vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I sent a written debt validation request via certified mail, which TRANSWORLD SYSTEMS INC received on XX/XX/year>. 
TRANSWORLD SYSTEMS INC did not provide any validation or response. Despite this, the company updated the balance on my credit report on XX/XX/year>. 
Updating a balance after receipt of a validation request constitutes continued collection activity without verification, in violation of 15 U.S.C. 1692g ( b ). The account continues to be reported without proof of authority, ownership, or validation. 
I am requesting deletion of this account from my credit reports and cessation of all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: OR

Complaint narrative:
I authorized a {$10.00} gas purchase. Chime applied a {$75.00} preset gas authorization hold, which caused my account to go negative. The gas station, identified on the attached receipt, requires customers to key in the exact dollar amount on the pump ; you can not simply run your card and fuel up at any amount. My initial {$8.00} attempt, which was all that was needed to refuel a rental car, resulted in a {$0.00} receipt with no fuel dispensed. I tried again, this time keying in {$10.00}, and the {$10.00} purchase is reflected on my account immediately after the {$75.00} hold. The gas station confirmedduring a call where both XXXX and Chime representatives were on the linethat the hold amount was determined by Chime, not the merchant. 

Chime representatives provided conflicting timelines for release of the hold ( 35 days, then XXXX  days ). During escalation, my call was disconnected twice, and a supervisor terminated the third call while I was requesting further escalation. Chime refused a courtesy credit or temporary relief despite this being a Chime-applied authorization hold that restricted access to my funds. 

My Chime ticket number, which I was told includes all call notes and recordings from today, is # XXXX. 

As a result, my account is now in the negative until I receive my next paycheck, causing financial stress and disruption. By the time this is resolved, the damage to my funds will have already occurred. 

I am requesting reimbursement or credit for the harm caused by this policy and a review of Chimes handling of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
This supplemental filing documents a systemic and ongoing inconsistency in JPMorgan Chase Bank, N.A.s handling of disputed transactions that are currently subject to an active CFPB complaint. 

While Chase has repeatedly represented to the CFPB that these matters remain under investigation, Chase has simultaneously issued multiple consumer-facing letters asserting that the disputes have been resolved, confirmed, or finally determined. At the same time, Chase has continued adverse account actions, including rebilling, balance increases, and credit reporting, as though the disputes were conclusively closed. 

The enclosed exhibits show that these conflicting representations are not isolated errors, but part of a broader, portfolio-wide pattern across multiple accounts and substantially identical transactions. Chases own correspondence demonstrates that final determination letters were issued during the pendency of the CFPB investigation and, in some instances, followed by subsequent communications stating that Chase was still working on the same claims. 

This dual posturetreating disputes as final for consumer and credit-reporting purposes while treating them as open for regulatory purposesraises material concerns regarding the integrity of Chases investigation process, the accuracy of its representations to regulators, and compliance with the Fair Credit Billing Act, Regulation Z, and the Consumer Financial Protection Act.

The consumer respectfully requests CFPB supervisory review of Chases dispute investigation practices, escalation controls, and account treatment during the pendency of CFPB-tracked complaints, as well as appropriate corrective action to address the ongoing consumer harm documented in the attached exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: GA

Complaint narrative:
I previously disputed this issue in XX/XX/XXXX when PayPal first placed a permanent limitation on my account. In PayPals written response at that time, they explicitly stated that my funds would be available for withdrawal on or before XX/XX/XXXX. That date has passed, and PayPal has failed to release my funds as promised. Despite multiple attempts to contact PayPal by phone, I have been unable to obtain an explanation or resolution, as calls are disconnected and no follow-up is provided. PayPal is now holding my funds beyond the agreed 180-day period without justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: IL

Complaint narrative:
Was never contacted by company about debt. Paid off all rent in full at end of lease, so any debt was a false charge by the company with no basis. Was charged XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing this complaint regarding materially incorrect information provided by Citibank concerning tax reporting on a discharged account.

Prior to filing my federal income tax return, I contacted Citibank by phone for the specific purpose of determining whether a Form XXXX would be issued for this account. I was explicitly informed by the Citibank representative that no Form XXXX would be issued.

I reasonably relied on this information when preparing and filing my tax return.

After my return was filed, Citibank issued and mailed a Form XXXX for the same account, directly contradicting the information previously provided to me by Citibank.

As a result of Citibanks incorrect guidance, I am now required to amend my tax return and address potential tax consequences, incurring unnecessary administrative burden, stress, and possible financial cost. This situation would have been entirely avoidable had Citibank provided accurate information when I proactively asked.

I am not disputing the validity or amount of the Form XXXX itself. My complaint concerns Citibanks failure to provide accurate information regarding whether tax reporting would occur, despite being directly asked about this matter.

Providing incorrect information about tax reporting obligations places consumers at risk of filing inaccurate tax returns and exposes them to potential IRS correspondence, penalties, and interest. This represents a significant consumer harm and a breakdown in Citibanks customer service and compliance processes.

I am submitting this complaint to ensure this issue is formally reviewed and does not happen to other consumers.

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
merchant did not tell the truth they got the car and took my money they claim i got the car. and took and additional payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
My identity was involved in a identity theft ring in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am filing this formal complaint due to a continued and unresolved inability to access online banking services, despite my identity being verified by XXXX Branch XXXX XXXX XXXX ( XXXX XXXX XXXX and confirmed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX 

The Issue : Since XX/XX/year>, I have been trapped in a technical loop. Your system successfully sends automated security passcodes to my device ( XXXX XXXX XXXX ), yet your enrollment portal fails to process my registration. Furthermore, I am receiving conflicting communications : Technical Failure : I have received multiple passcodes ( e.g., XXXX, XXXX, XXXX, XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The system is clearly capable of reaching my phone, yet XXXX XXXX XXXX ( XXXX XXXX ) claimed I could not be reached at XXXX. 

XXXX XXXX : I continue to receive marketing emails stating my account " has not been funded, '' despite the fact that I am actively using my debit card and have initiated external account verification ( deposits to account ending in XXXX ) via Capital One. 

Writ of XXXX XXXX : As a registered business entity operating under XXXX, the inability to access my digital portal interferes with my ability to manage " independently contracted '' funds and fulfill my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
After filing CFPB Complaint ID XXXX regarding improper loan servicing and failure to deliver a completed and approved solar system, XXXX has XXXX aggressive collection activity. 

Despite the loan being under active dispute, I receive XXXX to XXXX collection calls per day. During these calls, I clearly state that the account is under CFPB dispute, yet I am repeatedly told that I must pay no matter what. 

In addition, I received a written debt collection notice from XXXX stating that my account is overdue and threatening possible system disconnection and credit impact, even though : The solar system has not been producing energy since XX/XX/year> The project has unresolved permitting and inspection issues The loan is under an active CFPB investigation These actions appear to be attempts to pressure payment while bypassing the dispute process. 

In addition, because the solar system has not been producing energy, I have been required to continue paying my electric utility bill for approximately XXXX months, while also being billed on the solar loan. I also paid {$500.00} out of pocket in an attempt to repair or address system issues caused by nonperformance. These costs were incurred solely because the system was not functioning while collection activity continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I received a notice to resolve my legal collections account and they said they are offering me an opportunity to resolved my account with no further legal action. But this debt is from XXXX. This is from Midland Credit for XXXX XXXX XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally file a complaint regarding a serious breach of privacy and professional harm caused by American Express in connection with the closure of a company-issued card on which I was * * only an authorized user * *, not the account holder. 

American Express sent a letter to my employer notifying them that the company card associated with my name had been closed. This action was taken solely because of delinquency on * * my personal American Express account * *, which is entirely separate from the corporate account and currently enrolled in a debt relief program due to documented financial hardship. 

More concerning, when the owner of my company contacted American Express to inquire about the closure, your representative disclosed * * my personal financial and credit-related information * * to my employer. This disclosure occurred without my authorization and went beyond what was necessary to explain the status of a corporate account. During this conversation, your representative also reportedly offered my employer services to review the credit profiles of other managers. 

As a result of this disclosure : * My * * employment has been placed in jeopardy * * * My * * professional reputation has been negatively affected * * * My * * ability to perform day-to-day operational duties * * has been disrupted I want to be clear : I was * * not the account holder * * of the corporate card. My personal credit situation has no contractual or legal bearing on my employers account, and disclosing my personal financial information to a third party appears to be a violation of American Express privacy obligations and applicable consumer protection standards. 

I am requesting the following : XXXX. A * * written explanation * * of why my personal credit information was disclosed to my employer XXXX. Identification of the * * policies and personnel * * involved in this disclosure XXXX. Confirmation of what * * specific personal information * * was shared XXXX. Written assurance that this information has not been further distributed or recorded XXXX. A review of corrective actions to prevent this from happening again Given the professional and personal harm this incident has caused, I expect this matter to be handled with urgency. I am documenting this complaint formally and reserving all rights to escalate this matter if necessary. 

Please respond in writing within a reasonable timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: KY

Complaint narrative:
I was given a gift card and was not able to use the funds. Upon calling the company, I was given the same instructions and excuse many have filed a complaint about, already. The card is affiliated through XXXX ( complaints said XXXX wasn't able to help, I haven't personally gone to XXXX to see if they could resolve the issue. ) The companys ' website is www.prepaidgiftbalance.com. All complaints I read about this card and this company were the exact same as mine. {$100.00} gift card. Unable to use funds. Company won't help XXXX asks for fax of ID and card. It has been stated by multiple people there is an abundant amount of complaints, regarding this particular issue. Many got an attorney, while others filed a complaint here. The only proceedings I'm taking at this time, is filing a complaint here, and go from there. This was advised from others that have faced the same issue with this very company. If this is able to be resolved, that would be greatly appreciated, if not.. I thank you for your time, regardless.

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 2026-02-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: CA

Complaint narrative:
Company : Cash App Issue : Account frozen / funds inaccessible / failure to communicate Amount affected : ( insert amount if known ) Complaint : In XX/XX/year>, I attempted to use my Cash App card at the XXXX XXXX, and the transaction was declined with a message indicating suspicious activity. Immediately after, my Cash App account became unusable. 

I contacted Cash App in XXXX to inquire about the issue and was told that my account required review and that I would receive an answer within 3045 days. After waiting over a month with no response, I contacted Cash App again and was informed that the issue had been escalated to a back office team and that I needed to continue waiting. 

Because I could not obtain meaningful information, I requested to speak with a supervisor or manager. Cash App does not allow direct access to supervisors, and communication was limited to email. A manager contacted me in XXXX stating the account had been escalated. In XXXX, another manager confirmed the account was still under review and again advised me to wait. 

Since that time, I have contacted Cash App repeatedly on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( most recent ) Each time, I was told that the matter needed to be escalated again to the back office. I have received no substantive updates, no explanation, and no resolution since the managers message in XXXX. 

Cash App is currently holding funds in my account that I can not access. These funds originated from my personal bank account and were not the result of third-party payments. Cash App has provided no written explanation as to why my funds continue to be held or when they will be released. 

As of today, Cash App has retained my funds for several months without justification, transparency, or meaningful communication. This prolonged delay has caused significant inconvenience, disruption to my personal finances, and unnecessary stress. 

In addition to requesting the immediate release of my funds or a clear written explanation with a definitive timeline, I am requesting appropriate compensation for the prolonged inconvenience, lack of communication, and unreasonable delay in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am trustee of a trust trying to assume a mortgage as the previous mortgage holder has passed away. Mr Cooper has failed to complete the assumption in a timely manner and several calls have been made stating that my intent is to assume the mortgage. Mr. Cooper, XXXX XXXX XXXX XXXX, confirms they have documentation and then sends letters requesting the same information. In addition a loan modification has been requested and trial period was completed and then the terms sent over do not match the required terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: E Mortgage
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request a formal review of my VA XXXX refinance loan due to concerns regarding excessive lender fees, potentially non-compliant charges, and the circumstances surrounding the origination of the loan. Borrower Name : XXXX XXXX XXXX Address : XXXX XXXX Ct XXXX, VA XXXX Loan Type : VA Cash-Out Refinance ( XXXX ARM ) Closing Date : XX/XX/XXXX Lender : XXXX XXXX XXXX Mortgage XXXX Recipient : Village Capital & XXXX VA XXXX XXXX XXXX XXXX ) : XXXX Summary of Complaint : After reviewing my Closing Disclosure and consulting with a loan XXXX, I believe my loan XXXX include charges that are inconsistent with VA XXXX regulations and XXXX XXXX standards. A formal complaint was submitted to the Department XXXX XXXX XXXX on XX/XX/XXXX. The VA requested documentation from the lender on XX/XX/XXXX ; however, as of XX/XX/XXXX, the lender has not responded. My concerns include, but are not limited to : A borrower-paid underwriting fee, which VA guidelines XXXX prohibit A borrower-paid loan warehousing fee, which appears to represent lender overhead and XXXX not be allowable Discount points totaling approximately XXXX points ( about 5 % of the loan amount ) charged in XX/XX/XXXX as part of a rate buy-down. Based on my review and consultation, I understand VA guidance generally expects points to remain within reasonable limits and commonly referenced thresholds are significantly lower ( approximately XXXX points ). The amount charged raises concerns regarding reasonableness, disclosure, and compliance. Total origination and lender-related charges that appear to exceed the XXXX 1 % cap on lender-imposed charges as outlined in VA lending guidance I XXXX that the VA funding fee applies XXXX my loan and I am not disputing that charge. My concerns relate specifically to lender and origination-related fees. Additional Origination Concerns : The loan was originally presented and discussed as a XXXX fixed-rate mortgage. However, on the day of closing in XX/XX/XXXX, I was informed that the loan structure had been changed to an adjustable-rate mortgage ( ARM ). This change occurred after multiple closing delays that were outside of my control and resulted in my existing mortgage becoming overdue. Because of the timing pressure created by these delays and my financial circumstances at the time, I did not feel I had a meaningful opportunity to pause, evaluate alternatives, or fully consider the implications of accepting an ARM loan. I now believe I XXXX have been placed in a disadvantaged position and potentially taken advantage of during the origination process. I am prepared to provide supporting documentation upon request. Thank you for your time and attention to this matter. Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response