vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email from Capital One saying that my credit limit decreased. When I try XXXX access my account on the app, it said that they needed XXXX verify my information into call Capital One. I tried XXXX login on the website XXXX receive the same message. So I called Capital One. I was placed on hold XXXX transferred over the period of XXXX hour XXXX the matter was left unresolved. I called again XXXX was transferred multiple times and then hung up on after being on the phone for nearly XXXX hour. I called back again another day XXXX was transferred multiple times XXXX seem XXXX finally be getting some answers. Capital One reported that somebody was trying XXXX create a new profile using my Social Security number under a different name. They would not provide me with specific details, but suggested that I file a police report XXXX that the fraud investigation team would be contacting me within a month. XXXX they also told me that I would regain access XXXX my Capital One online account within XXXX hours. I continue XXXX check XXXX see if I would get access XXXX my Capital One account XXXX have not been able XXXX. I called Capital One after XXXX hours XXXX was told that I would not be getting access XXXX my account until the fraud investigation was complete. I can not make payments on the app or over the phone they told me that I would have XXXX mail a payment. My due date is today. I dont want this affecting my credit. Theyre offering no solutions XXXX I keep getting different information from different XXXX. XXXX not sure if they even understand how XXXX resolve the issue honestly XXXX this is impacting my financial situation as well as potentially affecting my credit if XXXX unable XXXX make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TN

Complaint narrative:
I created a bitcoin withdrawal on XX/XX/year> for {$1900.00}. I was told they had to complete a 2-day review. No review has been conducted after 7 days, no information or update has been given on the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I was issued an official check on XXXX XXXX and the check is damaged. I came into bank at about XXXX XXXX to put in request for a reissue and they told me to call customer service. I called customer service XXXX and she does not know what to do. I can not cash the check due to damage

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: WV

Complaint narrative:
There was no option in the menu that pertains to me so I had to select one, however, here is my complaint which I believe to be thorough and accurate : I am submitting this complaint regarding CBE Group and its handling of a collection account that was recently reported to my XXXX credit report. After being contacted regarding the account, I made a good-faith effort to resolve the matter. Before making any payment arrangements, I contacted the original creditor, XXXX XXXX, to determine whether the debt could be resolved directly. When I learned that I could not resolve the debt through the original creditor, I immediately attempted to contact CBE Group to discuss the account. However, I was unable to reach a live representative. My calls were routed through an automated system, and the voicemails I left were never returned. As a result, I was unable to discuss payment, settlement, validation, or any other resolution options with the company despite my efforts to do so. I was surprised to later discover that the account had been reported as a collection account on my XXXX credit report. Had I been given a reasonable opportunity to communicate with a representative and resolve the matter, I would have done so. I am requesting that CBE Group provide a detailed account history, including the dates of all communications, the date the account was received, the date it was reported to the credit bureaus, and an explanation of what opportunities were available to resolve the account before reporting occurred. I am also requesting that the company review the circumstances surrounding this account and consider removal of the collection tradeline in light of my good-faith efforts to address the matter before it was reported. Thank you for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: TX

Complaint narrative:
Signed up for a checking account on XX/XX/XXXX at https : //www.chime.com/join/promos/intro-offer-v3/?/? ad=dmail_postie_IO_postcard_350_0426 & utm_source=web & utm_medium=mailer & utm_campaign=dmail_postie_IO_postcard_350_0426 which states a {$350.00} sign up bonus for qualifying direct deposits. $ XXXX direct deposit within 30 days for {$100.00}, the an additional {$100.00} for a $ XXXX deposit the next calendar month, then a final {$150.00} for a $ XXXX direct deposit in the third month. I set up a direct deposit of my paycheck for {$200.00} every two weeks, the first was deposited XX/XX/XXXX. As of today I haven't received the first {$100.00} bonus. When I called them they told me I didn't have that offer on my account, but that is the webpage I created an account through and I have met the offer rules. I quick internet search shows this is a common practice to bait and switch new customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Incomplete response to request under 15 U.S.C. 1692g ( b ) Alleged Account : XXXX Dear Sir or Madam : This letter responds to your recent communication, in which you sent a bank statement as a response to my formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Let me be absolutely clear : A bank statement is NOT valid proof of a debt under federal law. Said document does not constitute : Proof of an original contract signed by me A complete chain of title ( full chain of title ) Proof that you are a Holder in Due Course under UCC Articles 3 and 9 Any transfer documentation pursuant to 15 U.S.C. 1641 ( g ) ( TILA ) Any identification in a Pooling and Servicing Agreement, if it was securitized Your failure to comply with my original request constitutes an intentional violation of my rights as a consumer. In fact, your insistence on reporting this account without complete validation is a violation of the following federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
On XX/XX/year>, the credit card called XXXX, their website is down again!!! This is extremely illegal XXXX prevent me from seeing my account, making payments, etc!!! XXXX them!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
In XXXX XXXX, I was Preapproved by XXXX XXXX XXXX for an XXXX XXXX XXXX XXXX The XXXX was completed on XXXX with no problem. But XXXX I received a bill from XXXX XXXX XXXX stating that XXXX was denied by insurance company. I called XXXX XXXX XXXX and spoke with XXXX XXXX and was told that they would refill claim and that they do not do any procedures without prior approval and this was approved but now i am receive collection notices from LCA Services I also called XXXX XXXX XXXX to have them reach out to XXXX XXXX to refill claim. But it was turn over to LCA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 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: CA

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. Please Remove/ Deleted the following Items. XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$320.00}

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 non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, PayPal permanently restricted my account and informed me that I could no longer use PayPal services. At the time of the restriction, my account held a balance of {$30000.00}. After receiving notice of the restriction, I contacted PayPal and requested a detailed explanation for the decision, information regarding the hold on my funds, and an opportunity to appeal or have the matter reviewed. PayPal informed me that the restriction was permanent, that I was not eligible to appeal, and that my funds would be held for 180 days. A significant portion of the funds in my PayPal balance is required for ongoing business obligations, including ad spend and payments to suppliers. The inability to access these funds has disrupted my ability to meet these obligations and continue normal business operations. Despite my requests, PayPal has not provided a specific explanation identifying the reason for the permanent restriction or a clear basis for withholding the funds for 180 days. As a result, I currently do not have access to {$30000.00} held in my account. I am requesting that PayPal review its decision, provide a clear explanation for the restriction, and release my funds to my linked bank account or another available withdrawal method if there is no legal or regulatory basis requiring continued withholding of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
This letter is being sent to you in response to : XXXX XXXX ( XXXX ) - Notice sent to me on XXXX - Response to a listing on my Credit Report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX XXXX I attempted to deposit {$5000.00} in cash at an ATM located at XXXX XXXX XXXX, XXXX XXXX, New Jersey. The ATM accepted the cash but did not credit the funds to my checking account. The ATM terminal number was XXXX. On the same day, shortly before going to the TD Bank ATM, I withdrew {$5000.00} in cash from my XXXXXXXX XXXX account. I have attached proof of this withdrawal as supporting documentation showing the source of the cash that I attempted to deposit. I reported the issue to the bank immediately and a dispute was opened ( Dispute No. XXXX ). Since then, I have made multiple follow-up calls to request updates regarding the investigation. However, I have not received a meaningful status update, explanation, or resolution. The missing deposit represents a significant amount of money. The bank has access to ATM transaction logs, cash reconciliation records, maintenance records, and any available surveillance information that can be used to determine what happened to the funds. Despite my efforts to resolve this matter directly with the bank, the issue remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
My taxes and insurance went up {$890.00}. That's not even {$75.00} over 12 months. Rocket mortgage increased my payment from {$2900.00} to {$3100.00} plus. The {$75.00} a month should cover the shortage and any future amount unless something changes. Why should I have to pay more at this time when we dont know what the future holds. If there is another increase in the future it should be addressed, then. I have asked to pay my own taxes and insurance, but I am refused. Im told I have an FHA loan. I receive no fha benefits. Fha loans provide some benefits in the beginning of the loan like lower down payments required. Im way past all of this. I used to have to pay pmi until a certain loan to value was met. I accelerated payments on this mortgage and Rocket does not reflect that actual amounts nor offer to remove escrow. My loan was modified during its existence. There is no reason to hide behind some loophole to keep overcharging me for escrow. They refuse to run escrow analysis at customers ' requests. Why is that? Their customer service employees are dismissive, rude, and liars. I was told an analysis was done on XX/XX/XXXX. On XX/XX/XXXX XXXX states last analysis was done on XX/XX/year> so several employees are liars. I sent in some escrow payments to reduce the mortgage, but they are not reflecting these payments. It seems they are always sucking money from their customers. I have a fixed rate mortgage that everything but stay fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I submitted a timely Debt Validation Request to Qualia Collection Services in XX/XX/year>. They ignored it until compelled to respond via CFPB Complaint ID : XXXX. The Violation : On XX/XX/year>, Qualia responded to that complaint, stating they did not currently have the verification but would " send proof '' at a later date. However, despite admitting they lacked validation, Qualia immediately reported this unverified, disputed debt to XXXX. Federal Law Breached : Under the FDCPA ( 15 U.S.C. 1692g ), a debt collector must cease all collection activitiesincluding credit reportinguntil verification is obtained and mailed to the consumer. Reporting an unverified debt after a dispute is a willful violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
I paid for a service thru Chime Bank and never received the product. Company never reached back to me. Requested refund still no refund and Chime will not issue my dispute for a refund.

Company response to consumer: Closed with explanation