vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

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 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 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 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 non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> at approximately XXXXXXXX XXXX XXXX sent bXXXX XXXX XXXX XXXX XXXX Cash App and was told basically they kept it because can only send XXXX. Ive since tracked it they been using it. Thats stealing. When you try get ahold of anyone else you cant. Was told they refund 2 years ago never did. Below is the XXXX it was sent too and the trace. The amount is {$770.00}. XXXX XXXX XXXXXXXX Thats where it was sent My Cash App and XXXX. XXXX XXXX the tracking via XXXXXXXX XXXX XXXX XXXX XXXXXXXX Pls If you can help I dont think its right to just take someone money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
On XXXX XXXX website it stated that my odds were outstanding and it will be an soft hit, but it was not, it was a hard hit, an application. I came to XXXX XXXX to check my score then cane upon this offer. It is deceptive, I didn't want the card. What they are doing is deception period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. These collections were a cause of fraud due to the identity theft that leaked my information on the dark web and opened multiple accounts under my name over the years. It wasnt until I made an XXXX account where I finally saw the damages, so I have been trying for months to get the items removed from my credit reporting with these particular companies that credit lines were supposedly opened and never paid in my name when I asked the companies to show document proof of any signings I might have done. The companies failed to deliver such evidence and just put the debt as automatic owed consumer disagrees, etc. Its been a very back-and-forth battle over the months, with disputing with both XXXX, XXXX, XXXX, and the different companies and getting nowhere especially going in under these hardships. There are XXXX companies in total I will list them below. I demand that the following be removed immediately : 1.XXXX XXXX XXXX Original creditor : XXXX XXXX {$1900.00} - NOT MINE DUE TO IDENTITY THEIF 2XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. {$1.00} - NOT MINE DUE TO IDENTITY THEIF 3.SYNCBXXXX XXXX {$800.00} XXXX NOT MINE DUE TO IDENTITY THEIF

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
After reviewing my XXXX credit report, I have noticed some inaccuracies. One being a charge-off account for Capital One, account ending in XXXX. I would like to be given the opportunity to verify the accuracy of such debt. If debt can not be validated, I am asking for the account to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
In XXXX I called and made a payment over the phone ( all my accounts are auto with a 100 % payment history besides this ). The transfer payment from another card resulted in my auto pay being deleted, causing me to default. In XXXX, I made a payoff on an interest payment. When I called the agent deleted my auto pay info again without my consent, defalting me again the XXXX agents, and I stayed onthe phone until all were correcrted identifying the repeat of the XXXX issue and they agreed to correct both ( which I have a complete recording of the repeat incident as I explained to the agent before he looked it up what we would find, which strengthened my possion with him ). The correcting agent agreed to correct both, but the correction only has one. I have now, from this same lender, had two repeat problems with corrections to the payments and feed, but only one with the reporting issue corrected. I have tried several times to dispute this, but I now need it corrected with the recorded conversation and evidence. I do not know how to attach that file howwver and this appears to be a possible systemic issue

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 2026-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: SC

Complaint narrative:
Beware of Seacoast Bank! I started an XXXX loan 2 years ago with them ( XXXX XXXX ) and was made several promises that were not kept. During the lengthy process, we went from a $ XXXX {$12000.00} cash injection XXXX XXXX loan to a XXXX XXXX loan with a {$330000.00} cash injection!!! They had an interest rate of 8.5 % that was fair back in XXXX when the loan was originated, but not fair in late XXXX when the rates dropped. They were unwilling to change that rate. When I said I wanted to explore other options before I decide to close the loan with them, XXXX told me the bank has decided to withdraw the loan since it would not close in XXXX. Then kept my {$10000.00} earnest money. How do you withdraw a loan, then keep the money? Never mind it took 2 years to get to a point to close a loan that should have taken 6 months. They blamed the government shutdown, yet we started this loan in XXXX of XXXX. Beware of this bank!!!!! Broken promises and never-ending requests for information already provided, and asking the builder for so many items!!! Absolutely ridiculous. I went to a local bank 3 weeks ago and am closing on the loan this Thursday. DO NOT USE THIS BANK!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
XXXX DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX DEBT 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 2026-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint regarding Bank of Americas handling of a XXXX dispute decision that resulted in the reversal of funds totaling {$3400.00}, despite clear evidence that all transfers were authorized reimbursements. Amounts reversed : {$2400.00} sent to my daughter, XXXX XXXX XXXX {$960.00} sent to me, XXXX XXXX The individual who sent these XXXX payments asked my daughter and me to pay for his expenses because he was experiencing repeated issues with his Bank of America accounts. His account would frequently lock when he attempted transactions, requiring him to call or visit a branch to verify his identity. Because of these repeated account lockouts, he asked us to cover expenses on his behalf and stated he would reimburse us via XXXX once his account was accessible. We have the following documentation : Written messages from him confirming that the XXXX transfers were reimbursements. Screenshots of him expressing frustration about Bank of America repeatedly locking his account and stating he had to call and wait on hold for long periods to authorize transactions. Evidence that Bank of America has recordings of him calling to authorize the XXXX transfers. Receipts and proof of purchases made on his behalf. Despite this documentation showing clear authorization and purpose, Bank of America determined the dispute in the senders favor and withdrew the funds from our accounts. These were not unauthorized transfers. They were reimbursements for expenses he specifically requested that we pay on his behalf. As a direct result of this reversal : My daughters account is now negative. My personal account has been reduced to approximately {$100.00} remaining. This has caused immediate financial hardship and instability. I respectfully request : A full review by Bank of Americas executive or compliance team. The specific reason code and dispute classification used to approve the claimants case. Clarification as to whether the transactions were categorized as unauthorized or authorized but fraud-induced. A reconsideration of the determination based on the written evidence demonstrating explicit authorization. The reversal of legitimate reimbursement payments has caused measurable financial harm. We are requesting a formal reinvestigation and correction of this decision.

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sezzle Inc.
State: MN

Complaint narrative:
I respectfully request through the CFPB portal a letter stating my balance with your financial institution. Also, please leave a number and department to call if there is any balance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Called numerous times, called after hours and didnt leave a message more than once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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:
On XX/XX/XXXX, Cash app was to refund {$1000.00} to me. I have not received my refund. My bank has advised me to get the authorization code because we never received the refund. Cash App continuously says that they have refunded it, but it is all hearsay because they can not provide the authorization code. Cash app says they have returned the money. My bank says they have not. The only way is for Cash App to prove they have refunded my money by providing an authorization code for the refunded transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
I am disputing the entire {$2300.00} balance that National Credit Systems , Inc. ( Account # XXXX ) is attempting to collect on behalf of XXXX XXXX XXXX. This morning ( XX/XX/XXXX ) I called NCS, disputed the debt, told them I am not going to pay it, and said I would respond in writing. They refused to extend the XXXX XXXX settlement offer. The debt is not valid. I moved out in the first week of XX/XX/XXXX. The unit was re-rented to XXXX XXXX within 10 days. The landlord fully mitigated all damages as required by Oklahoma law ( XXXX XXXX XXXX ), and my ~ {$1100.00} security deposit was already applied. There is XXXX lost rent and nothing owed. I am sending a formal written FDCPA validation/dispute letter today demanding full proof. I request that NCS immediately cease all collection activity, delete any negative credit reporting, and provide the validation required by the FDCPA and Oklahoma XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have received a copy on my credit reports, and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

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 2026-02-24 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: NJ

Complaint narrative:
I have received a copy on my credit reports, and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Virtual Currency / Money Transfer The Issue I am filing this complaint against XXXX XXXX XXXX XXXX XXXX an unresolved account freeze, an inability to withdraw funds, lack of customer support regarding lost funds. Despite multiple attempts to resolve this directly with Gemini via their support ticketing system, my issue remains unresolved/ignored for XXXX days. Statement of Facts Date of Initial Incident : XXXX XXXX XXXX XXXX XXXX Support Ticket Number ( XXXX ) : Original Support Number Summary of Events : * On XXXX of XXXX around XXXX, I fell foul of a phishing attempt where somebody impersonated gemini support. They used a sophisticated weblink and website, had numerous personal details of me. This included the XXXX of XXXX previously used cold wallet keys, only viewable within the gemini ecosystem. o The transaction was able to steal roughly XXXX, my initial email to XXXX stated the only human interaction stated that the call wasnt made from their system and must of been fraudulent. o I followed up on frequently, but received nothing but automated responses, everything that I followed up with an email, this has been left unresponded to. o My account currently holds roughly XXXX in XXXX, which I am being denied access to without a clear explanation of the regulatory or security reason. Your Desired Resolution To resolve this matter, I request that XXXX : XXXX. Immediately unfreeze my account and allow the withdrawal of my funds to my verified bank account. XXXX. Provide a detailed explanation for the delay and any specific documentation required to satisfy their compliance department. XXXX. Provide a direct point of contact for an agent who can finalize this matter without further automated delays. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: MO

Complaint narrative:
I am attempting to obtain written validation and written settlement confirmation. Both Credit Control and XXXX are refusing to provide documentation while continuing collection efforts.

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I opened a BMO XXXX XXXX XXXX account ending in XXXX on XX/XX/XXXX through BMO 's online application. I used the account normally for approximately eight months without any issues, warnings, or communications from BMO regarding my account activity. In early XX/XX/XXXX, I received a letter from BMO stating that the Bank had conducted an account review that concluded on XX/XX/XXXX, and that the Bank 's decision was to terminate my banking relationship. The letter stated that my " account activity exceeds the risk tolerance of the Bank. '' The letter gave me until XX/XX/XXXX to close the account or BMO would close it and mail any remaining funds. No specific account activity was identified. No prior warning was given. No opportunity to address any concerns was offered. On XX/XX/XXXX, I filed complaints with the CFPB ( Complaint # XXXX ) and the OCC ( Complaint XXXX XXXX ). I stated that I have not engaged in fraud, written bad checks, or any illegal activity, and requested that BMO review its decision and keep my accounts open. On XX/XX/XXXX, I received BMO 's response signed by XXXX XXXX, Senior Manager, Customer Advocacy Team. The response was non-substantive. BMO simply repeated the same vague " risk tolerance '' language from the original termination letter, stated the decision is final, and quoted a portion of the Deposit Account Agreement asserting its right to close accounts. BMO did not identify any specific account activity that triggered the termination. BMO did not explain what risk criteria were applied. BMO did not address my statement that I have not engaged in fraud or illegal activity. BMO provided no evidence that any meaningful review was conducted in response to my complaint. I am filing this supplemental complaint because BMO 's response failed to provide the substantive explanation required by the complaint process. I am requesting that BMO be required to identify the specific basis for its decision or reverse the account termination.

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