vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Applied for Bank Of America XXXX XXXX Credit Card to get the promotional XXXX on board credit. Spoke with XXXX on XX/XX/XXXX said just needed ss # to proceed. Gave him info said approved for XXXX and card in the mail by XXXX via ups. Called today nothing on file but shows I had confirmation number and application submitted on 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 2026-02-21 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: 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 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
Money got sent to me on Venmo and I tried to transfer money out to my bank account and it refuses to transfer, saying " there's a error " do to wrong zip or card number but everything is right nothing wrong with my card nor my bank accounts I thought it was me but it's not because I never had a problem transferring money out before. I'm very livid that the money I earn I lost and worked hard for and needed it for groceries ect. I reached out to Venmo support and did everything they asked and it says it will take about 2 weeks but it's takes months or more so they never got back with me so I reached out to them again and it was the same thing never gotten back to me so I never got help and now I lost my money and can't transfer it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MS

Complaint narrative:
Didnt resolve debts. Currently have multiple court summons and collection actions with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: DC

Complaint narrative:
My car was repossessed in XXXX of XXXX  and has been auctioned and sold but they are still reporting it as missed payments after XX/XX/year>. It needs to be reported as a repo and backdated payments from when they repossessed vehicle. I never got options to get vehicle back :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was told by Citibank on XX/XX/year> that my checking account with my Debit card have been deactivated due to ( XXXX ) transactions online that I never authorized in XXXX, when I am physically here in the XXXX and unable to withdraw any money from my Debit card including online purchases. They send me a Debit card in two day and I did not activate it XX/XX/year> I found out that ( XXXX ) transactions were made and allowed the same online transactions that ( XXXX ) from XX/XX/year> is under investigation. And the new Debit card is the same Debit card number as the previous Debit card number that I am unable to withdraw any money or purchase online which I have not activated and ( XXXX ) transactions never made by me on the SAME XXXX XXXX that is still an issue with ( XXXX  ) transactions being investigated.

Can someone explain this? why ( XXXX ) international transactions was allowed vs ( XXXX  ) international transactions are investigation of the SAME place and issue of Identity Theft

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 2026-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
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: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I was charged {$58.00} using my Cash App XXXX for an XXXX XXXX  transaction. After the charge posted, i asked them why was i charged {$58.00}, XXXX stated that the charge for {$58.00} is from XX/XX/XXXX I do not see any XXXX order history on my XXXX account, and I do not recall disputing any XXXX transaction in XXXX. XXXX has not provided : The XXXX order ID Proof of delivery Proof of a chargeback dispute from XXXX The payment method used in XXXX Cash App denied my dispute twice and marked the decision as final without providing documentation explaining their investigation findings. 

I am requesting a full investigation and written documentation supporting this charge. If no proof exists, I am requesting a refund of {$58.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/year>, my XXXX {$71.00} call option in my XXXX IRA at Robinhood was assigned even though the stock never reached the strike price during regular trading hours. The day high was XXXX and the closing price was XXXX, so the option was out of the money all day. Despite this, Robinhood liquidated my shares after hours. 

The assignment record for this XX/XX/year> XXXX {$71.00} call was missing the assignment price. This omission occurred only on the assignment that happened below the strike price. Because the assignment price was missing, I was unable to audit the price action on the options due date or verify whether the assignment aligned with the closing price, day high, or XXXX reference price. This prevented me from confirming the accuracy of the transaction. 

I attempted to dispute the XX/XX/year> assignment within approximately XXXX hours by replying to the assignment email on XX/XX/year>. I did not know the email was from a noreply address, and Robinhood did not warn me that replies would not be received. When I realized this, I attempted to contact Robinhood through their online support system, but there is no message inbox, no support email, and no access to a human representative. Only an automated robot was available, which could not address the issue. 

Because Robinhood improperly assigned and liquidated my XXXX shares after hours, I lost the opportunity to participate in the significant price increase that occurred afterward. XXXX XXXX to nearly XXXX within the next XXXX  days. Had my shares not been improperly removed from my XXXX XXXX, I would have benefited from this appreciation. This caused direct financial loss. 

I requested the assignment price, the XXXX reference price, an explanation for why the option was assigned below the strike price, clarification of the afterhours liquidation, and a human review. Robinhood did not provide any of this information. 

My XXXX XXXX  now contains incorrect and incomplete transaction records. The improper assignment, missing price disclosure, and lack of human support prevented timely dispute resolution and raise concerns about Robinhoods reporting accuracy and operational controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: AZ

Complaint narrative:
I am filing a formal complaint against Midland Credit Management , Inc. regarding an alleged debt in the amount of {$610.00} reportedly originating from XXXX XXXX XXXX XXXX.

Midland Credit Management , Inc. is attempting to collect on this account and is reporting it as an open collection. I dispute this debt in its entirety. I do not have a contractual relationship with Midland Credit Management , Inc., nor have they provided competent evidence of a valid assignment granting them legal authority to collect.

I have requested validation of this alleged debt. They have failed to provide sufficient documentation, including : A contract bearing my wet ink signature A complete and unbroken chain of assignment from XXXXXXXX XXXX XXXX to Midland Credit Management , Inc.

A full itemized accounting showing how the amount of {$610.00} was calculated Without this documentation, Midland Credit Management , Inc. has not demonstrated legal standing to collect or report this account. 

They have never gotten back to me with the information because they do not have it and because no such contract bearing my wet ink signature between myself and Midland Credit Management , LLC exists. 

Continued collection activity and credit reporting of an unvalidated and disputed debt may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I respectfully request that the CFPB : 1. Investigate Midland Credit Management , Inc. for improper collection and reporting activity. 
XXXX. Require production of competent evidence establishing legal standing and contractual obligation. 
XXXX. Ensure immediate deletion of this account from all credit reporting agencies if proper validation can not be produced. 
XXXX. Mandate that all collection efforts cease permanently. 
XXXX. Provide written confirmation that this matter has been resolved and that my rights under federal law are no longer being violated. 

I dispute this account in full and request immediate corrective action. 

I request that my rights stop being violated in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
OK XXXX yrs ago I had a account with cash app and yes it was closed but I waited for over XXXX yrs to open up a new account so in XXXX ofXXXX I put in for a new account but I was asked to send in my proof of identity and I did what was ask the acct was never opened they are saying there transaction that is against policy but the acct was never used i never received a card nothing there is no charge on the acct

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
To Whom It May Concern : Portfolio Recovery XXXX XXXX XXXX, XXXX VA XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} Account XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} I am responding to your communication regarding the above-referenced account. This is not a refusal to pay, but a request for full validation pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 



Please provide the following : A copy of the original signed contract bearing my signature. 
A complete accounting of the alleged debt, including all fees, interest, and charges. 
The name and address of the original creditor. 
Proof of your authority to collect in my state. 
A copy of the assignment, transfer, or purchase agreement showing you have legal ownership and standing to collect this debt ( including the assigned contract ). 
Documentation showing you have a permissible purpose under 15 U.S.C. 1681b to report this account to any credit reporting agency. 




If you can not provide the requested documentation, you must cease collection activity and remove any reporting to the credit bureaus immediately. 



During this validation period, you are required to cease collection efforts. 



I request all future communication be in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
This is an updated dispute regarding XXXX XXXX XXXX XXXX and the alleged Synchrony Bank/Rooms To Go account.XXXX XXXX responded to my validation request with monthly statements, a Confirmation and Validation of Debt sheet, a generic Bill of Sale , and a redacted sale file. While I acknowledge that monthly statements were provided, the documents still do not meet the legal requirements for full validation under the FDCPA, nor do they establish ownership or accuracy of the alleged debt.1. No signed contract or agreement was provided. 
XXXX XXXX did not provide a signed credit agreement, application, or any document showing that I agreed to the account terms, interest rates, fees, or arbitration provisions. Monthly statements alone do not prove contractual liability.2. No complete chain of assignment was provided. 
The Bill of Sale is generic and does not list my name, account number, or any identifying information. It references an Account Sale Addendum that was not included. Without the addendum, there is no proof that my specific account was part of the sale.3. The sale file is redacted and not authenticated. 
The spreadsheet they provided is heavily redacted and not accompanied by a business records affidavit from Synchrony Bank. Without authentication, it can not be relied upon to prove ownership or accuracy.4. No business records affidavit was provided. 
XXXX XXXX did not provide a sworn statement from Synchrony Bank verifying the accuracy of the records, the sale, or the transfer of my specific account.5. The Bill of Sale contains inconsistencies and does not identify my account. 
The Bill of Sale references multiple dates ( XXXX, XXXX, XXXX ) and does not include any schedule or addendum listing the accounts sold. Without this, there is no evidence that my account was included in the transfer.6. Validation remains incomplete under the FDCPA. 
While monthly statements were provided, they do not establish : that XXXX XXXX legally owns the account, that the balance is accurate, that the account was properly transferred, or that the documents meet the standard of proof required for collection.7. I continue to dispute this debt. 
Until XXXX XXXX provides : a signed contract, a complete chain of assignment including the missing addendum, authenticated business records, and proof of ownership of my specific account, the debt remains unvalidated.I request that the CFPB require XXXX XXXX XXXX XXXX to provide full and proper validation or cease all collection activity and correct any reporting. I dispute this debt in its entirety.

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 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am writing this because my credit score got ruined over a huge misunderstanding that Barclays customer service couldn't help me fix for months. 
It started when I was looking at flights on Priceline. I entered my information to check the flight details, but I never actually bought a ticket. Somehow, their incredibly confusing website used the information I entered to sign me up for a Barclays credit card without my clear consent. I didn't even make a purchase, so I had zero reason to believe I had opened a credit account. 
Right around the exact same time, my job at XXXX issued me a commuter benefits Visa card. So, when the Barclays Visa showed up in the mail, I assumed it was the commuter card from my job. I started using it for my transit, totally believing the money was just being deducted from my paycheck like it was supposed to be. 
When I started getting calls from Barclays saying I owed them money, I honestly thought it was a scam because I knew I never applied for one. I spent months calling their XXXX XXXX and XXXX  departments backward and forward, begging them to tell me where this account came from and who opened it. Nobody there could tell me it was tied to Priceline. They just kept giving me different phone numbers and bouncing me between departments, and my account ended up going 30, 60, and 90 days late while I desperately tried to figure it out. 
Eventually, someone in their fraud and investigation department was finally able to tell me that the account was opened through Priceline. The second I realized what happened and that it was a real debt from that confusing website, I immediately took responsibility and paid a full {$600.00} settlement to close the account. 
After I paid the settlement, I contacted the XXXX of the XXXX at Barclays and spoke to XXXX to express my goodwill and ask for a deletion. She was incredibly understanding, but said she couldn't remove the late marks. However, she actually confirmed to me that their regular customer service wouldn't have known where the account originated from in the first place! 
This was an honest mistake caused by a deceptive website, and the late marks only happened because Barclays couldn't give me basic answers about my own account when I actively tried to investigate it. I'm just asking for some help getting a goodwill deletion of this account from my credit report, since I did the right thing and paid it off the moment I finally got an answer.

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 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I filed a compliant with Mohela as well. My loan information has not been communicated appropriately. My loans were placed in forbearance after I was approved for the forbearance to be removed. My PSLF application was not processed appropriately, as I had qualifying employers that were not approved. When contacting Mohela, their representatives to not provide information that is across the board. Each representative provided me different information, and made me believe my issues were being resolved when they were not. Mohela also placed me in the forbearance after approving me to be out of it without my knowledge.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I had an IRA at XXXX funded from a prior employer 's XXXX I rolled over. Someone hacked into the account and moved {$120000.00} to a Citi account that was fraudulently opened in my name and social. Citi bank will not speak with me regarding the account as they ask for a cosigner name on the account and I would have no idea as I didnt open the account. I am currently out $ XXXX and neither XXXX or Citi Bank will do anything to restore the funds. The FBI/ police confirmed at no point did I ever give out my info, click on any links or do any other wrongdoing besides it being past 30 days when I finally noticed the money was missing. Please any help would be greatly appreciated! Thank you.

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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
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 non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing this complaint regarding IQ Data XXXX XXXX for reporting a collection account of approximately {$1600.00} related to an apartment lease from XX/XX/XXXX. 
During our tenancy, we were scheduled to transfer from a one-bedroom unit into a two-bedroom unit. When we toured the two-bedroom unit with a leasing employee, it was visibly infested with roaches. Because of the condition of the unit, we did not move into it and remained in our original one-bedroom apartment. Despite not occupying the two-bedroom unit, rent funds associated with that transfer were taken. We raised concerns that the rent money connected to the two-bedroom transfer was mishandled or improperly applied. A police report was filed regarding the situation. There were issues surrounding that transfer, and we even filed a police report regarding related concerns. I also spoke with leasing office employees and a HUD housing associate who visited the property. I was advised not to worry because my deposit was returned and the ledger showed a XXXX balance. 
Despite this, in XXXX the account was placed into collections and is now being reported on my credit report. When I contacted IQ Data XXXX to understand the debt, I asked for clarification of what I supposedly owed and how the balance was calculated. Instead of receiving a clear itemized explanation, I experienced pressure to settle the debt. The representative became increasingly agitated and asked me psychological questions such as how much my credit score meant to me on a scale of XXXX. I was told the only settlement option was a one-time offer contingent on immediate payment, without written confirmation of deletion terms. 
I have disputed this account with the credit bureau multiple times, yet it continues to be verified without providing proper documentation reconciling the alleged balance with my final {$0.00} statement.

Company response to consumer: Closed with explanation