vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 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: NJ

Complaint narrative:
b'I am submitting this complaint to the Consumer Financial Protection Bureau regarding Midland Credit Managements repeated failure to validate multiple alleged debts that they are reporting on my credit report.\nDespite multiple written and certified requests for debt validation, Midland Credit Management has not provided any documentation to verify these debts. They have continued to report these accounts to consumer reporting agencies, resulting in inaccurate and unverifiable information on my credit report.\nAttached are copies of all correspondence sent to Midland Credit Management, including XXXX  Certified Mail tracking numbers:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI respectfully request that the CFPB investigate this matter and require Midland Credit Management to fully comply with federal consumer protection laws, remove all unverifiable accounts, and cease all collection activity until proper verification is provided.\nI am attaching a latter explaining with details'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am writing to dispute the alleged debt associated with XXXX XXXX account # XXXX. I am unaware of this debt and did not receive the opportunity to dispute it prior to any collection actions. 
If XXXX XXXX claims they properly notified me, I request proof of notification via Certified Mail with my signature. If they can not provide this proof, I request that this account be deleted from my credit report immediately. 
Please note that if this account is not corrected or removed, I am prepared to pursue legal action to protect my rights. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: FL

Complaint narrative:
THIS IS ANOTHER COLLECTION ACCOUNT THAT I NOW THAT THI SIS NOT MINE EITHER I DON NOT UNDERSTAND HOW THESE COLLECTION COMPANIES ARE ALLOWED TO REPORT TRADE LINES WHICH DNT EVEN BELONG TO ME. PLEASE HELP ME. I NOW MY RIGHTS AS A CONSUMER AND I KNOW THAT MY RIGHTS ARE BEING XXXX VIOLATED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On or about XX/XX/year>, I deposited {$6000.00} in cash into a Chase ATM. The machine returned {$200.00} and credited only {$4900.00} to my checking account, leaving {$900.00} unaccounted for. 

I promptly reported the issue to Chase and filed an ATM deposit error claim. Chase issued a provisional credit, then later reversed it, stating that its internal system could not locate the missing funds. 

I requested documentation and an explanation of the investigation, including how the ATM was balanced and the basis for denying the claim. Chase stated that it is not required to provide any information and refused to share documentation. 

A police incident report was filed to document the missing funds. I dispute the adequacy of Chases investigation and request reconsideration and a written explanation as required under Regulation E. Police report number XXXX XXXX Police station.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello CFPB Team, I am submitting this complaint because my credit reports contain inconsistent and incomplete information related to a XXXX XXXX account, and it does not appear accurate to me. I am formally requesting an investigation and deletion of any information that can not be verified as accurate and complete. 

Why this is urgent : I am currently trying to purchase a home, and this tradeline is negatively impacting my ability to obtain mortgage approval. It is also hindering me from clearing an employment background check. 

Account to investigate : 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 non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
I have maintained a Cash App account in good standing and have been on Green status for several years. Previously, my account included access to Cash App Borrow and {$50.00} in free overdraft coverage. 

Recently, my overdraft coverage was reduced from {$50.00} to {$10.00} and my Borrow access became unavailable. These changes occurred without prior notice or any explanation, and my account standing did not change. 

I contacted Cash App support to request a review of my account and an explanation for why these features were reduced or removed. I specifically requested clarification of the criteria used to make these changes and whether my prior access could be restored. Cash App responded only that eligibility and limits are system-determined and did not provide a specific reason tied to my account activity. 

This lack of notice and transparency has affected my ability to manage routine transactions and budgeting decisions that relied on the previously available overdraft and Borrow features. 

I am requesting a clear explanation of the reasons for these changes, confirmation of whether notice is provided before such reductions, and reconsideration of my prior {$50.00} overdraft coverage and Borrow eligibility, or written justification if restoration is not possible. 


I also inquired about the borrow option I had access to it on a old account But its been long and this new account has maintained green status and in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have opened a US Bank XXXX savings account which advertises XXXX  % APY for my zip code XXXX on their website. But on my account I am only getting XXXX  %. When asked for explanation on missing interest, I am not getting any answers. 

Requests to file a formal complain is denied saying that there is no way to provide a written complain and only it can be verbally communicated to the agents on phone. I have done than XXXX  times over phone and in person but the APY is not being fixed.

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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am submitting this formal complaint regarding Affirms denial of my dispute concerning a transaction on my account that was unauthorized by a minor in my household. Affirm claimed my dispute was invalid because usage patterns observed in both disputed and previous loans where the IP address, device used, and purchasing pattern were identical, and that my personal information matched their records. The charges occurred on the XXXX and XXXX and they were discovered on the XXXX promptly attempted to be resolved by the merchant immediately and as the call log shows affirmed was then notified. 

This denial is factually and legally inaccurate for the following reasons : 1. Unauthorized use by a minor : The transaction in question was made by a minor without my consent. The fact that it occurred on a familiar device or IP address does not prove authorization.

2. Prompt reporting : Affirms denial suggests I failed to report the transaction in a timely manner. This is false. I contacted Affirm prior to the loan being processed and before it was disputable. Their claim regarding delayed notification is therefore misleading and inaccurate.

3. Lack of merchant evidence : Affirms response relies solely on circumstantial evidence ( IP, device, purchasing pattern ). They provided no evidence from the merchant proving I personally authorized the transaction.

4. Policy-based denial, not evidence-based : Affirms denial language focuses on security policies and autopay procedures. These are irrelevant to determining actual authorization and should not outweigh documented evidence of unauthorized use. 

Thank you for your help in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
Rmp sent an initial validation letter when I requested it in writing. That validation letter showed multiple accounts, including : Several balances that net to {$76.00} At least XXXX separate ~ {$400.00} balance that does not reconcile the same way. I then sent another formal, certified letter via XXXX  disputing the ~ {$400.00} balance specifically. I did not dispute the {$76.00} portion. I questioned the legitimacy, accounting, and accuracy of the ~ {$400.00} amount. RMP did not respond to my dispute of the {$400.00} balance, provide itemization, proof, or clarification for that amount and instead the account was placed with XXXX XXXX XXXX who is now attempting to collect without that dispute ever being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
I am submitting this complaint to formally dispute the actions of a collection agency regarding an alleged debt and to report violations of my consumer rights under Regulation F of the Fair Debt Collection Practices Act. 

The collection agency provided a collection notice that fails to comply with 12 CFR 1006.34 ( b ) ( 5 ), which requires debt collectors to provide a clear and accurate itemization of the amount of the debt, including interest, fees, payments, and credits since the itemization date. The information provided was incomplete, inaccurate, and misleading, preventing me from understanding how the alleged balance was calculated.

Additionally, the collection agency violated 12 CFR 1006.34 ( c ) ( 4 ) ( l ) by furnishing validation information that is false, misleading, and deceptive. The representations made regarding the nature, amount, and legal status of the alleged debt are inaccurate and materially misleading.

By providing misleading validation information and attempting to collect on an improperly disclosed and inaccurately represented debt, the collection agency is engaging in false, misleading misrepresentation and deceptive means, in violation of the Fair Debt Collection Practices Act and Regulation F.

These actions interfere with my ability to exercise my consumer rights and undermine the protections afforded to consumers under federal law. I am requesting that the CFPB investigate this matter and require the collection agency to correct these violations, cease unlawful collection activity, and ensure full compliance with applicable consumer protection laws. 

I certify that the information provided in this complaint is accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VI

Complaint narrative:
Company : Citibank ( Citi Cards ) Issue : Failure to Refund Credit Balance / Unauthorized Duplicate Debit Amount Disputed : {$4000.00} Description of Incident : On XX/XX/year>, I made a payment of {$4000.00} to satisfy the full balance of my Citi credit card. Citibank processed this transaction twice, debiting a total of {$8000.00} from my checking account. This resulted in an unauthorized overpayment/credit balance of {$4000.00}. 

Citibank kept the over payement. I alerted Citibank to this discrepancy immediately after checking my bank account and making contact with my bank. I made a formal request for the return of my {$4000.00}. It has now been three weeks, and Citibank has failed to return my funds, violating the 7-day refund requirement for credit balances.

Evidence of Poor Faith : I have contacted Citibank multiple times and have been given conflicting information by different agents.

One agent claimed a check was mailed but refused to provide a tracking number or proof of mailing.

Subsequent agents have provided different stories, causing a " runaround '' that has delayed the recovery of my funds.

Impact : I am currently in the process of purchasing a home. Citibanks illegal retention of my {$4000.00} is severely hampering my ability to close on my property and is causing significant financial and emotional distress. I am a service-connected veteran, and this financial instability is exacerbated by the bank 's 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 monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MI

Complaint narrative:
After messaging discover on the morning of XX/XX/year> regarding account disclosure and reporting issues, I was directed to call their general XXXX number. 

XXXX XXXX Phone number called : ( XXXX ) XXXX Department : Customer Service What we were discussing : Account disclosure and reporting issues. 

The exact sentence they got hung up on : " Im seeking a review of the student-to-standard conversion, consideration of interest adjustment related to that transition, and correction or goodwill removal of adverse credit reporting that resulted from post-conversion interest escalation. '' Warned before disconnecting : No

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Since XX/XX/year>, Barclays has been reporting and displaying an incorrect and inflated balance on my credit card account and charging interest and fees based on that incorrect balance. 

At the beginning of XXXX, my real outstanding balance was approximately {$310.00}. I made a legitimate payment of {$310.00} to reduce that balance. After that, Barclays began posting bank-initiated, system-generated transactions that I did not authorize. 

My legitimate payment was later reflected again in the system as a returned payment, creating the appearance of multiple reversed transactions. In addition, Barclays posted a separate returned payment amount of {$590.00}, even though I never made a {$590.00} payment. There is no active autopay on my account, and the amounts being posted do not correspond to any payments or purchases I made. 

After these system-generated entries appeared, my balance continued increasing month after month, despite minimal card usage. By the XXXX statement, Barclays was reporting a balance of approximately {$930.00}, which had grown from about {$310.00} without corresponding spending activity. 

From XXXX through XXXX, I contacted Barclays more than five times via chat and phone and requested a formal investigation, correction of my balance, an itemized breakdown of these transactions, and removal of improper fees and interest. Only one complaint received a case number ( XXXX ). No written resolution was provided, and the balance has not been corrected for over three months. 

Barclays has also been calling me daily, remaining silent on the line, and then disconnecting. 

As a result, improper interest and fees have been charged, and my credit score has been negatively affected.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account # XXXX Capital one 360 checking account Routing # XXXX I am filing this complaint against Capital One regarding improper funds availability practices, inconsistent disclosures, and account closures without prior notice. 

On XX/XX/XXXX, I deposited a check in the amount of {$6600.00} into my Capital One 360 checking account. At the time of deposit, Capital One issued a printed receipt confirming that {$1000.00} would be available on XX/XX/XXXX and the remaining {$5600.00} on XX/XX/XXXX. 

After accepting the deposit and providing written confirmation of these availability dates, Capital One later sent an email unilaterally extending the hold and stating that the funds would not be available until XX/XX/XXXX. No valid exception notice, regulatory justification, or documentation was provided to support this reversal. 

This account is newly opened ; however, I am not a new Capital One customer. I have maintained a continuous relationship with Capital One since XXXX. During this time, I have never had bounced checks, returned deposits, or unresolved overdrafts, and I have always paid balances owed in full. Capital One is disregarding my established customer history and treating me as a high-risk new customer without justification. 

Additionally, Capital One recently closed my primary account without providing any prior notice. When a negative balance existed, I promptly paid it in full, and the account was closed immediately thereafter. I was not provided advance notice, a warning, or an opportunity to cure before closure.

Capital Ones actions demonstrate inconsistent application of funds-availability policies, failure to honor written disclosures, and failure to provide proper notice regarding account actions. These actions caused financial harm, restricted access to my own funds, and materially interfered with my ability to meet financial obligations.

I believe Capital One has failed to comply with federal funds-availability requirements under Regulation CC, failed to provide required notices, and engaged in unfair and inconsistent account practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My PayPal account was permanently limited over four years ago due to unspecified risk concerns. PayPal placed a hold on my remaining balance of USD XXXX. 

According to PayPals User Agreement, funds are typically held for up to 180 days to cover potential disputes. That holding period passed several years ago.

Despite multiple attempts to resolve this through PayPal support, my funds have not been released, no forfeiture policy has been cited, and no resolution has been provided.

I am requesting the immediate release of my remaining balance or a written explanation citing the specific policy under which these funds are being withheld. 

My paypal email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: KY

Complaint narrative:
I made my payment manually on or before the due date through Acimas system. Despite the payment being successfully submitted, Acima still attempted an automated withdrawal afterward, which caused my card to decline and resulted in a {$25.00} NSF fee.

I contacted Acima and spoke with five representatives over approximately 1.5 hours. Each representative stated that this is just how Acima works, refused to remove the NSF fees, and refused to disable auto-pay.

I did not authorize duplicate payment attempts for the same obligation. Charging NSF fees due to Acimas internal payment scheduling system is an unfair billing practice.

I am requesting : Refund of all NSF fees charged after payments were already made Immediate removal of auto-pay Written confirmation that manual payments satisfy the obligation and prevent additional withdrawal attempts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/year>, I was charged {$570.00} by XXXX XXXX XXXX XXXX for an alignment and control arm replacement on my vehicle. I paid for the service, and the merchant completed the work, but the alignment was not fixed. 

I submitted a dispute to my bank, US Bank, including the invoice and alignment charts showing measurements before and after the service. 

The bank denied my dispute, citing insufficient evidence. Despite paying for the service, the work did not resolve the alignment issue. I am requesting a full refund so I can have my car properly repaired.

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