vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I am filing this complaint against Midland Credit Management XXXX XXXX because the company has reported an alleged debt on my consumer credit file despite the fact that I have never received any dunning notice, validation letter, billing statement, or other communication from Midland prior to its furnishing of this tradeline, thereby depriving me of my statutory rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( a ), which requires a debt collector to provide written notice of the amount of the debt, the name of the original creditor, and my right to dispute within 30 days of initial communication ; no such notice was ever sent to me. Midland has nonetheless furnished and continued to verify this account to consumer reporting agencies without producing competent evidence of a valid contract, complete account-level payment history, lawful chain of assignment, or accurate balance calculation, raising serious concerns under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681e ( b ), which prohibit the reporting of information known or reasonably believed to be inaccurate and require a reasonable investigation following notice of dispute. Verification without documentary review, particularly where no prior consumer communication occurred, reflects reckless disregard for statutory compliance and constitutes abusive credit reporting practices that have damaged my credit standing and exposed me to financial and reputational harm. Midlands conduct suggests systemic deficiencies in its investigation and data-handling procedures, and continued reporting without substantiation may constitute willful noncompliance under 15 U.S.C. 1681n. I demand immediate and permanent deletion of this tradeline from all consumer reporting agencies, full written disclosure of the documentary evidence relied upon to verify this account, and a preemptive remedial payment of {$250.00} as compensation for unlawful credit reporting injury and investigative abuse ; absent prompt resolution, I will evaluate all available federal and state remedies, including civil action seeking statutory, actual, and punitive damages, attorneys fees, and any additional relief permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I currently hold multiple credit cardsXXXX XXXX, Citi XXXX, XXXX, and XXXX XXXX of which offers straightforward rewards programs. With these cards, I am able to earn rewards ( typically XXXX % everywhere, 5 % at select categories such as gas stations ), and redeem points at any time for statement credits or gift cards, without worrying about expiration. However, the BestBuy CITI credit card operates differently and unfairly. Recently, I earned {$10.00} in reward points, which were credited last week, but I was shocked to discover they will expire after only 10 days. This extremely short validity window is unprecedented compared to other cards. Additionally, rewards can only be redeemed at BestBuy, giving customers no flexibility or alternative redemption options, such as statement credits or gift cards. This restrictive setup effectively forces customers to return to BestBuy and spend more money just to use their rewards. I am concerned that BestBuy CITI is not held to the same consumer-friendly standards as other issuers. Their rewards expire quickly and can not be redeemed in more flexible ways, seemingly designed to limit the benefit to customers. I feel this practice unfairly diminishes the value of earned rewards and manipulates customers into spending. I request that the CFPB review these reward program practices and consider holding BestBuy CITI to consistent standards regarding reward expiration and redemption options, as followed by other major credit card issuers.

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 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: MD

Complaint narrative:
b'I have been trying to get a XXXX fraudulent loans dismissed from XXXX XXXX for the last XXXX XXXX years with CRI and US Dept of EDU. It started with a letter congratulating me on the loans in XXXX XXXX. They total jusst under XXXX. I have been fighting with CRI and the Dept of Education since then. I even had my local US HOuse of Reps office trying to help me but they closed the file because the US Dept of Education said they were looking into it. That was a year ago. They are denying my claim because I cannot give them my High School Diploma or the IP address the scammer used to sign the doc. They are also unhappy that I still use my XXXX XXXX which is my work XXXX XXXX and the address that was used on the loan. I went to high school 0ver XXXX years ago and my parents have been dead for over XXXX years. I have no idea where it is. I provided a police report, FTC forms for fraud and forgery, my DL, My Passport, My college diploma, documents showing my signature, documents showing my residency and other docs. This is getting crazy. I did just file a claim with an insurance company through Identity Guard. I have no idea what they can do. I talked to some attorneys and they were not even sure how to sue them. Now CRI is saying they are going to report me to the credit bureaus for being 100 days late. I have excellent credit. Anyone have any ideas? This is getting really old.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 Regulation E. 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 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
Ive been having issues logging into my XXXX account, Ive been back and fourth via email since late XX/XX/2025, and they try to help but ultimately fail to reply after a few emails. Ive owned several cases. Its a very simple request. Im unable to access my account, and need help from their technical support team to re instate it so I can apply for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XX/XX/XXXX, I initiated XXXX balance transfers from XXXX separate Bank of America XXXX XXXX to a XXXX XXXX 0 % XXXX credit card for debt consolidation purposes. XXXX of the XXXX transfers were completed successfully. The third transfer, in the amount of {$3200.00}, was sent by XXXX XXXX but never credited to my Bank of America account. I have spent several months contacting both XXXX XXXX and Bank of America repeatedly to resolve this. I called both banks a few times in XXXX, and was told it could take XXXX XXXX days to post to my Bank of America XXXX. I started my first dispute with Bank of America on XX/XX/XXXX and received a letter dated XX/XX/XXXX saying they completed their search, but could not locate the funds. I called back on XXXX and started another dispute with the same outcome. I called back XXXX more times in XXXX disputing it and they sent me letters ( XX/XX/XXXX and XX/XX/XXXX ) again saying they completed their search, but could not locate the funds. Each time I called Bank of America I also Called XXXX XXXX. They told me Bank of America posted the money to an account on XX/XX/XXXX but they couldn't provide any more information. I spoke to supervisors who told me different ways that they could help, but nothing was ever resolved. During every phone call XXXX XXXX confirms the funds were sent successfully. Bank of America confirms they never received them. Neither bank has been able to locate the missing {$3200.00} or provide an explanation for where the funds went. As a result of this error, I am currently being held responsible for the {$3200.00} balance on both accounts simultaneously the Bank of America card that was supposed to be paid off, and the XXXX XXXX card from which the funds were disbursed. I am paying on a debt twice through no fault of my own.

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Various unauthorized charges from XXXX XXXX - XX/XX/year>. Was denied claim and told funds can not be returned to me. No valid reason given and no escalation of clam was allowed

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year>, I received a XXXX deposit for my taxes in the amount of XXXX. In a matter of hours my account was suspended without explanation. Leaving my account at a balance of {$3000.00}. I have reached out by phone and email and have not reached a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I need a list of inquiries to send to TransUnion to dispute and 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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Fl, XXXX XX/XX/year> Via Certified Mail Return Receipt Requested DIVERSIFIED ADJUSTMENT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Re : Account Number : XXXX To Whom It May Concern : I am writing in response to your reporting of the above-referenced account on my consumer credit profile. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I formally dispute this alleged debt in its entirety. You are hereby instructed to CEASE AND DESIST from all communication with me regarding this matter except for the purpose of providing proper validation of the debt as required by XXXX law. Specifically, please provide : XXXX. The original creditors full name and address. XXXX. A copy of the original signed contract or agreement bearing my signature. XXXX. A complete payment history, including all fees and interest added. XXXX. Proof that your company has legal standing and authority to collect this debt in my state. XXXX. Proof that the statute of limitations has not expired. XXXX. Verification that the amount reported to credit bureaus is accurate and complete. If you are unable to provide the requested documentation, you must immediately : Cease all collection activity. Remove all credit reporting related to this account from XXXX XXXX XXXX XXXX Be advised that reporting unverified or inaccurate information to credit bureaus constitutes a violation of federal law. Any continued collection attempts without proper validation will be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is a formal request for validation and cessation of improper collection activity. You have XXXX days from receipt of this letter to comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

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 F DCPA 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 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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am submitting this complaint to formally notify Capital One that I have attached a detailed written demand to its Executive Office requesting full disclosure of all internal accounts, risk flags, and adverse coding that are preventing my credit approval. Capital One continues to deny my applications using vague language referencing prior account activity without identifying the specific account, conduct, or documentation supporting that determination. This lack of transparency raises serious concerns under federal consumer protection and fair lending laws. I expect Capital One to treat this matter with the seriousness it warrants, conduct a comprehensive internal review, and provide a complete written accounting of all accounts and internal risk indicators associated with my identity, particularly any post-bankruptcy accounts after XXXX, along with corrective action where appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 non-monetary relief
Consumer complaint received 2026-03-03 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: NJ

Complaint narrative:
Validation of Debt Request - MIDLAND CRED - XXXXXX/XX/XXXX 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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
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 non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding inaccurate billing and credit reporting by Comenity Bank. Despite paying my credit card balance in full, Comenity Bank repeatedly charged improper interest and late fees after the account reflected a paid or zero balance. These incorrect charges resulted in Comenity reporting two missed payments to the credit bureaus. I contacted Comenity Bank multiple times and spoke with managers who stated the issue would be corrected, but no correction was made. My credit score dropped significantly as a result of this inaccurate reporting. Additionally, Comenity drastically reduced my credit limit from approximately {$5000.00} to {$800.00}, worsening the impact as well as causing all my other credit cards to drastically reduce my credit limit as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Company : Shellpoint Mortgage Servicing ( Newrez LLC ) Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Shellpoint Mortgage Servicing serviced my loan for the entire XXXX tax year. My loan was transferred to XXXX in XX/XX/XXXX. I need my XXXX Form 1098 ( Mortgage Interest Statement ) for tax filing purposes. When I call Shellpoint/Newrez , the automated system will not allow me to reach a representative because my loan number is no longer active in their system. The call disconnects automatically. Since Shellpoint serviced my loan during the XXXX tax year, they are legally required to provide my XXXX Form 1098. I am requesting that Shellpoint provide my XXXX Form 1098 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 explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went to open a business account with XXXX XXXX and unfortunately, I was denied and the branch manager contact me personally gave me the information to early warning services and I contact early warning services. They sent me a consumer report with a lot of fraudulent information attached and JP Morgan Chase was located on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are not mine ; they must be removed within 15 days in accordance with USC 1681g.

Company response to consumer: Closed with non-monetary relief