vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against my bank regarding a denied fraud claim involving a XXXX transaction. I was deceived into sending money to a party that misrepresented themselves as a legitimate business. This was not a legitimate authorized transaction, but a scam under false pretenses. Despite reporting this promptly, my bank denied my claim and did not provide sufficient protection or a thorough investigation. I am requesting a full reinvestigation of this matter and reimbursement of the funds, as this situation constitutes fraud. I have also filed complaints regarding the recipient and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am filing a complaint regarding the handling of a billing dispute by Barclays. I made a purchase with XXXX XXXX XXXX in which bonus points were explicitly included as part of the contract. These bonus points were never delivered. Because the bonus points were a material part of the agreement, the merchant failed to fulfill the contractual terms. I disputed the charges with Barclays on the basis that services were not delivered as agreed. Although I contacted Barclays and requested an investigation, the issue remains unresolved. I am concerned that my dispute is not being properly handled under the Fair Credit Billing Act. This complaint is about Barclays ' handling of a billing dispute related to a transaction where contractual obligations were not fulfilled.

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 2026-03-17 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: United Revenue Corporation
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 my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting this complaint regarding a fraudulent account reporting on my consumer credit file. This account is the result of identity theft and was opened without my knowledge, authorization, or consent. Account Information : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$4300.00} I formally dispute the accuracy and validity of this account. I have never entered into any agreement with this company, nor have I authorized the use of my personal information for this account. Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), I am demanding that this fraudulent account be immediately blocked and removed from my credit file. Under this federal law, once a consumer provides an Identity Theft Report, the credit reporting agencies are required to block the reporting of any information resulting from identity theft within 4 business days. I have already filed an official Identity Theft Report with the Federal Trade Commission via IdentityTheft.gov, which is enclosed as supporting documentation. This report serves as legal proof that this account is fraudulent. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of disputed information. However, because this matter involves identity theft, the law is clear that blockingnot merely investigatingis required. Please be advised : This account is fraudulent It was opened without my consent It must not be verified, sold, or transferred It must be permanently removed from all consumer reporting agencies Failure to comply with federal law may result in escalation, including formal complaints and potential legal action for willful noncompliance under FCRA 616 and 617, including statutory damages. I request written confirmation that this account has been blocked and removed from my credit report. Attached is my proof of residence drivers license and ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ava Finance, Inc
State: IL

Complaint narrative:
I am requesting the immediate removal of the following account from my credit report : Ava Finance INC I do not recognize this account and did not authorize it. This account is reporting inaccurate and negative information that is harming my credit. I have previously been a victim of identity theft, and this appears to be a continuation of unauthorized activity. I have attached my FTC identity theft report as proof. I am requesting that this account be investigated and deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Company : Midland Credit Management , Inc. Account Number : XXXX I am filing this complaint against Midland Credit Management for failure to properly validate a debt and continued inaccurate credit reporting. I previously sent a formal debt validation request under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In response, Midland Credit Management provided only billing statements and account summaries. This does NOT constitute proper validation. They failed to provide : A copy of the original signed agreement bearing my signature A complete chain of assignment proving ownership of the debt A full payment history from the original creditor The date of first delinquency Proof they are legally authorized to collect in my state Despite failing to validate the debt, Midland continues to report this account on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Additionally, continuing collection activity without proper validation is a violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I am filing a complaint regarding mishandling of my federal tax refund by Credit Karma Money. The Internal Revenue Service ( IRS ) issued my XXXX tax refund via direct deposit on XX/XX/XXXX, to my Credit Karma Money account. This account had already been closed in XXXX. Instead of rejecting and returning the funds to the IRS, Credit Karma states that they issued a paper check to an old address that is no longer valid, as I moved in XX/XX/XXXX. I never received this check. Credit Karma refuses to provide any details about the check, including the check number, issuing bank, mailing date, or whether the check has been cashed. They also refuse to cancel the original check or reissue the funds to my current address. I have been told there is no way to escalate the issue. The IRS has confirmed that they have NOT received the returned funds, which indicates the refund is still being held by Credit Karma or its partner bank. At this time, I have no access to my refund, and Credit Karma is refusing to provide basic information or take corrective action. I am requesting that Credit Karma : 1. Provide full details of the issued check, including issuing bank and status ( cashed or uncashed ) 2. Immediately cancel the original check 3. Reissue the funds to my current mailing address This situation involves a significant amount of money, and I have made multiple unsuccessful attempts to resolve it directly with the company. I am requesting prompt assistance in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
i was a victim of fraud my email and bank account were compromised and i put in a fraud claim and navy federal refunded my money then wrongfully closed my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: PacificLife Servicing
State: SC

Complaint narrative:
My husband died on XX/XX/XXXX. XXXX and my bank XXXX XXXX sent an e-check for the premium of {$330.00} on XX/XX/XXXX. I tried to cancel it, but it was too late. Since my husband XXXX in XXXX and the policy ended, there was not a payment owed for XXXX. I have called XXXX times and spoken to XXXX different people trying to get a refund for that payment. I have gotten XXXX different stories at to why I am not receiving my money back and have been told XXXX different times and noone has ever called me back & now that they are saying that they did return the money, but they did not, it cleared my bank account on XX/XX/XXXX and there has been no deposit made or refunded.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I listed a rental property on XXXX. Within the XXXX XXXX XXXX portal, I received a message that appeared to be from XXXX 's " verification team '' requesting identity confirmation to prevent fraud. I was directed to an application that collected my name, Social Security number, date of birth, and address. I was then asked to provide my Revolut card number and to transfer {$300.00} to " fund verification. '' During this interaction, I noticed a series of rapid, back-to-back declined charges up to XXXX in quick succession followed by a {$220.00} charge that was approved. I immediately recognized this as fraudulent behavior and contacted Revolut. XXXX has since confirmed this was a known scam operating through their platform 's messaging system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: Synerprise Consulting Services, 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 my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am submitting this complaint to report a suspected fraudulent transaction involving XXXX XXXX XXXX and to request assistance in recovering my funds. I initially contacted the company, through a XXXX number listed on their website which displayed the companys logo and appeared legitimate. During the conversation, communication from this number abruptly stopped, and I was directed to continue using a second XXXX number. The second number was vague yet persistent. I placed an order through the companys website on XX/XX/year> and received a confirmation email which led me to believe the transaction was legitimate. I continues communicating through both XXXX and email. Based on instructions provided through these channels, I sent a payment of {$270.00} on XX/XX/year> to a number given to me, believing it was an authorized company payment method. I never received confirmation that my payment was received. The payment appeared to be sent to a personal number, which raised concerns. After repeated follow-ups, I decided email conformation that my order was cancelled, and I was told I would receive a refund within XXXX business days. It has now been more than XXXX business days, and I have not received my refund. I have made numerous attempts to contact the company via email and both XXXX numbers, but I have not received any further responses. I made the payment using XXXX XXXX through my PayPal account. Ive contacted both XXXX XXXX and PayPal to report the issue. XXXX XXXX was unable to assist, but PayPal gas indicated they will attempt to help recover my funds. Base on the lack of payment confirmation, the use of what appears to be a personal payment account, and the failure to issue a promised refund, I believe this may be a fraudulent operation. I respect request that this complaint be investigated and that assistance be provided to help me recover my {$270.00} and prevent similar incidents from affecting other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
On approximately XX/XX/XXXX I requested XXXX aka Alabama XXXX to stop charging PMI since I had reached my legal threshold of 80 %. The company denied my request siting a XXXX declared disaster area which had not affected anywhere near my home. I request a copy of their PMI policy, and they would not provide it. The company 's response to pay for a BPO or new appraisal costing anywhere from XXXX - XXXX which does not show as a requirement for removal of PMI. I initiated a complaint with the XXXX on XX/XX/XXXX but received the same response from the company even though they provided XXXX with evidence that I had met the 78 % required. I purchased my home on XX/XX/XXXX and once I start making payment, I included additional funds every month to meet my threshold sooner. Then in XXXX of XXXX I added a lump sum payment of XXXX and yet they are still charging me PMI. I feel this company 's practices are unfair and unethical and hope you can assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I AM XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MY OHIO DRIVERS LICENSE # XXXX CAN BE USED TO FURTHER VERIFY MY IDENTITY. I HAVE BUSINESS LICENSES AND XXXX XXXX LICENSES ON FILE WITH TRUIST, MY BUSINESS LICENSES AND XXXX XXXX LICENSES RUN THE DAY TO DAY BUSINESS OPERATIONS OF THE TRUIST FINANCIAL CORPORATION, IN ADDITION, I HAVE A XXXX XXXX XXXX ON FILE WITH THE TRUIST FINANCIAL CORPORATION, THIS/MY XXXX XXXX XXXXXXXX IS THE FOUNDATIONAL SUPPORT FOR THE OVERALL OPERATIONS OF THE TRUIST FINANCIAL CORPORATION. THE/MY BUSINESS LICENSES AND XXXX XXXX XXXX AND XXXX XXXX XXXXXXXX ARE SET WITH THE TRUIST FINANCIAL CORPORATION IN A FIDUCIARY CONTRACT THAT GUARANTEES ME BENEFITS AND PRIVILEGES. I AM THE HEIRESS TO THE TRUIST FINANCIAL CORPORATION WITH THE HEIRESS STATUS AND MY BUSINESS LICENSES AND XXXX XXXX XXXX I AM A CORPORATE EXECUTIVE WITH TRUIST WHO EARNS A SALARY PAYCHECK WITH EMPLOYEE BENEFITS AND PRIVILEGES. MY EMPLOYEE SALARY PAYCHECK HAS BEEN BLOCKED FROM ME AND MY EMPLOYEE BENEFITS HAVE ALSO BEEN BLOCKED. I HAVE REQUESTED INFORMATION ON MY CHECKING AND OR SAVINGS ACCOUNTS AND OR INVESTOR RELATIONS DIVIDEND CHECKS, I HAVE BEEN ADVISED THAT THE INFORMATION DOES NOT EXIST. MY EMPLOYEE BENEFITS AND MY EMPLOYEE SALARY PAYCHECKS HAVE ALL BEEN WITHHELD FROM ME. MY MEDICAL BENEFITS HAVE ALSO BEEN WITHHELD FROM ME.I HAVE REQUESTED LOANS THROUGH TRUIST FINANCIAL CORPORATION BANKS BASED ON MY ASSETS THAT ARE ON FILE, I HAVE BEEN DENIED ALL LOANS, I HAVE MADE SEVERAL ATTEMPTS AT OPENING A NEW CHECKING ACCOUNT TO HELP VERIFY MY CURRENT ACCOUNTS, I HAVE BEEN DENIED EVERY REQUEST. I HAVE BEEN IN CONTACT WITH INVESTOR RELATIONS FOR THE TRUIST FINANCIAL CORPORATION REQUESTING MY DIVIDEND CHECKS, THERE IS NO RESPONSE, PLEASE BE ADVISE THAT THIS TROUBEL FOR ME WITH TRUIST FINANCIAL HAS BEEN ONGOING FOR SEVERAL YEARS. I EXPEREICNED THIS SAME TROUBLE BEFORE THE MERGE WHEN SUNTRUST OPERATED ALONE. I HAVE REQUESTED A DEBIT CARD FOR MY CHECKING AND SAINGS ACCOUNTS, THE CORPORATE EXECUTIVE WILL NOT RESPOND AND THEY WILL NOT ACKNOWLEDGE MY HEIRESS EMPLOYEE STATUS. PLEASE CHECK WITH THE UNITED NATIONS SECURITY COUNCIL IN NEW YORK AS THEY CAN VERIFY MY STATUS WITH THE TRUIST FINANCIAL CORPORATION. PLEASE VERIFY MY BUSINESS LICENSES AND XXXX XXXX XXXX WITH THE CORPORATE ATTORNEYS.

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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: NY

Complaint narrative:
I keep getting multiple self financial/lead bank on my credit report that I did not sing up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Payment was sent for this account on XX/XX/year> through InCharge Debt Solutions ; however, Bank of America states that payment has not been made and payment is due as of XX/XX/year> for account ending XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief