vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
During the pandemic I it make difficult to to may the payment on time due the macy store was closed, and new york XXXX XXXX cuomo avise in press conference no to do the payment because we are on emergency stay home. The after 30 day I received treating call from a lady treating me to pay right away or she with damage my credit, I explain the reason why the payment wasn't delivered and she reply tell you governor to take care this for you I this pay over the phone and closed the account and I think she retaliate we the late.payment. And this is affecting me and my family of XXXX children and wife since that creditor denai me credit, And I dispute we the credit company XXXX and the fail, state the address wrong to long to be in the report, forbearance do pandemic nothing work we them is just a way to harm the consumers you never see a late payment in my report just this because the pandemic.. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Same address in last XXXX years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I deposited an IRS tax refund check endorsed to me by my brother into my Capital One account to assist him with cashing it, as he is unbanked. Since the deposit, Capital One has placed a 60-day hold on the funds. I have made repeated, good-faith efforts to resolve this, but the bank has refused to provide a reasonable solution. Specifically : Lack of Flexibility : The bank demanded an in-person visit to a branch XXXX hours away for identity verification. They refused to accept alternative, secure methods of verification, such as remote identity proofing or verifying the payees information. Denial of Requests : My requests to have the check rejected or returned to the IRS were denied without a valid justification. Withholding of Personal Funds : Following these failed attempts at resolution, I requested the closure of my account. Capital One closed the account and banned me from future services, but they are currently withholding my entire account balanceincluding my own personal funds unrelated to the checkwithout providing a clear timeline for the release of these funds. The banks refusal to allow for reasonable verification or to release my personal funds is causing me significant financial hardship. I am requesting that Capital One immediately release my remaining balance via a cashiers check mailed to the address on file, or establish a reasonable, remote process for me to verify my identity and recover my funds. I have full documentation to prove the legitimacy of the transaction and my own identity. " capital one bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JPMorgan Chase notified me that it intends to close XXXX newly opened credit card accounts on XX/XX/year> due to a connection with a publicly reported financial investigation from many years ago. The accounts are in good standing and were opened recently for routine personal use. I have asked Chase to reconsider the decision and respectfully request review before the closure date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
What Happened : I am filing this formal complaint against Chime due to an ongoing, systemic failure in their identity verification process that has completely locked me out of my financial accounts and cut off access to my funds. Recently, my mobile phone was stolen. I filed a police report and, after being unable to recover the device, acquired a new phone and a new phone number. Because Chime relies heavily on SMS verification for account access, I contacted their customer support to update my phone number so I could log into the mobile app and manage my money. Instead of assisting a victim of theft, Chime 's support team and automated systems have trapped me in an unresolvable loop. I have spent over an hour on the phone with their representatives, who instructed me to provide my state-issued ID to verify my identity and process the phone number update. I provided my valid, state-issued ID, which I obtained over XXXX months ago. However, Chime 's automated system repeatedly rejects it, falsely flagging the ID as " too new '' to be validated. The frontline customer service representatives claim they have no capability to manually override this algorithm, verify my identity through alternative methods, or escalate the issue to a department capable of resolving it. Because Chime operates without physical branches, I am entirely at the mercy of their digital infrastructure. Their refusal to implement a functional fallback procedure for victims of phone theftand their reliance on a flawed verification algorithmhas resulted in the withholding of my personal funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to Wells Fargo bank in XXXX texas to open an account. I deposited a check from card bank of {$5100.00} opening the account. The very next day I was informed the account was closed I was never given a realistic reason for the account to be closed. So I asked that the sum of {$5000.00} be wire transferred to my bank in Georgia that was deny to me I was told that the bank had sifted a check to me for my account balance and I would have the check this was in XXXX today is XX/XX/XXXX I am now told by this bank XXXX the check was made last month and mailed this was a outright lie. When I contacted the customer service I found that the check would be cut today XX/XX/XXXX I opened this account in good faith and deposited my money XXXX was the payment gir my XXXX from the XXXX XXXX my XXXX payment I have not received my money causing great harm as I needed my XXXX payment available to cover my personal bills I feel I was lied to and my money held without reason and refused to allow me to just withdraw I received a letter telling me I could and when going to the Wells Fargo XXXX told by the bank XXXX I could not withdraw my money that I must wait for them to cut me a check. XXXX he told me it was cut on that date I have suffered great stress and hardships due to there regular to let me have my money I think they should be fined for keeping my money and not allowing me to get my money that was I. XXXX bank today is XX/XX/XXXX and I have not received anything from this bank as a national bank you woukd think that they would release funds to the owner of the XXXX and not create a stressful situation

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 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am attempting to resolve a collection account reported by National Credit Systems related to a lease break fee with XXXX XXXX. The balance reported is approximately {$6100.00}. On XX/XX/year>, I contacted National Credit Systems by email requesting a settlement arrangement that would include deletion of the collection account from my credit reports upon payment. I followed up again by email on XX/XX/year>. On XX/XX/year>, I sent a written settlement offer proposing payment in exchange for deletion of the collection account from XXXX XXXX XXXX XXXX for both consumers listed on the account. I later spoke by phone with a representative and a supervisor at National Credit Systems. During that conversation I was told that a 50 % settlement could qualify for a courtesy deletion. However, I was also informed that the company would not provide any written confirmation of the deletion terms. After that call, on XX/XX/year>, I sent another email documenting the conversation and requesting written confirmation of the settlement terms before making payment. I did not receive any response to that email. I am attempting to resolve this matter responsibly and am willing to settle the account, but I am seeking written confirmation of the agreed settlement terms before making payment. My concern is that the company verbally referenced a courtesy deletion but has declined to confirm those terms in writing or respond to my written follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

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 explanation
Consumer complaint received 2026-03-11 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 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 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing this verified account pursuant to the Fair Credit Reporting Act ( FCRA ), and I request that this inaccurate and unauthorized account be blocked or removed immediately. I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX as evidence. Under the FCRA, specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), credit reporting agencies must block or remove inaccurate and unauthorized information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this, the following inaccurate and unauthorized account was verified on my credit report : Account Name : XXXX XXXX XXXX - XXXX This verification is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification. This simple verification is illegal, as no evidence or written certification of my authorization for this account has been obtained. According to the Fair Credit Reporting Act ( FCRA ), the reinsertion or verification of previously deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. I urge the CFPB to ensure EQUIFAX complies with the law by blocking this inaccurate and unauthorized account immediately and confirming the action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: SC

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I reported a dispute XX/XX/XXXX. I received my taxes XX/XX/XXXX. I went out of town this same day. I stated that my purse was stolen at the airport. I submitted the claim the same day I came back on XXXX Territory. I called Current, and they made the claim less than 3 days the said the purchases were made by me. However I was in another country! I appealed the decision. They denied my appeal, I sent proof of me on a boat in XXXX and the same time purchases were being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: NC

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
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 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 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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX XXXX reserved a room at the XXXX XXXX XXXX XXXX. Use my debit card for a {$100.00} deposit on a room. The XXXX XXXX XXXX XXXX, released the XXXX dollar deposit on XXXX XXXX XXXX at XXXXXXXX XXXX Cash App will not release my {$100.00} back to my bank account.Cash app has been holding my funds. I filed a dispute with cash app, provided them the. Required documentation that they asked for provided them with the contact information of the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and they still refuse to return my money. My bank info is XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of an alleged account that your company is attempting to collect or has furnished to one or more consumer reporting agencies. This correspondence constitutes a request for full validation of the alleged obligation. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., I request that you provide competent evidence demonstrating that I have a legal obligation to pay the alleged account. Please provide the following documentation : A copy of the original signed agreement or contract creating the alleged obligation A complete and itemized accounting of the alleged balance, including all fees, interest, and adjustments The name and address of the original creditor and the date the account was opened Documentation demonstrating your legal authority to collect on this account, including proof of assignment or transfer Documentation demonstrating that the alleged account belongs to me and has been reported accurately Additionally, pursuant to the Uniform Commercial Code, including but not limited to UCC 3-501, 3-503, and 3-505 regarding presentment and proof of obligation, I request competent evidence of the alleged claim and the instrument upon which such claim is based. Until the requested documentation is provided, I dispute this account in its entirety. If your company can not provide the requested verification, you must cease collection activities and correct or remove any reporting associated with this account from all consumer reporting agencies in accordance with federal law. Furthermore, if this account has been furnished to any consumer reporting agency, I request that it be clearly marked as disputed pursuant to the Fair Credit Reporting Act while this matter is under investigation. Failure to provide proper validation may constitute violations of federal consumer protection laws, and I reserve all rights and remedies available to me. All future communication regarding this matter must be conducted in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Spring Oaks Capital SPV , LLC and the account they are reporting on my credit report as originating from XXXX XXXX. I previously disputed this account and requested validation of the alleged debt. In response, Spring Oaks Capital provided documentation including a bill of sale and assignment agreements related to the sale of a portfolio of accounts. However, the documentation provided only appears to show the transfer of a portfolio of receivables between companies and does not demonstrate that my specific account was included in that transfer. The documents provided reference account data contained in electronic files identifying the specific accounts included in the portfolio sale, but those account schedules were not provided to me. As a result, the documentation submitted does not verify that the specific account being reported on my credit report was actually included in the portfolio that was sold or transferred. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), a furnisher of information has a duty to conduct a reasonable investigation and verify the accuracy and completeness of the information they report to consumer reporting agencies when a dispute is submitted. Providing documentation that shows a general portfolio purchase, without documentation connecting my specific account to that transfer, does not sufficiently verify the accuracy of the tradeline being reported. Additionally, the documentation provided does not include a complete account-level history, original account agreement, or documentation demonstrating how the balance currently being reported was calculated. Because the documentation provided does not establish that my specific account was included in the portfolio transfer or that the reported balance is accurate, I believe the account may be inaccurately reported.

Company response to consumer: Closed with explanation