vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/2025 I got paid from my job and request a freeze on my account to prevent fraud from happening as earlier in the day my home was broken into and personal items were stolen from me. I was told on the phone when the dispute was first filed that a total of XXXX was taken from my account but later when I got a phone to log in I see only XXXX was disputed. On XX/XX/XXXX I I lost my card and instantly felt like some one was going to get into my account and I emailed to change my information on my bank then on XX/XX/XXXX the break in occurred and I called before I got paid trying to remove the number off the account the bank couldn't help as I couldn't take a picture of my id because my phone and id was stolen I requested a freeze on my account the agent said she couldn't help as I couldn't take a picture of id I informed her it was stolen she said well I better ask to use someone phone other wise she can't help then asked me is there anything else she can help with like a robot like I wasn't even a real person going through XXXX  XXXX. They did nothing I warned before the storm and I called back using the office of my apartment people phone around the time I would get paid informing them I just got paid requesting they lock the account freeze it do not allow any changes to be made and again no help no protocol followed which resulted in my funds be taken I couldn't pay rent I've been filed against I couldn't properly take care of my son I had no diapers no wipes no help his father XXXX XXXX XXXX broke in the house broke the entire house and stole my phone and money successfully without any consequences and I am in a foreign city by myself with no family and XXXX in lingering because I can not take care of my son in this moment because they would not credit me the money they allowed OPENLY to be stolen I called every day after the XXXX XXXX crying pleading them to freeze the account to stop the transactions and they did nothing until it was nothing.then they said oops our bad try harder next time u didn't prevent this hard enough it's not our fault u let the perp rob u. As if it was my choice to get XXXX XXXX by someone I loved and robbed and left to starve and die helplessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On or about XX/XX/year>, I deposited a check for approximately {$20000.00} issued by XXXX XXXX  next day mail into my XXXX savings account. The funds posted to my account, and XXXX representatives confirmed to me that the check is not fraudulent. 

Despite this, XXXX placed a hold on the funds and demanded a notarized letter from XXXX XXXX  in order to release them. XXXX XXXX  has confirmed that : The check is valid There is no stop-payment or recall They do not issue notarized release letters I informed XXXX of this. 
XXXX has since started the process of force closing my account, yet is still refusing to release or return my funds unless I provide the notarized letter that the issuer does not provide. 

I was advised by XXXX that it may take XXXX  days to return my funds following account closure. No specific release date has been provided. 

Why this is a problem XXXX has acknowledged the check is not fraudulent The account is being closed The bank is requiring documentation that the issuing institution does not provide My funds are being withheld without a definite release date I have maintained this account in good standing for approximately XXXX  years I believe this constitutes unreasonable delay and wrongful retention of consumer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
I got charged in my Robinhood Gold Card : XX/XX/year> XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USD XXXX XXXX XXXX XXXX XXXX I didn't make any purchase of that amount anywhere no authorization provided nothing. I immediately reported to the credit card company and asked to reverse the transaction. But the company isn't helping me in that and telling that this is a transaction I did and be aligned with the scammers. I asked them what proof which they shared nothing. Any scam happened, XXXX always take side of the scammers. Please help me remove this huge transaction from my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: FL

Complaint narrative:
My PayPal account, registered in the United States, was permanently deactivated after a review citing unspecified risk concerns. There were no chargebacks, disputes, or fraud allegations associated with the account.

The account was used to receive small international payments related to legitimate business activity. Upon receiving notice of the permanent limitation, I contacted PayPal to request clarification regarding the specific compliance or risk issues involved and to inquire whether a compliance review or fund release review could be performed.

PayPal responded that the decision was final, could not be appealed, and declined to provide any specific explanation regarding the risk concerns. I am not disputing PayPals decision to discontinue services.

My concern is that funds remaining in the account have been placed on hold for up to XXXX  days without clear justification beyond generic risk language, despite the absence of chargebacks or known liabilities. 

I respectfully request regulatory assistance to ensure transparency regarding the basis for the fund hold and to ensure the timely release of my remaining funds in accordance with PayPals User Agreement and applicable U.S. regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: CO

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Credit Report Dispute Illegal Re-Aging / Obsolete Account XXXX  Report Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and obsolete information being reported on my XXXX  credit file under the Fair Credit Reporting Act ( FCRA ). 
The following collection account is being illegally re-aged and must be deleted : Creditor/Debt Buyer Name : Portfolio Recovery Assoc Account Number XXXX XXXX XXXXXXXX Creditor/Debt Buyer Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Creditor/Debt Buyer Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Creditor/Debt Buyer Name : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX This account exceeds the maximum reporting period allowed under FCRA 605 ( a ) and 605 ( c ). The Date of First Delinquency for this account occurred more than seven ( 7 ) years ago, and it is therefore obsolete and no longer reportable. 
The current reporting reflects a more recent date, which constitutes unlawful re-aging. Re-aging an account to extend its presence on a consumer credit report is a violation of federal law. 

Pursuant to my rights under the FCRA, I am requesting the immediate deletion of this account from my credit file. Please conduct a reasonable investigation and provide written confirmation of deletion once completed. 

If you are unable to verify the original Date of First Delinquency with accurate records from the original creditor, this account must be removed. 

Please note that this letter is not an acknowledgment of any debt. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I am disputing a {$300.00} collection being reported by XXXX XXXX XXXX with original creditor XXXX. This debt is not owed. XXXX added a child/driver to the policy who was not mine and was added without my authorization. After the error, XXXX refunded only part of the money and the account was not properly corrected/closed on their end. I stopped doing business with XXXX  due to the billing error, and I never agreed that I owed the remaining {$300.00} balance. 

This collection is now being reported on my credit report as {$300.00} past due/collection. I am requesting that the collector and XXXX validate the debt with documentation showing I authorized the added driver, that the charges are accurate, and that the balance is legitimately owed. If they can not provide full validation and proof of authorization, they must delete the collection tradeline and stop reporting it. 

Credit report details : Collection account XXXX XXXX XXXX, original creditor XXXX, balance {$300.00}, date opened XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: AR

Complaint narrative:
I disputed an apartment collection account for {$1500.00} reported by Qualia Collection Services. I moved out of the apartment in XX/XX/XXXX, and the account appeared on my credit report in XXXX. I sent a written debt validation request. XXXX responded by providing a lease, resident ledger, and move-out charges but failed to provide proof of legal authority to collect, such as an assignment, contract, or bill of sale from the original creditor. Despite failing to fully validate the debt, the account continues to be reported to XXXX XXXX XXXX XXXX. I am requesting deletion of this account and cessation of collection activity unless proper legal authorization is provided. I will attach my letter I sent to them and what they sent to me below.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A comprehensive assessment of this entry is requested in light of its late-night preparation.

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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
My husband XXXX XXXX owes on a credit card I called them to set up payment with them for him they gave me his information and about his debt on they were sueing him how much he owed and Im not co signer or on his account at all the lady i talk to went off on me told me I need to make a payment or she was going to take it to XXXX wants my information witch I have nothing to due with his account she wants how much I make who I bank threw so now Im worried that there going to try to garnish my wages when I have nothing to due with his accounts I ask the to send us information on the account to make sure it was what he owed witch Im still waiting on them to send it they told me they turn it in to the clerks office I went in to pay to pay on it the clerks told me they never got the paperwork from and couldnt take a payment till they sent it so I contacted them back and told them if they wanted me to pay it they need to send the paperwork work they said sentence I was unable to make the payment they were charging me XXXX for not payment and started screaming at me on the phone telling me u need to make the payment now with your bank account number I feel like I was treated unfairly when it wasnt even my account and asking me for my information when I have nothing to due with the amount tell me we can not pay at the clerks office we had to pay them when I signed a agreement at the cort house to make the payment threw the clerks office

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: FL

Complaint narrative:
On XX/XX/XXXX, I disputed a {$350.00} charge for services not rendered as described. 

I submitted a detailed written explanation with time-stamped photos, third-party evidence ( XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX ) XXXX and XXXX communication history showing material misrepresentation and deviation from agreed service terms. 

On XX/XX/XXXX, I uploaded a complete PDF document containing all evidence requested by Capital One. 

The dispute was closed approximately XXXX hour later, stating that the merchant provided a valid response, without any indication that my submitted documentation was meaningfully reviewed. 

The decision relied solely on the merchants claim that the service was approved during the visit, despite extensive evidence showing the service was technically defective, unwearable, and required full removal by another professional. 

Capital One did not request clarification, did not address contradictions in the merchants documentation, and did not acknowledge third-party evidence submitted. 

I believe Capital One failed to conduct a reasonable investigation as required under the Fair Credit Billing Act and Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This all started when they got mad that I asked for the XXXX they owe me that they never refunded me so I wrote a bad review and since then they have been messing with my account which i have proof. XXXX XXXX also messed up my account. I am supposed to be at a tier where I get discounts but they wiped it and started at XXXX as if I hadn't made any purchases prior to XXXX of 2025 but I had and I was supposed to be receiving discounts because I spent so much money with them but because they owe XXXX that they will not pay me, they have messed up my account and I have recordings to prove that

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 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
First of all when I went to cancel it when it didn't automatically fall off at 22 % Regions inform my daughter-n-law and me that it wasn't pmi but insurance in case of my demise it would paid the mortgage off. Then not only that the market value of property was double the amount of loan and at signing the cash from me was XXXX on a loan of XXXX after the XXXX was subtracted from it and I believe that over 20 % down and I believe my credit was well above average XXXX to XXXX at that time of signing and even better but I have now paid pmi for over 11 years and It's. Say in my contract I'm protected by the homeowners protection act of 1998. And I have got response from Regions Morgage and The PMI company that I wasn't own a refund Regions Say I'm not because my premium was paid Monthy and not annually and pmi said I wasn't because it was under the XXXX of 1998. I Think they just trying to get XXXX over on me.

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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding, LLC, {$840.00} This one is now being talked to with XXXX XXXX XXXXXXXX XXXX who never informed me about disputing anything. 

XXXX  XXXX This one I don't even know what it is or who they are. {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: AL

Complaint narrative:
I am requesting enforcement of my cease and desist rights under 15 U.S.C. 1692c.

The debt collector continued contact after receiving my written cease and desist notice

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had called Citi bank to close my XXXX XXXX card. I was told the card is closed, but it was not. 2 days later, I called to check since I could still see the card on my account as opened. They confirmed it was not closed and tried again. Told me to call back since their system was down and was not processing closing the card and they notified me I will get my annual fee back in full. After that, I had called XXXX more times, when finally I was advised on the XXXX time that I should consider downgrading so I can get my fee back. We continued and downgraded. When I received the annual fee refund, it was {$65.00} compared to the {$100.00} XXXX paid in annual fee and I was told I can not receive the remaining. I do have audio recordings of all communication and also texts confirming closing. I was within the grace period for closing the account for a full refund of the annual fee but Citi representatives decided to defraud me for some money. I have been promised XXXX points for the inconvenience that I have not received either.

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 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no knowledge of or involvement with these accounts and did not consent to their creation. Im requesting a review and removal once this is verified. Documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the alleged debt referenced in your records.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the debt collector must stop contacting the consumer except to confirm cessation of communications or to notify of specific legal action.

You are hereby directed to stop all forms of communication with me, including but not limited to phone calls, voicemails, emails, text messages, and postal mail. Any further contact from your company that does not comply with the FDCPA will be documented and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the California Attorney Generals Office, and any other appropriate regulatory agencies.

This request does not constitute an acknowledgment or acceptance of any debt, nor does it waive any rights or defenses available to me under federal or state law. 
Please confirm in writing that you have received this notice and that all communications have ceased, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year> I filed a complaint with cfpb on cash app banking platform after months of calling almost daily to recoup funds from a stolen account. 
Each time I call I give them a reference number that I was given and a transaction number that I was told would be for my claim, each time their support staff says they don't know what those numbers mean. 
So I have repeated myself countless times. 
The day after I filed my complaint with cfpb cashapp decided to close my account without reason, and today XX/XX/year> they said that they made the decision final. 
But they decided that my stolen account will stay open, allowing the person who stole it to continue using it. Which confuses me. They've stated repeatedly that the account is mine. But they refuse to give me access to the account or my funds. They refuse to even acknowledge that I have been asking for my money. They ignore me, they hang up on me. 
I want my XXXXXXXX XXXX  from my stolen account. 
I want to be compensated for the nearly XXXX hours I've spent trying to get these funds returned to me. 
And want an apology and for them to retrain their staff

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am requesting enforcement of my cease and desist rights under 15 U.S.C. 1692c.

The debt collector continued contact after receiving my written cease and desist notice

Company response to consumer: Closed with explanation