vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year>, a direct deposit of {$170.00} from my employer was returned to the originator. Before that, I had a pre-existing balance of {$81.00} in my Cash App account. After the deposit was returned, my account showed a negative balance, and Cash App support has confirmed they will not manually release or offset my {$81.00} balance. They require me to add money to the account before I can withdraw, which is impossible because my account is suspended. I am requesting the immediate release of my {$81.00} balance or instructions to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, a {$25.00} debit card transaction was charged to my Capital One checking account for a XXXX purchase at the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX location. 

The merchant failed to provide over half of each meal ordered. When I immediately questioned the order and requested the missing food I was told I would need to pay for more food. I then asked for a refund, XXXX employees took my receipt, refused to return it, refused to provide the missing items, refused to issue a refund, and refused to allow me to speak with a XXXX or provide their names. 

Because the merchant physically took the receipt, I was prevented from retaining it. I submitted a debit card dispute with Capital One explaining these facts and providing proof of purchase via my bank statement. Despite this, Capital One denied the dispute without proper consideration, effectively penalizing me for the merchants misconduct. 

I escalated this issue to Capital One XXXX level on XX/XX/year>, including written correspondence requesting reinstatement and proper investigation of the dispute. I reached out again today, XX/XX/year> and have received no response. 

This is a clear case of goods not provided and an improperly handled debit card dispute. Capital One failed to conduct a reasonable investigation or correct the transaction. 

What I am requesting : XXXX. Reinstatement and proper investigation of the debit card dispute XXXX. Correction of the transaction and refund of the {$25.00} charge XXXX. Written explanation of XXXX XXXX  dispute handling and denial Evidence available : Bank statement showing the {$25.00} charge Written dispute and escalation correspondence Merchant refusal to refund or provide goods

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I requested a contract that I signed stating that I am liable for the debt. Target/TD I would like this removed from my credit report if they are not able to provide the written contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IN

Complaint narrative:
Went to send my bitcoin i bought through cashapp and they refuse to let me send no reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: TX

Complaint narrative:
I received a call from phone number ( XXXX ) XXXX stating they were a rep from Citibank NY headquarters fraud dept. They stated a card was issued in my name to make firearms purchases in New York. Below is the information I was given : XXXX NY headquarters Citibank NY legal dept fax # ( XXXX ) XXXX Notification unit : Citibank NY headquarters fraud dept Case # CCF XXXX Credit number for double cash reward card : ending in XXXX Card issue date : XX/XX/year> Card application date : XX/XX/year> Card application method : Citibank official website online application Transactions location : XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Transaction amount : {$1700.00} Transaction type : High risk transaction Shipping address of credit card : XXXX XXXX XXXX. XXXX XXXXXXXX XXXX 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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: KY

Complaint narrative:
Charles Schwab has restricted access to my account and deposited funds following an ACH transfer from my XXXX brokerage account.

Schwab requested documentation of the ACH transfer, which I provided. Schwab later stated that the documentation was not logged and has repeatedly demanded resubmission without acknowledging internal mishandling or providing a reliable intake method. 

My account remains locked, I have XXXX access to my funds, and Schwab continues to require phone calls for any information while offering no written updates, resolution timeline, or confirmation of review.

Schwab representatives have acknowledged that prior phone calls could be reviewed but have failed to conduct that review or restore access. I am being required to repeatedly re-verify my identity while my funds remain inaccessible.

This prolonged restriction and lack of communication has caused financial harm. I am requesting immediate restoration of access to my funds and a written explanation for the delay and handling of my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: NY

Complaint narrative:
This issue involves more than one company. I am submitting this complaint to document the situation and request that each company involved review its role and provide clarification or correction as appropriate. I experienced issues related to my financial accounts involving more than one company within the past few months. I do not recall the exact dates. 

I have not contacted the companies directly prior to submitting this complaint. I am seeking clarification and a formal review of how my accounts were handled. 

I am requesting that each company involved review my account activity and provide a clear written explanation and correction if applicable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Figure Technologies, Inc
State: IL

Complaint narrative:
I am submitting this response to supplement my CFPB complaint and to address inaccuracies in Figure Lending LLCs response dated XX/XX/year>. 

Figures response states that a prior explanatory response and supporting documentation were mailed to me on XX/XX/year>. I formally dispute that assertion. I did not receive any correspondence from Figure on or around XX/XX/year> : by XXXX mail, email, online account message, or any other method. I have no record of receipt, and no such documents appear in my Figure online dashboard. 

The first and only communication I received in response to my CFPB complaint was the email dated XX/XX/year>, with attachments. 

Because I did not receive the alleged XX/XX/XXXX correspondence, I dispute any claim that the issues raised in my complaint were previously explained or resolved. XXXX on an undelivered communication undermines Figures response and deprived me of the opportunity to review or respond before Figure submitted its CFPB filing. 

I am requesting : Proof of delivery of the alleged XX/XX/year> correspondence ( method, address used, date sent, and any tracking or system logs ) ; A complete copy of the alleged XX/XX/XXXX correspondence and all enclosures ; and Correction of the CFPB record if Figure can not substantiate delivery. 

I respectfully request that the CFPB require Figure Lending LLC to substantiate its claim of delivery or correct the record accordingly. Until such proof is provided, Figures assertion that the matters raised were previously disclosed or resolved is inaccurate. 

I reserve all rights related to lack of notice, due process, and compliance with applicable federal and state consumer protection laws, and I request that this complaint remain open pending Figures substantiated response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I paid this debt off over 4 months ago and keep asking them to remove the account/stop reporting it negatively to credit bureau and I asked for proof that it was paid off in full but no responses.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal deactivated my account on XX/XX/year> without any notice or reason. They are holding my available balance of {$1100.00} until XXXX. I have not had any suspicious activity on my account and I notified PayPal that all payments are related to product reviews ( acceptable activity according to their policies ). Earlier this year they deactivated my personal account as well. They told me to conduct business on a business account and that I wouldn't have any problems. So that's what I did and now they are holding my money XXXX without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent a ZELLE transfer from XXXX of my accounts to another. The Zelle message stated the money would transfer instantly. After I initiated the transfer, I then learned it would take XXXX business days. Yesterday ( XX/XX/year> ), the app stated the latest the transfer would be available is XX/XX/XXXX. I reached out to XXXX  XXXX XXXX, where the money is going and XXXX XXXX, where the money is being sent from. None of the agents were able to help. They stated it was a Zelle issue. I reached out to Zelle. They stated its their policy. Today I logged in to check the status of the payment transfer and it started, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to dispute the following incorrect information on my credit report. This item is showing inaccurately on my credit profile. Pursuant Fair Debt Collection Practices Act 15 U.S.C. 1692g. You must delete this account unless you can provide me with the following : 1. The Original Signed Agreement 2. Complete Chain of Title 3. Full Account History and validation 4. Forward Flow Agreement 5. Affidavit that you are the legal owner of this debt Be advised since you reported this account without first providing validation you may already be in violation of federal law. Until you can provide proper validation you are required to cease all collection activity and cease reporting this account to any consumer reporting agency, Failure to provide the above documents will be taken as your acknowledgment that you can not substantiate this debt at which point you must delete the tradeline from all credit agencies to which you have furnished this information to. If you continue to report or attempt to collect this alleged debt without validating I will have no choice but to pursue all available remedies of filing complaints with the FTC, My State Attorney General and considering civil action for statutory damages. This is not a refusal to pay, but a notice that your claim is disputed in it's entirety Govern yourself accordingly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Credit Service is reporting a {$77.00} collection account ( Acct # XXXX ) on my credit report, and I was never sent proper notice, never informed of my right to dispute, and never provided validation before this account was furnished to the credit bureaus. Reporting a collection without first providing notice and an opportunity to dispute is a direct violation of the FDCPA. 
I have done extensive research on debt collection laws and I am fully aware that each violation of the FDCPA carries statutory damages of up to {$1000.00} per violation under 15 USC 1692k. Despite this, Sunrise Credit Service has continued to report derogatory information without ever validating the debt.

Proper validation requires more than simply stating an amount owed. Sunrise Credit Service failed to provide : Proof of ownership or assignment ( chain of title ) An itemized breakdown of the alleged balance Documentation supporting the date of first delinquency Proof that the debt is legally owed by me Proof that the information being reported is accurate and complete Documentation relied upon to verify the debt Continuing to report an unvalidated debt is misleading, unlawful, and violates FDCPA 1692g, FCRA 1681e ( b ), FCRA 1681s-2 ( b ), and XXXX accuracy standards.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This is a second complaint against CITI Simplicity MasterCard. Their customer service phone number on the back of the credit card is XXXX The company name is not listed on page 5, that's why I put the information here.

I did a balance transfer from Citi to another credit card, since I am disgusted with Citi 's poor business practices, willingness to work with customers. This is now the second complaint I'm filing against them since XX/XX/XXXX. 

The XX/XX/XXXX statement was listed as XXXX. 
The balance as of XX/XX/XXXX was {$2400.00} The due date was XX/XX/XXXX The balance transfer payments from the new credit card to Citi were : XX/XX/XXXX XXXX 's XXXX {$4.00} XX/XX/XXXX payment {$2000.00} XX/XX/XXXX payment {$440.00} ________________________________ = {$2400.00} ( * * * * * Again, this amount was NOT DUE UNTIL XX/XX/XXXX Therefore on XX/XX/XXXX, MY BALANCE WAS XXXX, I OWED NOTHING!!!!! 

However, that didn't stop Citi from sending me an inane statement for XXXX alleged billing period XXXX with a " new balance '' as of XX/XX/XXXX for {$12.00} I was unaware of this, until XX/XX/XXXX and I immediately called Citi to XXXX why I was being charged interest on a XXXX balance that was paid in full BEFORE the XX/XX/XXXX due date. 

The customer service rep said it was residual interest, that he didn't have anyway to remove it, but would transfer me to his supervisor for them to remove it. 

Mind you, I didn't ask for the supervisor, the XXXX automatically transferred me. 

The supervisor was nothing but a miserable XXXX who refused to remove the {$12.00} and even LIED to me claiming I didn't pay before the due date! 


I have my credit card statements PROVING that the entire {$2400.00} balance was paid in full on XX/XX/XXXX, WELL BEFORE THE XX/XX/XXXX due date. 

Since he refused to cooperate, I told him to immediately close my account. Then Citi further scams me in sending me another idiotic statement claiming I owe XXXX The alleged the billing period was XXXX, with a new balance of {$13.00} due XX/XX/XXXX. 

Although I paid the {$12.00} on XX/XX/XXXX, they CONTINUE TO CHARGE ME INTEREST ON A XXXX BALANCE ON A CLOSED ACCOUNT, I WANT MY MONEY REFUNDED AND THEY ISSUE A WRITTEN APOLOGY SHOWING I OWE NOTHING!!!!! 

This company is nothing but a freaking scam! 

My balance was at XXXX on XX/XX/XXXX. I OWE THEM NOTHING, THEY OWE ME A REFUND OF {$13.00}

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 2025-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgage, loss mitigation result was to convert my 30 year % 4.5 VA loan to a 40 year % 6.5 loan. This was the only option available to me for being offered an3 month forbearance plan due to the government shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year>, my account was signed in by someone else and {$5400.00} was removed from my account in increments of various small amounts. There were over 199 transactions that took place on that day. This all happened before I woke up that morning. 

I believe the company or website XXXX XXXX XXXX be responsible for this situation. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: Lendmark Financial Services
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 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to provide an explanation regarding a hard inquiry that appears on my credit report from XXXX XXXX XXXXXXXX This inquiry was made without my knowledge or permission and may be the result of identity theft. I have taken steps to protect my identity and have filed a report with the Federal Trade Commission ( FTC ) and/or local law enforcement. I respectfully request that this inquiry be removed from my credit report as it was not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I disputed the debt in writing. Sequium Asset Solutions acknowledged receipt of my dispute in a written response dated XX/XX/year>, and stated it was working to obtain information and submitted a deletion request. Sequium did not provide validation and continued to report the disputed account on XXXX and XXXX. After continued reporting without validation, I sent a follow-up written notice advising Sequium that the account remained in violation. Sequium did not respond, and the account continues to report. Despite acknowledging receipt of my written dispute, the account has continued to report without validation, which raises a concern under the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 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: CAINE & WEINER COMPANY, 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 XXXX  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