vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account Information Being Disputed : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX LEGAL BASIS FOR DISPUTE This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681c-2 - Requires credit reporting agencies to block and remove information resulting from identity theft 15 U.S.C. 1681i - Requires a reasonable reinvestigation within 30 days 15 U.S.C. 1681e ( b ) - Requires maximum possible accuracy of reported information Because this account is fraudulent, it must be immediately blocked and removed from my credit file.

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a formal complaint against Citibank regarding deceptive advertising practices, failure to honor a promotional offer, and failure to provide timely responses after escalation. On XX/XX/XXXX, I received a promotional pamphlet during an XXXX XXXX flight advertising an offer of XXXX bonus miles after {$1000.00} in spend within XXXX months, provided I applied by XX/XX/XXXX. The same day I received the promotion, I applied in good faith reliance on this offer. However, my account was instead enrolled in a different promotion requiring {$3500.00} in spend for the same bonus. When I initially contacted Citibank about this on XX/XX/XXXX, I was instructed to submit documentation, including the pamphlet and promotional code, which I did immediately. Despite providing this documentation, I was sent a letter dated XX/XX/XXXX, that informed that the offer would not be honored because it was not a targeted promotion displaying my name and address. This reasoning is unreasonable, as the promotional material was distributed in-flight to passengers and clearly intended for general solicitation. On XX/XX/XXXX, I called them again and escalated the call to a supervisor that agreed with me and tried to escalate the issue for me. I then received another letter, dated XX/XX/XXXX, that gave me the same unreasonable answer to why they would not honor the promotion On XX/XX/XXXX I called again and escalated to a manager and there was still no resolution. That same day I sent an escalated email on the matter to their executive team, requesting correction of my account. After receiving no response, on XX/XX/XXXX, I sent another email to Citi and CCd their parter, XXXX XXXX. On XX/XX/XXXX, Citibank responded stating they would provide a response within XXXX calendar days. As of XX/XX/XXXX, this deadline had passed without any resolution or meaningful response. This pattern demonstrates : Misleading and deceptive promotional practices Failure to honor advertised terms Failure to adhere to stated response timelines Poor and inconsistent customer communication I have spent significant time attempting to resolve this issue directly with Citibank, without success. I am requesting : 1. That Citibank honor the originally advertised promotional terms of XXXX bonus miles after {$1000.00} in spend, OR 2. That appropriate corrective action be taken to address these deceptive practices I respectfully request your assistance in reviewing this matter and helping to bring about a fair resolution.

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 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was in the process of applying for a VA loan. I had a single 30 day late payment on my account that I didnt dispute, but asked if I could have a goodwill deletion of the status. Although she said she would remove it, I received a mailed response to the contrary and they have marked my credit file with a dispute worsening my situation with my mortgage lender then when I started. I have asked them to remove the dispute comments as I was not at the time or ever in dispute. Although the customer service rep indicated that she would, this company has once again refused and has repeatedly acted in bad faith. I did not knowingly dispute this account and would like the comments 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 non-monetary relief
Consumer complaint received 2026-04-21 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: CA

Complaint narrative:
Midland Credit Management Inc. is reporting an alleged collection account of {$830.00} on my credit reports with a fraudulently re-aged " Placed for collection '' date of XX/XX/XXXX despite the underlying alleged debt 's delinquency predating that date by years. This constitutes deliberate re-aging in violation of FCRA 623 ( a ) ( 5 ). XXXX 's XX/XX/XXXX investigation results confirmed XXXX Bank as the original creditor for this account. Simultaneously XXXX shows No Information for the original creditor on the same account. Midland Credit Management is reporting different original creditor information to different bureaus confirming XXXX Bank to XXXX while providing No Information to XXXX. A furnisher that can not consistently identify the original creditor across bureaus can not be verified as accurately reporting this alleged account under FCRA 611 ( a ). This alleged debt is time-barred under California Code of Civil Procedure 337. The four-year statute of limitations has expired. I submitted formal written disputes to all three credit bureaus via certified mail delivered XXXX XXXX XXXX XXXX completed their reinvestigation on XX/XX/XXXX and verified this account despite the documented cross-bureau inconsistency in original creditor reporting. I am demanding immediate deletion of this alleged account from all three credit bureau files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was robbed at XXXX and XXXX whipped with a XXXX. The assailant forced me to give over my wallet and my cell phone and made me unlock the phone before he took it. I filled out a police report. I provided the police report to the bank and they did not process. It did not review it, and somehow turned around and determined that I was associated with the transactions and that I had violated user agreements with the cash app policy and procedures, and they closed my account. They have not finished reviewing and investigating the previous fraud claims that I had opened and I can not figure out why all of a sudden when I file a fraud claim I get thrown under the bus and told that I was involved with it or associated with it and my account gets closed, but I was the one that was held at gunpoint and assaulted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: Kriya Capital, LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as CREDENCE RM - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MA

Complaint narrative:
I opened a secured credit card and provided a security deposit. The account has been closed for over 60 days, the card was never used, and no balance is owed. The bank has failed to return my deposit and has not provided a valid explanation. I am requesting the immediate return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as AFFIRM INC XXXX XXXXXXXX, AFFIRM INC - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
Since the timeI 've opened my checking account with HSBC Bank XXXX as a XXXX XXXX XXXX, I've been assigned a XXXX debit card, which I've received and activated and set pin by calling the card activation line as per the instructions shared. I've also taken the card to local XXXX ATM where I am able to do transactions like withdrawal or Balance Enquiry. However, when I am trying to use the card online thorough any merchant or ecommerce store where its mandatory to undergo my card transaction through XXXX 's IDCheck, where I am supposed to receive an XXXX time password on my registered mobile number with the bank, this is where I am not receiving the same on my mobile. This is a persistent issue from the very first day my account was opened, and to resolve the issue I've tried working with the bank on every possible ways including XXXX time replacement of my debit card and and trying with a new debit card, but the issue looks same. I've uploaded the screenshot of the error I've been facing and every-time I am calling the bank, they are saying they have updated the same. However I still don't see its working. I feel like bank 's customer service offering is limited and i am now struggling within a loop with the issue seems never ending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I paid {$29.00} and {$69.00} on XX/XX/year> for digital services from the same merchant through PayPal. The {$69.00} charge was presented as a Lifetime Membership. After I paid the {$69.00} charge, I had no usable credits available and could not perform any searches or obtain any reports through the paid membership. Prior free-trial lookups were applied against the paid balance, which left the paid service with no usable value at the time of purchase. I contacted the merchant directly to request access and clarification. The merchant responded that they were unable to locate my account, which prevented access, management, or cancellation of the service. I disputed the charges with PayPal. PayPal reversed the related {$29.00} charge from the same purchase flow, but denied the {$69.00} charge. PayPal stated that I had used the service on XX/XX/year>. That activity corresponded to the free trial period before payment, not use of the paid membership after the {$69.00} charge. After I filed the PayPal dispute, the account was no longer accessible. Even if the service had been cancelled, access should still have remained available for the paid period. It did not. At no point after payment did I have usable access to the paid service. Despite this, PayPal debited my account and left me with a negative balance for a service that was never delivered in a usable form. I am requesting review of PayPals dispute handling and correction of this account-level harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
I am submitting this complaint against American Credit Acceptance ( ACA ) for their failure to investigate identity theft, their mishandling of my payments, and their wrongful repossession of my vehicle twice, despite my repeated attempts to notify them of fraud. Their actions ultimately forced me to file XXXX XXXX bankruptcy in order to recover my vehicle. Summary of the Issue I am a victim of identity theft and payment redirection fraud. I made my required auto loan payments, but those payments were fraudulently intercepted and redirected without my authorization. I notified ACA of this on XX/XX/XXXX. Instead of investigating, ACA : claimed they do not have a fraud department, stated that the FTC Identity Theft Report I submitted was blank, failed to request additional documentation, failed to conduct any investigation, failed to freeze or protect the account, continued collection activity, and repossessed my vehicle twice while the account was under dispute. Timeline of Events XX/XX/XXXX I notified ACA of identity theft and misdirected payments. XX/XX/XXXX XXXX repossessed my vehicle for the first time. XX/XX/XXXX XXXX repossessed my vehicle a second time. XX/XX/XXXX XXXX sent a letter stating my vehicle would be sold on XX/XX/XXXX at a private sale. After XX/XX/XXXX I was forced to file XXXX XXXX bankruptcy to stop the sale and recover my vehicle. Violations I believe ACA has violated multiple consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) Identity Theft Prevention Act CFPB servicing and investigation requirements Reasonable dispute investigation standards Bankruptcy protections, due to actions that forced me into filing ACA failed to investigate a legitimate identity theft claim, continued collection activity during an active dispute, and repossessed my vehicle twice without resolving the fraud. I am prepared to provide supporting documents, including my FTC Identity Theft Report, proof of payments, bankruptcy filings, and any other materials needed. Thank you for your attention to this matter. Sincerely, XXXX XXXX Their refusal to investigate or protect my rights directly resulted in severe financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I had a situation where I had some fraudulent charges posted to my account. Cash App said they did an investigation and found that they were fraud and they issued me a credit several credits actually on what they claim that they issued them on XX/XX/16. When I received the notification that these credits were supposed to be posted then I reviewed my bank account or my Cash App account and only defined that there were absolutely XXXX transactions that had anything to do with credits refunds anything on the XXXX after I called Cash App and sat on the phone for a couple of hours arguing back-and-forth that these things were not posted to my account. I did not receive any refund from any vendors on the XXXX and provided them a copy of their screenshot or provided them a screenshot showing that this is in fact that not the case they then proceeded to tell me that I could not see them, but they could, which is just absolutely ridiculous. They sent me a screenshot of their system and their ledger and it still does not show a true refund it says a dispute, but it does not specifically list it as a refund and they will not investigate any further. They will not talk to me on the phone about it, and I have proof that I did not receive these refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: PINNACLE FINANCIAL PARTNERS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX XXXX XXXXXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app is constantly ignoring my request to a Right to Refund and ignoring the enforcement action by CFPB to settle my disputes for a documented fraud/scam that has been going on for 5 years.They are repeating the same outcome as Terms of service as a resolution to disputes and constantly ignoring the stated policies of a Right to refund and their updated recognition of fixing fraudulent claims by customers enforced by CFPB settlement XXXX I have constantly tried to fix this with the complaints department and they are repeating the same resolution as resending additional documentation which i have already multiple times and saying that i didnt file my dispute within 60 days which i did immediately after this happened. This is becoming a constantly misleading by Cash app as they have all documentation i submitted and refuse to resolve this amicably.These disputes are not getting resolved correctly and Cash app continues to ignore the enforcement and the policy for a Right to refund. These claims are for a service i never received from XXXX XXXX and XXXX XXXX totaling {$3300.00} and was scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNT! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' FREEDOM MTG - 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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' AFFIRM INC - XXXX AFFIRM INC - XXXX AFFIRM INC - XXXX

Company response to consumer: Closed with explanation