vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I was contacted by mail from CBE Group regarding an alleged debt related to XXXX. I do not understand why I would owe approximately {$100.00}, and when I searched for my information on CBE Groups website, no matching case or account could be found. 

I then attempted to contact CBE Group several times by phone during regular business hours but was unable to reach a representative or receive a callback. Despite making multiple good-faith attempts to dispute this matter before the stated deadline, I was unable to speak with anyone or obtain information about the alleged debt. 

As a result, I have been unable to properly dispute or resolve this issue and am requesting assistance in obtaining validation or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Please see the attached letter from Citbank, which was a response to my complaint regarding 2 fraudulent charges on my LL Bean Mastercard, one for {$500.00} and a second one for {$550.00}. 

After an investigation and complaint here to CFPB, Citibank agreed that the charges were fraudulent and promised to credit my account for the two charges play {$15.00} in associated interest. This is stated in the letter,. 

This never happened and I have been waiting since XXXX. I am owed at least {$1000.00} and would appreciate prompt action.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency TeleRecovery # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

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 2026-01-06 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I am writing for a billing dispute regarding the incorrect application of a payment processed on XX/XX/XXXX. 
On XX/XX/XXXX, I processed a payment of {$1200.00} with a customer service representative. This payment was specifically authorized and clearly intended to pay off the full promotional balance associated with a washer and dryer purchase for best buy. 
At the time of the transaction, my total account balance was {$1400.00}, which included both promotional and non-promotional charges. Upon reviewing my statement, I discovered that the payment was not applied as directed, resulting in material inaccuracies. 
As a result of the improper payment application : A promotional balance of {$460.00} remains, which should have been fully satisfied My account reflects a total balance of {$1100.00}, which is inaccurate Additional figures have appeared that are not supported by proper accounting Had the payment been applied correctly, the promotional balance would have been paid in full. From XXXX through XXXX, my correct balance owed is {$780.00}, representing only my remaining non-promotional charges, including : A minimum payment obligation of {$29.00} which is now reflecting a higher minimum of {$42.00} because of the incorrect balance. 
Additional charges totaling {$190.00} Other non-promotional purchases comprising the remaining balance I do not owe the amounts currently reflected as {$1100.00} or {$1200.00}, as these balances are the result of the payment being misapplied. I started this journey of getting this corrected XXXX, and XX/XX/XXXX.

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under UCS151681, section 602 states I have the right to privacy, 15USC1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC166B, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I noticed that my PayPal account was taken over by unknown party and realized they made crypto transactions without my knowledge. The offender bought and transferred XXXX crypto to account and defrauded and acted without my authority or knowledge. So I immediately changed the unknown phone number that was added on XX/XX/XXXX and I changed the password then discovered unauthorized crypto transactions in a matter of three days so I reported to PayPal. PayPal closed the case on XXXX in favor of the other party, without detailed investigation. All purchase from XXXX XXXX on the crypto transactions were made from different various devices from different operating system using different IP address addresses and made multiple transactions, which is consistent with my device that I use. These are obviously fraud, but they ruled against me without looking at investigate properly before closing the case. I did not realize the ruling until after 10 days has passed, which was there rules to make an appeal. I didnt receive the requested information about the transactional information and. I believe they were not considered of the dispute, and I want to reopen that case but PayPal does not allow it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am submitting this complaint regarding Discover Banks failure to comply with its obligations under the Fair Credit Reporting Act in connection with a credit card account it reports to the consumer reporting agencies. 

On or about XX/XX/year>, Discover Bank received my written direct dispute challenging the accuracy of information it is furnishing to XXXX XXXX XXXX XXXX. This dispute was sent via certified mail and delivery was confirmed. 

Despite the passage of more than XXXX days from receipt of my dispute, Discover Bank has failed to respond, failed to provide any results of an investigation, and failed to demonstrate that a reasonable investigation was conducted as required by 15 U.S.C. 1681s-2 ( a ) ( 8 ). 

Discover Banks failure to respond to my dispute while continuing to report negative information constitutes a failure to investigate and a violation of the Fair Credit Reporting Act. 

As of today, Discover Bank continues to furnish information that has not been verified, supported, or explained, causing ongoing harm to my credit profile. 

I am requesting that Discover Bank : Provide written documentation demonstrating that a reasonable investigation was conducted, including the method of verification and records reviewed, or Immediately instruct the consumer reporting agencies to delete the account as unverifiable. 

Continued reporting without compliance with the FCRA is inaccurate and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I made a wire transfer on XX/XX/25 for {$100000.00} to my new bank which went thru as expected. Now i'm trying to wire the balance of the account, roughly {$150000.00} and now the wire service isn't working and XXXX XXXX is telling me they need XXXX days to correct. This is completely unnacceptable and against their own regulations. Please advise next steps i can make to get my money out of this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently discovered while trying to open a new bank account with a local credit union in XXXX NY, where I live, that Truist bank erroneously reported my name on a " red flag list '' for opening new bank accounts, due to refusing to remove my name of an ex spouse 's checking account for several years, while the account was in good standing with him. They are trying to make me liable for {$850.00} he owes on his checking account that has nothing to do with me, and I made it clear to this bank, I have nothing to do with HIS checking account, and contacted this bank for XXXX YEARS. trying to remove my name off this checking account, WHILE IT WAS IN GOOD STANDING, and they refused to remove my name every single time. When I called multiple times to remove my name ( I have been in XXXX NY now for several years, not in Florida where it was opened ) they would state " You need to come into the bank to close it. '' I repeated multiple times I am in XXXX NY, there is no Truist bank within hundreds of miles, and that is not an option. I asked for a different option to remove my name off of this account, and they refused to give me a different option to remove my name off this account. Basically, this bank refuses to remove people 's names off other people 's accounts to try to make them liable for others people 's debt. I am someone with excellent credit, and this bank is holding me XXXX for someone's account that is not mine, and I should not be held responsible for this bank making it impossible for people to remove their names off of other people 's accounts that were in good standing, due to their shady, unethical bank practices. I am asking for intervention to force this bank to do the right thing and remove my name off this account that is not mine, and remove my name from the " red flag '' they erroneously reported me on, which is now making it impossible for me to open a new bank account. Any other answer from this bank other than " We have removed your name from this person 's account and removed your name from the " red flag list '' will not be acceptable. I will continue to make additional complaints against this bank with other organizations for unethical practices and fraud for engaging in this deceitful behavior, will flood this bank with negative reviews all over the internet, and will contact a lawyer to see if I can sue them if they do not do the right thing and remove me from this account and " red flag '' list.

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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
So on XX/XX/XXXX I sold {$120.00} worth of XXXX and was told funds will be received XXXX to XXXX hours. Yet once sold I then got a message saying they are gon na hold it for XXXX days till XX/XX/XXXX. I really needed the funds and was put in a rough spot so I reached out and asked if we could do any type of verification to release funds since it was for safety reasons and they said no its out of there control. The company Im talking about is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
I have a payment arrangement in place with Javitch Block for {$25.00} per month. I began having issues with the phone payment service beginning in XXXX where my file couldnt be located. I would typically need to enter my info XXXX times before it was recognized and would take my payment. I left a voicemail message with my pertinent info beginning in XXXX reporting the issue and requesting a callback. I have never been able to reach an agent by waiting on hold during normal business hours. I have to date placed 28 calls to Javitch Block trying to make a payment by phone, requesting an agent when my file couldnt be located by the automated service, and waiting on hold then 15-45 minutes without any agent assistsnce. Every time I have left a message with my name, phone number, case number, last 4 of my social, and stating the issue and requesting a callback or an email. To date no one from any phone number has returned my call. There have also been zero calls without a message unless the agent would use some spoof number. 
Regardless, the website does not have any option to pay the agreed amount and clearly states no emails will be returned but instead the XXXX should be called.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

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

Company 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 2026-01-06 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: GA

Complaint narrative:
I requested the original signed agreement or application, the complete account history, proof of ownership or assigment the original account number, the date of the first delinquency, and a full itemized balance breakdown, none was provided. And on XXXX they have no info about the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX charged {$130.00} from my bank account for a XXXX XXXX annual subscription that I did not knowingly authorize. I was staying at a XXXX hotel and was required to use a XXXX XXXX account simply to access a computer. I was not informed that this would enroll me in a full-year paid subscription, nor did I consent to an annual charge. I canceled immediately after discovering the charge, but XXXX refused to issue a refund ( XXXX case # XXXX ). I disputed the charge with my bank, which initially issued a provisional credit and later reversed it without providing proof of authorization. I have experienced a similar provisional credit reversal previously involving PayPal ( case # XXXX ), raising concerns about my banks dispute handling practices. 


XXXX did not send a cancellation confirmation. Instead, I received a renewal email showing the full-year charge, which I did not authorize. I attempted to cancel immediately, but there is no confirmation from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Tilt Finance, Inc.
State: FL

Complaint narrative:
I obtained several small cash-advance loans through the Empower mobile app, typically between {$100.00} {$300.00}. Empower would withdraw repayment amounts from my XXXX checking account. At some point, Empower blocked my access to the app. I was unable to log in, manage my account, communicate with the company, or review balances or repayment status.

After I lost access, Empower continued initiating ACH withdrawals from my bank account. When I disputed these transactions with XXXX, the merchant name changed repeatedly first Empower, then Tilt / Empower, and then Tilt. Each time the name changed, new withdrawals were able to go through even though they were related to the same original loan relationship. On multiple days, the company withdrew {$200.00} {$300.00} at a time.

I did not authorize multiple new merchants. I only consented to the original Empower advance. Because my account access was blocked, I could not stop or manage payments or even verify what I supposedly owed. I had no way to contact the lender through the app. 

XXXX initially issued dispute credits for the unauthorized transactions but later reversed them after no findings, despite acknowledging that repeatedly changing merchant names to continue withdrawing funds is highly questionable. These reversals resulted in funds including VA-protected deposits being taken from my account. Those VA funds should not have been touched.

I believe Empower/Tilt engaged in unfair and deceptive practices by : Charging my account for a subscription service I was blocked from using.

blocking consumer account access continuing withdrawals without valid authorization changing merchant names to bypass fraud protections and disputes I also believe XXXX failed to adequately protect my account and my VA-protected funds.

I am requesting : a full investigation reimbursement of the unauthorized withdrawals and dispute reversals confirmation that Empower/Tilt can not continue to debit my account protection of my VA-protected deposits going forward I am a XXXX veteran and XXXX XXXX. These withdrawals caused financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Upon attempting to make a purchase with my PayPal Chashback Mastercard on XX/XX/year>, my account was blocked and the card was disabled. After several calls to customer service, I was sent to the fraud department and was told I had to have a biometric face record made and copies of my driver 's license in order to have access to my account. Does every account have to do this? I said I didn't want to do this invasive step but they insisted. They stated I could write a letter in regular mail. The MasterCard is recent, but I have been a member in excellent standing with XXXX for XXXX  years with no issues. I need to know why my account was blocked for hours while I sat in phone queues. My FICO score is XXXX. I have the same email, phone number and home address over XXXX years. I have never defaulted or paid a bill late. I was denied access to my money yesterday and I need to know why.

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