vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I disputed charges on my account with citizens bank that I did not receive any services or credits for with a merchant. On the 10th business from the filed dispute date, I called citizens bank to inquire about my provisional credit in which I was promised to receive by the 10th business day. I was told by the customer service representative that I would not be receiving a provisional credit and the bank is sending a letter to me requesting additional information about my claim. I was also told that I can email the bank at XXXX with my claim number which is XXXX to inquire about the details of the investigation on my claim. I sent an email requesting that I receive a provisional claim and reminded the bank of Regulation E in said email. Within 4 hours my account was permanently closed. I called customer service to inquire about what may be going on and I was told that citizens bank has chosen to sever their relationship with me and no other information is available to give me about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Please stop reporting any inaccurate information to consumer reporting agencies, and remove the incorrect details from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I received a call that I was past due on a payment. I was unaware of a loan that was opened in my name on XX/XX/26 for {$5000.00}. I was given a number to call. I also called XXXX and they put an alert on my name. I emailed XXXX the police report and my contact information. They replied on XXXX that they determined that I did in fact receive the loan and still owe the full amount. They have a different email address in their contact. They used an old address of mine. They deposited the money into a different bank than mine. I need help fighting these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Majority USA, LLC
State: WI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Company Name : Majority XXXX XXXX XXXX XXXX XXXX XXXX : {$5100.00} Account Number : XXXX Routing Number : XXXX Customer Name : XXXX XXXX XXXX Complaint Description : I am filing a formal complaint against Majority and its partner bank, XXXX XXXX, for the illegal withholding of business funds and lack of access to my money. My account has been frozen with a balance of {$5100.00}, which consists of legitimate sales from my food business processed through XXXX. The issue began after a security flag was triggered due to an address update and an accidental card report. Despite my full cooperation, Majority has acted in bad faith : 1. GPS Verification : I have provided my live GPS location through the app multiple times, proving that I am at my registered address and that there is no fraud. 2. Identity Proof : I have offered to provide all XXXX merchant receipts and my government ID. 3. Unacceptable Support : I have been kept on hold for over one hour ( 60 minutes ) today. I was told by an agent named Dereck Nava that my case was being " authorized '' by a supervisor, yet I was left on hold indefinitely with no resolution. 4. Financial Harm : This is a food business. By freezing my funds, Majority is preventing me from buying supplies and inventory, causing direct and irreparable financial damage to my livelihood. Majority is violating consumer protection laws by refusing to release my funds after identity and location have been verified. They are effectively " kidnapping '' my business capital without any legal basis or transparent process. Desired Resolution : I demand the immediate release of my funds ( {$5100.00} ) and the activation of my digital card so I can resume my business operations today. I also request a formal explanation of why I was denied access to my money despite providing GPS proof.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Continental Services Group, Inc. d/b/a ConServe
State: AL

Complaint narrative:
I am trying to dispute a debt I was charged for after trying to contact the company for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Heres a strong creator-style awareness post you can use : I need advice because this is getting ridiculous. Im NOT on the mortgage with PennyMac, but they keep calling MY phone nonstop because my husband is behind on payments. Ive repeatedly told them I am not on the loan and legally they cant even discuss the account details with me so WHY are they continuing to call me? I politely asked them multiple times to stop contacting my number, yet the calls continue. At this point it feels like harassment. No one should have to deal with constant calls over a loan they arent even attached to. Document EVERYTHING people!! Im on the titles not the loan. They also have the paper work wrong and wont talk to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland Credit Management , Inc has repeatedly contacted my family members and telling them that I owe a debt. I asked them not to do that and they still continued. When I called them out about harassing and calling my family members about my debt which was in no way connected to the account they said they will only speak to my lawyer and no longer me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I closed my business in XX/XX/year> and canceled my credit card with XXXX XXXX Chase card. The following year, they charged a renewal fee, then late charges on the proposed closed account. I spoke to MULTIPLE people there that were to close the account and remove the fees. The last time I spoke to them, i mentioned that if they did not leave me alone, I would sue them for harassment and they said they closed the account and removed the late fees but there was still the {$69.00} they had to remove. I received no notice of any fees or statements for over a year! I received an email that my credit score dropped significantly and when I searched, I saw the fees included on my report plus a delinquency of over 90 days. As you can see on the credit report, there was no activity and they failed to close the account originally, then charged a renewal fee the following year. They changed their report after my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
On XX/XX/year>, my Western Union account was compromised by an unauthorized individual. The scammer accessed my account and changed the recipient banking details while keeping my mothers name associated with the transfer. Approximately 16 unauthorized international money transfer transactions totaling around {$4900.00} were processed through my linked XXXX XXXX and XXXX XXXX accounts without my authorization or consent. The transactions were directed to a recipient account that appears to be associated with XXXX. I did not initiate, approve, or authorize any of these transfers. After discovering the unauthorized activity, I immediately contacted Western Union and reported the fraud. I also contacted my banks and began filing fraud and police reports. However, Western Union informed me that reimbursement or recovery of the funds is not guaranteed despite clear evidence of account takeover and unauthorized modification of recipient details. I am requesting a full investigation into the unauthorized transactions, review of account access and recipient detail changes, preservation of transaction and login records, and reimbursement of the stolen funds if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Supplemental Evidence Impact of the FCRA Section 605A Extended Fraud Alert on the Identity Theft Claim To whom it may concern at the FDIC Consumer Response Center : This statement serves to clarify the legal and technical implications of the newly submitted XXXX Credit Report evidence, which confirms a pre-existing Extended Fraud Alert active until XX/XX/XXXX. XXXX. Statutory Mandate under FCRA Section 605A Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605A, an " Extended Fraud Alert '' is a high-level federal protection for confirmed victims of identity theft. This alert places a mandatory " Duty of Care '' on any financial institution, such as FirstBank Puerto Rico, before authorizing high-risk transactions or changes to an account. 2. Failure of Identity Verification Protocols The banks initial denial letter, dated XX/XX/XXXX, claims the transactions were " processed correctly '' because the name and account number matched. However, for a consumer with an Extended Fraud Alert, matching basic data is legally insufficient. The Violation : The bank failed to follow the heightened verification requirements mandated by my credit profile. By authorizing the transfer of {$24000.00} to multiple third parties ( including XXXX XXXX and XXXX ) without a rigorous, manual identity confirmation, the bank directly bypassed federal safeguards. 3. Proof of Systemic Negligence The credit report shows a VantageScore of XXXX and a history of fraud protection dating back to XXXX. This documentation proves that the consumer was proactive in securing his identity. FirstBank 's Omission : Despite having access to this information via standard credit monitoring tools, the bank allowed an unauthorized third party ( whose voice did not match the account holder 's, as admitted by bank personnel ) to bypass an active XXXX federal alert. XXXX. Compounding Damages to Academic and Financial Standing The unauthorized withdrawal of these fundswhich include {$7900.00} in Federal Title IV fundshas caused a financial catastrophe. Currently, the account balance remains at {$0.00}, directly impacting the consumers ability to continue his Masters degree studies at XXXX University and maintain his primary transportation. Conclusion The existence of the Extended Fraud Alert serves as " XXXX XXXX XXXXXXXX '' in this case. It proves that the bank did not just suffer a simple error, but rather a compliance failure. The bank was formally warned by the credit bureaus to verify identity with extreme caution, yet they allowed the account to be drained by a stranger. We request that the FDIC compel FirstBank to issue an immediate Provisional Credit for the full amount of {$24000.00}, as the banks failure to acknowledge the federal fraud alert constitutes gross negligence under the FCRA and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I made a {$24.00} XXXX XXXX purchase ( transaction ID XXXX ). A chargeback/dispute process was later initiated and the refund was approved. XXXX support confirmed in writing on XX/XX/year> that the refund was issued and routed to SoFi as part of the chargeback/dispute process. XXXXe explicitly stated they can take no further action because the funds are now with the bank. Despite this, SoFi has failed to credit the refunded funds to my account for nearly a month. SoFi representatives acknowledged this is not an open merchant dispute and identified it as a reconciliation/payment operations issue requiring internal escalation. I repeatedly requested the refund trace/reference information ( XXXX ), confirmation of the refund location, and immediate release of the missing funds. SoFi failed to provide the requested trace information or resolve the issue. I am demanding that SoFi immediately locate and release the missing {$24.00} refund to my account and provide a formal written explanation for why the funds were not credited despite confirmation from XXXX that the refund was issued and routed to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We sent money through XXXX to a vendor. The vendor did not perform the agreed service and would not refund the transaction. They have since ghosted us and will not respond. We reported it to the fraud department at Truist and showed documentation of our agreement and their refusal to complete it. Truist sent a letter saying it was unable to reverse the transaction despite it being blatant fraud.

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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
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
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I went into XXXX to get a money order to pay rent and the XXXX XXXXXXXX said I could use my card to complete the transaction I put my card in the machine and it said unauthorized she said it didnt go through and Id have to pay with a different form of payment. I noticed the money was no longer in my account the lady said it will go back into my account within a couple of days. This happened on XX/XX/XXXX today is XX/XX/XXXX and the money is still not in my account. Ive disputed this transaction and it got denied and then I did an appeal and it got denied I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NY

Complaint narrative:
" In XX/XX/XXXX, I paid a rental debt in full to IQ Data International for an apartment complex called XXXX at XXXX in New York. IQ Data International issued a signed written confirmation dated XX/XX/XXXX confirming receipt of a final payment of {$4000.00} and stating the account was PAID IN FULL with a XXXX balance. Despite this, IQ Data International reported this same account as an active collection to all three credit bureaus in XX/XX/XXXX nearly two full years after issuing their own Paid in Full confirmation. This inaccurate reporting significantly damaged my credit score. When I disputed this with XXXX in XX/XX/XXXX and provided the Paid in Full letter as evidence, XXXX immediately deleted the collection account. XXXX dispute is also pending. XXXX XXXX XXXX reported a debt they confirmed was paid in full, which is a violation of the FDCPA and FCRA. I am requesting the CFPB investigate this company 's practice of reporting debts that have already been paid and confirmed as resolved. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Company : SoFi Bank, N.A. Account Type : Checking Account Number ( last 4 ) : XXXXXXXX XXXX XXXX On XX/XX/year>, I deposited a personal check via mobile deposit into my SoFi checking account ( ending XXXX ). The check was written by XXXX XXXX and drawn on XXXX XXXX in the amount of {$500.00}. Reference number : XXXX. On XX/XX/year>, I received email notice that the funds would be held until XX/XX/year> XXXX business days after deposit. The notice stated SoFi was " still working to verify information about the item or the sender '' but did not identify any specific regulatory exception. This hold appears to violate Regulation CC ( 12 CFR Part 229 ) in the following ways : 1. 229.12 ( b ) requires funds from a local check to be available no later than the 2nd business day after deposit ( by XX/XX/year> ). SoFi is holding the funds until XX/XX/XXXX the XXXX business day. 2. 229.10 ( c ) ( 1 ) ( vii ) requires the first {$270.00} to be made available by the next business day ( XX/XX/year> ) with no exceptions permitted. The full {$500.00} has been withheld, including this amount. 3. 229.13 ( g ) requires written notice identifying the specific exception being invoked. No such notice was provided. The email I received describes an internal verification process, which is not a recognized exception under 229.13. When I raised these concerns via SoFi 's online chat, a representative stated this was " the standard process for check deposits '' and subsequently demanded contact information for the remitter ( my grandfather, XXXX XXXX XXXX as a condition of releasing the funds. Conditioning fund availability on third-party contact verification is not authorized under any exception in 229.13.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: NV

Complaint narrative:
My chime account was hacked in XX/XX/XXXX to XX/XX/XXXX. In my account I put a dispute with chime for {$1500.00}. And now they are saying. They will not refund my money at all. Which chime allowed unauthorized transactions. There was this person pretending to be apart of chimes company. Someone who was a representative and his name was XXXX XXXX 's. His phone number is XXXX. This is the person that goes by the name XXXX. Which is shown from my accounts transactions. Their address is from XXXX XXXX XXXXXXXX XXXX XXXX USA.

Company response to consumer: Closed with explanation