vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I was informed by the XXXX of Texas that my XXXX loan was now being collected by the CBE Group. They have somehow, even not a Government Agency, attached my Social Security Benefits in the amount of {$370.00} per month, beginning this month. How does a private company get access to Federal Benefits for collection? In addition, initially I borrowed {$78000.00} from the XXXX in XXXX to help with a failing XXXX business because of the COVID pandemic. When the loan became due, I did my best to pay it back and paid a lower amount of {$38.00} for a period of XXXX months ; they then expected me to make full payments of {$390.00} per month which I could not do. I lost my business, and for a time had to seek out other types of employment. I contacted the CBE Group when I found that they had some how began garnishing my Social Security Benefits for {$370.00} per month, an amount I can not pay on a fixed income. In addition, I asked CBE if they could lower the payment and remove the garnishment to which their representative replied that they would not remove the garnishment or lower the payment amount. They stated that I now owe over {$110000.00} and that the only way to stop the Garnishment was to pay the amount in full!! It is my understanding that no private company can ever garnish the wages of any private citizen without a court order. I have not ever received a court order or judgement from any court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I asked the Law Firm. Do I need to go back to court to file a motion. Before the 30 day limitation was up. They said no. Because the case is an arbitration. Which they struck down. In my answer, I replied to the court when first sued. This was XX/XX/XXXX when we spoke on the phone. He stayed the day would have to file the judgment. Told me I will be contacted Monday, which was a holiday to XXXX. I contacted their office on the XXXX. It was closed. They have been doing the delay tactics for the past XXXX weeks. I filed a motion for continuance. XX/XX/year>. But just found out I have to call the court. To see if the judge approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
I tried to pay my mortgage company using the online MoneyGram because I was stuck at work and figured it would be easier than having to leave work and go to a store. The card I used my visa debit XXXX XXXX card for {$830.00} on XX/XX/26. On Monday XX/XX/26 I realized that my mortgage company did not receive the money because they rejected it because it was not the full amount. I contacted MoneyGram on the same day, and they reassured me the money would be back on my card in a day. On XX/XX/26 I called again and was told that the money could not go back on my card and that they tried so now I would have to wait 10 days. I called every two days after that and now its past 10 days and they are telling me at MoneyGram states that I have to wait another 10 days. This is unfair and the people at MoneyGram don't even speak proper XXXX they are like XXXX and they wont connect me to a supervisor. I really just want to pay my mortgage to XXXX XXXX XXXX. The reference number is XXXX with Moneygram. My name is XXXX XXXX. Phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I went to citizens bank on XXXX XX/XX/XXXX at XXXX to withdraw money to pay my bills ( {$320.00} ). The cash did not dispense but came out my account. I went into the bank and they told me to take a picture of the screen with the error as im not the only one it happen to. they told me to call to make a dispute to get my money back. I called and they told me it will take 10 days to resolve my claim, I told them that is unacceptable I have to pay my bills and can't wait 10 days. So they told me they will expedite my claim and it should be resolved in 2 to 3 days. It passed 6 days now and I've called the bank now 6 times, out of the 6 I got hung up on 3 and lied to twice. I am XXXX and need my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL 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 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 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
The problem is I have {$1.00}, XXXX as my balance, {$18.00} in my savings and I'm not quite sure but some XXXX also. All of these funds are on my cash app account. The phone number and email address associated with this account I no longer have access to. I have created a new cash app account and verify it with the company and they can see that both accounts are mine. They've told me that both accounts are mine the same customer and are allowing me to keep the new account open and running, and are unable to transfer my funds to the new account and are unable to give me access to the old account because of a reason unknown. Their security measures are preventing me from accessing it. However they know that I am the person that is on both accounts, I literally been trying to access it following their step by step instructions and not getting anywhere with the process. I feel like I'm being taken advantage of and their profiting from the interest they're drawing off of the money being held in their accounts. At first I was told to make a new account and that they would do a money transfer, due to me having a savings and XXXX they're not able to do a money transfer. So with the new account verified they said they could transfer a email or phone number to the old account so I can access it that way however the system won't allow that to happen either. So with both accounts verified that I'm the same person I've done all options that they list possible with the repetitive denial of all of these process for months now I don't know what else to do please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX, I discovered multiple unauthorized transactions involving my XXXX account and my linked XXXX debit card. These transactions included multiple XXXX XXXX charges that I did not authorize, approve, or initiate in any way. These transactions starting on XX/XX/XXXX through XX/XX/XXXX. I have never linked my XXXX account or my XXXX debit card to XXXX or XXXX XXXX for these transactions, and I did not make any purchases through these services at the time of the activity. I also did not authorize any third party to access or use my XXXX account, XXXX balance, or linked bank account. The transactions occurred in a short period of time and involved multiple charges that are inconsistent with my normal account usage patterns. At the time of the transactions, I was not actively using XXXX or XXXX XXXX, and I had not recently used these applications. The unauthorized activity resulted in funds being withdrawn from both my XXXX balance and my linked bank account ( XXXX debit card ). After discovering the transactions, I immediately took action by : * Contacting XXXX to report the unauthorized activity * Filing an unauthorized transaction dispute with XXXX * Calling XXXX to appeal the denial of my claim * Submitting an email appeal requesting reinvestigation * Contacting XXXX XXXX regarding the unauthorized debit card transactions * Freezing/restricting my debit card * Unlinked my debit card account from XXXX * Updating account passwords and reviewing account security settings * Enabling additional security measures such as two-factor authentication Despite these actions, XXXX denied my claim and stated that the transactions were authorized. However, no sufficient evidence or detailed explanation was provided to support this determination. I was not shown how authorization was verified, nor was a meaningful investigation summary provided. I am requesting a full and fair reinvestigation of these unauthorized transactions and reimbursement of the funds removed from my XXXX balance and linked bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: CT

Complaint narrative:
I called Bridgecrest and they confirmed that my payment was only ever XXXX days late before being fully paid off as agreed. My XXXX credit report shows my account was paid as agreed, was XXXX days late. I have disputed with XXXX and Bridgecrests investigation made no change to my credit report. The more concerning part is that this issue has been on my credit report since XXXX and the customer service rep confirmed their information was inaccurate. After that call, their investigation did not fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have no knowledge of this account and or the amount of the {$110.00}. I have never received a piece of mail notification or call concerning this account/company or amount. I was not aware of this debt until I received a notification that my credit score has decreased due to a derogatory account. I found the company name and number from the third party site XXXX XXXX and I called them and the customer representative could not find me in their system. She used my name, social and birthdate. I am not sure who opened this account or owe this debt but It is not mine and I would like to dispute/resolve this matter and get this removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: ME

Complaint narrative:
I attempted to use my card to remove {$300.00} from the ATM. It made sounds like it was dispensing cash, but it did not the screen briefly went to an out of service screen printed a receipt saying the cash was dispersed and then went back to the regular screen. I have opened a dispute with the bank, which is chime, but I want to make a case here as well in case, they do not fix this within a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have tried to close my Citibank checking account multiple times. They keep insisting there is pending activity but there is not. It currently shows a balance of {$60.00}. I no longer have the debit card because I destroyed it. I have tried to close it XXXX or XXXX times and all I get is harassment. I feel that they are DECEPTIVE because their " bot '' service says I can close my account by calling and saying " close account '', but when I did that it did not work. I want this account CLOSED.

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 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I opened a SoFi investment account in XX/XX/year> with an initial deposit of {$7000.00}. After the account gained only {$240.00}, I decided to withdraw the funds this month and transfer them to another bank account. However, I received only {$5400.00} back. When I contacted SoFi, I was informed that a 25 % tax withholding had been applied without my knowledge or consent. I have other investment accounts, and to my understanding, taxes should only apply to capital gains, not the original investment amount. I requested that the withheld funds be returned, but SoFi has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I disputed a transaction in XX/XX/year> with USAA.They credited my account back the money.In XXXX they reversed the transaction.So now my account is overdraft ed XXXX. The information that was sent over by the company showed no proof as to me using there service.I have requested that the dispute be reopened.I have sent in documents showing the company refunding the transaction due to cancellation within the time frame.Now I'm being sent collection letters as if the dispute isn't reopened.Its not showing in my inbox that the case is reopened.I also have another disputed transaction in the amount of XXXX have yet to receive a provisional credit as to that as well.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and verifiability of multiple items listed on my credit report. After careful review, I have identified accounts and personal information that appear to be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA 611 ), I am requesting a full investigation and deletion of any items that can not be properly verified. Additionally, I am requesting the removal of all accounts ( both negative and positive ) that can not be validated with proper documentation. Please investigate the following accounts and delete them if they can not be verified as 100 % accurate : DEPT OF ED / NELNET Date Opened : XX/XX/year> Balance : {$0.00} DEPT OF ED / NELNET ( All Additional Account ) Date Opened : XX/XX/year> Balance : {$0.00} For each account listed above, please provide : A copy of the original signed contract or application Complete payment history Method of verification Name and contact information of the furnisher If you can not provide this documentation, you are required under federal law to delete the account ( s ) immediately. Please complete this investigation within the 30-day timeframe required by law and send me an updated copy of my credit report reflecting all corrections. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I believe my credit card and banking applications were unfairly denied under false pretenses and through discriminatory lending practices. During the application process, I was repeatedly misled regarding the requirements for no-documentation banking products and business credit approvals. Although my credit profile met the stated underwriting guidelines, I was intentionally subjected to unnecessary requests for personal tax returns and additional documentation that were not originally required for the products I applied for. I also own and operate six corporations, and several of my businesses were denied funding based on inconsistent and inaccurate reasons. For example, XXXX XXXX XXXX was denied due to time in business, despite the fact that many lenders openly advertise funding programs for newer businesses and startups. These shifting explanations, excessive document requests, and inconsistent underwriting standards appear to have been tactics used to intentionally prevent approval rather than fairly evaluate my applications based on the actual lending criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GU

Complaint narrative:
Company : Portfolio Recovery Associates Amount : {$760.00} Opened : XX/XX/2024 Complaint : I am filing a complaint regarding inaccurate and unverified debt collection reporting by Portfolio Recovery Associates. This account is currently being reported on my credit report ; however, I dispute the validity and accuracy of the alleged debt. I requested proper validation of the debt, including documentation proving : * the original creditor, * the amount owed, * the chain of ownership, * and proof that Portfolio Recovery has legal authority to collect. To date, sufficient validation has not been provided. Despite this dispute, the company continues reporting the account to consumer reporting agencies, which is negatively affecting my credit profile. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), debt collectors must report accurate and verifiable information. I am requesting that Portfolio Recovery Associates : 1. Provide full validation of the debt ; or 2. Delete the account from all credit reporting agencies if proper validation can not be produced. I also request investigation into whether the reporting complies with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding a disputed residential debt currently being collected in the amount of {$3500.00} associated with my XX/XX/XXXX move-out from XXXX XXXX XXXX ( XXXX, XXXX ) XXXX managed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX This dispute concerns the notice date used to calculate the balance referred to collections. On approximately XX/XX/XXXX, I provided notice regarding my military-related relocation through the resident portal. After submitting my keys on XX/XX/XXXX, XXXX staff stated they were unaware of my notification and requested that I provide an email, which I did. The resident portal system does not retain resident-visible copies of submitted messages ; however, the property management system should retain server-side records, timestamps, and related communications. On XX/XX/XXXX, XXXX issued me a Move Out Statement that reflected a Notice date of XX/XX/XXXX, which appears to correspond to the later-submitted email containing my notice and military orders rather than the earlier resident portal notification submitted in early XX/XX/XXXX. The accounting also appears internally inconsistent. Although prior correspondence from the property management company referenced a 30d notice for military calculation, the ledger reflects a Rent Loss through Recon date XX/XX/XXXX charge totaling {$2800.00}, which appears to apply approximately 45 days of rent loss rather than a 30-day notice period. Additionally, the account balance includes charges associated with early lease termination and reimbursement of a leasing concession despite the lease ending in connection with military orders. I requested that XXXX preserve and review all resident portal records, message logs, timestamps, and related communications associated with my account. Despite the unresolved dispute regarding the notice date and resulting calculation, the account was referred to collections. I have also submitted a formal written dispute directly to the collection agency requesting that the account be marked as disputed pending review and validation. Supporting documentation includes the move-out ledger, military orders, command-directed temporary duty documentation, prior correspondence with the property management company, and my formal collection dispute correspondence.

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 2026-05-28 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: FL

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