vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
I am filing this complaint regarding a months-long restriction on my ability to use cryptocurrency transfer features on Robinhood. Although Robinhood 's interface states that identity reviews typically take 13 business days, my account has remained in a 'pending approval ' state for months. I have contacted Robinhood support multiple times to resolve this. Support agents have confirmed that my Two-Factor Authentication ( 2FA ) is active and my ID is current, yet they stated there is 'no way to expedite this process. There are no active account restrictions or pending document requests holding up this review. By indefinitely delaying this standard verification without cause or communication, Robinhood is effectively preventing me from accessing and managing my digital assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because a credit account that does not belong to me continues to appear on my credit report despite my previous dispute. I have already notified the credit bureaus that this account is fraudulent and the result of identity theft, and I provided supporting documentation, including my FTC Identity Theft Report. The account associated with XXXX XXXX XXXX account number XXXX date opened XX/XX/year> balance {$560.00}, was not opened, authorized, or applied for by me, and I have no legitimate relationship with this creditor. Despite my dispute, the account continues to be reported on my credit file without any sufficient or competent evidence proving that I authorized it. The continued reporting of this inaccurate and fraudulent account is damaging my credit profile and reflects a failure to conduct a proper investigation under the Fair Credit Reporting Act ( FCRA ). According to my Identity Theft Report, this account was opened fraudulently and should be blocked and removed from my credit file. I respectfully request that this matter be properly investigated and that the fraudulent account be permanently removed from my credit report.

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 2026-03-08 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Company : Goldman Sachs Bank USA ( Apple Card ) Product : Credit Card Issue : Billing dispute / Unauthorized transaction Complaint : I am submitting this complaint because my dispute with Goldman Sachs regarding my Apple Card has been repeatedly closed without a proper investigation. The dispute case number is XXXX. I have opened this dispute multiple times because the transaction in question was not authorized by me. However, each time I reopen the case, Goldman Sachs closes it again stating that the transaction was authorized. I have specifically requested that they provide evidence from the merchant proving that the transaction was authorized, but they have not provided any documentation or proof to support their conclusion. Instead, the dispute continues to be closed without addressing my request for verification. It is extremely frustrating that the bank continues to dismiss my claim without conducting what appears to be a thorough investigation or obtaining proof from the merchant. I believe I am entitled to see the evidence used to determine that the transaction was authorized. At this point, I am requesting that this matter be properly investigated, including obtaining documentation from the merchant that proves the transaction was authorized. I also request that Goldman Sachs provide me with the evidence they relied upon when closing my dispute. I would appreciate assistance in ensuring that my dispute is fairly reviewed and that a proper investigation is conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I disputed the late payment reporting on my Indigo Mastercard account ending in XXXX. In response, the company stated that minimum payments were not received for the XXXX through XX/XX/year> billing cycles and that the delinquency was reported accurately. They also stated that they mailed billing statements and that the reporting is allowed under the Fair Credit Reporting Act.However, the documents provided do not prove compliance with 15 U.S.C. 1666b and 1637 ( b ). A payment may not be treated or reported as late unless a compliant periodic billing statement was actually delivered at least XXXX days before the payment due date. The company did not provide proof of delivery, mailing records, or electronic delivery logs showing that the required billing statements were sent in compliance with federal law. They also did not provide sufficient proof of the negative reporting notice required under 15 U.S.C. 1681s-2 ( a ) ( 7 ). The continued reporting of late payments without this documentation is inaccurate or unverifiable and is harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: WA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF XX/XX/XXXXXXXX XXXX, DEFENDENT ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, Mass XXXX XXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, Suite XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XX/XX/XXXX for XXXX Consumer Financial Protection Bureau

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 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing a formal complaint against PayPal regarding the confiscation of funds from my account. On XX/XX/XXXX, my PayPal account was permanently limited. At that time, my account balance contained approximately {$740.00}, which remained after I deposited {$970.00} and completed three legitimate purchase transactions. PayPal informed me that the funds would be held for up to 180 days. During this period, the balance remained visible in my account. However, on XX/XX/XXXX, after only 141 days, PayPal removed the entire remaining balance and reduced my account balance to {$0.00}. I was not provided with a clear explanation, evidence of any policy violation, or justification for the confiscation of my funds. I dispute PayPals actions and believe this constitutes an improper seizure of my funds. I did not knowingly violate PayPals Acceptable Use Policy, and PayPal has not provided proof of any violation. Relevant transaction IDs include : XXXX XXXX I am requesting the immediate restoration and refund of my remaining balance of approximately {$740.00}. If PayPal believes a policy violation occurred, I request that they provide specific evidence and documentation supporting their decision to permanently confiscate my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt collector has engaged in inexcusable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. This experience has kept me obtaining employment, purchasing reliable transportation, and the ability to purchase property. According to the FDCPA, Im entitled to compensation for these violations, and clearly, they violated my rights and abused my privileges. I request that this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TN

Complaint narrative:
Lost my phone and XXXX XXXX card and netspend at a local store. Didnt notice till about a hr later teturn back and they said someone turnt it in after spending my funds

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 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Oliphant United, Inc.

Complaint narrative:
I was alerted on either Tuesday or Wednesday XX/XX/year> by XXXX XXXX XXXX and XXXX on my phone via there respective apps. about a negative impact on my credit. I quickly flipped through the apps I found out about a " COLLECTION '' placed on my credit account, by XXXX " OLIPHANT USA LLC '' with staggering amount of $ XXXX, only. I browse through the said Oliphant USA llc, to see if I can contact them and know about the suspected figure on my account, I called XXXX, to know the reason for the debt, when? How? and why no correspondence to my address to that effect. They refused to tell me the financial institutions that I was indebted to, that unless i disclose my last XXXX SSN, pay a {$1.00}, my address, phone number, XXXX. respectively. Anyways I still parted with a {$1.00} finally, because I am curious to know, it was when they wanted my full SSN, I opted out. I immediately checked through my XXXX XXXX again, to know the financial agency I was indebted to, I saw XXXX XXXX XXXX, In my mind, I dont know about there existence, or have any dealings with them. I XXXX to find out If they truly exist, I called the Customer service line, finally they said I DO NOT HAVE RELATIONSHIP or ANY OF THERE AFFILLIATION. They sent me a fraud form to complete and sent back to them, which i did accordingly. My credit has been hurt as result of such dubious things and I do believe there was theft on my identity or personal data has been hacked. Kindly help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PRIMARY RESIDENTIAL MORTGAGE
State: VA

Complaint narrative:
XX/XX/XXXX, received a non-escrowed mortgage from Primary Residential Mortgage Inc, AKA, PRMI Fall XXXX, ( exact date is unknown to me ) PRMI sends {$1500.00} to XXXX XXXX Virginia for taxes. Again this is a non-escrowed loan, PRMI should have never sent this money to the county XX/XX/XXXX PRMI send a letter to my address on file stating they had done an audit, and they were requesting me to submit payment to satisfy this escrow account. XX/XX/XXXX I submitted my first payment to satisfy the escrow balance that should have never been there in the first place, " escrow account '' clearly marked on the check, however PRMI for the second time misapplied my monies to the wrong account. Instead of the escrow account, PRMI applied the money to my principle and payment. This payment as well as the XXXX subsequent payments have all been misapplied, with none of the clearly marked escrow payments going towards the escrow balance. XX/XX/XXXX, i sent an email requesting this to be corrected and apply my monies to the appropriate account. To date, there has been no response from PRMI to my email and all escrow payments have not been applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: IN

Complaint narrative:
Direct Express took XXXX cents off my debit card. They said the merchant ( XXXX ) took it because of an unpaid amount from XX/XX/year>. I called XXXX numerous times and they said they didnt have nothing to do with it. I dont owe them any money. XX/XX/year> Direct Express took XXXX off my card. Nobody will tell me why. They took it off and refuse to put it back on there. I dont owe XXXX any money from XXXX. I spoke with the manager at XXXX and they told me I dont owe them anything and Direct Express took it off my debit card. They were very rude to me and keep blaming it on the merchant. This is so unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This bank, Citibank, is disrespectful. They ask for absurd things and, to top it off, they never arrive. Bureaucracy is rampant, they run down your credit score, and then they tell you to cancel the process. Never use this bank, it's horrible!

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 2026-03-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
They are putting my funds on hold I was unable to purchase food last night and I called the worker told me my card would work in the morning because the system was down. I asked why do I need to wait until they turn it morning when they just cut it off and was told it was computer generated. The lady hung up on me because I told her I was going to report them because wasnt anything suspicious about me buying food at XXXX XXXX XXXX XXXX grown and its my money. The following day I called at XXXX XXXX on XX/XX/26 and my card still wasnt working because the lady said I had to confirm a purchase at the XXXX XXXX store from the day before and I told her why the rep I spoke to the night before did not discuss this I needed food so I had to borrow money to grab something quick. I went to grab some items from the XXXX XXXX and donut shop my card worked but when I tried ordering pizza my card was locked again. So basically every time I make a purchase they are locking my card. I want to also note that the rep took my number down and said they will reach out to ask if I made a purchase before they cancel it. Please shut them down they are horrible I feel like Im being targeted because I filed a complaint and every since I file a complaint my card keep being cut off randomly

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 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
This debt collector has engaged in inexcusable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. This experience has kept me obtaining employment, purchasing reliable transportation, and the ability to purchase property. According to the FDCPA, Im entitled to compensation for these violations, and clearly, they violated my rights and abused my privileges. I request that this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: WA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I got a notification from CashApp that a device had logged into my account on XX/XX/year> at XXXX XXXX. No other devices have ever had access to my account or information. Four transactions proceeded to happen without my authorization. The first transaction was for {$310.00} at XXXX XXXX on XX/XX/year>. In the second transaction they borrowed money from CashApp for {$60.00} at XXXX XXXX on XX/XX/year>. The third transaction was money added to the account from a XXXX account for {$49.00} at XXXX XXXX on XX/XX/year>. The final transaction was a withdrawal of {$110.00} at XXXX XXXX on XX/XX/year>. Upon seeing this I immediately locked my account and filed a dispute through the CashApp mobile app as well as calling to file a dispute on all of the transactions. They informed me that the device used to make the transaction was a device that I did not recognize or have an affiliation with. After some time I received an email that my disputes were denied because, the payment was authorized by you or someone with permission to use your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KS

Complaint narrative:
I have made multiple requests to MOHELA over the past year plus and complaints against MOHELA through both Federal Student Aid and my state representative against MOHELA for placing my account in Forbearance status without my authorization. MOHELA has also backdated my student loans into Forbearance status without authorization and with no reason, no notification, and no documentation, when the account was previously in repayment status. Dates include XXXX & XXXX. None of these months were authorized to be placed in Forbearance status and MOHELA refused to remove my account from Forbearance status even when requested. MOHELA claims they placed it in forbearance because of a total XXXX application; I wasn't applying for XXXX for myself : I was trying to download a blank application for a friend to review with her doctor. MOHELA has refused to remove this application from my account and the associated forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation