vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc.
State: NY

Complaint narrative:
I am disputing the Cash App Borrow balance because my phone and debit cards were stolen while I was at work. The individual who took my phone had access to my device and financial information and was able to access my account without my authorization. My dispute was previously denied because the funds were deposited into my account. However, since my phone and cards were stolen together, the person who had possession of them was able to access and use those funds. I do not use Cash App Borrow and only use my account to pay bills. I am requesting that this unauthorized balance be removed. If necessary, I will escalate this matter through the Consumer Financial Protection Bureau. My claims number for the case is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
This person is now using another PayPal account which confirms and tells me you guys never did anything to the account I reported. Like are you serious? First you guys let a scammer walk away with {$100.00} and now I find out nothing was done to the account?! I need something to be done. Otherwise, I'm taking this to the media. The scammer is using emails XXXX, XXXX, with number XXXX. I've reported this account for fraud and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I got a email on XXXX XXXX at XXXX am saying Chime 's security monitoring has identified some suspicious login activity on your Chime account. A temporary hold has been placed in order to safeguard your funds. To gain access to your account, please call us at ( XXXX ) XXXX for further assistance. Documents Required for Re-enablement ( JPG, JPEG, or PDF format only ) A picture of both the front and the back of your unexpired primary government-issued photo ID ( e.g. : Drivers License or State ID card ) Confirm the email address and phone number that should be linked to your account. So once I tried numerous times to get information or give them different information to find what was going on they always tell me they cant help me and disconnect the call but Im still receiving emails for my account but cant access it at all I just received the rest of my refund on XXXX XXXX last thing I sent was {$150.00} and had around {$1100.00} left in my account I need help to get my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I got notice from a group that stated I was being sued and a case was opened. I do not know of any debt and this collection company is not authorized in my state

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhoods margin call system is not transparent and is unnecessarily complicated for regular users. I was never clearly informed that I had entered a margin call situation. The platform did not clearly display my full margin exposure or provide understandable warnings on the website or app. As a non-expert investor and someone whose XXXX is not perfect, I relied on the information shown in my portfolio. At no point did the platform clearly show that I was at risk of a margin call or liquidation. Because of this lack of transparency and misleading interface design, Robinhood liquidated my positions and blocked my funds, causing me a financial loss of approximately {$40000.00}. I believe Robinhoods system failed to properly inform users and created a confusing environment that led directly to my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: FL

Complaint narrative:
I am filing this complaint against Global Holdings LLC ( Global Client Solutions ) for its role in facilitating the collection of upfront fees in violation of the Telemarketing Sales Rule ( 16 CFR 310.4 ( a ) ( 5 ) ( i ) ). Global Holdings acted as the custodian for my dedicated account ( Account Ending : XXXX ). Between the program start date and the present, I deposited {$24000.00} into this account. Global Holdings processed a {$3400.00} " Success Fee '' for a XXXXXXXX XXXX account despite the fact that zero debt relief was achieved. The settlement failed, and I am exiting the program with the full {$14000.00} balance outstanding. Under federal law, fees must be proportional to the debt actually settled. Since the debt reduction was 0 %, the proportional fee is {$0.00}. This complaint is a companion to an ongoing CFPB action against XXXX XXXX. While XXXX directed the fee, Global Holdingsas the payment processorfailed its regulatory duty by transmitting an unearned advance fee for a failed service. Furthermore, there is a {$12000.00} discrepancy between my total deposits and the {$11000.00} disbursed to creditors, which Global has failed to transparently account for via a matching ledger.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
Description of the Problem : My mortgage was transferred to a new servicer immediately after closing. At the time of transfer, my escrow account with the original servicer had a balance of {$4100.00}. However, the new servicer is reporting an escrow balance of only {$580.00}. I contacted both companies. The original servicer stated that they transferred the full {$4100.00} escrow balance at the time the loan was sold. The new servicer has not credited the full amount and has not provided documentation explaining the discrepancy. This is a violation of the Real Estate Settlement Procedures Act ( RESPA ), which requires the accurate transfer and crediting of escrow balances when servicing is transferred. I initially contact the new servicer on XX/XX/year>. The original servicer has provided documentation proving the transfer of the full escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have called a debet collactor company to solve a correct bill existed in my credit report. I have found the name of that company on XXXX but looks like they are scam. I gave him my Social Security Number and didn't realize utill je asked me about my Debit card info. I will attached the company name and the phone number I have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX I contacted Mr. Cooper in regards to our mortgage. We had fallen behind and wanted to discuss options on getting everything in good standing. We spoke regarding a " XXXX XXXX XXXX '' and " XXXX '' so we could potentially get a lower payment for assistance as well. Fast forward to XXXX of XXXX, and everything we had discussed went through and was approved ( or so I thought ). For the months of XXXX and XXXX, I tried logging into their website to pay the mortgage but it was not reflecting the amounts ( more ) than what I was verbally advised I would be paying. I spoke with different agents each month but one thing that stayed consistent was that they advised me that the amount shown on their website was not correct ( and we were still waiting for it to XXXX ), and the amount I actually owed ( from the supplement ) was {$990.00}. I paid this amount in XXXX, and XXXX. Today, again the amount was still not reflecting the supplement amount on their website so I had to call Mr. Cooper to make the payment. Today I was advised that the agent sees an issue with my account and why the web amount hasn't been updated to the supplement amount. I was advised that ( even though I was verbally told was true ) was not actually supposed to be on my account. The amounts I have paid of the last few months was actually not the " full '' amount due and I was now behind on my mortgage again. I was notified by this agent on todays call that even though their is record, and proof from the agents and I 's conversations in the call transcripts and recording, that the supplement never should have been added to my account and was done so in error. My questions to the agent is, why would a company verbally tell me it was approved and my new payment amount would be this amount ( {$990.00} ) and then not deliver on their word. They submitted the paper work to me, which was signed and returned ( my fault for not understanding the document ) apparently states that no supplement would be provided even though it was verbally confirmed to be on my account several times. I advised the agent at that time ( which he agree 'd they were wrong and made the mistake ) that this was not right to punish me for their mistake. So now this company has told me one thing, and totally did something against their word, which is deceitful and just plain bad business behavior. I feel like the least they can do is credit me the late fees, and help me overcome the " left '' over balance. I would like them to honor their word on the supplement!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am filing this complaint regarding fraudulent charges and identity theft involving my Citi credit card account reported by Citibank ( CitiCards CBNA ). In 2025, my identity was compromised and used without my permission. Someone used my personal information to open a fraudulent XXXX XXXX credit card account in my name. I reported this identity theft to law enforcement and filed a police report with the Maryland XXXX Police ( Report # XXXX, issued XX/XX/year> ). XXXX XXXX investigated the matter and confirmed that the account was fraudulent and that I was not responsible for the charges. After this incident, I later discovered unauthorized transactions on my Citi credit card account. These transactions occurred at a XXXX store in another state where I was not present. At the time the transactions occurred, the physical card was still in my possession. This indicates that the card information was likely cloned or otherwise compromised. I immediately reported the unauthorized charges to Citi and requested a fraud investigation. Citi issued me a replacement card, which indicates that the bank recognized the possibility that the card information had been compromised. Despite reporting the fraud and providing the relevant information, Citi concluded that the transactions were valid and refused to remove the charges. As a result, the balance remains on my account and continues to be reported to the credit reporting agencies. I disputed the account with TransUnion, but they responded that the item was verified as accurate based solely on Citis response. I strongly dispute these charges because I did not authorize them, did not benefit from them, and was not physically present at the location where the transactions occurred. I believe my identity and card information were compromised, and I have already documented identity theft through a police report and prior fraud case. I respectfully request that Citi conduct a proper fraud investigation, review the police report and supporting documentation, and remove the fraudulent charges from my account. I also request that the inaccurate balance and any related negative information be removed from my credit reports. I am attaching documentation including my police report, identity theft statement, and dispute records to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent {$4100.00} to myself through Western Union. When I attempted to pick up the funds in the United States, the agent location refused to release the money. I was told I needed a Social Security Number ( SSN ). At that time, I did not yet have one. I later obtained a valid SSN and returned with proper identification, but Western Union/its agent locations continued to refuse to release the funds. Since XX/XX/XXXX, I have contacted Western Union customer service multiple times. I have received inconsistent and unclear instructions, and I have been repeatedly redirected without any written explanation of what specific requirement is still unmet or how to resolve it. After months of delays, Western Union stated that a refund was processed on XX/XX/XXXX ( they provided a reference number in their email ). However, no refund was received. I checked my bank account for the XXXX business days after XX/XX/XXXX and contacted my bank multiple times. My bank confirmed there was no incoming refund deposit/credit matching Western Union during that period. Western Union then requested an official bank statement to prove non-receipt. I provided the requested documentation, but the refund is still missing and Western Union has not provided traceable refund details ( such as the refund method, transaction reference/ARN, or destination account information ) that would allow my bank or me to locate the funds. As of today, my {$4100.00} has been held since XX/XX/XXXX without release and without a completed refund, causing serious financial hardship because I rely on these funds for basic living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: VA

Complaint narrative:
In response to a promotional offer indicating a {$300.00} promotional bonus when making XXXX direct deposits of at least {$1500.00}, I opened a checking account and met the terms of the promotional offer. After completing the offer terms, the Bank locked my account and despite providing the requested ID and selfie holding the id to prove identity, the Bank closed my account claiming it was opened fraudulently in an unobjectable manner to forgo payout of the promotional {$300.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Please I want this money returned to my account asap! This is a life threatening situation for me. This is affecting me mentally considering I did business with this bank in Good faith and now facing this inconvenient situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute a XXXX XXXX account that recently appeared on my credit file and was subsequently closed. I want to make it clear that I never opened, authorized, or used this account. Although I appreciate that the account has now been closed, I previously notified Experian of fraudulent activity in XX/XX/year>. At that time, your team assisted me in removing more than seven unauthorized hard inquiries from my credit report. Given that this fraudulent activity was reported months ago, I am requesting clarification as to why this account remained active until recently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Chime Financial Inc
State: CA

Complaint narrative:
Got my identity stolen XX/XX/year> they took {$210.00} and {$1000.00} on open credit card chime and XXXX XXXX

Company response to consumer: Closed with explanation