vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I requested funds from matured CD be wired to my external bank within the grace period of the maturation. I provided the account and routing numbers was read the disclosures and ended the call after being told it was being wired. I was then emailed that there was a security issue. They were unable to communicate with the bank according to representative. I requested a check be mailed after days without resolution. I was told I would have to pay a fee for early termination of the cd because it was renewed. I never was asked if thats what I wanted or told that would happen. After several weeks a check was mailed that I never received and was reported to be damaged by the shipping company. Despite a signed notarized affidavit and confirmation by the shipping company that it was destroyed they are holding these funds for an additional ninety days which is not acceptable and unscrupulously fraudulent. These funds are shared by me and my XXXX XXXX military son and this company has XXXX respect for customers or veterans and should be ashamed of their behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have no knowledge of student loans being given in my name I have not even obtained a XXXX yet so I can't be enrolled in college or getting funds for college when I haven't even finished high school. This is ruining my life

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: MN

Complaint narrative:
This is with CitiBank. The dispute is of {$3400.00} by XXXX XXXX CA. I did not receive the service for this transaction. XXXX. I submitted an original billing dispute on this purchase on XX/XX/XXXX. XXXX. Then I provided evidence on XX/XX/XXXX. Citibank sent me a letter stating that I did not provide any evidence. XXXX. I called and talked with a customer care person to reopen the case. I provided evidence of XX/XX/XXXX. The case was again closed on XXXX, XXXX stating I have not provided evidence. XXXX. I called again to reopen the case on XX/XX/XXXX. The case went to security department. XXXX. Around XX/XX/XXXX, I talked with the security department. They mentioned they are handing over the case to the billing dispute tea, again. XXXX. On XX/XX/XXXX, I called again and talked with another person from the security team. They mentioned that the case is still with them. Then they forwarded the case to the billing dispute team again. XXXX. I called on XX/XX/XXXX, it looks like the billing dispute team did not do anything in this XXXX month. I reported about this transaction before in XXXX. I received the security team 's response. I want the billing dispute team 's response and investigation report. I want a report discussing my evidences.

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 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the information on my Equifax credit report. The following charged off accounts contain inaccuracies, and I would like them to be investigated and corrected. Please review any inquiries as well. Charged Off Accounts : XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX MOR Date : XX/XX/XXXX XXXX MOR Date : XX/XX/XXXX XXXX MOR Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: MD

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy FCU continues to charge NSF fees, although the appropiate funds were in the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am submitting this formal complaint regarding my auto loan account ( # XXXX ) with Fifth Third Bank. As of XX/XX/XXXX, my account was current and in good standing. My regular monthly payment of {$550.00} was due on XX/XX/XXXX. There were no past-due balances reflected on my account at that time. However, on the morning of XX/XX/XXXX, I logged into my account and discovered that the account status had changed without any prior warning, notice, or communication. The account suddenly reflected XXXX alleged reversed payments : XX/XX/XXXX {$580.00} XX/XX/XXXX {$610.00} I was never notified of these supposed reversals at the time they allegedly occurred in XXXX. I received no letters, emails, phone calls, or other communication informing me that these payments were reversed. For nearly XXXX years, my account reflected no indication of any issue regarding these payments. In addition, my account now reflects an increased balance and shows a payment due date of XX/XX/XXXX, which is inconsistent with my account being current as of XX/XX/XXXX and having a regular payment due XX/XX/XXXX. This retroactive change is confusing and concerning. The sudden appearance of these reversals, the increased balance, and the incorrect past due date have caused significant concern and potential harm to my financial standing. I am requesting the following : A full written explanation of why these payments are now being classified as reversals. Documentation showing when and how Fifth Third Bank allegedly notified me of these reversals. A detailed account history reflecting all payments, reversals, adjustments, and balance calculations. Immediate correction of any inaccurate balance, due date, or delinquency status. Confirmation that no inaccurate negative information has been furnished to any credit reporting agencies, and correction of any such reporting if it has occurred. I respectfully request a prompt investigation into this matter and written confirmation of the resolution. Thank you for your attention to this serious issue. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
My certificate of deposit at Regions Bank automatically renewed at 0.03 % without clear disclosure of the new interest rate prior to maturity. The original CD earned significantly higher interest. I am requesting documentation of the maturity notice and the ability to withdraw the funds without penalty due to inadequate disclosure of the renewal terms. I requested : Immediate review of this CD renewal. The ability to close or restructure the CD without early withdrawal penalties. Documentation showing when and how notice of the renewal and new interest rate was provided.

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 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I had an issue with my bank being hacked so I had to shut done my account. Ive tried to call rocket mortgage and XXXX XXXX to let them know what my new account is. I have been calling since last Wednesday and all you get is a recording of a song, XXXX na be my neighbor For XXXX hours of holding Ive gone on all the websites put my information in put in my account number and theyre claiming that I do not have a loan with them but yet when I call, they tell me what my loan is with my phone number you can not speak to a human being whatsoever for Hours on end XXXX on hold waiting for them to answer my call. I do not and I hope not to get a late fee from them since they dont answer or their website is messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Validation of Debt Request - SEQUIUMXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
A debt collector for an apartment lease ( Rent Recovery Solutions, LLC ) is ignoring my certified, written settlement offers and will not respond in writing, even though this debt and eviction filing are preventing me from obtaining safe, stable housing. I have sent two letters ( XX/XX/XXXX and XX/XX/XXXX ) offering to settle for {$900.00} with proof of delivery on XX/XX/XXXX and XX/XX/XXXX, but I have received no written response at all.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
My mother send me money trough Cash App in XX/XX/2025. The payment of ( {$100.00} ) include the word XXXX on the transaction comments since is Mandatory to write something, and since this money will be used to buy food for my grandmother in XXXX that is the why. After receiving the payment, my account was restricted and my founds were held also with my mother account. It has now been 8 months, and despite calling Cash App customer service almost weekly, my issue has not been resolved and no explanation provided of what is happening with my case, they just said another team is working on it. My mother 's ( The sender ) account has been fully restored, but my account remains restricted and my funds ( bitcoin invested money and {$200.00} on the account ) are still being held. Also Cash App don't provide anything else than a file number that after 8 months I don't have anymore. I'm requesting that my account be reviewed immediately and my founds released. I have not violated any policies and have received no clear explanation for the prolonged hold of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER 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 2026-03-04 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: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, {$200.00} was withdrawn from my bank for my Self/Lead Bank credit card. The funds never posted to my account, never increased my credit limit, and do not appear in my Recent Transactions or on any statement. My XX/XX/XXXX statement and transaction history show no {$200.00} payment, no deposit, and no limit increase. When I asked for documentation ( ACH trace, posting date, ledger ), the company gave conflicting explanations, falsely claimed the payment reconciled and increased my limit, and then ended the chat without investigating. This violates Reg E ( ACH error resolution ), Reg Z ( payment posting ), and UDAAP ( misrepresentation ). The {$200.00} remains unposted and unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account that is currently being reported on my credit report. The account in question shows a balance that has already been paid in full and the account is closed. Because the account has been satisfied and no balance is owed, I am requesting that this account be removed from my credit report immediately. The continued reporting of this account is inaccurate and negatively affecting my credit profile. Please investigate this matter and update my credit report accordingly. If you are unable to verify the accuracy of this account, it must be deleted under the Fair Credit Reporting Act ( FCRA ). I have attached any supporting documentation showing that the account has been paid in full. Please send me written confirmation once the investigation has been completed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: FL

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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: DE

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This debt collector has engaged in FDCPA-unjustifiable practices, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement. A legal contract is signed by XXXX parties, and I did not participate in any of it. They didn't follow the proper XXXXstep validation procedure. Under the FDCPA, I am entitled to compensation for these violations, and they violated my rights and abused my privileges. I demand that this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NV

Complaint narrative:
Validation of Debt Request - SECURITY CREDIT SERVIC - XXXXXX/XX/XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation