vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, Capital One issued a check for {$2000.00} as part of the closure of my checking account. As of today, that check has not been received. I have contacted Capital One multiple times via phone and through their secure messaging system to request a trace, stop-payment, and reissuance of the check. Each attempt has failed to produce confirmation of whether the original check was cashed or when a replacement will be sent. 

Additionally, there is an outstanding balance of approximately {$1300.00} in the account that has not been released. I have requested a full reconciliation of all funds related to the account closure, including the {$2000.00} check and the remaining balance, but Capital One has not provided this information. Despite repeated follow-ups, the funds have not been returned, and I am seeking resolution for the undelivered check and the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
Misrepresentation of debt and lying to state regulators about delinquency days. 
Valon Mortgage says in there letter that it is not subject to mortgage broker laws when they denied receipt of XXXX certified mail notices and did not have to produce the wet-ink note. The XXXX XXXX XXXX XXXX 's seems to think lying to state regulators is outside of its jurisdiction being as all this information was supplied to them and they could not seem to catch them in the lies that were told, or simply did not care to deal with it. 
The XXXX credit report shows the loan was sold to Valon mortgage XXXX. Valon Mortgage then illegally transferred the loan to XXXX XXXX XXXX who said they may be a debt collector trying to collect a debt while at the same time being foreclosure counsel, and both simultaneously billing. None of these transfers appear on the allonge. 
After all of this Valon Mortgage continues to send its agents to my home to take pictures and harass us on a home they have no standing to collect on much less any authority to foreclose upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I subscribed to XXXX for {$100.00} with Capital One XXXX. When renewal date approached I saw rate had increased to {$390.00} and canceled subscription. On XX/XX/XXXX I was charged {$390.00} even though I had canceled the subscription and I disputed the charge with Capital One. Capital One claims they investigated and have determined the charge is good and I must pay it. XXXX  has deleted my account and Capital One refuses to provide any information as to what their investigation reviled or how they determined I should pay a {$390.00} subscription fee for an account that no longer exist!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute and Demand for Proof of Ownership Account Reference : XXXX Account Ending in XXXX To Whom It May Concern, I am writing in response to your recent correspondence in which you assert that Portfolio Recovery Associates , LLC ( PRA ) purchased the above-referenced account from the original creditor and that the account has been verified.

Please be advised that I dispute the validity and ownership of this alleged debt and formally request strict proof of PRAs legal standing to collect and report this account.

Specifically, I am demanding full documentation establishing an unbroken chain of title demonstrating that PRA has the lawful right to collect on this alleged obligation. This request includes, but is not limited to, the following : A complete Bill of Sale evidencing the sale of the alleged account from the original creditor to PRA.

The Assignment Agreement or purchase agreement identifying the transfer of this specific account.

Proof that the specific account number ending in XXXX was included in the sale, including account-level documentationnot a generic or redacted portfolio summary.

Verification that the dates and amounts allegedly transferred match exactly with the balance you claim is owed.

Please note that general statements, internal summaries, or affidavits unsupported by the above documents do not constitute competent proof of ownership. Business records alone, without authenticated transfer documentation identifying this specific account, are insufficient to establish PRAs legal right to collect or furnish information regarding this account.

If PRA is unable to produce the documentation requested above, then the alleged debt is unverifiable, and any continued collection or credit reporting may constitute violations of applicable federal and state law, including but not limited to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

This letter is not an acknowledgment of liability, nor is it a waiver of any rights. All rights are expressly reserved.

Please provide the requested documentation within the time permitted by law. Failure to do so will be documented accordingly.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is attempting to collect and is reporting a credit card debt they claim to have acquired from Citibank , N.A . related to a Best Buy account. XXXX XXXX XXXX states they acquired this account on or about XX/XX/2024 and is reporting a balance of approximately {$1100.00}. 

I dispute that this debt is owed to XXXX XXXX XXXX. They have not provided competent evidence that they have lawful ownership of the alleged debt or that the amount they are reporting is accurate. Specifically, I have not been provided with a complete chain of title showing the transfer of the account, a copy of the original signed agreement, or a full itemized accounting supporting the balance being reported. 

Despite the lack of full validation, XXXX XXXX XXXX continues to report this account to consumer reporting agencies and attempt collection. Reporting and attempting to collect a debt that has not been properly verified is inaccurate and incomplete and is causing harm to my credit profile. 

Until proper verification and proof of ownership are provided, this debt is not owed. I am submitting this complaint to request compliance with applicable consumer protection laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

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 2026-01-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
So I had a transaction in my account for {$170.00} through XXXX on XX/XX/year>. But I never bought anything from that merchant with that amount. I did do purchases before with that merchant and they are a shop in XXXX. When my bank asked them about it, they sent a picture of another parcel that I got before that. And my bank believed them since the address showed my address and they denied my fraud claim. But I did not do that transaction.

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 monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Good Day, I am writing to formally file a complaint regarding a sudden and significant increase in my mortgage payment and serious concerns about how my escrow account has been handled. 
For the past several years, my mortgage payment was approximately {$1900.00}, and my payment history has been consistently on time and in good standing. However, over the last few weeks, my monthly payment was unexpectedly increased to {$2500.00}, an increase of about {$600.00} without adequate explanation or prior notice. 
When I contacted my mortgage servicer, I was informed that my escrow account is now negative and that my escrow payment alone has increased to approximately {$1000.00}, supposedly for property taxes and homeowners insurance only. This explanation does not align with the actual tax amounts charged by my county, which are not that high.

Additionally, I discovered that the mortgage company placed an additional homeowners insurance policy on my behalf last year, despite the fact that I already had active insurance coverage. As a result, two insurance policies were paid, causing unnecessary and improper escrow charges. This appears to be a case of force-placed insurance, which significantly inflated my escrow balance and directly led to the payment increase.

This sudden financial burden has caused extreme stress to my household. My family works nearly seven days a week to meet our obligations, and this unexplained increase has affected our sleep, health, and financial stability. Raising a mortgage payment by such a large amount without transparent justification is, in our view, unfair, unjust, and harmful.

I am requesting the following : A full escrow analysis with a detailed breakdown of all charges.

Documentation explaining why force-placed insurance was added, and proof that my existing insurance was properly reviewed.

A refund or correction for any duplicated or improper insurance payments.

A review and correction of my escrow balance and monthly payment if errors are found.

I am prepared to provide supporting documents, including payment history, insurance policies, and tax records, upon request.

Thank you for your attention to this serious matter. I respectfully request a prompt investigation and written response.

Sincerely, Home address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Number : XXXX XXXX XXXX

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 2026-01-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: CA

Complaint narrative:
Hi i am trying to reopen my complain ( complain # XXXX ) .I enrolled in a program to fix my debt under the company XXXX XXXX XXXX in new york. They promised to fix my debt, lower my debt amount and help me fix my credit score. I started back in XX/XX/XXXX and they drafted from my XXXX XXXX back {$230.00} monthly until XX/XX/XXXX. It was adjusted due to some of the company I owed where removed in my account because i had to fix it myself and could no longer wait for them. I kept asking them to pls settle my other accounts because i kept getting call from debt collectors about having to pay my accounts and I had sent them the information but they still didn't fix the problem. Now XXXX of the companies I owe is suing me with the full amount and they don't want to work with me with a settlement and I cant afford that because I am still trapped in this program who promised me help that I didn't get. please help me all I want to do is fix my credit score and pay all of my responsibilities with the people I owe. The name of the company that is now suing me is XXXX And XXXX from XXXX WA. Thank u. 

They responded saying that there was a stopped payment on the account. Yes I put a stopped payment because none of their promises were delivered. The stopped payment was made not for long i believe it was for XXXX payment and I continue paying because they made promises again and i fell for it. My initial contract with them was XXXX account and not XXXX like what they were saying in their response. XXXX was remove cos nothing was being done ( no payments were being made ). I was getting bombarded with calls from companies and they said thsy will contact them but didn't happen so I made payments to XXXX company which i believe it's either XXXX 's or XXXX. I would like to get copies of the payments they made to the companies that was in my account to see what payments were made and I'm sure that there is little to none.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Branch Messenger, Inc.
State: NV

Complaint narrative:
Received a call from what I believed to be an uber agent who advised me of an additional bonus! I went through the steps I was advised. And my money transferred over and the caller disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I am filing this complaint against LVNV Funding/Resurgent for their unlawful, deceptive, and damaging reporting of a collection account that they claim to have acquired from a prior creditor. 

This account is currently marked as closed and charged-off on my credit report, yet LVNV/Resurgent continues to actively attempt collection, in direct contradiction to its reported status. This dual behavior is misleading, materially inaccurate, and constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and the FDCPA ( Fair Debt Collection Practices Act ). 

Furthermore, there has been no full validation of the debt provided despite past disputes. The original creditor has not provided verifiable documentation of the transfer or the terms under which this account was assigned to LVNV/Resurgent. This calls into question chain of title, legal standing, and reporting authority. 

Due to this continued and conflicting credit reporting, I have suffered the following : -Multiple credit denials ( including credit cards and rental applications ) -Increased interest rates on approved accounts -Ongoing emotional stress, anxiety, and lack of confidence in applying for essential services -Obstruction in securing reliable housing and financial mobility

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates , LLC is attempting to collect and is reporting a credit card debt they claim to have acquired from XXXX XXXX XXXX XXXX related to a XXXX XXXX account. Portfolio Recovery Associates states they acquired this account on or about XX/XX/2024 and is reporting a balance of approximately {$1100.00}. 

I dispute that this debt is owed to Portfolio Recovery Associates. They have not provided competent evidence that they have lawful ownership of the alleged debt or that the amount they are reporting is accurate. Specifically, I have not been provided with a complete chain of title showing the transfer of the account, a copy of the original signed agreement, or a full itemized accounting supporting the balance being reported. 

Despite the lack of full validation, Portfolio Recovery Associates continues to report this account to consumer reporting agencies and attempt collection. Reporting and attempting to collect a debt that has not been properly verified is inaccurate and incomplete and is causing harm to my credit profile. 

Until proper verification and proof of ownership are provided, this debt is not owed. I am submitting this complaint to request compliance with applicable consumer protection laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am unable to access {$250.00} in my Cash App account that has been withheld for approximately six months. 

The {$250.00} payment was sent by my mother and was initially flagged due to a typographical error in the transaction memo ( XXXX instead of scuba ). I contacted Cash App, and the issue was reviewed. Cash App confirmed that no XXXX, sanctions, or embargo violation existed and released the payment. 

Despite this determination, my account remains functionally restricted. The {$250.00} balance shows as available, but I can not withdraw it to my debit card, send it, or return it to the original sender. 

I have contacted Cash App multiple times requesting access to the funds or return to the sender. Support has acknowledged my complaint but has not provided a resolution timeline, restored access, or returned the funds. Support also stated they can not take action or confirm escalation from their channel.

The in-app chatbot repeatedly requests transaction details while preventing selection or attachment of the transaction receipt, creating an endless support loop.

I am requesting assistance to compel Cash App to either release the funds, return the funds to the original sender, or provide written legal justification for continued withholding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I was overcharged by a rental car company that put my credit card over limit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I sent a money transfer through Western Union with a promised delivery date of XX/XX/year>. As of today, the funds have not been delivered to my account. I contacted Western Union and requested cancellation. They provided a case ID XXXX but refused to cancel the transfer.

Under the CFPB Remittance Transfer Rule, if a provider fails to deliver funds by the promised date, the sender has the right to cancel and receive a full refund. Western Union missed the delivery date and is refusing to honor my cancellation request. This has caused financial hardship and appears to violate federal consumerprotection requirements.

I am requesting the CFPBs assistance to ensure Western Union cancels the transfer and issues a full refund immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
A debt collector ( TrueAccord ) contacted a third party regarding an alleged XXXX XXXX debt from XXXX. 

The email was sent to my sister, who has no connection to the account, and never authorized contact. My sister is currently serving in the XXXX XXXX. 

This disclosure caused significant stress for my family. My mother became involved after my sister received the email, and the situation created unnecessary emotional distress for all of us.

I disputed the debt and requested written validation. I was told I was required to email the company because the address they contacted was different, even though the original communication was not sent to me.

I am requesting that the debt collector cease improper third-party communications and comply with FDCPA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WI

Complaint narrative:
XX/XX/year> my information had been stolen and accessed through a new account I was able to gain access to the account and close it but unfortunately all my accounts are now closed. I used cashapp on A daily basis and I used it strictly to send and recieve money and pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I leased a vehicle from Honda finance in the beginning of XXXX  the car get repo I never get any information on how much car selling for few months later I received a call from a debt collector mentioned I owed XXXX dollars. The amount get changed off since XXXX  I never received a 1099C two months ago I contacted Honda financial services I told them I never received a 1099c. The lady told me Honda dont provide 1099C even its a charged off. Im file that complaint if Honda fail to provide me the information that I need it I will filed a contract through irs for tax fraud and file a lawsuit against Honda finance for tax fraud. XXXX will make it 3 years and never get 1099C

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX

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