vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 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: IN

Complaint narrative:
on XX/XX/XXXX I sent money to my grandson through CASH APP {$20.00} XXXX accidentally sent to the wrong person. I dispute it ASAP through cash app. and received a respond through Text message that the person call ( justsendmesomemoney ) they refuse to return the money,. I spoke with cash app today XX/XX/XXXX and they inform me that I can't get my money back. but that have on there app a dispute and they can't do nothing about it. 
I did go forward and call my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Albert Corporation
State: FL

Complaint narrative:
I am filing a complaint against Albert Bank regarding a pending preauthorization hold on XX/XX/XXXX that is preventing me from accessing my own funds. 

A restaurant transaction did not successfully complete, yet Albert continues to hold the authorized amount instead of releasing it. Because of this, I can not use my money to pay for the meal or cover other immediate expenses. 

Customer support informed me that : They can not manually release the hold. They require a decline receipt that I can not obtain because the transaction never completed. I must wait until XX/XX/XXXX at approximately XXXX XXXX EST for the authorization to expire. No exception or hardship process is available. 

This situation is causing immediate financial hardship by restricting access to my funds even though no completed transaction occurred.

Requested resolution : Immediate release of the pending authorization hold. Written clarification of policies regarding failed transactions and held funds. Review of procedures to prevent consumers from losing access to funds when a charge does not complete.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX DOB : XX/XX/1974 XXXX XXXX I am disputing inaccurate and unlawful reporting by Credit Collection Services related to an alleged debt that has not been properly validated. 

The collection account reported by Credit Collection Services is inaccurate and has been furnished without compliance with federal law. 

Violations include : 1. No Proper Validation Provided No documentation proving the debt, original creditor, or ownership has been provided as required under FDCPA 1692g and 12 CFR 1006.34.

2. Inconsistent Credit Reporting Different dates of last activity and reporting appear across bureaus. XXXX and XXXX show conflicting account histories.

3. Failure to Allow Proper Dispute Rights Reporting continued without giving a reasonable opportunity to dispute, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

4. False and Misleading Reporting Reporting a balance without verification constitutes deceptive practices under FDCPA 1692e.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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:
I, XXXX XXXX, am submitting this formal complaint and affidavit to report identity theft and fraudulent activity associated with my personal information. I recently discovered accounts and/or inquiries on my consumer credit reports that I did not open, authorize, benefit from, or consent to in any way. These accounts are the result of identity theft. I have never provided permission, written or otherwise, for any individual or entity to use my personal identifying information to obtain credit, services, or financial benefit. Upon discovery, I immediately took the following actions : Reviewed all three credit bureau reports Reported the identity theft to the Federal Trade Commission Filed disputes with the credit reporting agencies Began documenting all fraudulent activity The presence of these fraudulent accounts is causing financial harm, emotional distress, and reputational damage. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA 605B ), I am requesting the immediate blocking and removal of all information resulting from identity theft. These items are inaccurate, unauthorized, and unverifiable as they do not belong to me. I affirm under penalty of perjury that the information provided in this report is true and correct to the best of my knowledge.

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 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX and its agent, Source Receivables Management ( SRM ), for persistent harassment and deceptive communication regarding a debt I do not owe. For several months, I have been targeted by automated text messages from SRM for XXXX Account # XXXX, addressed to a " XXXX. '' I am not XXXX, and I have never had an XXXX account. 

On XX/XX/year>, XXXX XXXX XXXX XXXX team provided XXXX contradictory statements in writing within a XXXX window : XXXX XXXX : Representative XXXX XXXX admitted XXXX was contacting the " wrong number '' and confirmed my number was placed on a " do not call '' list. 

XXXXXXXX XXXX : After I requested damages for the harassment, the same representative reversed his statement, claiming XXXX has " no indication '' my number exists in their system and telling me to deal with SRM directly. 

This " denial of record '' after a written " admission of fault '' is a deceptive tactic used to evade liability under the XXXX and FDCPA. XXXX is responsible for the accuracy of the data it provides its collectors. I demand that XXXX and SRM immediately cease all communication, confirm the debt has been recalled, and provide a formal written apology for the bad-faith handling of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
URGENT Escalation of Complaint # XXXX Violation of XXXX XXXX XXXX I am a New York resident and XXXX XXXX XXXX XXXXXXXX. This is a formal escalation of Case # XXXX. XXXX Collections & Outsourcing ( FCO ) is currently in open violation of N.Y. Gen. Bus. Law 604-bb and 15 U.S.C. 1681c-2. Legal Sufficiency Met : On XX/XX/year>, I served FCO a formal Notice of Coerced Debt via Certified Mail ( # XXXX ). This included an FTC Identity Theft Report ( # XXXX ) and a Sworn Affidavit. Under N.Y. GBL 604-bb ( 1 ) ( a ), an FTC Identity Theft Report is " Adequate Documentation. '' No further proof is legally required. The Violation : Per N.Y. GBL 604-bb ( 3 ) ( a ), FCO had 10 business days to notify all credit bureaus of this dispute. They have failed to do so. Instead, they issued an illegal stall letter demanding rental leases and utility bills from XXXX. Illegal Demands : FCOs demand for housing records from the period of my abuse is not supported by statute and serves only to compromise my safety and delay my legal right to a debt block. Under N.Y. GBL 604-bb, a creditor can not demand additional residency proof once an FTC report is provided. Harassment : FCO continues to harass me and has targeted my minor child with predatory requests during recorded interactions.

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 2026-02-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: SC

Complaint narrative:
I followed the directions given on the paper to activate the card. On XX/XX/year>XXXX  I tried buying books for my daughter and I and the card would not go through! When I went to the app I XXXX the funds were available I went to the help side and clicked activate card I put the XXXX in 3 times and kept getting the error code until I was told I was locked out I called the company multiple times now Im being charged every time I called but have not been able to speak to an actual representative I am now waiting in queue for 46 minutes with no help and I NEED MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. 

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. 

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
PayPal is fraudulently holding my refund of XXXX. I had a dispute for my money back from a merchant and PayPal fraudulently changed the reason for my dispute and violated my consumer protection policy with them. They then got mad because my bank XXXX  made them give my money back. Eventually the merchant also refunded the money per their policy. PayPal in retaliation closed my account for mo reason. Then on a completely separate matter took my refund from another merchant of XXXX and put it into an account that was already closed and are holding it even that money should be returned back to my original credit card payment sources and my bank. They give fraudulent reasons why that dont apply. They already verified my information. The account is XXXX XXXX XXXX With no issues. I dont owe them anything. There are no pending charges no pending disputes nor fees. They are abusing their position and they are causing me undue stress and interest on my credit cards that they stole the due refund from. They have treated me as a customer in a very callous and fraudulent manner. My money is currently sitting on a closed account with no reason whatsoever for them to do it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Currently, I am on location filming in XXXX. I bank with US Bank XXXX XXXX, Washington, and they were notified of my travels before my departure. 
In XX/XX/XXXX, my 6-month-old account at the time was threatened with being closed by the Fraud division because I attempted to send a wire transfer to a person in California as part of my contribution for a gift for this person. There was no fraud. I knew the person in question and even went so far as to explain that it was my agent 's brother, but the bank said it would send an investigator to my home address to speak with me, as it was clear I was being catfished. I explained to them that I am in no way being " catfished '' and while I am XXXX XXXX XXXX, I am of sound mind, and the only reason why you are even questioning a small sum ( {$200.00} ) wire is that I am XXXX American. The person the gift was going tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from being hit by a car. My XXXX cast mate is with the same bank ( same agent ), sent her contribution for the gift, and she had no problems with the bank, and she didn't even know the person. This type of behaviour has been constant with me and my relationship with the bank for no reason. I cite US Bank vs XXXX XXXX XXXX, whereby " Banking While XXXX '' was a common theme with US Bank. 
There was absolutely no reason to try to find out where my home was, or deny me sending a friend a gift or questioning my intention and telling me that I was lying. 
XX/XX/XXXXXXXX  As I write this, my account once again is subject to " fraud '', and when asked to provide the details, I was given a list of activities- all of which were mine - XXXX, XXXX and XXXX XXXX XXXX XXXX, but this was still fraud? I was then told that they were going to stop my debit card, which they did, and they issued me a digital card, which does not work as the card has not been activated, and it says that it is " invalid ''. Now I am without a means to pay a bill because of the hatred and XXXX  behaviours of a bank. I need help before contacting a lawyer.

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 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-17 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: GA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am filing a complaint against Hunter Warfield debt collection agency for an illegal third-party disclosure. 

On XX/XX/year> at XXXX XXXX the collector contacted my current roommate, who was not on the original lease the alleged debt is being asked for, and is not responsible for this alleged debt. During the call, the collector : Disclosed that I owe a debt Told him the exact amount ( {$230.00} ) Asked him to pay the debt Asked for my current address This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from discussing debts with third parties or attempting to collect from someone not legally responsible. 

I am requesting : Immediate cessation of any third-party contact Written validation of the debt Investigation of the collectors illegal practices I have documented the call details and can provide them if needed. I have screenshots of the call, confirmation from the debt collector Hunter Warfield they contacted my roommate and written explanation from my roommate on what was asked/told to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
RE : DEBT VALIDATION & METHOD OF VERIFICATION REQUEST Bridgecrest Account : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal request for debt validation and verification pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). 

You are currently reporting a repossession account with an alleged balance of {$17000.00}. I dispute this balance and request the following documentation : 1. Proof of repossession 2. Date the vehicle was repossessed 3. Proof of sale or auction of the vehicle 4. Sale price of the vehicle 5. Itemized calculation explaining how the alleged deficiency balance was determined 6. Proof that Bridgecrest has the legal right to collect and report this debt 7. The method of verification used to report this account to the credit bureaus Until this information is provided, this debt remains disputed. If you are unable to produce the requested documentation, you must cease reporting this account and request its removal from all credit bureaus. 

Failure to comply may constitute violations of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Subject : Request for Assistance in Resolving Delayed Fund Release and Account Restriction I am writing to request urgent assistance regarding the delayed release of funds from my closed account with Capital One, as well as the ongoing restriction on my account. This situation has been causing significant emotional and financial stress, and I need immediate resolution. 
On XX/XX/XXXX, I transferred {$84.00} from my Capital One account to my XXXX XXXX account. Capital One has since stated that the transaction was reversed, but XXXX XXXX has no record of this reversal. After multiple attempts to clarify the situation with different Capital One agents, I have received conflicting answers, which has only added to my frustration. Eventually, I expressed my frustration during the calls, which I understand may have contributed to the account being closed. 
Capital One informed me that the account would be closed on XX/XX/XXXX, and that the funds would be sent within XXXX business days. However, as of today, XX/XX/XXXX, my account is still showing as restricted instead of closed, and the funds have not been released. The delay in resolving this matter is placing an undue burden on me, as I have bills due, my apartment lease is ending, and I am in the process of securing a new place to live. 
I am requesting the following : Immediate release of all remaining funds in my account, either through expedited mailing or direct deposit.

A clear, written explanation from Capital One regarding why the funds are being held and why my account is still showing as restricted. 
Confirmation of the exact date the check was issued and tracking information, if available. 
Given that my account has been closed and the funds are rightfully mine, the delay is unreasonable and is causing significant emotional and financial hardship. I respectfully request that the CFPB intervene to ensure that Capital One resolves this matter promptly. 
Please find attached any relevant documentation for your reference. If you require additional information, feel free to contact me. 
Thank you for your attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation