vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: DISCOVER BANK
State: MA

Complaint narrative:
I am filing a complaint against Discover Financial Services regarding my Discover credit card account ending in XXXX, which I have held in good standing for over XXXX  years. 
While I was out of the country, unauthorized third-party payments were made to my Discover account. These payments later reversed/bounced. Once I became aware of this activity, I promptly contacted Discover and reported the PAYMENTS as fraudulent ( not purchases ). Initially, Discover representatives did not understand that the disputed activity involved fraudulent payments rather than transactions. 
Despite the confusion on Discovers side, I acted in good faith and immediately paid down approximately {$22000.00} on the account. I currently carry a balance of approximately {$9000.00} {$10000.00}. 
Since reporting the fraud, Discover has placed my account in an indefinite and unresolved status that their own representatives described as somewhere between open and closed. I have been given inconsistent and contradictory explanations, including that the account was closed, then not closed, then reopenable, then reopened with a new number, yet still unable to process transactions. 
As a result of Discovers actions, I have been unable to receive approximately {$4000.00} in refunds from XXXX that were legally required to be returned to the original form of payment. XXXX has confirmed that it attempted to refund Discover but was unable to do so due to Discovers account restrictions, forcing XXXX to issue gift cards instead. Discover has not posted any transactions including refunds since XX/XX/XXXX. 
I have called Discover repeatedly over a period exceeding XXXX  days. I was told multiple times that the issue was under review and would be resolved within XXXX  days. That timeframe has now passed with no resolution, no written explanation, and no restoration of my account. 
Discovers failure to resolve fraudulent payments, restore my account to functional status, and accept legally required refunds has caused financial harm and appears to violate the Fair Credit Billing Act, the Truth in Lending Act, and Regulation Z. I am requesting CFPB assistance to compel Discover to restore my account, accept all pending refunds, and confirm that I am not being held liable for fraudulent activity. 
I have documentation, call recordings, and third-party confirmation supporting this complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This complaint is also my official request for debt validation to Kimball Tirey & St. John LLP. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Kimball Tirey & St. John LLP to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Kimball Tirey & St. John LLP.

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 with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting by Self Financial / Lead Bank concerning a secured credit card account. 

According to my XXXX  credit report dated XX/XX/XXXX, the account is reported as Collection / Charge-Off with a past-due balance of {$210.00} and rolling monthly delinquency through XX/XX/XXXX. The six-month payment history is reported as XXXX XXXX XXXX XXXX XXXX XXXX 

This same account is also reported as closed as of XX/XX/XXXX. 

A charge-off is a one-time accounting event. Reporting continued monthly delinquency and a past-due balance years after an account has been charged off and closed constitutes improper re-aging and is misleading under the Fair Credit Reporting Act. 

I disputed this information, and the credit bureau claims the account was verified, yet no explanation or documentation has been provided to support how a closed and charged-off account can continue to accrue and report monthly delinquency. 

This is not a dispute about whether a balance exists. It is a dispute regarding inaccurate, inconsistent, and misleading credit reporting following a reinvestigation. 

I am requesting that the CFPB require Self Financial / Lead Bank to either substantiate this reporting with proper documentation or immediately delete the tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Capio Partners, LLC
State: OK

Complaint narrative:
Spoke to a lady on XXXX  customer service line. She said they had the right the my information when I didn't authorize any hospital to sell my debt or information to a third party. I asked for a debt verification and one was not provided. Time of the call was XX/XX/year> XXXX - XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Alright. The platform Cash App is withholding some funds that I have upon doing some research I believe they are in violation of the EFTA Act. I have emailed and called there customer service and voiced these problems but they havent done anything worth fixing it and Im wondering if you can point me in the right direction if there is legal action to take. I have emails, screenshots that show conversations about the issue, furthermore accessing those funds would benefit me in multiple ways, im not able to access a portion of my assets and it shouldnt be allowed to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX permanently limited my account and froze {$690.00}, citing suspected unauthorized third-party activity. I am the VICTIM of this suspected activity, not the perpetrator. 

TIMELINE OF EVENTS : - XX/XX/XXXX : Received notification that my account was permanently limited - XX/XX/XXXX : Contacted PayPal customer support requesting explanation and manual review - XX/XX/XXXX : PayPal representative ( XXXX ) sent email stating decision is " final '' with no appeal available - XX/XX/XXXX : Filed XXXX  complaint # XXXX requesting manual review and opportunity to submit identity verification documents- XX/XX/XXXX : PayPal responded to XXXX  complaint refusing to conduct manual review WHAT I REQUESTED FROM PAYPAL : 1. Specific explanation of what activity triggered the limitation 2. Manual review of my account by a human agent 3. Opportunity to submit identity documents ( Driver 's License, Utility Bill, Bank Statements ) 4. Appeal process for the permanent limitation PAYPAL 'S RESPONSE : PayPal refused all requests, stating only that the decision is " final '' without providing any specific explanation or opportunity to appeal. 

WHY THIS IS UNFAIR : I am a victim of suspected unauthorized third-party " carding '' activity. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ), PayPal is required to : - Investigate errors within 10 business days - Provide provisional credit if investigation exceeds this timeframe - Bear the burden of proving transactions were authorized - Provide written explanation of investigation findings PayPal has failed to fulfill these obligations. Instead of protecting me as a fraud victim, PayPal has frozen my funds without proper investigation and refused all appeal pathways. 

The XX/XX/XXXX CFPB consent order against XXXX, XXXX ( XXXX XXXX ) established that digital wallet providers must properly investigate unauthorized activity and can not simply freeze accounts without due process.

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 is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Ive gotten this removed over 4 times since XXXX  I believe. Its illegal to re age credit after its been taken off and this happens every year. Affecting my credit score and my ability to get a larger credit limit. This isnt mine. My bills have always been paid and reselling a closed debt is extremely illegal. 
The first couple times they would consistently harass and call me until I finally got it taken off for the second time and then the only reason why I found out that it was back on my credit was checking the credit score. Nobody has contacted me for in a while while.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX 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 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: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I paid {$96.00} on my Citibank credit card account. However, Citibank scheduled the payment for XXXX XXXX, XXXX, to purposely generate a {$30.00} late fee on my account. Therefore, the payment was processed on XXXX XXXX, XXXX  and Citibank did not honor their payment processing grace period.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this message as a formal written complaint and request for escalation regarding an unresolved restriction on my Credit Karma Money account and virtual debit card. 

My account appears to be restricted or placed on hold, preventing me from accessing my virtual debit card and/or transferring funds. When I contacted support via chat, I was informed that for security purposes no information could be provided. No explanation, resolution steps, or timeline were offered. 

While I understand that financial institutions may place temporary restrictions due to security or compliance reviews, I am requesting the following, which I am entitled to as an account holder : 1. Written confirmation of the general category of the restriction ( e.g., identity verification, compliance review, fraud prevention ), without disclosure of sensitive internal triggers.

2. Clear guidance on any actions required from me, if applicable, to resolve the restriction. 
3. A reasonable timeframe for review and resolution.

4. Escalation of this matter to the appropriate XXXX XXXX  compliance or account review team, as Credit Karma Money accounts are issued by XXXX XXXX. 

At this time, I have been left without access to my account or funds and without meaningful communication, which is concerning. I am requesting prompt written clarification and resolution. 

Please confirm receipt of this complaint and provide next steps as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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 was result of identity theft
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
CENTRAL PORTFOLIO CONT is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRAL PORTFOLIO CONT 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 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 — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
ISSUE : Credit card company used incorrect customer data causing travel disruption DETAILS : - Chase XXXX used outdated profile data ( wife 's previous surname ) when booking - Chase 's XXXX ticket policy prevented catching THEIR data error - Spent XXXX hours with Chase reps who couldn't resolve THEIR mistake - Nearly denied boarding on international flight due to Chase 's data error - Chase now claims " you utilized the reservation '' ignoring that we had to fight for XXXX hours to fix THEIR error before we could travel - XXXX points offered - 50 % of booking cost for 100 % Chase-caused problem - Request : Full refund of XXXX points + additional compensation for time/stress

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 was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
IQ DATA XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA XXXX  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 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 was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX 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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
Sequium Asset Solutions , LLC in XXXXXXXX XXXX attached a debt collect of a XXXX Account to me that is not mine. I mailed a letter and have not received any response. The phone number listed on the debt collection item in TransUnion does not answer. The phone number rings XXXX busy signals and hangs up on you. 

I do have a freeze on my credit so I don't understand how this got through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: NY

Complaint narrative:
Since XXXX, I have been receiving a medical bill for my former spouse. I have contacted the hospital several times telling them I am not the guarantor of this account. I have tried to submit documents to them showing them that at the time of his hospitalization we were divorced and I told them I have never had XXXX XXXX insurance. They told me, that he had to come to the hospital with his identification to have my name taken off his bill. I contacted him and he said the bill was paid by his sister. On XX/XX/XXXX, I received a bill from a debt collector telling me I owe {$700.00}. I do not owe this and I have never been responsible for my former husband hospital bills. 

I would be eternally grateful if, someone can help me with this situation. Thank you in advance for your time and assistance.

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 was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
IC SYSTEM INCis falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INCis 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 explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Relay Financial (US), Corp.
State: MI

Complaint narrative:
I am beyond outraged by the response I received today. 

This has been one of the worst banking experiences of my life, and it is unacceptable.

More than a week ago, fraudulent charges appeared on my account. I immediately contacted Relay and was instructed to file disputes directly with XXXX, which I did without delay. XXXX confirmed that the disputes were successfully filed and advised me to coordinate further with Relays fraud team. I followed that guidance and contacted Relays fraud team as directed. However, I was then told by a Relay representative that I needed to go back and follow up with XXXX. As a result, I reached out to both XXXX and Relay to determine who was actually responsible for handling and resolving the dispute, as I was being sent back and forth between the XXXX. 

I then began working directly with XXXX from Relay, who confirmed that the disputes had in fact been properly filed. From that moment on, instead of prioritizing the resolution of clear and documented fraud on my account, Relay shifted focus to aggressively interrogating my business operations, my transactions, and my clientsas if I were the problem rather than the victim. I fully cooperated. I provided invoices, written explanations, and every piece of documentation requested, promptly and in good faith. After all of this, I am now being toldtodaythat my account is being closed and that Relay will withhold the provisional credits issued by XXXX for up to another XXXX  days. That is not fraud protection ; that is outright robbery. Who exactly is supposed to absorb the consequences of this decision? XXXX XXXX or your executive team be paying my bills this month? Will they be buying my babys diapers while you sit on funds that were credited to me because of fraud? After all of that cooperation, I am now being informed without warning that my account is being closed.

If Relay wishes to end the relationship, that is your decision. What I will not accept is Relay holding my money hostage. 

The provisional credits issued by XXXX are for me as the customer. They are not Relays funds to retain, delay, or control. Those credits exist specifically to protect customers during fraud investigations. I have a family to support, a five-month-old daughter to feed. Bills dont pause because your compliance team woke up and decided to cover their own XXXX. Rent doesnt wait. Food doesnt wait. Youre not reviewing anything, youre holding my money hostage and hiding behind policy like cowards.

You are now telling me that after already being without access to my funds due to fraud, I am expected to wait up to XXXX additional days. That is completely unreasonable and indefensible. I attached a email with all communication. Now their locking my other account too. Relay is bunch of fraudsters. No remorse for clients and their livelihood.

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: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I filed a complaint on XX/XX/XXXX. One issue appears to be resolved, but there is still an inquiry from Capital One from XX/XX/XXXX on my credit report. I have never applied for a credit card or a loan with Capital One.

Company response to consumer: Closed with non-monetary relief
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: I.C. System, Inc.
State: MS

Complaint narrative:
I am disputing a collection account being reported by I.C. System, Inc. for an alleged XXXX XXXX XXXX XXXX debt in the amount of {$160.00}. I did not receive prior notice or proper validation of this debt before it was reported to my credit file. The account appears to have been placed into collections without adequate proof that I agreed to or owed this balance. 

I am requesting that the collector provide full validation as required by the Fair Debt Collection Practices Act, including proof of contractual obligation and authority to collect. At this time, the account is being reported without sufficient verification, causing credit harm.

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