vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I attempted to add one of my Citibank credit cards to XXXX XXXX. The attempt failed, and an on-screen message instructed me to contact the card issuer or try again. I tried again later the same day, but the second attempt also failed with the same message. Nearly three months later, on XX/XX/XXXX, I attempted to add the card again. The attempt failed once more. As of the end of XX/XX/XXXX, the issue remained unresolved : every attempt to add the card to XXXX XXXX has failed. This is the second time I have been unable to add a Citibank credit card to XXXX XXXX. The prior incident was reported to the CFPB under complaint number XXXX and was ultimately resolved.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
I am writing in response to your communication regarding the above-referenced account. I dispute the validity of this alleged debt in its entirety. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), I am requesting validation of this debt. Please provide the following : The name and address of the original creditor ; The full amount of the alleged debt, including a detailed itemization of all interest, fees, and charges ; Copies of any signed agreements or contracts bearing my signature that establish my obligation to pay ; Documentation showing you have been assigned or have the legal right to collect this debt ; Proof that your company is licensed or authorized to collect debts in the State of Indiana ; Verification of the date of first delinquency and confirmation that the statute of limitations has not expired. Under federal law, you must cease collection efforts until you provide proper validation of this debt. This includes reporting the debt to any credit reporting agencies. If you can not provide the requested validation, you must cease collection activities and remove any reporting related to this account. All future communications regarding this matter must be in writing. Sincerely, XXXX XXXX

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

Complaint narrative:
I am filing this complaint regarding a fraudulent loan account that has reappeared on my credit report through a debt collector. Previously, an unauthorized loan of approximately {$5000.00} was reported on my XXXX credit report. I disputed this account because I did not apply for or authorize this loan. After filing a dispute, the account was investigated and ultimately removed from my XXXX credit report. However, I am now seeing that the same fraudulent account has been placed into collections by Starmark Financial and is being reported as a derogatory mark on my credit report. I want to clearly state : I did not apply for this loan. I did not authorize this debt. This account was previously disputed and removed. I have no contractual relationship with Starmark Financial. This appears to be re-reporting of a previously disputed fraudulent account, which is causing ongoing damage to my credit profile. I am requesting the following : Immediate validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), including : A copy of the original signed loan agreement Proof of identity used to open the account Complete payment history Documentation showing how Starmark Financial has legal authority to collect this debt Immediate deletion of this account from all credit reporting agencies if proper validation can not be provided. Investigation into why a previously removed fraudulent account is being re-reported under a different entity. Re-reporting previously disputed fraudulent debt without proper validation may violate the Fair Credit Reporting Act ( FCRA ) and FDCPA provisions. This account is negatively impacting my credit score and financial standing, and I request immediate corrective action. I expect written confirmation once this matter is resolved.

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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
In reviewing my Cash App account statements, I discovered that my XX/XX/XXXX statement reflects a Balance Adjustment labeled Deceased-XXXX XXXX XXXX XXXXXXXX in the amount of {$10000.00}. My XX/XX/XXXX statement reflects an additional Balance Adjustment labeled Deceased-XXXXXXXX XXXX XXXX XXXXXXXX in the amount of {$630.00}. These entries total {$11000.00} and removed funds from my account. At the time these transactions occurred, I was hospitalized and incapacitated and did not have the ability to access or manage my Cash App account. I was not deceased, no estate had been established, and no executor or estate representative existed. I recently regained access to the account and discovered these estate-coded balance adjustments. On XX/XX/XXXX, I contacted Cash App Support requesting clarification, I was advised it was being escalated to a specialty team for review and was contacted via email to confirm it was under review. I followed up again on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX, I have not received a follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
When I attempted to open a checking account, I was informed that there were existing accounts associated with my information that I did not authorize. These accounts were opened without my knowledge or consent. As a result, Im currently unable to open a new checking account. I am actively disputing the unauthorized accounts and taking the necessary steps to correct my banking and credit records.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: TN

Complaint narrative:
I am filing this complaint regarding the continued reporting of inaccurate, incomplete, and unverifiable debt buyer and collection accounts on my credit file. Despite formal disputes, the following companies continue reporting without providing competent documentation : World Acceptance Corporation These entities have failed to provide signed contracts, lawful chain of assignment, complete payment histories, or documentation establishing the Date of First Delinquency. This conduct violates : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher duty to investigate 15 U.S.C. 1692e False representation of debt I am requesting immediate deletion of all unverifiable tradelines and confirmation of compliance. Failure to resolve will result in further regulatory escalation and civil enforcement of my rights under 15 U.S.C. 1681n and 1681o.

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

Complaint narrative:
Received collection notice from credit reporting bureaus from Jefferson Capital debt collectors, LLC in the amount of {$180.00}. Debt is fraudulent and does not belong to me. Debt dispute sent to collection agency and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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 Systems International, Inc.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash App is withholding the remaining funds on my sons account. My account was closed due to XXXX so they stated which is untrue. But I am also the sponsor for my sons accounts. Their accounts have also been closed. We have called Cash App support over XXXX. Each time each representative tells you the same thing with no resolution. We can withdraw the funds using the Cash App card. We have tried and was unsuccessful. We can transfer the funds out to a debit card. This has also been unsuccessful. Which the same card we used to transfer the funds to will no permit us to do so because its linked to the closed account. They asked us to add another debit card. We did and it still didnt work. Then they said try another debit card ( like we just have tons of debit cards laying around ) so we borrowed a relatives and tried it and and then it said we linked too many debit cards. So Cash App representative told us to wait XXXX and try again. We waited and then tried again with no success. Called back and this time they told us to wait XXXX. Waited and no success. Also each time you call they have you start an appeal that has been denied. First time they notified us in an email. Next XXXX times no response. Asked to speak to a manager. The manager has to contact via email only to send the same prompts the representatives have been telling us to do. So here we are day XXXX with them still holding my sons remaining balance of over {$500.00} and still no resolution. And no plan as to how to fix it. One representative even said they could write a check and the next person said we dont do that. Each time you call you spend up to an hour on the phone doing there trouble shooting. So I have talked to these people over XXXX after all the calls

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
I am filing this complaint regarding the continued reporting of inaccurate, incomplete, and unverifiable debt buyer and collection accounts on my credit file. Despite formal disputes, the following companies continue reporting without providing competent documentation : Sunrise Credit Services , Inc . These entities have failed to provide signed contracts, lawful chain of assignment, complete payment histories, or documentation establishing the Date of First Delinquency. This conduct violates : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher duty to investigate 15 U.S.C. 1692e False representation of debt I am requesting immediate deletion of all unverifiable tradelines and confirmation of compliance. Failure to resolve will result in further regulatory escalation and civil enforcement of my rights under 15 U.S.C. 1681n and 1681o.

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Complaint Against Navy Federal Credit Union Improper Denial of Regulation E Claim On XX/XX/XXXXNavy Federal Credit Union sent a fraud alert for a {$47.00} authorization. We responded that it was not authorized. During the same phone call, we were informed of XXXX additional pending transactions totaling over {$2000.00} at XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX {$960.00}, XXXX XXXXXXXX {$140.00} We denied authorization for those transactions while they were still pending. Our debit cards were canceled immediately. We were not in XXXX at the time. These were card-not-present online transactions. No one-time passcode or authentication approval was provided by us. Provisional credit was issued and later reversed after Navy Federal concluded no error occurred, despite our immediate denial and the suspicious pattern already identified by their fraud system. We are requesting : 1. A copy of all documentation relied upon in determining authorization. 2. IP address and device data used in the transactions. 3. Explanation for why the {$47.00} transaction was deemed fraudulent but the larger transactions were not. 4. Reimbursement of returned payment fees and penalties incurred due to the reversal of provisional credit. We believe this investigation was not reasonable as required under Regulation E. Incident number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
b"In early XXXX, Gurstel Law Firm, P.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX began collecting an alleged\n credit card debt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX.\n\n On XXXX XXXX XXXX I sent Gurstel a formal written debt\n validation dispute via USPS Certified Mail (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to their XXXX XXXX MN\n office. USPS tracking confirms the letter arrived at the\n XXXX, MN Distribution Center on XXXX XXXX XXXX\n Gurstel acknowledged receipt by sending a response on\n XXXX XXXX XXXX\n\n Despite receiving my written dispute, Gurstel violated\n 15 U.S.C. 1692g(b) by continuing collection activity:\n\n - XXXX XXXX XXXX sent collection letter while dispute\n was open\n XXXX XXXX XXXX XXXX: sent written lawsuit threat demanding\n payment within 10 days\n\n On XXXX XXXX XXXX I sent a second written validation\n dispute to Gurstel's XXXX AZ office via Certified\n Mail. Gurstel received and signed for this dispute on\n XXXX XXXX XXXX confirmed by a signed USPS Return Receipt\n (XXXX XXXX XXXXn\n Despite receiving my second dispute, Gurstel continued:\n\n - XXXX XXXX XXXX sent another collection letter\n - XXXX XXXX XXXX filed a civil lawsuit XXXX XXXX XXXX XXXX XXXX XXXX, 32 days after receiving\n my second written dispute, while it remained open and\n unresolved\n\n I also filed a complaint with the XXXX XXXX XXXXXXXX XXXX XXXX regarding these same violations.\n\n I have USPS certified mail receipts, USPS tracking\n confirmation, and a signed return receipt card proving\n both disputes were received before Gurstel filed suit."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one is sending me promotions like this to me - open 360 checking account - do direct deposit and get {$300.00}. When i apply - my application is rejected- with no specific reason - go and ask XXXX XXXX XXXX Called them - same response- if capital one has to reject me - then why to send me the offers like this- this is targeted promotion with my name on it. Even after rejected - 2 days after that also I got another one. this is seriously disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noted an error for delivery preference. My screenshots and email confirmations from XX/XX/year> show that my delivery preferences were configured as follows : statements set to online delivery and notices set to mail delivery. I did not make any subsequent changes. Other Wells Fargo accounts under the same customer profile continue to reflect online-only statement delivery for statements. However, the recent checking account view now shows online and mail for bank statements, indicating that the delivery preference was changed without my knowledge or action. Also, the actual situation is that I did not receive any mail bank statements after XX/XX/year>. I closed the account because I do not trust the company. However, my concerns need to be addressed. I request that Wells Fargo conduct a thorough investigation into my account records, including verification of historical and current records, system-level or retroactive changes, and internal logs to tell me the reason for inconsistency. I expect detailed documentation of the investigation with attachments as evidence, rather than a brief letter or summary response. The work like fixing the preference or any others for this closed account will not address my concern.

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 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Previously submitted compliant and had the specific account removed from my XXXX However, now they are reporting on my XXXX account and I am not aware of any date and I have not received any calls or lettters from them to understand the debt could possibly be

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I had a reoccuring charge for XXXXXXXX XXXX XXXX go to my Amex account. When I got the new charges on XX/XX/year>. I immediately cancelled both accounts but they did not come off my AMEX statement. The next step was to open a dispute. Which I did. The dispute for XXXX was resolved and the charges were reversed. But when Amex reached out to XXXX XXXX said they told me how to close the account ( via the chat thread which AMEX sent me ) but they claim, I did not follow the steps. Amex asked me to write a letter by XX/XX/year> which I did. The letter stated " To whom it may concern : When I first saw the charge on my Amex account in XX/XX/year>, I closed the account the next day as per the instructions in the chat message sent. The chat said that since it was within 3 days of the charge, I would receive an immediate refund. In XXXX, Amex rebilled my account. I then tried to access the XXXX website to ensure the account was closed. When I tried to login with my XXXX, email and password, I received the error message attached that my account was closed. I do not feel like I should pay for a service, I can not use, I followed their instructions to close the account. '' Login message I received today for email XXXX and it is the same message I received on XX/XX/year> - " Your account is cancelled. Please contact us to reactivate '' Why should I pay a 1 year subscription for a cancelled account that I have not used and cancelled 5 months and 8 days ago

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/year> MIDLAND CREDIT XXXX XXXX XXXXXXXX [ XXXX XXXX, CA, XXXX RE : CEASE & DESIST / DEBT VALIDATION DEMAND - VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : [ Insert Account Number ] To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the CRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ). I am formally demanding the following documentation within 15 calendar days from the date of this letter : 1. The original signed contractor application bearing my signature showing liability for this debt. 2. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. 3. A copy of the bill of sale or purchase agreement showing your agency legally owns

Company response to consumer: Closed with explanation