vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I have been making all my payments for all my credit cards, but in XXXX my mom got sick with XXXX and she was in the hospital for a while by XX/XX/XXXX I got an XXXX put me out of work for 15 days, pay every bill but one I totally dont have under my calendar I did make a lower payment I never stopped pay or put money in that account well I got more payments in XXXX as soon I got better from my health and I got a notice for delinquency for 30 days non payment for the minimum pay, as soon that happen this ruined my credit score XXXX point lower and put me on a terrible lower score, I have been paying that cc and I never was behind, I was sick and when I tried to explain this to the representative they totally told me they was not able to help after I paid {$530.00} dollars at that moment, I understand situation happens but if you are a good customer why they go right away to report you. I just need this resolved I am a XXXX XXXX and struggling.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello, i hope all is well..... Well, over the years they charge me an sustancial amount of money with their overdraft fees, they will charge thee big amount even if I made it last so all of the other little transactions were charge with the fees.please, help.this was bank of America and XXXX XXXX. Thank you and be Bless.

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 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
Columbia Debt Recovery LLC/DBA Genesis is reporting to ALL 3 credit bureaus that I owe XXXX XXXX XXXX XXXX in XXXX, TX. This is not my debt and the person who the debt is for called and told them that she was the one responsible for the debt. I have No knowledge of this debt. They are reporting a balance of {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
A tax preparer deposit my IRS refund ( tax refund advantage ) into another person account ( sofi bank ) amount of {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK
State: CA

Complaint narrative:
I am filing a formal complaint against East West Bank regarding an unreasonable and prolonged freeze on my account, which has restricted access to a substantial amount of my funds. The bank placed a restriction on my account following a cashiers check deposit. Despite my full cooperation and submission of all requested documentation, the bank has failed to provide a clear explanation for the continued restriction. I was only informed that the review process may take up to 60 days, without any specific justification. This lack of transparency and indefinite delay is unacceptable. The funds involved are significant and are needed for both personal and business purposes. The continued restriction is causing financial hardship and disruption. I would like to emphasize the following concerns : The bank has not provided a clear or specific reason for the account freeze There is no defined timeline or update process I have complied with all requests, yet access to my funds remains blocked The delay appears excessive and unreasonable given the circumstances I respectfully request that CFPB require East West Bank to : 1. Immediately provide a clear and detailed explanation for the account restriction 2. Expedite the review process and release my funds without further delay 3. Provide a firm and reasonable timeline for resolution 4. Ensure compliance with fair banking practices and transparency requirements Given the urgency of this matter, I request prompt investigation and resolution.

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 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My loan was modified, and the documents that I signed agreed to a 40 year mortgage of which I was already very unhappy about. They ended up processing it for a 44 year mortgage and are currently reporting it as a 45 year mortgage to my company. I never agreed to XXXX nor XXXX year modification mortgage. I have attempted to retrieve copies of all the executed documents and no one has bothered to answer my call and theres not a way to send an email rocket mortgage purchase XXXX XXXX mortgage and this is also not been disclosed to me. For a while, it said XXXX XXXX powered by rocket mortgage and as of XXXX I no longer see XXXX XXXX The last time I was able to speak to somebody was more than two months ago and they insisted they were still XXXX XXXX yet rocket mortgage was involved. For the last month and a half. Ive attempted to receive copies and confirm what is going on and I can not reach anyone in this company. Ive already experienced a very poor experience and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Contacted because I suspected someone had my account info and would drain my account by wiring money out. Called and was told they would lock my account, was told to create a new account, call back and they would unlock the old account and close them. I created a new account called back to transfer. They were able to canel and transfer but I cant access or use my money or use my virtual card and I spent over 3 hours on the phone being transferred and waiting wasting valuable time and nobody seems to know how to unlock my account. I have no. O he and bills. I just want to be able to access my money. I tried transferring as a test between checking and savings on new accounts and it just says theres an Issue and to call but when I call nobody can figure it out. Also the new assigned virtue card doesnt work. Im just locked out and I need my money.

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 2026-03-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV FUNDINGXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Unlawful Collection Activity To Whom It May Concern, I am formally requesting that you cease and desist all communication and collection activity regarding the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which requires that you stop contacting me except to confirm that collection efforts have ended or to notify me of specific legal action. Additionally, as a resident of Texas, I am protected under the Texas Debt Collection Act ( Texas Finance Code 392 ). If your company is not properly licensed or bonded with the Texas Office of Consumer Credit Commissioner ( OCCC ), any attempt to collect a debt in this state is unlawful under Texas Finance Code 392.101. Accordingly, I demand the following : Immediate cessation of all communication, including phone calls, letters, emails, texts, or thirdparty contact. Immediate halt of all collection activity, including attempts to validate, negotiate, or enforce the alleged debt. Removal of any credit reporting you have furnished to any consumer reporting agency related to this alleged debt, if applicable. Written confirmation within 15 days that you have complied with these demands. Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and the Texas Office of Consumer Credit Commissioner, as well as consideration of civil action for statutory damages, attorneys fees, and any other remedies available under federal and state law. This letter serves as my final notice. Govern yourselves accordingly. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Creditor / Entity Account # ( Partial ) Reason / Basis for Dispute RequestedAction BULLCITYFINANCIALSOL ( XXXX ) XXXX UnlawfulcommunicationunderFDCPA1692c Deletefromreport XXXX ( XXXX ) XXXX Unauthorizedcontact/inaccuratebalance Removeentirely XXXX ( OriginXXXX ) XXXX Unverifiedcollection/unauthorizedcommunication Delete XXXX XXXXXXXX ( OriginXXXX ) XXXX Illegallycontactedconsumerunder1692c Delete XXXX ( XXXX ) XXXX FDCPAviolation/inaccuratereport Delete XXXX ( XXXX ) XXXX Inaccuratereporting/communicationviolation Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverifiedcollection/unauthorizedcommunication Delete XXXX XXXX Improperrepossessionstatus Verifyorremove XXXX XXXX Unverifiedchargeoff Remove XXXX XXXX Notmine/inaccuratereport Delete XXXX XXXX XXXX XXXX Rentalclaimnotmine ; noleaseagreement Remove XXXX XXXX XXXX XXXX Rentalclaimnotmine ; noleaseagreement Remove Clarification from XXXX Statement XXXX XXXX report contains the statement : Threeaccountswerechargedoffandshowpastdueamounts.TwoaccountsarenotmineneverhadXXXX These and any similar accounts must be included in the reinvestigation and deleted if they can not be verified with proper documentation. HardInquiriestoVerify Creditor / Company Date of Inquiry CreditBureau ( s ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 5 weeks ago, I submitted to American Express case number XXXX in order to resolve claim XXXX in accordance to the warranty policy. I have followed up every week on via telephone for an update but American Express has been refusing to provide any updates and/or make any progress on the case. Every time I call they claim that someone is going to call me about, but no one calls me. They did confirm that they have all the information they need but they refuse to make any progress. The company stated that " the documented delivery information does not align with the loss details that were reported, we are unable to validate that a covered loss occurred ''. However, they do match. Per the claim submission, the item was lost at the same location as the claim states which is XXXX XXXX XXXX XXXX XXXX XXXX. I have provided the business a copy of the lease agreement to prove the home of residence, yet the business is unclear as to what else they need. The shipping address is has nothing to do with me loosing the item as my residence. Additionally here are the response to the business ' letter : " You filed XXXX XXXX claim # XXXX on XX/XX/year>. '' Correct. This matches all the documents submitted towards the claim. You claimed the item was lost in your home located in XXXXXXXX XXXX XXXX Correct. I attached my lease agreement for your review and convenience. We confirmed that the item was shipped and delivered to an address in XXXXXXXX XXXX. Correct. I was visiting my family there and needed the item shipped there. " There is no record of any weekly calls made into our office regarding this claim. '' False. My phone has calls logs and there are notes created by the phone agents of each time that I called. I can provide this information upon request. The lease agreement does not prove you were in possession of the item, and the item was lost in your home located in XXXX XXXX XXXX False. I was living at the location of loss and attached to this message is the lease agreement. I attached it for your review and convenience. . We have not requested any additional information from you. Correct. If you not need anything else, then what is the delay with processing the claim?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: AL

Complaint narrative:
LOCKHART, MORRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research LOCKHART, MORRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your reporting of an alleged debt on my credit report. I dispute the validity of this debt and request validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide the following : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including an itemization of all fees, interest, and charges. 3. Copies of any documentation bearing my signature showing that I agreed to this debt. 4. Proof that your company is legally authorized to collect this debt. 5. Documentation showing that you have the legal right to report this account to credit reporting agencies. Additionally, the information being reported appears to be inaccurate and/or incomplete. Until this debt is properly validated, you must cease all collection activity and reporting in accordance with federal law. If you are unable to provide proper validation, you must delete this account from all credit reporting agencies and provide written confirmation of such deletion. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
In XX/XX/year>, Robinhood Securities placed a restriction on my investing account that prevented me from withdrawing my money. Over the next 45 days I reached out to them multiple times for information as to why my account was restricted. They told me the restriction was placed on my account by the State I currently reside in. So I contacted the State of California and they said they had nothing to do with it. I contacted Robinhood back and told them this information, and they directed me to contact the IRS. I contacted the IRS and they also said they had nothing to do with it. Around XX/XX/XXXX, Robinhood contacted me bus email saying they had closed my account and would no longer support me as a customer. THEY CLOSED MY ACCOUNT BUT ARE STILL HOLDING MY MONEY. I continued to try and get answers from Robinhood and filed complaints with the CFPB, SEC and FINRA. Around XX/XX/XXXX, Robinhood contacted me and said the restrictions were placed on my account by the Sheriffs Department XXXX XXXX XXXX, South Carolina. I have never even been to South Carolina, let alone lived there. That same day I contacted Detective XXXX XXXX of the XXXX XXXX Sheriffs Department. XXXX XXXX informed me that the restrictions were placed on my account because I received stolen bitcoin into my account. I DID NOT STEAL BITCOIN. I was the unlucky recipient of previously stolen bitcoin. I gave XXXX XXXX additional information about several bitcoin transactions. On Monday XX/XX/XXXX, XXXX XXXX emailed me and said he contacte d Robinhood and requested they remove the restriction on my account. I contacted Robinhood via email, because they give me no other option, and they keep sending me a response saying they closed my account and their decision is final. I dont want my account reopened I just want them to return my money to my linked bank account on file. Robinhood is now holding my funds illegally and needs to return them to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: CO

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/year>, I used my XXXX card for a purchase of {$15.00}. I'd previously linked my bank account to my XXXX account. The charges were processed, and my autopay bank account was linked to XXXX, so I assumed that my payment would go through on time. Unfortunately this was not what happened. As soon as I was aware, I paid the balance on the card manually, but at that time the payment was already 30+ days late and had already been reported as such. I contacted the XXXX team regarding this issue on XX/XX/year>. They responded on XX/XX/year> and told me to contact Wells Fargo, who were repeatedly unhelpful, and ultimately required me to fax them with a credit reporting dispute. I faxed them the dispute on XX/XX/year>. They eventually responded telling me that the credit reporting was correct, and that I would have to contact the XXXX team. I followed up with the XXXX team multiple times since then but they haven't responded.

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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
I am writing in response to your communication regarding an alleged debt. I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. The amount of the alleged debt, including any interest, fees, or charges 2. The name and address of the original creditor 3. Copies of any documents bearing my signature that show I agreed to this debt 4. A complete payment history, including how the amount you claim is calculated 5. Proof that your agency is licensed to collect debts in my state ( if required ) Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you are unable to provide the requested documentation, please confirm in writing that this account has been closed and that no further collection efforts will be made. Additionally, if this debt has been reported to any credit reporting agencies, I request that it be marked as disputed. Please note that this letter is not a refusal to pay, but a request for verification of the alleged debt. I expect your response within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation