vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Validation of Debt Request - JEFFCAPXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-03 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: NY

Complaint narrative:
I am filing this complaint against MIDLAND CREDIT MANAGEMENT , INC. for operating as a debt collector in the State of New York WITHOUT THE REQUIRED LICENSE, in violation of state licensing laws and the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, I sent a formal dispute and validation demand letter via USPS Certified Mail to MIDLAND CREDIT MANAGEMENT , INC. at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX, regarding two alleged debts they are reporting on my XXXX, XXXX, and XXXX credit reports : Account # XXXX Balance : {$540.00} Account # XXXX Balance : {$1100.00} Prior to sending my letter, I independently verified MIDLAND CREDIT MANAGEMENT , INC.s licensing status through the national XXXX Consumer Access database ( https : //www.nmlsconsumeraccess.org ). My search confirmed the following : MIDLAND CREDIT MANAGEMENT , INC. ( XXXX ID : XXXX ) is registered at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. NO LICENSE OR AUTHORIZATION EXISTS for MIDLAND CREDIT MANAGEMENT , INC. to operate as a debt collector in the State of NEW YORK. The XXXX database shows branches only in California, India, Philippines, Tennessee, Texas, and Virginia. New York is NOT listed. I have attached screenshots of the XXXX search results as proof of this verification. Despite lacking a license to operate in New York, MIDLAND CREDIT MANAGEMENT , INC. has been and continues to : Attempt to collect alleged debts from me, a resident of New York State ; Report credit information about me to the three major credit bureaus ( XXXX, XXXX, and XXXX ) on BOTH accounts ; Update this credit information monthly, with XX/XX/year>XXXX update dates on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/year>XXXX I deposit my check in to my navy federal checking account my account was frozen and restricted of all activities I turned in forms year after year since somehow the bank conclude to keep funds and accounts restricted please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WV

Complaint narrative:
XXXX owes me money after refusing unlocking an owned device. XXXX sent me a locked XXXX XXXX XXXX after I had to file a claim. I lost {$450.00} and then XXXX told me id have to file a whole new claim to get an unlocked device. I tried for XXXX weeks. I left XXXX after XXXX years of paying too much for service. So I walked away and no I did not pay the {$140.00} last bill. I lost my phone. XXXX XXXX both disputes. Now Harris and Harris are harrassing my daughter which was a child that had a phone on an account I owned.

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 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
My boyfriend was contacted at work via phone call by Midland Credit Management ( MCM ) about my debt owed. He answered the phone, they asked if they were speaking to me by first and last name, he said yes, and without verifying if it was actually me, they gave him my balance owed information without my consent. They did not verify anything other than my name and gave out personal information that is no one elses business. All he had to do was say that he was me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am a California resident reporting a billing dispute and administrative obstruction by Coinbase , Inc. totaling {$2100.00}. 1. Admitted Pricing Error & Unprocessed Refund : On XX/XX/XXXX, a Coinbase agent admitted that the $ XXXX price I was quoted was a system 'mistake. ' Although I successfully canceled the plan to prevent future charges, Coinbase has refused to refund the {$290.00} monthly charge associated with that misrepresented quote. Despite a support agent 's promise to process this refund, the funds have not been returned. XXXX. Non-Transparent XXXX XXXX ( {$1400.00} ) : Between XX/XX/XXXX and XX/XX/XXXX, Coinbase liquidated {$1400.00} in XXXX from my account. These transactions were entirely omitted from my monthly PDF financial statements. Finding these charges required a non-intuitive 7-step navigation path within the app. I received no email receipts or 'low balance ' notifications until XX/XX/XXXX, months after the liquidations began, violating the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) disclosure requirements. XXXX. Obscured Billing Interface & Dark Patterns : The billing history is presented in a 'rolling-down ' window that disables the ability to print, download, or save as a PDF, preventing me from maintaining standard financial records. Furthermore, I have documented that the 'Compare Plans ' and billing menus were suppressed from my view while the subscription was active, and only became visible after cancellation on XX/XX/XXXX. XXXX. Violation of XXXX XXXX ( Support & Cancellation Obstruction ) : I have spent over XXXX hours across 6 different agents attempting to resolve this. On XX/XX/XXXX, my support session was abruptly disconnected upon my request for a supervisor. This failure to provide a 'natural person ' to resolve a documented error and the intentional disconnection of support are direct violations of California XXXX XXXX non-obstruction standards for subscription services. XXXX. Administrative Obstruction of Records : Agent XXXX ' refused my request for an immediate chat transcript of this dispute and instead directed me to a XXXXPrivacy Rights ' portal with a 30-day waiting period. Under XXXX XXXX, businesses must provide billing and cancellation records in a manner that is 'capable of being retained ' by the consumer. Using a 30-day privacy request as a barrier to accessing evidence of a billing error is a bad-faith delay of my right to restitution. Desired Resolution : I request full restitution of {$2100.00}. I also demand that Coinbase produce the promised chat transcripts and the missing XXXX transaction receipts as mandated by the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
While trying to open a business account with XXXX XXXX I was denied being eligible for an account. The branch managers contact me personally and gave me the information to the early warning consumers company to contact on my behalf. Early morning service sent over a consumer report in Navy. Federal was listed four times with four different account numbers. Account number XXXX account number XXXX account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a Bank of America account on XX/XX/year>, I made a deposit of {$5000.00} to the account on XX/XX/year>. Then on XX/XX/year> without any warnings they closed my account due to not uploading my drivers license. I was not given any notification or prompted to upload my drivers license at any point during the opening of the account and while the account was open and in good standing. I was forced to open a new account and go in person to retrieve my funds, then due to the treatment I had received I summarily closed the account and left with my money on XX/XX/year>. I believe that this prompted Bank of America to report my credit/SSN to other banks. I tried to open a new account with XXXX XXXX XXXX shortly after in order to have my money in a different bank and was forced out of that bank as well due to the fraudulent report made by Bank of America.

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 2026-03-03 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: NY

Complaint narrative:
I am filing this complaint against PORTFOLIO RECOVERY ASSOCIATES , LLC for operating as a debt collector in the State of New York WITHOUT THE REQUIRED LICENSE, in violation of state licensing laws and the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, I sent a formal dispute and validation demand letter via USPS Certified Mail to PORTFOLIO RECOVERY ASSOCIATES , LLC at XXXX XXXX XXXX, XXXX, VA XXXX, regarding three alleged debts they are reporting on my XXXX, XXXX, and XXXX credit reports : Account # XXXX Balance : {$710.00} Account # XXXX Balance : {$1600.00} Account # XXXX Balance : {$2700.00} Prior to sending my letter, I independently verified PORTFOLIO RECOVERY ASSOCIATES , LLC 's licensing status through the national XXXX Consumer Access database ( XXXX XXXX XXXX ). My search confirmed the following : PORTFOLIO RECOVERY ASSOCIATES , LLC ( XXXX ID : XXXX ) is registered at XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. NO LICENSE OR AUTHORIZATION EXISTS for PORTFOLIO RECOVERY ASSOCIATES , LLC to operate as a debt collector in the State of NEW YORK. The XXXX database shows branches only in California, India, Philippines, Tennessee, Texas, and Virginia. New York is NOT listed. I have attached screenshots of the XXXX search results as proof of this verification. Despite lacking a license to operate in New York, PORTFOLIO RECOVERY ASSOCIATES , LLC has been and continues to : Attempt to collect alleged debts from me, a resident of New York State ; Report credit information about me to the three major credit bureaus ( XXXX, XXXX, and XXXX ) on ALL THREE accounts ; Update this credit information monthly, with XX/XX/year>XXXX update dates on all three accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: DISCOVER BANK
State: MA

Complaint narrative:
I ordered an item on XX/XX/XXXX. I paid for it by Discover Card. The items arrived three weeks later and 4 of the 6 were smashed and unable to be restored. I notified the company XXXX XXXX times in writing by email XX/XX/XXXX, XX/XX/XXXX and XXXX without ever receiving a response to any of the queries as to what I should do with the broken mugs. After giving them a month to respond I filed formal complaint with Discover Card, the mechanism I used to pay for the mugs. Discover is now telling me that " After considering all of the information I provided, were unable to change the outcome of my dispute. Your dispute is resolved and the transaction is valid. '' I never disputed that the transaction was valid. I gave them pictures of the broken mugs and copies of the emails sent to the merchant. I do NOT understand why it is that they think that I should have to pay for unused broken merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a victim of identity theft. The LVNV Funding/Resurgent account reporting on my credit file is fraudulent and does not belong to me. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting an immediate block and removal of this account. I disputed the account multiple times they called emailed and reported inaccurate information to my credit report

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

Complaint narrative:
unusual unauthorized account use. There was a XXXX dollar payment send from my paypal account followed by a XXXX dollar charge, as soon as i noticed it i called them and did all of thier two step authentication changes, password changes ect and filed a dispute. They will not let me speak to any one higher up and keep hanging up on me when i request the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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:
Good afternoon, On XX/XX/XXXX I received a Letter from Cash App stating I had XXXX dollars of unclaimed funds. This is with a Cash App account I had from XXXX XXXX. I stopped using it due to being hacked via my phone and email. Both my phone number XXXX and my old email address XXXX were cancelled and changed. I also do not have the cash app card or pin associated with it. Lastly, the Bank I had attached was also hacked so the account was closed and new Bank was opened. I have contacted the following numbers : XXXX - once XXXX - XX/XX/XXXX 3 times and XXXX twice XXXX - once I also emailed them at XXXX They responded by asking for pertinent information which I gave them. The final email oddly stated the Notice was inadvertently sent to me and to disregard. I emailed back stating I have a Cash App Statement showing I have a XXXX balance. Also the following customer service people stated they can see my previous account : XXXX, XXXX, XXXX and XXXX and XXXX. XXXX made me open another account so the funds could be transferred from the old to the new. It was not completed. XXXX also tried to transfer the funds and was not a success. XXXX made me transfer out the XXXX that was in the current account so that she could move over the XXXX did not work. XXXX today tried to give me access to the old account and was unsuccessful and as did the XXXX others said to call back in XXXX hours. The last rep someone had to call more then 10 times. This is not acceptable. All I want is for a cash app to either 1. Mail me a check or 2. Transfer the funds. This is frustrating and so beyond good customer service. You are my last straw. I have attached the Statement I received from XXXX. I will reiterate to you all the CS reps have seen the XXXX in my account but can't do anything about it. They can't even grant me access though I have given them my previous email and phone number. I explained numerous times I don't know my $ hastag name on the Cash App account nor do I know the pin as this account has not been used since XX/XX/XXXX. Let me know if you need any other information. Also, I will attach the original letter. If you need any further information, please contact me at this email address or XXXX Thank you so much for your help in this. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am disputing a fraudulent {$4800.00} charge on a card dormant since XXXX. I live in XXXX, Maryland and have never been to XXXX XXXX XXXX. Capital One provided a transaction IP address XXXX " XXXX XXXX '' as proof of the charge which proves I did not make it. They have failed to provide any billing statements or proof of authorization except the one that they manufactured.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: GA

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a complaint against Santander Consumer USA for improper autoloan servicing, misapplication of insurance and GAP payments, and continued assessment of interest and fees after my vehicle was declared a total loss. My vehicle was totaled, and both XXXX ( my auto insurer ) and my GAP insurance provider issued payments to Santander to satisfy the remaining balance. XXXX issued a payment of {$600.00} on XX/XX/2026, which Santander received. GAP also issued a payoff amount intended to close the loan in full. Despite this, Santander is : - Failing to apply XXXX {$600.00} payment to my account - Adding interest and fees after the totalloss date - Providing inconsistent and inaccurate balances - Charging late fees and miscellaneous fees that should not exist after payoff - Claiming I still owe a balance ( {$34.00}, then $ 300+, ) despite insurance and GAP payments covering the loan My transaction history shows multiple irregularities, including : - A late fee of {$34.00} added after the totalloss date - A principal charge of {$560.00} added without explanation - No record of XXXX {$600.00} payment being applied to principal - a miscellaneous fee of XXXX These actions violate standard autoloan servicing rules and mirror the same misconduct identified in the multistate lawsuit and {$550.00} million settlement against Santander , including : - Misapplication of payments - Improper interest charges- Failure to close paid accounts - Inaccurate balance reporting - Deceptive and predatory servicing practices I have called multiple times been hung up on multiple times and have gotten the run around they tell me to call back in XXXX to XXXX hours to see if the issue has been resolved.

Company response to consumer: Closed with monetary relief