vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I sent a wire to XXXX in the XXXX. The normal XXXX transfer fee was added to the amount. Then Citibank deducted an additional USD {$10.00} from the amount sent to the recipient. They listed the fee, but not the reason or who would get the additional funds. I called the bank XXXX different times. I got hold of the wire transfer department and they said there was NO EXPLANATION of the fee within the bank or whom it was sent to. They would not promise to provide an explanation of the fee.

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 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I disputed a telecommunications collection account with the credit reporting agencies about XXXX months ago. After the dispute, the collection account was deleted from my credit report. Recently, I discovered that the same collection account was reinserted on my credit report. I did not receive any written notification of this reinsertion, nor did I receive notice of my right to dispute the debt again. Under the Fair Credit Reporting Act, a consumer must be notified within XXXX business days when previously deleted information is reinserted. No such notice was provided to me. I am requesting that this matter be investigated and that the account be removed or properly validated in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY 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 explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a new business account with TRUIST BANK. I didn't know that I was opted in to overdraft protection. I woke up to a {$36.00} fee and a statement saying, " Thank you for banking with TRUIST. '' I called and spoke with XXXX, and XXXX who informed me that everyone is opted in to the overdraft protection upon opening an account with TRUIST. I saw this as predatory, Because : XXXX ) It's known that almost everyone will have their card denied at some point due to insufficient funds. XXXX ) It's known that most people don't read all the fine print when opening an account ; And, if certain info is not mentioned by the XXXX then it won't be in the XXXX XXXX conscious awareness to watch out for. XXXX ) So, once a transaction IS attempted and there is not enough money in an account, the card is not declined. The XXXX is not aware. The purchase just goes right on thru. And, the bank get {$36.00} for the unconscious overdraft of the XXXX. The XXXX doesn't even know she was opted in to the overdraft program. The XXXX doesn't tell you. You're expected to read all the fine print. And, XXXX know that people commonly don't do that. So, this is a profitable practice to catch people at a predictable slippery place and skim'em for {$36.00}. XXXX ) And, this is clearly a practice which can be seen to be opportunistic and predatory in nature, because bills can come in and pull money from an account without the XXXX even knowing. And, this is a chance for the bank to get {$36.00}. But, especially for a person who is new to the bank and has a brand new account. For that new person, as I was, it leaves a person feeling set-up and plotted on. This seems to be a slick tactic which may not be illegal, but is certainly immoral, or border-line unethical once it's really looked at. Because, once it's really observed, it becomes clear that it is a tactic predicting a person 's lack of knowing, in order to attach a hefty fee... If the bank 's system was protect their XXXX from these fees, then the bank would make it really clear from the open. But, it is absolutely never mentioned. I called TRUIST BANK the morning of XXXX and spoke with XXXX & XXXX. They told me that I didn't qualify for a refund. I felt like I had fell into a set trap. And, I'm sure XXXX of people must've fallen victim to this before me. And, the way it's set up, I'm sure that XXXX more will fall victim to this.

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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by Wells Fargo. I made multiple good-faith attempts to submit my credit card payment on time. Each attempt failed due to system or processing errors outside of my control. Despite these documented attempts, Wells Fargo reported my account as late to the credit bureaus. This late reporting is inaccurate and the result of servicing failures, not consumer neglect. I am requesting : Immediate removal of the late payment from all credit bureaus Removal of all associated late fees A written explanation of why my payment attempts failed Written confirmation once corrections are made This inaccurate reporting is damaging my credit profile and must be corrected immediately.

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
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE

Complaint narrative:
My Huntington debit card was compromised and used fraudulently for approximately {$500.00} ( XXXX XXXX ). I first reported the fraud on XX/XX/year>, when I spoke with a representative named XXXX, who issued a reference number XXXX. The fraudulent amount was credited back. Since that date, Huntington has repeatedly failed to properly issue and deliver a replacement debit card, leaving me without access to my own funds. I have lived in XXXX for approximately 17 years and have been a Huntington customer for the same period. XXXX has successfully sent my debit cards to me internationally in the past, including cards delivered via XXXX when previous cards expired. After reporting the fraud, I contacted XXXX numerous times by phone and chat ( over 16 separate interactions ). On XX/XX/year>, I called again and was quoted a hold time of 42 minutes to over 1 hour. Across these contacts, I received inconsistent and inaccurate information, including : Statements from some representatives that XXXX can not send debit cards internationally, which is false based on my documented history Statements that cards can not be express shipped internationally, despite prior XXXX deliveries to my address Claims that a replacement card was sent and later canceled Claims that USPS could not match my international address Claims that no replacement card had ever been ordered Refusals or inability to provide any tracking information In prior years, when similar questions arose, Huntington representatives reviewed my account history, confirmed international delivery was possible, and successfully sent replacement cards. During this incident, no representative appeared to review that history or take corrective action. A representative later assured me that a replacement debit card had been sent and would arrive within approximately five days. No card arrived, and no tracking number was ever provided. As of today, I have no usable debit card, no confirmed shipment, and no practical access to my funds. I have incurred costs attempting to resolve this issue and am now experiencing significant financial hardship as a result. I am requesting immediate access to my funds and a properly issued replacement debit card with tracked delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2026-02-24 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: 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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Consumer Protection Bureau Capital One Bank is doing a reversal alleging I made these false transactions, which they expose my Personal Account information on XXXX XXXX Dark Web Page. However, I never open up an account with XXXX. It was hack using email address and personal. data. I am seeking a reverse credit in the amount of XXXX and XXXX they charge this account on XX/XX/XXXX, XXXX. Please see information below. Please reopen this investigation. Never got any information from Capital One Bank. Date Description Category Amount Balance XX/XX/XXXX Decrease Int Paid ( DDA ) Decrease Int Paid- {$0.00} - {$1000.00} XX/XX/XXXX Decrease Int Paid ( DDA ) Decrease Int Paid- {$0.00} - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Dispute Credit Reversal - {$190.00} - {$1000.00} XX/XX/XXXX Dispute Credit Reversal XXXX XXXX Dispute Credit Reversal - {$95.00} - {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Portfolio Recovery Associates for failure to properly investigate my dispute, making false statements regarding my account, and engaging in harassing conduct. Despite multiple attempts to resolve this matter directly, the company has failed to correct its errors and continues to cause me harm. 1. Failure to Investigate Under the Fair Credit Reporting Act ( FCRA ) and/or applicable consumer protection laws, the company is required to conduct a reasonable investigation upon receiving a dispute The company failed to conduct a proper investigation and instead responded with a generic or automated reply, without addressing the specific evidence I provided. The company did not : Review the documentation I submitted Provide evidence supporting its claims Correct inaccurate information Explain the basis for its determination This constitutes a failure to conduct a reasonable investigation. 2. False and Misleading Statements The company has reported and/or communicated false information about my account, including : inaccurate balance, payment history, account status These statements are inaccurate and have caused damage to my credit, reputation, and financial standing. 3. Harassment Since disputing this matter, I have experienced harassing conduct including : Repeated phone calls at unreasonable times Threatening or misleading language Contact after being asked to cease Contacting third parties ( if applicable ) This behavior may violate the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. Harm Suffered As a result of the companys actions, I have experienced : Damage to my credit score Emotional distress Time lost addressing this issue Denial of credit and/or increased interest rates ( if applicable ) Financial hardship If this matter is not resolved promptly, I am prepared to pursue additional remedies available under federal and state law. I request a written response addressing each issue raised in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I made XXXX cash deposits by using the bank 's drive thru ATM that's located right outside their location. Both deposits were to the same checking account. XXXX deposit was for {$200.00}, and the other one for {$160.00}. When I got home XXXX hour later, I checked my account and realized that only the {$200.00} dollar deposit had been credited to my account but not the {$160.00}. I immediately drove back to the bank and reported the problem. They made me go through a complaint process and told me that it was going to take them up to XXXX days for them to have a final answer for me. On XX/XX/year> -- -pretty much a month and a half later -- -- I received a letter from the bank dated XX/XX/year> on which it was stated that they had denied my transaction dispute. In other words they told me that I had lost my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I have been in contact for over a year through the CFPB and I still have not received any paper work to support the companies explanation that no release of lien was prepared as the loan was downgraded to unsecure. I need proof this lien was downgraded to unsecure

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
Ive disputed a debt One Main Financial several times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2026 is was in my Cash App account ( which i have had for XXXX years, is under my legal name, and where i receive my paycheck every XXXX weeks, and I also have XXXX XXXX ) and was asked to verify my identity. I uploaded my ID and did the face recognition. The system stated my identification failed and to try again. Immediately after i received an email that my account was deactivated due to violation of terms and agreements. I immediately called Cash App to get an explanation and to resolve this issue. Spoke with a rep who provided a generic answer that was basically word for word of the email that was sent. I requested to speak with a XXXX or a XXXX and they advised that they could not connect me and that they would reach out via email. I explained to the XXXX that my paycheck is sent to this account and with out access my check would be sent back to the sender. This is not a good situation because i have to pay my rent or i would be evicted out of my home and myself and my children would be out on the streets. I explained this to the rep who still advised there is nothing they can do except escalate the issue. I also have a payment ( {$520.00} ) that i borrowed from Cash App that is due on XX/XX/2026. If this payment is not made on time they charge an extra fee as well as this can go onto my credit. I advised them that i needed this resolved immediately due to my check being deposited this week and i can not wait XXXX to XXXX business days. Again, no help was provided. I have all the proper documentation to prove that I am the owner of the account and that my transactions are legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I was purchasing an account from someone who I have already done business with and he asked me to do a PayPal friends and family which I didnt know what that meant but I didnt think it was suspicious until he blocked me and I looked into it and I wanted answers but when trying to get answers from PayPal they sort of neglect the fact that I had no clue what I was doing and they dont seem to want to investigate and help me stop a scammer in the act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Figure Technologies, Inc
State: MI

Complaint narrative:
I had a mortgage with Figure LLC and was paid off last year XX/XX/year>. XX/XX/year> I could not log in. I called customer service and was on the phone for an hour to be told they couldn't do anything, that I needed to reach out to XXXX and send an unsecured email copy of my drivers license to get back into my account. I solicited the help of XXXX and they advised they could not help me, they could not find an account AT ALL. I called again and spent another hour on the phone and went through the same exact issue, was told that they could not mail me my XXXX tax form that I had to solicit help from XXXX. They advised they can not find the mortgage I paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Late and frequent messages. Derogatory mark placed on my credit report. No payment communication as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
LMMINC is falsely reporting on my credit. I have never had any accounts with them. Per my research LMMINC 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