vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Square Inc. regarding the unjustified withholding of my business funds since XX/XX/year>. Square deactivated and closed my merchant account on XX/XX/XXXX, leaving me without access to receive my payout. Despite this, they continue to hold my funds and have failed to provide a clear or consistent resolution for releasing them. Additionally, the verification and account review process was unfair and entirely automated, with no meaningful opportunity to obtain human assistance. I was unable to speak with someone who could actually review or resolve my case, which significantly limited my ability to address any concerns or provide requested information. There has also been inconsistent and misleading communication regarding the status of my funds. I have written documentation ( email dated XX/XX/year> ) confirming that my account was officially closed. However, during a phone call on XX/XX/year>, I was told that my funds would be held for an additional 30 days from XX/XX/year>. This directly contradicts the earlier communication and effectively extends the hold period without justification or transparency. This situation is unacceptable for the following reasons : My funds are being held without reasonable access or a clearly defined, consistent timeline for release. My account is closed, preventing me from managing or redirecting my payout. Square has failed to provide a viable alternative method to return my funds. The verification process was automated, opaque, and did not allow for proper human review or assistance. I have received conflicting information regarding when my funds will be released. I am a small business owner, and withholding these funds is causing financial harm. I am requesting immediate intervention and resolution. Specifically, I am demanding : The immediate release of my funds. An alternative payout method ( such as ACH transfer or check ), since my account is no longer active. A clear and accurate explanation for the continued hold, including the specific reason and a firm release date. Clarification regarding the conflicting closure and hold timelines that have been communicated to me. Square should not be allowed to retain customer funds while restricting access, providing inconsistent information, and failing to offer a clear path to resolution. I expect a prompt response and a definitive timeline for when my funds will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing a debt being collected by XXXX XXXX XXXX and Portfolio Recovery Associates. I previously submitted a formal dispute requesting full validation of this alleged debt. Specifically, I requested a signed agreement, complete payment history, proof of ownership, and documentation verifying that I am the responsible party. The response I received did not include a signed contract, did not provide a complete account history, and did not adequately verify that this debt belongs to me. Despite this, the company continues attempts to collect and may be reporting this account. Additionally, I have received returned mail marked No Such Number/ Unable to Forward, which demonstrates that the company has inaccurate or unreliable address information associated with this account. This raises serious concerns about whether a reasonable investigation has been conducted and whether this account is properly attributed to me. Because proper validation has not been provided, I believe this account is inaccurate, unverified, and should not be reported or collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: LA

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 2026-03-26 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: NY

Complaint narrative:
I am a VERIFIED victim of identity theft and have fully complied with all federal requirements by submitting an FTC Identity Theft Affidavit, government-issued identification, and proof of address. Despite this, the credit bureau has FAILED to delete the fraudulent account ( s ) from my credit report within the MANDATED four ( 4 ) business days as required under FCRA 605B. This is a clear violation of my consumer rights. Additionally, the bureau has FAILED to provide any lawful verification of these account ( s ) as required under FCRA 611. These continued violations have caused significant damage to my credit profile and are directly impacting my ability to obtain credit, housing, and other essential services. The ongoing reporting of fraudulent information demonstrates a blatant disregard for federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I received an email on XX/XX/year> at XXXX from Huntington Bank stating I am pre-approved to refinance my auto loan and save money. In the email, it details " You can check your rate with no impact to your credit score to see how much you could save before you apply ''. There is a check your rate button which I clicked. It was asking specific questions about my vehicle and didn't provide me rates or anything. I received an email on XX/XX/year> at XXXXXXXX XXXX from Huntington saying I was conditionally approved for an auto loan. I then received an email from XXXX XXXX at Huntington on XX/XX/year> at XXXX saying that she would assist me with the loan i recently requested. I explained to her that the rate and payment are significantly higher and said " just to be sure because it said it in the initial email, this " application '' will not affect my credit? '' She said she'd have the application removed and 'when you check the rates, it does not affect your credit, but with a application, that is a hard credit pul and will affect your credit ''. I was still confused because I merely clicked the button to check my rate. On XX/XX/year> i received a letter regarding the application I did not put in. I called Huntington customer service to inquire about it and they told me they saw an auto loan. They told me the time frame and I brought up the email and what it had said. I asked if it had pulled my credit and they could not confirm nor provide removal assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am filing this formal complaint against Jefferson Capital Systems for persistent violations of the Fair Credit Reporting Act ( FCRA ). Following a failed previous dispute, this company continues to furnish " junk data '' and contradictory facts that are physically and legally impossible. The inconsistencies provided by Jefferson Capital Systems across the three major credit bureaus prove their internal record-keeping is fundamentally flawed : Creditor Classification Manipulation : This company is reporting as a " Factoring Company '' on XXXX but as an " Other Collection Agency '' on XXXX. A debt buyer can not legally switch its business classification across different bureaus to manipulate credit scoring models. Impossible Activity Dates : There are three different " Dates of Last Activity '' being reported for this single account : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is a physical impossibility for one account to have three " last activity '' dates spanning a six-year period. Status Conflict : The account is listed as " Open '' on XXXX and XXXX, but " Closed '' on XXXX. These blatant contradictions confirm that Jefferson Capital Systems failed to conduct a reasonable investigation. Because they can not provide one consistent, accurate set of facts for this debt, the entire trade line is unreliable under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Received an email from XXXX that my account was suspended and my funds were blocked. No information on why and for my surprised XXXX cant be contacted. Theres no XXXX contact information. In the email XXXX is requesting a copy of my ID which I provided via online form. Theres no way for me go follow up. No information on my XXXX account or contact phone number or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Offices of Timothy M. Sullivan
State: MA

Complaint narrative:
I am being sued for a credit card debt that is far past the statute of limitations in my state. This account is more than 10 years old. At the time, I was XXXX XXXX XXXX XXXX, and to the best of my knowledge, these accounts had been settled. I had not heard anything about these accounts for years until I was notified of this lawsuit. XXXX XXXX XXXX claims that I made payments on this account, which they argue reset the statute of limitations. I have repeatedly stated that I never made any payment on this account, and any payments applied to it were not authorized by me. After looking into the matter, I discovered that a portion of my XXXX XXXX XXXX, including XXXX XXXX and XXXX payments, had been sent to an old XXXX XXXX bank account while I was in school because outdated routing and account information had been used for automatic disbursement. Before I was able to correct the issue, XXXX XXXX XXXX took money from that old bank account without my authorization and then claimed that this constituted a payment toward the collection debt, resetting the date to 2023. I believe this was predatory and unethical. I have spent the last 5 to 10 years working through my XXXX claims with the VA to ensure I was properly evaluated. As soon as I received my XXXX XXXX XXXX rating, XXXX XXXX XXXX sued me over this 10-year-old debt, relying on what I believe was an unauthorized payment to claim the debt became valid again in 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shepherd Outsourcing, LLC
State: NV

Complaint narrative:
There is an outsourcing company for XXXX XXXX who has contacted friends, relatives and other people with the same or similar last name as me about a debt. Ive asked them to stop and have asked my family to block their numbers and report them as spam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: OK

Complaint narrative:
I am filing a complaint regarding misapplied mortgage payments. On or about XX/XX/year>, I sent 5 cashiers checks in the amount of {$760.00} each to cover multiple monthly mortgage payments. I clearly designated the payments to be applied to specific months, and I also have receipts showing each individual month paid through XX/XX/year>. The company received the funds but only applied a portion of the payment correctly. The remaining funds were incorrectly applied toward principal instead of being applied to the designated monthly payments. As a result, my account is currently showing a payment due for XX/XX/year>, when it should reflect that I am paid through XX/XX/year> with no payment due until XX/XX/year>. I have contacted the company multiple times over the past month to resolve this issue. During these calls, I was told there is a policy limiting payments to three months ; however, no representative has been able to identify where this policy is documented in my loan agreement or provide any written proof. I was also not given any guidance on how to properly submit payments in compliance with this alleged policy. Additionally, I was charged a property inspection fee for the month of XXXX not sure why. This is not a missing payment issue. The company received the funds, and I have documentation to support how the payments were intended to be applied. This is a payment application error that is now placing me at risk of a false delinquency. I am requesting immediate correction of the payment allocation to reflect payments through XX/XX/year>, removal of any fees including the property inspection fee, and written confirmation that my account is current and will not be negatively reported to credit agencies. If they can not apply the funds where they were instructed to apply the funds. Then they need to send my funds back to me so I am able to apply them correctly myself. I have attached copies of cashiers checks clearly showing payment designation by month ( for example, XXXX mortgage ), which demonstrates that payments were intended to be applied to specific months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/XXXX, I was informed via email that my PayPal account was closed and I can have no access to my money for 180 days. I have XXXX in my main account, XXXX in my XXXX account, and XXXX in my savings account. I need this money as I have XXXX currently. I require access to this money, as I exist on very little money. I'm unsure what I did wrong. When I try to ask questions, it's just a chatbot. To me, this is a lot of money and I really need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: 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 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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
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 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 2026-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint regarding the reporting of late payments on my Capital One account. I previously contacted Capital One directly and submitted a goodwill request, which was denied. I was then instructed to submit a request through a secure form ; however, the link provided was not functional, preventing me from completing the process. At the time of the late payments, I was serving on XXXX XXXX in the XXXX XXXX while also navigating a temporary hardship related to XXXX XXXX. This created unexpected challenges that impacted my ability to remain current during that period. Since then, I have brought my account current and have been maintaining consistent on-time payments. I take full responsibility for the past delays and have worked to stabilize my financial situation. I am not disputing the accuracy of the reporting. I am respectfully requesting a goodwill adjustment in consideration of my circumstances, my XXXX XXXX XXXX service, and my commitment to maintaining my account in good standing. Given that I attempted to resolve this directly and was unable to access the submission form provided, I am requesting a formal review of my account and consideration for removal of the late payments. Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I moved out of my rental unit in XX/XX/XXXX. XXXX issued a move-out statement with a balance of {$300.00}. I initiated a written dispute in XX/XX/XXXX contesting the cleaning fee ( {$110.00} ) and requesting application of an XXXX deposit-alternative credit ( {$100.00} ) that was part of my executed lease since XXXX. XXXX acknowledged the dispute in writing and stated the account was under internal review. I provided supporting documentation in XX/XX/XXXX including the XXXX program overview and confirmation from the prior property manager. In XX/XX/XXXX, after nearly three months of review, XXXX dismissed my dispute in a single sentence stating they do not currently offer the program without addressing the contractual nature of my agreement or responding to my escalation request. I followed up in XX/XX/XXXX requesting escalation to a supervisor and confirmation the account would not be forwarded to collections while disputed. I received only an out-of-office reply and no further response. In XX/XX/XXXX, the account was forwarded to Columbia Debt Recovery and reported to all three credit bureaus, dropping my credit score approximately XXXX points. The account was under active, documented dispute at the time it was sent to collections. No written resolution was ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: 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 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 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