vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: NM

Complaint narrative:
I am filing this complaint regarding a collection account reported by Debt Recovery Solutions in the amount of {$590.00} AND {$510.00} I am the victim of ongoing identity theft. Over the past several years, fraudulent accounts and collections have repeatedly appeared on my credit reports without my knowledge or authorization. I have previously reported identity theft to law enforcement and federal agencies, and I have submitted identity theft documentation to the credit bureaus and creditors regarding these incidents. While my prior police reports may not specifically identify this newly reported collection account, they document the ongoing identity theft activity affecting my personal information. The appearance of this Debt Recovery Solutions collection account is consistent with the pattern of fraudulent activity that has been occurring on my credit file. My social security number and credit have many flags of identity theft as well upon receiving this debt you should have easily seen the on going flags on my account. I did not open, authorize, apply for, benefit from, or otherwise assume responsibility for the account being reported. I dispute this debt in its entirety. I am attaching supporting documentation, including police reports, identity theft reports, fraud documentation, and any additional evidence available to demonstrate the ongoing nature of the identity theft affecting my credit profile. Pursuant to the Fair Credit Reporting Act, I request that this account be thoroughly investigated and removed from my credit reports. I also request that Debt Recovery Solutions provide complete documentation establishing that I personally opened, authorized, or am legally responsible for this account. If such documentation can not be produced, I request immediate deletion of this collection account from all consumer reporting agencies. This account is causing damage to my credit and appears to be another instance of fraudulent activity associated with my identity theft history. Given the extensive documentation already provided regarding prior fraudulent accounts, I request prompt review and removal of this inaccurate reporting. Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I was previously a member of XXXX XXXX and they had a valid credit card on file. They got bought out by another company called XXXX. I did not sign with XXXX and they sent a bill to collections. I spoke to the collections agency and sent a letter in the mail asking for proof of the amount that I owed and some form of documentation to prove this. I have not received anything as of yet. I am not responsible for a bill I did not agree or sign any contract with. I want to dispute this and also have the derogatory marks removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am requesting that my account restriction be reviewed and removed as soon as possible. The funds deposited into my account were legitimate contributions from friends and former coworkers participating in a traditional savings arrangement known as a XXXX. These transactions were not related to any fraudulent or unauthorized activity. To help verify the legitimacy of these deposits, I provided the phone numbers and contact information of the individuals who sent the funds.To capital one I have fully cooperated with Capital Ones Request and have supplied the information necessary to confirm the source of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is the XXXX attempt to stop charges on my credit card for XXXX XXXX. Please see previous complaint. Though the response letter from XXXX started that a merchant specific block was placed on my card, as well as account updater services that allow merchants to refresh card info has been disabled and that Any attempted transactions will decline I have still been receiving charges on my card for XXXXXXXX XXXX I did speak to XXXX XXXX Who signed the response letter. He said he would make some inquiries to figure it out. Then on XX/XX/XXXX I received a letter from him, that said to stop this recurring charge I need to contact the dispute resolution center. If there is already a block on my card why would this be happening? I have contacted resolution services many times with no results already. Can I not trust the bank to do what they say they have done???

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: NY

Complaint narrative:
On XXXX I disputed purchase as I did not recieve the item I bought. XXXX already tried to resolve with merchant and filed a claim with XXXX XXXX. The merchant advised me to file a dispute as they would not resolve. XXXX XXXX gave me a provisional credit and a day later on XXXX took the credit away and claims it is because XXXX responded. I recieved a letter saying the dispute was originally found in my favor but now is valid. Botttom line I did not get my delivery and the price was {$330.00}. XXXX XXXX says it looks like was delivered but could be across the street or at a neighbors. I tried to search and could not locate my delivery. I have now contacted the store to see if i can simply come and pick up at store they tell me to file a claim with XXXX XXXX I did that and was told to file a dispute by merchant which I did and now my money has been taken and recieved no items which I have been charged for and I have exhausted all efforts with store, XXXX XXXX and XXXX XXXX. Even if it says the item was delivered it does not mean it was at right address or that it was not stolen and I should not be held responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood froze or restricted my account based on an XXXX XXXX XXXX XXXX. Subsequently, the XXXX XXXX issued a " Termination of Order to Withhold Personal Income Tax '' dated XX/XX/year>. This document specifically instructed Robinhood to : Release any funds, credits, or assets being withheld Cease withholding upon receipt of the notice The XXXX release notice indicates that Robinhood received the document on XX/XX/year>. Despite receiving an official levy release from the issuing authority, Robinhood has continued to restrict my account and has not provided a clear explanation as to why the restriction remains in place. The document Robinhood received was not a levy, a new order, or a request for information. It was a formal release directing Robinhood to release assets and stop withholding. I have repeatedly attempted to resolve this matter directly with Robinhood and provided the XXXX release document. Robinhood representatives have acknowledged receipt of the document and advised that the matter is being reviewed by their back-office team. However, my account remains restricted. My concern is that Robinhood appears to have either misunderstood the XXXX release document or failed to timely act upon it. As a result, I have been deprived of access to my assets despite the state agency 's instruction to release them. I am requesting that the CFPB investigate whether Robinhood improperly continued to restrict my account after receiving the official XXXX levy release and require Robinhood to provide a clear explanation for its actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
On XXXX XXXX a {$170.00} usd transaction ID txn XXXX paypalhas been deleted this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: MA

Complaint narrative:
I have received multiple emails to my personal gmail email address identifying debt to another person and asking me to pay. I do not owe this debt and never gave XXXX, Indebted or XXXX XXXX permission to email me. I am not a customer of any of those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Good Afternoon, A few months ago, I submitted a complaint about a wrongful restriction that was on my zelle account. While the option to enroll in zelle was lifted and back on my banking app ( XXXX ), it seems as if either XXXX or Zelle, has intentionally blocked my phone number and email from being able to re-register. I have called both companies and both just claim it is the other companies fault. People have sent me money via zelle, and it just sits in cyber space as I am unable to transfer it out. It has genuinely become infuriating at this point. It also shoots me an email that my phone number was recently deleted when I havent deleted anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK
State: HI

Complaint narrative:
I am the legal representative for my aunts estate. My aunt passed away in XX/XX/year>. Since the receipt of her death certificate in XX/XX/year>, I havent received any bank statements or have access to her account. I have sent additional death certificates, probate documents, multiple email and phone conversations to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Hello, I recently applied for and was approved for the Milestone credit card through a XXXX XXXX guarantee advertisement. I was told it was for a higher limit card. When approved, it was only for {$500.00}, which is less than my other cards with Concora & I clearly missed that the card had a {$120.00} annual fee. I went to schedule a payment and noticed the card was over the limit, so I called to make a payment and asked to just cancel and have the fee waived. My request was denied because I used the card. I have not received any benefit from the card. I still proceeded with closing the card and ended up closing all lines of credit with Concora. I am asking for the fee to be waived so I can pay off the account. XXXX : the XXXX were very nonchalant I didnt care to close XXXX accounts over {$120.00} fee for an acct I was willing to close

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-06-01 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: NY

Complaint narrative:
To Whom It May Concern, I am requesting an immediate investigation into a refund discrepancy involving my XXXX XXXX cashapp purchase. Your support team has repeatedly confirmed that a full refund of {$210.00} for XXXX XXXX was processed on XX/XX/year>. However, XXXX has confirmed that they can only see XXXX refund transactions from Cash App : I have sent screenshots proving this. {$54.00} ( pending ) {$54.00} ( pending ) Total visible refund : {$100.00} XXXX has specifically advised me that they do not see any additional pending or posted refund transactions from Cash App beyond those XXXX credits. This creates a serious discrepancy. If a full refund of {$210.00} was processed, then an additional {$100.00} should be visible somewhere within the banking system. I am requesting the following information immediately : XXXX why I only received half of my refund from Cash App after I returned my item to the XXXX store, have a return receipt. And you have confirmed and accepted the return on the Cash App XXXX website and XXXX application. But Ive only received half of my money. I demand my full refund for {$210.00} immediately I have already provided evidence from my bank showing that only {$100.00} is visible. I am no longer requesting a generic explanation regarding processing times. I am requesting proof of where the remaining {$100.00} was sent. Please escalate this matter to the appropriate department and provide a detailed written response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this complaint because a fraudulent account resulting from identity theft is being reported on my credit report. I never opened, authorized, or used this account.The account being reported is : * Creditor : XXXX XXXX XXXX XXXX XXXX * Opened : XX/XX/year> * Reported balance : approximately $ XXXX already submitted an FTC Identity Theft Report and disputed this account, requesting deletion under the Fair Credit Reporting Act ( FCRA ). Despite this, the inaccurate account continues to appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 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:
The contract that was sent to Santander is for a XXXX XXXX. They are calling to collect on a loan for a XXXX XXXX I have explained the error for to them and asked that they provide a copy of the loan. I have told them I am disputing the charges and need to see that I am being billed for the correct vehicle. They have not sent me a copy of the loan but have continued to call me demanding payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
I received a summons from Scott & Associates to collect a debt they no longer own. They sent the summons XX/XX/XXXX with a court date of XX/XX/XXXX. I have since found out they have not owned the debt since spring of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: FL

Complaint narrative:
I am submitting this complaint against CAPITAL MANAGEMENT SERVICES , L.P. for engaging in unlawful, deceptive, and unfair debt collection practices in violation of federal law and Florida consumer protection statutes. CAPITAL MANAGEMENT SERVICES, L.P. claims to be collecting an alleged medical debt in the amount of {$16000.00}, purportedly owed to XXXX XXXX. Upon receipt of their collection activity, I timely exercised my rights under 15 U.S.C. 1692g ( b ) by sending a written Debt Validation Request. Despite this lawful dispute, CAPITAL MANAGEMENT SERVICES , L.P. has failed to provide legally sufficient validation and has continued conduct inconsistent with its statutory obligations. Specifically, CAPITAL MANAGEMENT SERVICES, L.P. has failed to provide : A complete chain of custody from the original creditor to CAPITAL MANAGEMENT SERVICES, L.P. Any contract or agreement bearing my signature proving liability Proof of legal assignment or authority to collect Itemized statements showing how the alleged amount was calculated Evidence of compliance with the FCRA and e-OSCAR verification process Under 15 U.S.C. 1692g ( b ), all collection activity must cease until proper validation is provided. Continuing collection without validation constitutes a direct violation of the FDCPA. In addition, CAPITAL MANAGEMENT SERVICES, L.P. conduct violates multiple Florida statutes, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attempting to collect a debt with knowledge that the debt is not legitimate or not enforceable. XXXX XXXX. XXXX ( XXXX ) Willful communication intended to harass or abuse a consumer. XXXX XXXX. XXXX Failure to provide written notice of assignment before initiating collection activity. Florida Deceptive and Unfair Trade Practices Act ( XXXX ), XXXX XXXX. XXXX Engaging in unfair or deceptive acts in the conduct of trade or commerce. Furthermore, CAPITAL MANAGEMENT SERVICES , L.P. failure to conduct a reasonable investigation and its furnishing or potential furnishing of disputed information violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ). The documentation I submitted confirms CAPITAL MANAGEMENT SERVICES, L.P. is registered as a consumer collection agency in Florida ; however, licensure does not immunize a collector from statutory violations. Continued collection activity without lawful validation exposes CAPITAL MANAGEMENT SERVICES, L.P. to civil liability under both federal and Florida law.

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 2026-06-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally complain and demand immediate action regarding the unauthorized release of funds from my Bank of America account, which has caused me XXXX financial hardship. On or about XX/XX/year> I discovered that Bank of America processed a fraudulent claim of my death, resulting in a check for approximately {$13000.00} ( not exact amount they would not disclose this to me ) being issued and paid to an unauthorized individual. At the time of this incident, I was incarcerated and had no way of authorizing or participating in any transaction regarding my account. I have never designated the payee as a beneficiary, joint account holder, or authorized user on my account. My account was solely in my name. Since learning of this issue, I have made several attemptsin person and over the phoneto resolve this matter with your staff. I have provided proof that I am alive and requested that my funds be returned. To date, this matter remains unresolved, and the loss of these funds has resulted in my current state of homelessness and financial distress. Bank of Americas release of my funds based on a falsified death certificate constitutes gross negligence and a breach of your fiduciary duty. I demand : XXXX. The immediate reimbursement of my full {$13000.00} plus any lost interest.XXXX Compensation for the financial hardship, emotional distress, and related damages caused as a result of Bank of Americas actions, including but not limited to my resulting homelessnessXXXX. A full investigation into your procedures that allowed this fraud to occur, with assurance that steps will be taken to prevent this happening to others. If this issue is not resolved within XXXX days of receipt of this letter, I will consider taking further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and pursuing legal remedies for damages. I really don't want to have to proceed any further legal remedies, I just want what was taken and belongs to me, I shouldn't have to fight to get something that was clearly given fraudulently to somebody else, Especially being without a roof over my head or transportation to get around which {$13000.00} would negate both of those situations that I am experiencing because of their negligence,

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