vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am filing this complaint against Barclays Bank Delaware regarding misleading marketing practices and unfair negative impact on my credit score. Within a short period, I received two separate 'Pre-approved ' mail offers from Barclays for a credit card. Relying on these official invitations and my solid credit score of XXXX, I applied both times. However, Barclays denied both applications, despite their own proactive outreach. Each application resulted in a 'Hard Inquiry ' on my credit report, which has now caused unnecessary damage to my credit score. I feel targeted by misleading advertising that encourages applications with a low probability of approval, solely to meet the bank 's marketing quotas. The 'Adverse Action ' notices I received provided only generic, automated reasons that do not align with my actual credit standing. I reques t that Barclays : - Conduct a manual review of my most recent application. - Contact the cr edit bureaus ( XXXX XXXX to remove the Hard Inquiries associated with these denied applications, as they were triggered by misleading 'Pre-approved ' offers. - Cease sending me pre-approved offers if my profile does not meet their actual underwriting criteria.

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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX regarding a promotional offer that was not honored despite my full compliance. On XX/XX/year>, I received a promotional email from XXXX offering {$20.00} in cryptocurrency if I placed a trade of {$100.00} or more by XX/XX/year> at XXXX XXXX ET. Relying on this offer, I executed a qualifying trade within the stated timeframe and met all the requirements outlined in the promotion. After completing the trade, I contacted XXXX to confirm the credit. I clearly stated that I had relied on the promotion and fulfilled the requirements in good faith. XXXX initially acknowledged my inquiry and indicated it would be reviewed. However, I later received a response stating that the promotion had been sent in error and that it would not be honored, claiming it was intended only for certain newly onboarded customers. At no point in the original promotional email sent directly to me was this limitation disclosed. The offer was presented without qualification, and I acted based on its stated terms. XXXX refusal to honor the promotion after inducing me to take a financial action constitutes misleading and unfair business conduct. Supporting documentation includes : The original promotional email sent to me My written confirmation that I completed the qualifying trade XXXX acknowledgment and subsequent refusal to honor the promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
XXXXXXXX reopen my complaint. The SERVICER place a near XXXX XXXX dollar force-placed insurance on my home. Besides the FACT that they had already placed themselves as mortgagee on my home policy, it was and is illegal to obtain FPI in far excess of the alleged amount they claim is owed. Further, WHO is the mortgage company. XXXXXXXX XXXX XXXXXXXX claims they do NOT have the alleged mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/2026 Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, IA XXXX Subject : Formal Complaint Against Spring Oaks Capital Account # XXXX To Whom It May Concern, I am submitting this formal complaint against Spring Oaks Capital regarding an alleged debt they claim I owe in the amount of {$770.00}, associated with account number XXXX. I have reason to believe that this account is inaccurate, incomplete, or otherwise not properly validated in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). I requested proper validation of this debt, yet Spring Oaks Capital has failed to provide sufficient documentation to substantiate the following : Proof that I have a contractual obligation with their company A complete and accurate payment history Verification that they have the legal right to collect on this alleged debt Documentation showing the original creditor and how the balance of {$770.00} was calculated Despite this lack of validation, the account may still be reported on my credit report, which is a violation of federal law. Reporting unverified or inaccurate information is harmful to my financial standing and creditworthiness. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require Spring Oaks Capital to : 1. Provide proper validation of this alleged debt, or 2. Immediately cease collection efforts and remove this account from all credit reporting agencies Additionally, if they can not provide full compliance with federal regulations, I request that this account be permanently deleted from my credit file. Please keep me informed of the results of your investigation. I expect a timely resolution to this matter. Thank you for your attention to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Capital One Account # XXXX To Whom It May Concern, I am filing this formal complaint against Capital One regarding inaccurate and unverified information being reported on my consumer credit report. The account in question is as follows : Creditor : Capital One Account Number : XXXX Reported Balance : {$150.00} I have previously disputed this account with the credit reporting agencies ; however, Capital One has failed to conduct a reasonable investigation or provide adequate documentation to verify the accuracy of this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be complete and accurate. Additionally, furnishers of information are required to properly investigate disputes and provide verification upon request. Capital One has : Failed to provide documentation supporting the validity of this alleged debt Failed to provide a signed agreement or contract linking me to this account Continued to report this account despite lack of proper verification Potentially violated federal consumer protection laws by furnishing inaccurate or incomplete information Due to these violations, I respectfully request that the CFPB initiate an investigation into Capital Ones reporting practices and require them to : 1. Provide proper validation of this account, including original documentation and account history 2. Correct any inaccurate information immediately 3. Remove the account from all credit reporting agencies if it can not be properly verified This matter is negatively affecting my credit profile and financial standing, and I am seeking a prompt resolution. Please keep me informed regarding the progress and outcome of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have requested credit limit increase on the XXXX card a few times since the account was opened. It has always been declined with a reason that there was fraud investigation and it is on going. I was traveling to XXXX last year and since this card has no foreign transaction fee, I decided to use it in XXXX. I had already added my travel plan that clearly indicated dates and the country I would be using this card in well before the travel time. When I used this card in XXXX, XXXX, it was declined and blocked due to fraudulent activity.l called Bread Financial fraud department the same day, after I got back to the hotel and verified all information I was asked fore. I was told that card has been unblocked. I tried to use the card again in a day or so, and it was declined again. I called the fraud department and verified all of the information I was asked for. I was told card will be fine to use. I did not use it again outside the US. This incident is what is mentioned in response to any credit limit increase request. I have spoken with customer service and fraud department to resolve the issue. They do not know why I am getting this response. From looking outside in, it appears that there is a security flag set on my account that needs to be removed. This flag is preventing the automated system to process my credit limit increase request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I am a named account holder on two Capital One accounts : ( 1 ) a personal credit card account ( ending XXXX ), held jointly with my former spouse ; and ( 2 ) a business credit card account issued to XXXX XXXX XXXX XXXX, a business I co- operated with my former spouse. For approximately one year, I have made repeated phone requests to Capital One to update my contact information and restore online and phone account access on both accounts. Capital One has refused each time, citing phone verification issues, and has never escalated or resolved the problem on either account. I am legally XXXX with a progressive XXXX condition and require written and digital access to my account records. I currently need access to both accounts for two urgent federal obligations : ( 1 ) I am required by 11 U.S.C. 521 to disclose all account balances and statements in a pending pro XXXX XXXX XXXX bankruptcy filing in the U.S. Bankruptcy Court, District of XXXX XXXX ; and ( 2 ) I am required to file 2025 federal tax returns for both myself and XXXX XXXX XXXX XXXX, and can not prepare accurate returns without account statements. Capital One 's ongoing refusal to provide any access, statements, or balance information on either account is actively impeding both a federal court obligation and federal tax compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: The J. G. Wentworth Company
State: IL

Complaint narrative:
I am filing this complaint against JG Wentworth XXXX XXXX XXXX for unauthorized actions taken on my behalf that resulted in direct harm to my credit. On or around XX/XX/year>, I had an initial phone inquiry with JG Wentworth to explore debt settlement options. That same evening I received a " Welcome to JG Wentworth '' enrollment confirmation email. Within less than 24 hours, on XX/XX/year>, I emailed their support team at XXXX requesting cancellation. In my message I stated that I had mentioned to the representative on the phone that I could easily cancel, and I asked them to please just cancel it. JG Wentworth did not process my cancellation request. Instead, on XX/XX/year>, five days later, they responded with a retention email attempting to persuade me to stay enrolled rather than honoring my cancellation. On that same date, XX/XX/year>, XXXX revoked my credit card account after receiving Power of Attorney documentation submitted by JG Wentworth on my behalf. I never authorized JG Wentworth to contact my creditors, and I had already submitted a written cancellation request five days prior. My XXXX account ending in XXXX was subsequently closed and negatively reported to all major credit bureaus, damaging my credit. JG Wentworth had no valid authorization to contact XXXX on XX/XX/year> because I had already revoked any authorization in writing on XX/XX/year>. Their failure to process my timely cancellation and their continued action on my account caused direct and documented financial harm. I am requesting that the CFPB investigate JG Wentworth for violation of the FTC Telemarketing Sales Rule, specifically their failure to honor a timely cancellation request and their unauthorized contact with my creditors after that cancellation was submitted. I have documentation including the enrollment email dated XX/XX/year>, my cancellation email dated XX/XX/year>, their retention response dated XX/XX/year>, and XXXX 's written confirmation that my account was revoked on XX/XX/year> due to JG Wentworth 's POA submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
EXPERIAN WHAT HAPPENED : Experian is reporting false, fraudulent, and unverifiable information on my consumer credit file. I have a fraudulent collection account from XXXX XXXX XXXX ( XXXX ) that was opened without my knowledge or authorization. I also have unauthorized hard inquiries from XXXX XXXX ( XX/XX/XXXXXXXX ) and XXXX XXXX ( XX/XX/XXXXXXXX ) that I never authorized. Experian is also reporting unverified addresses that do not match my identity documents. I submitted a formal written dispute via certified mail on XX/XX/XXXXXXXX with my FTC Identity Theft Report # XXXX, Colorado State ID, utility bill, and Social Security card attached. Experian has failed to meet their reinvestigation obligations under FCRA 1681i. These inaccuracies are causing direct financial harm and denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CL Holdings LLC
State: MI

Complaint narrative:
I previously sent a letter informing XXXX XXXX XXXX of this issue and requesting an investigation. In my prior letter, I informed them that I am a victim of fraud, and I am requesting that you conduct a thorough investigation into this matter. Please provide me with all documentation related to the account, including but not limited to the original application, method of application, any identification used, billing address history, and transaction records. This company has never reached out XXXX XXXX XXXX, nor have they even sent a letter, and it was sold to a third-party collection Jefferson Capital Systems LLC , which is now showing on credit report as a negative item, the resolution I want the collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Validation and Removal of Collection Account To Whom It May Concern, I am writing to formally dispute a collection account listed on my credit report. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting validation of the following account : Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$460.00} I do not recall entering into an agreement with this creditor, and I request that you provide complete verification of this debt, including : * The original creditors name and address * A copy of the original signed agreement * Full payment history * Proof that you are authorized to collect on this debt If you are unable to provide this documentation, I request that this account be removed from my credit report immediately. Please note that reporting unverified information is a violation of the FCRA. I expect a response within 30 days of receipt of this letter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: GA

Complaint narrative:
Subject : Request for Validation and Removal of Collection Account To Whom It May Concern, I am writing to formally dispute a collection account listed on my credit report. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting validation of the following account : Collection Agency Name : XXXX XXXX Account Number : XXXX Amount : {$460.00} I do not recall entering into an agreement with this creditor, and I request that you provide complete verification of this debt, including : * The original creditors name and address * A copy of the original signed agreement * Full payment history * Proof that you are authorized to collect on this debt If you are unable to provide this documentation, I request that this account be removed from my credit report immediately. Please note that reporting unverified information is a violation of the FCRA. I expect a response within 30 days of receipt of this letter. Sincerely, 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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I filed multiple disputes with Cash App regarding unauthorized or incorrect transactions totaling {$100.00}, {$800.00}, {$490.00}, {$250.00}, {$200.00}, {$200.00}, and {$500.00}. My {$800.00} claim was denied, and I submitted an appeal. Cash App told me I would receive an update by XX/XX/XXXX, but I have not received any information. I requested details about the investigation, including why my claims were denied, what evidence was considered, and a refund for the disputed amounts. Cash App has not provided any of this information or resolved my disputes. I am requesting a full review and a prompt resolution I was told I have to wait 45 days for the investigation to be complete and recieve my refunds back Cash App has denied my {$800.00} claim, failed to respond to my disputes for multiple transactions totaling {$2400.00}, and has not provided requested investigation details or refunds. I have also been told I must wait up to 45 days for resolution, which is an unreasonable delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
on XX/XX/year>XXXX at XXXX I went to Santander XXXX in XXXX pa I deposited XXXX dollars into the ATM which was never credited to my account so I waited to XXXX XXXX when the bank opened told my situation to XXXX she said she couldn't do anything about it because they didn't own the ATM she said call the number on that I did and let them know my situation. I also called number on back of my ATM card the person said theyll look into it. they did and said we can't help u any longer because they did a count from the ATM company which said there weren't any overages for the day ... impossible because I deposited my money on camera I then called back to get another option they told me to get a police report if I wanted them to review camera I did at the one they were saying that ATM was having problems they admitted that .. also they said the camera couldn't really see how much I put it but it showed me putting money in therefore to say it had no overages couldn't be true no matter what... but this situation is making life harder I had to borrow money from family that I have no real way of returning I live check to check and XXXX dollars hurt also I have a load thru Santander and they want payment every month regardless which is fine if I had the money which they have taken thru a faulty ATM and a lack of effort to get the truth and resolve my issue they just sent me a letter saying my XXXX for my loan is going up cuz I was late on payment twice since that situation with my cash deposit but was never late for like 3 years prior this is stressing me out and im pursuing legal action against Santander 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 explanation