vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing a debt collection account ( ending in XXXX, Resurgent ID XXXX ) being pursued by Resurgent Capital Services L.P. on behalf of LVNV Funding LLC. The original creditor is XXXX XXXX XXXX XXXX ( XXXX XXXX ). This account is the subject of an Identity Theft Report filed with the Federal Trade Commission at IdentityTheft.gov. Under 15 U.S.C. 1681c-2 ( FCRA 605B ), once an Identity Theft Report is filed, a debt collector must cease collection activity and block reporting of the account. Despite this, Resurgent has continued collection activity. Their XX/XX/year> response improperly demanded that I produce police reports, court records, and a notarized affidavit before they would investigate shifting the burden of proof onto me in a manner inconsistent with FCRA 605B. Their XX/XX/year> " verification '' consisted solely of an internal account summary prepared by Resurgent itself not documentation from XXXX XXXX, no chain of title, no signed agreement, and no acknowledgment of the identity theft status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that should not even be on my record. This has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree to, and I didnt sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didnt follow the proper 5-step validation procedure. According to the FDCPA, I am entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XX/XX/XXXX, I presented Check # 54, The XXXX XXXX XXXX, XX/XX/XXXX, for redemption at the Wells Fargo XXXX branch. Redemption was denied. On XX/XX/XXXX, I transmitted formal written notice to the Chair of Wells Fargo Bank , N.A . under UCC 3-310 ( b ) the underlying obligation was suspended upon issuance in XXXX and never discharged. Wells Fargo opened five cases # XXXX, # XXXX, # XXXX, # XXXX and closed all without substantive legal engagement. In the fifth response dated XX/XX/XXXX, Wells Fargo characterized submitted legal documents as potentially fraudulent without citing any statute. Wells Fargo acknowledged a XXXX records retention policy precluding production of any XXXX disposition records. The consumer account ending XXXX was closed XX/XX/XXXX same date as the fourth and final case closure. Automated balance threshold alerts referencing {>= $1,000,000} were received while the claim was active. OCC Case # XXXX confirmed escheat law requirements and directed contact with state unclaimed property XXXX XXXX Claim # XXXX filed accordingly. XXXX XXXX XXXX Confirmation # XXXX and FTC Confirmation # XXXX filed XX/XX/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 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Golden Entropy Marketing Inc
State: CA

Complaint narrative:
I applied for a fraudulent loan online and gave them all my information including social and bank information. I have not received anything and they have not taken anything but they have my information now.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: VA

Complaint narrative:
I am filing this complaint regarding a collection account being reported by Firstsource Advantage related to a XXXX account. I dispute the accuracy and validity of this debt. The balance being reported is inconsistent and does not match the amounts associated with the original account. Additionally, I have not been provided with proper validation of this debt, including a full breakdown of charges, proof of authorization, or a complete payment history. Under the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to accurate reporting and full validation of any alleged debt. At this time, Firstsource has failed to provide sufficient documentation to support the validity and accuracy of this account. Because of these discrepancies and lack of validation, I am requesting the following : Immediate investigation into the accuracy of this account. Full validation of the alleged debt. Removal of this account from all credit reporting agencies if it can not be properly verified This inaccurate reporting is negatively impacting my credit and financial stability. If this matter is not resolved appropriately, I am prepared to pursue further action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am requesting a goodwill review of a XXXX late payment reported by Bank of America on my credit card account. I acknowledge that the payment was late and I am not disputing the accuracy. However, this was an isolated incident that occurred during a transition of my co-branded XXXX XXXX XXXX XXXX credit card from XXXX to XXXX. During this transition, including the issuance of a new card, my normal payment routine was disrupted and I unintentionally missed the billing cycle. I have otherwise maintained an excellent payment history and have consistently managed my credit responsibly. The balance involved was relatively small ( {$230.00} ), has been paid in full, and I have since implemented safeguards including automatic payments and account alerts to ensure this does not happen again. Given my long-standing positive history and the circumstances surrounding the account transition, I respectfully request that Bank of America XXXX XXXX one-time goodwill adjustment to remove the XXXX late payment from my credit reports. I appreciate your review of this matter.

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 2026-04-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: CO

Complaint narrative:
My direct express card was cancelled in XXXX without my knowledge. When I contacted direct express, they would only tell me that it was for suspected fraudulent charges but they would not tell me what the suspected charges where or when they occurred. I ordered a new card, which never arrived. When I called again, they claimed the card had been returned. I got assistance from a caseworker in XXXX and paid for the expedited shipping for a new card. When it arrived, I activated it, paid my rent, and then when I tried to pay my cell phone after, my card was deactivated again. I have been trying for over a week now to contact direct express but it is impossible to get through to a representative and I am unable to pay for my phone, for groceries, anything. I need an explanation on why my card keeps getting cancelled but no one answers at direct express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
I contacted chime and was directed to the fraud department was informed that I need to try and request payment of XXXX back from another chime member under the name XXXX XXXX to get our money back being that it was apay anyone transfer and we might be able to get them back if we made a police report in which I did and called back and was told that because it wasn't for a service in which I dont inderstand the service was for rental of property. We aren't able to get the money back because it was a peer to peer transfer and was instructed to report it to the CFPB website and could assist me. I'm homeless living in a shelter that's closing down and that was my hard earned money my boyfriend XXXX and myself have saved. Now we're going to be out of here with no housing help to help us and XXXX dollars we won't get back unless the CFPB will assist us

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I am submitting a formal complaint regarding the servicing of my student loan, originally issued in the amount of $ XXXX.To date, I have paid approximately {$41000.00} toward this loan. Despite these substantial paymentsmore than double the original principalmy current loan balance has increased to over {$50000.00}. This is both alarming and financially devastating, and I believe it may be the result of improper servicing practices. In XX/XX/XXXX, I contacted XXXX, the original loan servicer, to request a payoff amount. I was informed that I could settle the loan for approximately {$15000.00}. At that time, I was unable to pay that amount but attempted to negotiate. No resolution was reached. Within the following year, the loan was transferred to MOHELA. On XX/XX/XXXX, I contacted MOHELA to inquire about settlement options, as I am unable to repay the loan under its current terms. I was informed that they do not offer settlement options. I am raising the following concerns regarding the servicing of my loan : Payments may have been misapplied and not properly credited toward principal ; The loan balance appears to have grown due to excessive and potentially unauthorized interest accrual ; There is a lack of transparency regarding how interest has been calculated and applied over time ; The balance being reported does not align with the amount I have paid, suggesting possible inaccurate reporting ; At the time of origination, I was not clearly informed whether the interest rate was fixed or variable, nor how interest would accrue or capitalize ; Loan terms and disclosures provided at origination were unclear and potentially misleading. Given that I have already paid significantly more than the original loan amount and still owe substantially more, I am requesting : A full audit and detailed accounting of my loan, including : Complete payment history, Interest rate history, All instances of interest capitalization, Verification that all payments were properly applied, Correction of any inaccurate balance reporting, Review of whether improper or unauthorized interest was added, Consideration of a reasonable resolution, including potential settlement or balance adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: WY

Complaint narrative:
I am a longtime Capital One credit card customer in good standing. In XX/XX/year>, Capital One revoked my access to XXXX XXXX XXXX numbers without notice or explanation. When I log in, I receive the error : " Looks like you're not eligible. Right now, you are not able to create or use virtual cards with XXXX. '' The virtual card management option has been removed from both the web portal and mobile app. This lockout is account-level I have tested on 4 computers across XXXX, XXXX, XXXX, and XXXX with identical results. I believe the lockout was triggered by Capital One 's fraud system detecting my use of a VPN browser extension for watching XXXX XXXX coverage, which caused my browser IP to appear as non-US. The critical problem : I have multiple XXXX XXXX XXXX XXXX numbers that are currently being charged monthly by subscription services. Because Capital One has removed my ability to access, view, lock, or delete these virtual cards, I can not manage or cancel these recurring charges through the tool I was given. Capital One 's own marketing states customers can " lock, unlock, and delete your virtual card numbers at any time '' a promise that is now being broken. I have contacted Capital One customer service 4 times. One call was escalated and I received a callback, but the representative asked me to repeat hours of basic troubleshooting I had already completed. Other representatives said there was nothing they could do. I have received no explanation for why my eligibility was revoked, no timeline for restoration, and no alternative way to manage my active virtual cards. I am requesting : ( 1 ) immediate restoration of my XXXX virtual card access, ( 2 ) a written explanation of why access was revoked, and ( 3 ) a permanent process to prevent this from recurring. Continuing to charge me through instruments I can not manage while denying me the tools to control those charges is unfair under UDAAP standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CADENCE BANK
State: AR

Complaint narrative:
I am submitting this complaint regarding Cadence Bank for failing to honor a promotional bonus associated with a business checking account. On XX/XX/XXXX, I opened a business checking account with Cadence Bank under a promotional offer that promised a {$400.00} bonus upon completion of certain qualifying requirements. I carefully reviewed and complied with all the terms and conditions of the promotion. I completed all required activities on XX/XX/XXXX, within the stipulated timeframe. These included meeting the required deposit thresholds and any associated transaction criteria as specified in the promotion. However, as of today, I have not received the promised {$400.00} bonus, nor have I received any communication from Cadence Bank explaining the delay or denial of the incentive. I have acted in good faith and fulfilled all promotional requirements. The banks failure to issue the bonus as advertised is concerning and appears to be a breach of the promotional terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Subject : Missing Funds After Bank Debit {$16000.00} ( Citizens Bank ) I am filing a complaint regarding missing funds involving Citizens Bank. On XX/XX/XXXX, I deposited a check into my business account in the amount of {$16000.00} drawn from XXXX XXXX. A hold was placed and extended for approximately 60 days. Even though this was a repeat customer and they showed me that the withdrawal had occurred the day after original deposit i complied with the hold because i understand that banking is a sensitive matter and being a larger check it would need the precautionary measures. On XX/XX/XXXX, Citizens Bank debited my account for the full amount, stating that the funds were being returned to the originating bank XXXX XXXX XXXX ). However, as of today, the originating bank has confirmed that they have not received these funds. Since that time, I have made multiple attempts to resolve this issue with Citizens Bank. I have called at least 2 times per day each day since the XXXX of XXXX. My customer that issued the check has also been assisting and opened a claim with XXXX to locate the missing funds. The matter has been escalated internally, including involvement of supervisors and their recovery department. Despite this, Citizens has been unable to provide : * A trace or reference number confirming the transfer * Proof of settlement to the receiving bank * A clear explanation of the current location of the funds Additionally, I was recently transferred between departments and ultimately routed back to general customer service without resolution, indicating a lack of ownership of this case. This delay has now caused direct financial harm to my business. I have already missed one payroll cycle and am at risk of missing another, totaling approximately {$18000.00} in payroll obligations. This is creating serious operational and financial consequences. At this point, Citizens Bank has debited my account but has failed to complete or account for the transfer of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: DC

Complaint narrative:
I am filing a complaint against PayPal regarding my inability to access my account and funds due to restrictive and unreasonable verification requirements. I am currently locked out of my PayPal account because the system requires verification through an outdated XXXX account and an old bank card that I no longer possess. The automated recovery system fails, and I am directed to customer support. I have contacted PayPal multiple times and offered to verify my identity using secure and standard alternatives, including : * Government-issued identification * Transaction history * Linked bank account information * Personal identifying details Despite this, PayPal representatives insist that verification can only be completed using an old card, which is not a reasonable or accessible requirement. Additionally, I filed a complaint through the XXXX XXXX XXXX and PayPal declined to address the issue, stating it falls outside their jurisdiction, without providing any meaningful resolution path. As a result, PayPal is effectively restricting my access to my own funds without offering fair or accessible identity verification options. I am requesting : 1. Immediate review by PayPals account recovery or limitations team 2. Alternative identity verification using government ID or bank-linked verification 3. Restoration of full access to my account and funds This situation places an unfair burden on consumers and raises serious concerns regarding access to personal financial assets. I expect prompt resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On Friday, XX/XX/year>, I attempted to obtain my title, but PNC had not released the lien. I called PNC but could not get help. The next day, my girlfriend was told I could go into a branch, and they would fax the release if contacted by the branch. When I went in, they refused. I was sent back and forth between corporate and the branch, and they wasted my time until closing. On Monday, I was told something would be faxed to me, but by Wednesday, they tried to fax it to my cellphone impossible. Later, they mailed me the wrong form. After multiple branch visits, they gave me a document the DMV rejected. I faced XXXX and embarrassment repeatedly in these visits. It took until Thursday, after six days of being ignored and passed around for someone to admit it would be a long process. After all this, I still dont have the lien release. This has jeopardized my car deal, cost me time, and impacted me professionally and personally. I urgently need this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: NY

Complaint narrative:
Went to get a mortgage loan, they ran my credit, it was in high XXXX. However on XXXX they had a collections of a debt which I have no knowledge of. Called midland credit collection and they said that its been sent to a law firm. Even on the phone, they gave me a name which didnt belong to me, however they said social and birthdate was the same as mine. None of my credit reports have a delinquent account. Would like them to delete it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I requested that Bank of America immediately stop and reverse the XXXX transaction of {$1800.00} sent to XXXX on XX/XX/year>, as I had been deceived by a scammer. I also requested that my account be protected from further unauthorized transactions. Bank of America confirmed at the time of my report that the money had not yet transferred, but the transaction was completed anyway the following day.

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 monetary relief