vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
From XX/XX/XXXX XX/XX/XXXX have been calling to get fraud alert removed from my card. I put on the information in my profile that I was traveling to XXXX and they still shut it down. Numerous calls and escalations the can not verify me over the phone, text, or Email. They tried to call me but no think because I am traveling it is going straight to voice mail. So their only resolution is to snail mail me a letter with a code to verify me. The letter takes XXXX business days. I am in XXXX. How is that going to work? Frustrated ruined vacation running out of cash and missing points for executive platinum status.

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 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My daughter is traveling in XXXX. Capitol One recently rebranded the 360 checking account cards to XXXX, which is accepted no where in XXXX. Her only source of funds is a Capitol One Quicksilver card that she is an authorized user on my account. While trying to get her a debit card she can use, she charged the shipping of the physical debit card to the Capitol One credit card yesterday, XX/XX/year>. They shut the account off. I was able to have the restrictions removed yesterday by verifying my identity. This morning, XX/XX/year>, we tried to reorder the bank card shipping and they immediately restricted both our acccounts. I have uploaded additional identity verification to them and am now being told that it will take 7-10 business days for their Document Department to review and possibly remove the restrictions. Meanwhile my daughter is without any source of funds. I have spoke to three different Capitol One Agents this morning, each with a slightly different explanation, of why my account can not be restored. They are maintaining there is not a single Capitol One employee in all the land that can remove these restrictions in a more timely manner. Further, they all indicated the Document Verification Department does not work on weekends, even though the card can be restricted by them any time day or night, and there is nothing at all that can be done to expedite any review of the documents even though they have confirmed receipt of them this XXXX and there is nothing to do but wait, without a definitive review date available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Each time the payment was getting close to the date it would be late, I called to make arrangements. I always was able to speak with someone with compassion.Ive had XXXX XXXX XXXX, a XXXX XXXX and went thru two hurricanes, XXXX actually caused us to be out of work and power for approximately 3 months. Each instance we needed an extension the payment was added on to the end of the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account appearing on my XXXX credit report in the amount of approximately {$1500.00}. During my dispute, I requested full verification of the account, including documentation supporting the accuracy of the information being reported, proof of the collection agencys authority to collect, and details regarding the alleged debt. On XX/XX/year>, XXXX responded through the CFPB complaint process stating that the account was verified and that certain fields were updated. However, XXXX did not provide any documentation showing how the account was verified, what information was reviewed, or what specific changes were made to the account. Additionally, no itemized bill, account-level documentation, or explanation of the investigation process was provided. The response appears to rely solely on a general statement that the account was verified by the furnisher. Because XXXX did not provide sufficient information regarding the method of verification or documentation supporting the accuracy and completeness of the reporting, I do not believe a reasonable investigation was conducted as required under the Fair Credit Reporting Act. I am requesting disclosure of the method of verification used during the investigation and removal of the account if it can not be fully verified with complete and accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: TX

Complaint narrative:
I dont know this company that is trying to collect a debts that they own, they own that account or debts and they are trying me to pay for something that they own and I dont own or know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: FL

Complaint narrative:
I am filing this complaint against Grant Mercantile Agency , Inc. for failure to properly validate an alleged debt and for continuing to report and attempt collection on unverified information in violation of federal law. On XX/XX/year>, I sent a formal debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), disputing the alleged debt in its entirety and requesting competent evidence of my legal obligation. The company responded ( see attached documentation ), however their response was legally insufficient and did not meet validation requirements under federal law. Specifically, Grant Mercantile Agency failed to provide : A signed contract or agreement bearing my signature establishing financial responsibility Documentation proving they have legal ownership or assignment of the alleged debt A complete chain of title from the original creditor to their agency A full and accurate payment history Proof that the amount being claimed is accurate and legally owed Instead, they provided only a billing statement and a patient care report, which do not establish a legally enforceable obligation or satisfy validation requirements under 15 U.S.C. 1692g ( b ). Despite failing to properly validate the debt, the company continues to attempt collection and/or report this account to consumer reporting agencies. This constitutes violations of : 15 U.S.C. 1692g ( b ) Failure to properly validate a disputed debt 15 U.S.C. 1692e False and misleading representations 15 U.S.C. 1692f Unfair collection practices 15 U.S.C. 1681s-2 ( a ) and ( b ) Furnishing inaccurate and unverifiable information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy Because this debt remains unverified, it is legally unenforceable and should not be reported or collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im a XXXX XXXXXXXX person and is nearly impossible for me to get a job therefore XXXX cant earn any income at the moment because the company that I applied to work they discriminate against my XXXX and they dont hired me. I spoke to the financial company to give me a break to fix this issue and the company wont do anything the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. $ 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I accepted an in-app promotion for a {$5.00} XXXX bonus on a purchase of {$10.00} or more. Cash App 's internal transaction ledger will confirm that I completed a qualifying Bitcoin purchase of {$10.00} on XX/XX/year> at XXXX. Cash App has refused to honor the promotion. When I contacted customer support, representatives gave vague reasons but refused to clarify which condition applied. I request that regulators compel Block, Inc. to review my account activity and honor the advertised incentive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: Chime Financial Inc
State: LA

Complaint narrative:
I am filing a complaint regarding Chimes handling of unauthorized transaction disputes on my account. I discovered charges ( {$440.00} ) that I did not authorize and promptly reported them to Chime. After conducting what they claimed was an investigation, Chime denied my dispute and refused reimbursement. However, I disputed the exact same transactions through XXXX, and XXXX approved the disputes in my favor after reviewing the transactions. This directly conflicts with Chimes conclusion and raises concerns about whether Chime conducted a reasonable investigation before denying my claim. After the denial, I requested documentation and evidence explaining how Chime determined the charges were authorized. Chime only provided copies of documents I originally submitted myself, including my intake form, account statement, and submitted evidence. They did not provide any meaningful investigative findings or proof supporting their denial decision. Specifically, Chime failed to provide : * Merchant verification * Proof of authorization * Device or IP address records * Transaction authentication records * Evidence that I personally benefited from or approved the transactions * A detailed explanation supporting their conclusion I believe Chime failed to conduct a proper and reasonable investigation into my dispute as required under consumer protection laws governing electronic fund transfers and unauthorized transactions. I am requesting that Chime : 1. Reopen and reinvestigate my dispute, 2. Review the XXXX dispute findings approving the same claims, 3. Provide all evidence relied upon in denying my dispute, and 4. Reimburse me for the unauthorized charges. I have attached supporting documentation including XXXX dispute approvals, Chime denial communications, and proof that Chime failed to provide meaningful investigative documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Complaint Against : Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account Number : XXXX Complaint Summary : I am filing this complaint against Rent Recovery Solutions for failure to properly validate an alleged debt and for continuing to report inaccurate and unverifiable information on my consumer credit reports. On XX/XX/XXXX, I sent a formal Debt Validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). This request was sent via certified mail and received by the company. In response, Rent Recovery Solutions sent a letter dated XX/XX/XXXX, along with a copy of a lease agreement and a move-out statement. However, these documents do NOT constitute proper validation of the alleged debt. Legal Violations : Rent Recovery Solutions has failed to provide : Proof that I have a contractual obligation with Rent Recovery Solutions Proof that they own or were legally assigned this alleged debt A complete chain of assignment from the original creditor A full and accurate accounting of the amount claimed Competent evidence that the debt is valid and enforceable This is a direct violation of : 15 U.S.C. 1692g ( b ) Failure to properly validate a disputed debt 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair collection practices Credit Reporting Violations ( FCRA ) : Despite failing to properly validate this debt, the company continues to report this account to consumer reporting agencies. This constitutes violations of : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation 15 U.S.C. 1681e ( b ) Reporting inaccurate or unverifiable information Additionally, the information being reported appears incomplete and inconsistent, including but not limited to : Inaccurate balance reporting Missing or unverifiable Date of First Delinquency ( DOFD ) Incomplete payment history Inconsistent account status codes These issues raise serious concerns regarding compliance with XXXX XXXX reporting standards. Statement of Harm : This inaccurate and unverified account is negatively impacting my credit profile, limiting my ability to obtain credit, housing, and financial opportunities.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I havent it received any bills that I owed from this company, and I dont remembered I owed anything. This company never showed me proofs of this bill

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 2026-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
According to XXXX XXXX XXXX c you have violated my rights by in lawful communication please remove this collection from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Lowe 's is charging an interest fee and a {$80.00} fee a month on top of the interest. This card is not supposed to have an annual fee. My credit card is on autopay so it is paid on time every month. My payment is {$250.00} a month and only a few dollars is actually going towards the principal because they are charging me an extra {$80.00} a month. It's listed as payment security on my bill.

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 2026-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
XXXX XXXX never notified me of a debt collection. Issue though is with collection agency Harris & Harris LTD. I contacted them to pay off the debt, which I did settle in XX/XX/XXXX. They never sent a receipt/statement or letter confirming that I paid them the debt, even when requested. The collection continues to show in XX/XX/XXXX on XXXX for an amount that is different than the original debt and is interfering with my credit and ability to get a home loan. I disputed XX/XX/XXXX and Harris & Harris confirmed the debt collection as accurate to XXXX and XXXX. I called Harris & Harris XX/XX/XXXX to follow up and they confirmed that the debt was settled and the balance is XXXX. They stated they would report the accurate balance and collection status as paid on the next round of reporting and per my request sent me a letter stating the account was settled. This letter did not have the date that I settled it though in XXXX, but it did state that the account was paid. In XXXX they still reported an unpaid balance to XXXX. Again, I disputed and XXXX is saying they are still verifying that there is a balance ( which is not even the original balance ) and that it is unpaid. XXXX has suggested that they be reported to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: AL

Complaint narrative:
Re : Formal Dispute of Inaccurate and Fraudulent Collection Account Collection Agency : National Recovery Agency Alleged Original Creditor : Car Contract Servicing This is a formal dispute pursuant to 15 U.S.C. 1681i ( FCRA Section 611 ) regarding inaccurate, unverified, and potentially fraudulent information being published on my consumer report.I do not recognize this debt. I buy my vehicles exclusively with cash and have no relationship, contract, or open line of credit with " XXXX XXXX XXXX '' or " National Recovery Agency. " Furthermore, the data furnished contains a material violation of the FCRA regarding maximum accuracy : False Source Material : National Recovery Agency is reporting " XXXX XXXX XXXX '' as the " Original Creditor. '' XXXX XXXX XXXX is a third-party debt buyer, not an original creditor or primary lender.Violation of 15 U.S.C. 1681s-2 : The furnisher is willfully reporting inaccurate account relationships, resulting in a severely distorted and inaccurate credit history.Under federal law, you are required to conduct a reasonable investigation. If the furnisher can not produce an original, signed retail installment contract bearing my signature matching the exact metadata of an original lender, this account must be permanently deleted within 30 days. Failure to remove this unverified item will result in an immediate escalation to the CFPB and my states Attorney General for consumer optimization violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX allowed me to open a account and which I attempted to use the account to receive my funds from the network of survivors of domestic XXXX which was deposited of XXXX dollars in my account and whisked I transferred it over to XXXX which was a deposit of XXXX dollars and then proceeds to pay my bills which XXXX didnt allow for me to do so they immediately closed my account without any explanation or warning and I been trying to contact them before to add my bank account to my account and wasnt able to get through to them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: KEYCORP
State: OH

Complaint narrative:
I was approved for a loan from XXXX XXXX in XXXX, Ohio and they provided me three checks that was to be used to pay off three credit cards. The money was written in three different checks that was made payable to my credit card companies ( XXXX for {$1800.00} ) ( XXXX XXXX XXXX ) and ( XXXX XXXX ( that check went through immediately when I deposited it in my bank account ). I deposited those checks in my bank because it was easier for me to make the payments that way, which I immediately did ). One of the checks went through immediately and went ahead and made a payment. The second one ( XXXX XXXX XXXX ) was posted two days later and I made a payment afterwards the third one ( XXXX XXXX {$1800.00} ) went on a extended hold and was told the funds will be available on XX/XX/XXXX or XXXX. To cut this story short, keybank restricted my account with no notice and they completely mishandled the " investigation '' by informing me of different, misleading responses, they took back the one payment ( XXXX XXXX check {$2200.00} ) that was already posted and the fraud department claimed that they spoke to XXXX XXXX and was leaving the payment that was already posted as in. I also went into the bank multiple times and provided evidence that the checks was for me and where they came from and informed me that everything will be taken care of and they constantly misled me thinking the checks will stay in my account and they will leave the payment that was already made alone. Than they denied me multiple times to get access to my own money and was claiming I had no money and my online account was restricted so I couldn't see what was going on. Than they chose to wrongfully closed my account and chose to mail my remaining money that was not part of the checks that was made. Fast forward to XX/XX/year>, XXXX XXXX contacted me and stated that Keybank has not return the funds and allowed the money to sit into a account for over a month and did not notify me nor XXXX XXXX. When I called Keybank Fraud department they claimed that they sent XXXX XXXX XXXX a restitution letter multiple times which I think is XXXX. because no bank isn't going to ignore money being returned. This sloppy investigation has caused emotional stress and financial strain that has screwed up my accounts that was already paid including one being suspended and being reported to my credit bureau. Than keybank made a false claim and said I am not allowed to contact nor go into a bank and one local bank made threats against me.

Company response to consumer: Closed with explanation