vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: LA

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 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 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, Experian, and Equifax. 

Despite multiple written disputes submitted directly by me, the consumer reporting agencies continue to publish inaccurate, incomplete, and inconsistent credit information in my consumer file. The same accounts are reported differently across bureaus, including conflicting dispute indicators, account statuses, dates of last activity, closed dates, creditor classifications, and balances. 

Specific examples include : Accounts marked as disputed by consumer with XXXX bureau but reported as not disputed with others Conflicting closed dates and last activity dates for the same account Collection accounts reported by only XXXX bureau with no corroboration from the others Accounts missing required XXXX XXXX data fields such as payment history, date of first delinquency, or original creditor Creditor type misclassification ( e.g., collection services, factoring, or other ) for the same account Repeated last verified updates without any corresponding correction, suggesting automated or unreasonable reinvestigation These inconsistencies demonstrate a failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). Automated verification alone is not sufficient when the data itself is contradictory or incomplete. 

The continued reporting of these inaccuracies is causing ongoing harm to my creditworthiness and access to credit.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I contacted SoFi and reported theft of my funds at a XXXX XXXX. They stole my money and tried to XXXX XXXX XXXX me and SoFi has failed to properly return my funds. Withdrawals were taken out for services that were not provided and the club continued to withdraw money and learn mt pin code. They also filled in fake tips pm receipts to authorize more money than I authorized. I will be suing SoFi if my funds are not returned and all money has been transferred out of my accounts permanently. A complaint with my attorney general has been filed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received a {$300.00} payment through Cash App from another user. 
The payment was funded directly from the senders bank account. 

I later issued a refund using Cash Apps refund option. The transaction status shows Refunded. 

However, it has now been nearly XXXX month, and the funds have not been returned to me and have not been received by the original sender. 

Cash App has not provided any clear explanation regarding where the funds are currently held. Despite contacting support, the issue remains unresolved and the money is unaccounted for. 

This appears to be an unresolved electronic funds transfer, and I am requesting that the funds either be properly credited back to the sender or that Cash App provide confirmation and tracking details showing where the refund is currently located.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am submitting this statement regarding improper services provided by a moving company and the subsequent mishandling of my dispute by Barclays. 
I entered into a written contract with the moving company for services that included a specific, agreed-upon receiving/delivery date. I possess both the written contract and a receipt confirming these terms. Without my consent, and without providing any notice to me, the moving company unilaterally changed the contracted receiving date. 
When I contacted the company to question this change, I was informed that the altered date was what it was, and I was accused of lying despite my possession of written documentation showing the originally agreed-upon date. At no point did the company acknowledge responsibility for the change, nor did they provide any advance notice or reasonable explanation for altering the contract terms. 
As a result of this issue, I submitted a formal dispute to Barclays. Barclays failed to follow up with me during the dispute process and ultimately closed the case without providing any notification. According to Barclays own stated policy, customers are to receive a letter explaining the reason a dispute is closed. I did not receive any such letter, explanation, or notice. 
In summary, I received no proper notification, no follow-up communication, and no written explanation regarding the closure of my dispute. Both the moving company and Barclays failed to adhere to basic contractual and procedural standards, causing me financial harm and significant inconvenience.

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 2026-01-22 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: Bilateral Credit Corp, LLC
State: KS

Complaint narrative:
Spoke to XXXX for a corporations debt he said I was an XXXX XXXX XXXX using profanity and he was going to take me to the cleaners and read last 4 of social security number recorded the conversation with out telling me tried talking to a supervisor he said he was and the owners dont speak with debtors he can not take agents of a company to court unless the cosigned which they did not and said he was going to call whenever he wanted even when told not to call again their client didnt deliver all the products ordered and changed from net XXXX to immediate payment without approval. They cancelled almost all products and only recieved some they charged for shipping when they should of used our shipper account so we recieved discounts on the shipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I activated a Capital One Offer for a {$140.00} statement credit for XXXX on XX/XX/year>. I met all transaction requirements on XX/XX/year>. Despite the transaction posting, the credit was never applied. I contacted customer service on XX/XX/XXXX and XX/XX/XXXX. Today, a representative told me I was 'ineligible '. I am seeking the {$140.00} statement credit as promised in the advertisement. I called two times, and on the XXXX, the agent told me the previous agent never submitted the credit. Then I called today, and the agent said I'm not eligible for the credit, which makes no sense. I made the purchase using my Savor card ending in XXXX. 

Trip Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Formal Complaint : PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Case ID : XXXX ) Date : XX/XX/XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Against : PayPal , Inc . 

To the Consumer Financial Protection Bureau : I am filing this formal dispute against PayPal for facilitating {$2900.00} in illegal gambling transactions for a New York resident between XX/XX/XXXX, and XX/XX/XXXX. 

The Issue : The merchants XXXX XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$1000.00} ), XXXX ( {$210.00} ), and XXXX XXXX ( {$200.00} ) are unregulated sweepstakes/casino platforms. These entities are operating in direct violation of New York XXXX XXXX XXXX ( effective XX/XX/XXXX ), which bans such platforms and explicitly prohibits payment processors from supporting them. 

These merchants engaged in " Transaction Laundering '' ( XXXX XXXX ) by using deceptive, generic business names to hide their identity as gambling operators. This deception allowed them to bypass XXXX XXXX mandatory transaction blocks and PayPals own internal compliance controls ( Know Your Customer/KYC ). 

Consumer Harm : As an individual with documented impulse control disorders ( XXXX  and XXXX  ), I rely on state-mandated gambling blocks for protection. By processing payments for merchants who misrepresent their identity to evade these laws, PayPal facilitated an abusive trade practice under the spirit of the New York FAIR Act. XXXX failure to identify this laundering allowed these merchants to exploit my medical condition and circumvent the safety measures I have in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Received XXXX received payoff letter from the bank Received XXXX received late fee wavier from bank Paid off mortgage balance on XXXX. 
XXXX Requested mortgage satisfaction letter from bank. 
XXXX Bank replied balance due of XXXX XXXXXXXXand refusing to reflect paid off balance in account. 
XXXX.Informed bank that the positive escrow balance had not been offset pursuant to payoff letter. 
XXXX Bank refuses to reply as mortgage approaches delinquency status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: AZ

Complaint narrative:
I am contacting you regarding the alleged debt your company claims I owe. I want to make it absolutely clear that I dispute the validity of this debt and do not authorize any further contact from your company.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer provides written notice to cease communication, you are legally required to stop all contact except to confirm you will no longer be communicating or to inform me of specific legal action. Despite this law, your continued attempts to contact me and report this alleged debt have caused unnecessary stress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I, XXXX XXXX, am formally disputing the validity of the debt associated with my account referenced above. I am requesting validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34. I dispute the amount claimed and request full verification of the debt, including the following : The exact amount of the debt you claim I owe. 

The name of the original creditor. 

A copy of the agreement, contract, or other instrument that created the debt. 

Proof that Truist Bank is authorized to collect debts in the state of Texas. 

As of today, I have not received the requested validation, nor have I been provided with sufficient documentation to verify this debt. Due to this, I am requesting that all collection activities cease until the necessary verification is provided. This includes any further communication regarding the alleged debt and any reporting to credit bureaus. 

I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) for resolution and proper investigation into this matter.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/year>, I last used my Capital One credit card. Shortly after, Capital One restricted my account without providing clear explanation or a resolution process. 

I was behind on payments due to unexpected job loss. On XX/XX/year>, a friend made a {$1900.00} payment directly to Capital One from his bank account as a gift to help me. Instead of accepting this payment and lifting the restriction, Capital One flagged it and continued restricting my access to my account. 

When I called Capital One today ( XX/XX/year>XXXX  ) to resolve this issue, the call began with their standard recording notice. I informed them that I was also recording the call for my records. Once I stated I was recording, the representative refused to continue the conversation and would not help me resolve my issue. My call was essentially terminated, leaving me with no path forward. 

Capital One has not clearly communicated : Why my account remains restricted after payment was made What specific documentation or verification they need What steps I must take to resolve this A timeline for when I can access my account again I have been unable to use my credit card for approximately 8+ days. As a single mother who is currently unemployed and relying on credit for basic necessities, this restriction has caused severe financial hardship. I can not purchase groceries, pay bills, or handle emergency expenses. 

Company Response : Capital One refused to discuss the issue once I informed them I was recording the call, despite their own call being recorded. They have not provided written communication explaining the restriction or resolution steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: MO

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercury Financial Intermediate LLC
State: GA

Complaint narrative:
I am disputing a debt listed by XXXX XXXX XXXX XXXX XXXX that originated from a Mercury credit card. The original credit limit was approximately {$2800.00}, and the creditor ( Mercury ) charged off the account in XX/XX/year>XXXX writing off a balance of {$2700.00} as reflected on my Experian credit report. 

However, XXXX XXXX XXXX is attempting to collect approximately {$4000.00}, which is significantly higher than the charged-off amount. I never owed {$4000.00} on the account. I disputed the amount with XXXX, but the debt remained. I then sent a formal debt validation request to XXXX XXXX XXXX via certified mail, which was delivered to their XXXX XXXX  in XXXX, VA on XX/XX/year> ( USPS tracking confirmed ). They have not responded or provided any documentation validating the debt or proving their right to collect it. 

Despite receiving my request, XXXX XXXX continues to report the alleged debt to the credit bureaus without proper validation, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPB to investigate and instruct XXXX XXXX XXXX to either validate the debt with proper documentation ( such as a signed contract, complete payment history, and proof of assignment of the debt ) or remove the account from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: MD

Complaint narrative:
XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXis 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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am requesting debt validation for the above-referenced U.S. Department of Education account . I have not received documentation showing the original promissory note, loan disbursement history, repayment history, or proof of the current balance. Without this information, I can not verify the accuracy or legitimacy of the debt that is being reported.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Complaint Summary SoFi Bank Account Restriction On Thursday, XX/XX/year>, my wifes SoFi Bank account was unexpectedly restricted for approximately 18 hours due to alleged suspicious activity. There was no fraudulent or suspicious activity on the account. 

We immediately contacted SoFi and completed all required identity verification, which was successfully verified. Despite this, SoFi refused to promptly remove the restriction and did not provide a clear explanation for why access to the account was still denied.

This restriction caused significant and unnecessary hardship, including : A car payment being returned due to the frozen account A credit card payment being returned Inability to use XXXX or access funds while the account was restricted During follow-up calls, we were later informed that the account was being closed, again without a clear or adequate explanation, despite no confirmed fraud and full identity verification. 

SoFis actions resulted in loss of access to our own funds, payment disruptions, and substantial stress. We believe this handling was unreasonable and lacked transparency, and we are seeking immediate resolution, restoration of access to funds, and a clear explanation for the restriction and closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: DRB-40, LLC
State: DC

Complaint narrative:
I settled this account in XXXX  after purchasing a BROKEN bed from them for {$800.00}. I do not owe them anything. This account has been closed for years. Where did the {$32.00} even come from?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: BARCLAYS BANK DELAWARE

Complaint narrative:
I purchased tickets from XXXX, but the reseller canceled my transaction and never refunded my money. I am now living overseas and the company, despite having all my contact information ( email, Portal access, etc ) have not tried to reach out to me and have closed my account. I emailed the President of the company but they haven't provided any status update.They claim that they provided a phone number in their response but there was no phone number provided. I have not been given any further information, and the purchase is still accumulating interest and I am still responsible for the amount. I have provided them with screenshots of the purchase and the cancelation, to no avail.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid off my low limit ( their refusal to ever increase my credit limit is another complaint ) credit card earlier in the week, then paid it off again to XXXX it out so I could use it while I was in XXXX. The {$1000.00} deduction was taken from my personal bank account and cleared however my credit was never restored. I went into a Chase bank and the representative was also confused about it and had me call the Chase number. I was then told they froze my card because of suspicious paying it off which is truly absurd. Their only response was youll have to wait until the XXXX despite the fact its already been taken from my bank and Ill be gone from XXXX XXXX by then. It might be the worst business model Ive ever seen in my life.

Company response to consumer: Closed with explanation