital One Auto Finance and spoke with a customer service agent. I was informed that a XXXX release was allegedly mailed in XX/XX/XXXX. Neither I nor the co-borrower, nor the XXXX XXXX XXXXXXXX XXXX XXXX ever received this document. 

I previously contacted Capital One Auto Finance approximately XXXX years ago to address this same issue and was advised the XXXX release would be sent, but it was not received at that time either. 

During my XX/XX/XXXX call, I was told that a copy would be emailed and a physical copy mailed within approximately XXXX weeks. XXXX  XXXX has stated that copies, emails, or scans are not acceptable and that only an original, wet-ink signed lien release XXXX completed XXXX XXXX XXXXXXXX can remove the lien. 

XXXX XXXX XXXX XXXX repeated failure to provide an original XXXX release has left the lien active on the title record and is preventing the lawful sale of my vehicle. I am requesting immediate issuance and overnight or expedited mailing with tracking of an original, wet-ink signed lien release or completion of XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: CA

Complaint narrative:
I believe a family member or someone close to me applied and receive the card without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lines hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, RI XXXX XXXX XXXX, Florida. The move occurred on XX/XX/year>. The moving company required me to take photos of the paperwork instead of giving me a hard copy. When the movers arrived in XXXX, it was raining. 
requested that they cover the boxes to prevent damage to the contents. The team did not comply. Per the contract, the movers were required to place furniture in their rightful place. The furniture was left blocking walking areas. Additionally, the movers left three unwrapped boxes, essentially leaving their moving blanket behind. The blankets were dirty and had a foul odor. The movers refused to leave unless I signed the paperwork right then. XXXX mover pleaded for me to sign the paperwork, or he would lose his job. 
After the movers left, there was damage, notably, a XXXX tears in a brand new leather sofa, and a cracked bottom up crack in my XXXX XXXX computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Oliphant United, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: V and H Portfolio
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing withinXX/XX/XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rapid Home Lending Inc.
State: NC

Complaint narrative:
The following is the email I sent on XX/XX/year> to XXXX  XXXX XXXX XXXX. It was replied to in minutes that he was fowarding it to his management team and there were no more responses after that : XXXX and XXXX, I never received anything back on a check for the amount to match the price on the closing cost. 
I also never received a check book for the line of credit ( or XXXX  ) that this was supposed to be. 
I was told I had XXXX business days to cancel and was told the XXXX day was Wednesday the XXXX by midnight, but when I went to cancel, a loan had already been processed on the XXXX. 
As my wife and I disputed at the closing when we were signing with the XXXX we continued to be completely confused as to why there were such high fees for a line of credit that was starting to appear more and more like a loan that we had never asked for, which is when the offer was made to price match the fees from our prior loan that was sent to you. 
The next morning a check had already arrived in the amount of {$95000.00} that I have never asked for and have no intention of cashing. 
Please respond back as to where I need to return your check too, as I tried to make as clearly as I knew how through many of our conversations over the phone this was supposed to be a line of credit or as XXXX  XXXX always referred to them as an XXXX  when I had XXXX through them years ago. 
Sorry for the delay in response, but this has been XXXX of the most upsetting processes I have ever experienced with being sold the wrong product. 
Thank you for your assistance,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, misleading, and legally noncompliant credit reporting by XXXX XXXX Bank, as furnished to Transunion, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

The account is being reported with multiple material inaccuracies that can not all be true at the same time and that materially harm my creditworthiness.

Specific Inaccuracies and Violations 1. Impossible Balance Exceeding Credit Limit Credit limit is reported as {$700.00} Original balance and current balance are reported as {$1000.00} A credit card balance can not exceed the credit limit at charge-off without a clear, itemized accounting of interest and fees. No such itemization is provided. This renders the balance inaccurate and unverifiable under FCRA 1681e ( b ).

2. Charged-Off as Bad Debt While Still Reporting a Balance Status : Collection / Charge-Off Remarks : Charged off as bad debt | Profit and loss write-off Current balance still reported as {$1000.00} If this account was charged off and written off as a profit and loss expense, First Premier may not continue reporting a balance unless it still owns the debt and is collecting in-house. If the debt was sold or transferred, the balance must be reported as {$0.00}, and the new owner must be identified. Reporting otherwise is misleading and unlawful.

3. Improper Dual Status : Collection + Charge-Off The account is simultaneously labeled as both Collection and Charge-Off. This constitutes impermissible double-status reporting unless clearly identified as in-house collection, which it is not. This presentation falsely exaggerates the severity of the account to lenders.

4. Future Reporting Date / Illegal Re-Aging The tradeline shows a Reported date of XX/XX/2025, which is a future date. Reporting future activity is inaccurate, misleading, and constitutes improper re-aging designed to artificially extend the negative impact of the tradeline.

5. Missing Required Charge-Off Date The account does not clearly disclose the actual charge-off date. This omission prevents accurate calculation of the 7-year reporting period and violates FCRA requirements regarding completeness and transparency.

6. Internally Inconsistent Payment Terms The account reports : A current balance of {$1000.00} A monthly payment of {$0.00} This internal inconsistency further demonstrates the account is not being reported with maximum possible accuracy. 

Harm Caused These inaccuracies have : Artificially inflated my utilization Exaggerated delinquency severity Misled potential creditors Caused ongoing credit score damage Resulted in denials and/or worse credit terms

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IN

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: BTH Management
State: TX

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