vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed accounts that I believe are the result of identity theft. These accounts do not relate to any transaction made by me and I did not authorize them. I previously contacted the credit bureau regarding this issue, but the accounts are still being reported on my credit report. I am submitting my Identity Theft Report along with proof of my identity and address. FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Credit Dispute Statement I am disputing the accuracy and validity of the collection account reported by Ability Recovery Service related to the alleged original creditor listed as XXXX XXXX. This account was placed in collections on XX/XX/XXXX in the amount of {$8900.00}. I do not recognize or recall entering into an agreement that resulted in this balance being owed to the reporting company. Additionally, the account details appear incomplete and inconsistent. The report reflects {$0.00} for the original balance, {$0.00} for last payment, and no last payment date, which raises concerns about the accuracy and completeness of the information being reported. On XX/XX/XXXX, I previously initiated a request to correct inaccuracies related to this account. However, the account continues to be reported despite the lack of clear verification and documentation supporting the alleged debt. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the credit reporting agencies and the reporting company provide full verification of this debt, including : Documentation showing I agreed to the debt The original signed agreement or contract A complete payment history Proof that Ability Recovery Service has the legal authority to collect this debt Documentation verifying the amount of {$8900.00} If the company can not provide sufficient documentation verifying the accuracy and ownership of this debt, I request that the account be removed from my credit report immediately. Until proper verification is provided, this account should not continue to negatively impact my credit profile.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
Caine & Weiner {$240.00} XX/XX/year> Remarks- Placed for collection Account information disputed by consumer Account information disputed by consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
Unauthorized Electronic Fund Transfer Investigation Account Holder : XXXX XXXX Incident Date : XX/XX/year> Exhibit A Incident Summary On XX/XX/year> at approximately XXXX XXXX while traveling in XXXX XXXXXXXX XXXX my mobile phone was stolen. Shortly afterward, unauthorized individuals accessed my financial accounts and initiated multiple electronic transfers without my authorization. These transactions included transfers through Chime, XXXX XXXX payments to unknown individuals, and ATM withdrawals. The activity occurred rapidly between approximately XXXX XXXX and XXXXXXXX XXXX The total unauthorized activity is approximately {$9000.00}. A police report documenting the theft was filed later the same day after returning home to XXXX Exhibit B Unauthorized Credential Change At XXXXXXXX XXXX on XX/XX/XXXX, I received an automated notification stating that the ATM PIN for my Chime Credit Builder card had been updated. This change was not authorized by me. This event occurred shortly after my phone was stolen and immediately preceded the fraudulent transfers. Supporting document : PIN change notification email Exhibit C Unauthorized Transfers At XXXXXXXX XXXX, a transfer of {$3800.00} was sent to XXXX XXXX labeled Auto repair. This individual is unknown to me and the transaction was not authorized. Additional transfers include : {$2700.00} sent to XXXX {$1500.00} attempted to XXXX XXXX multiple transfers to Cash App totaling approximately {$2500.00} Supporting documents : transaction screenshots payment confirmation emails Exhibit D ATM Withdrawals Between XXXX XXXX and XXXXXXXX XXXX unauthorized ATM withdrawals occurred : {$200.00} {$120.00} These withdrawals were not made by me. Exhibit XXXX Account Takeover Indicators The following indicators support that my account was accessed by an unauthorized party : phone stolen prior to transactions ATM PIN changed without authorization multiple rapid transfers within minutes payments sent to unknown recipients ATM withdrawals attempted new device login detected This pattern is consistent with account takeover fraud. Exhibit F Police Report Police report filed documenting the theft of my phone and the subsequent financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
My CD has a due date of XX/XX/year>. I contacted the company and requested that they deposit the interest from the account into my checking account. I told them that I would decide whether or not to renew the CD once they gave me the terms for the renewal. They said that they couldn't do that because there was " suspicious activity '' on my account. The only suspicious activity is that I want to withdraw the money.We have communicated back and forth since. I keep telling them to give me my money but they are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
For well over XXXX days, Citibank has blocked my account and denied me access to both the account and the funds in it. During this time, I was told that no money would be able to go in or out of the account. Unfortunately, I learned about this late on a Wednesday during a pay week. I immediately notified my employer to stop my direct deposit, but it was too late to prevent the deposit from being sent. I was informed that because the account was blocked and no transactions could occur, the deposit would be rejected and my employer would reissue the payment as a check. However, Citibank allowed the deposit to go through and is now holding the entire amount. This situation is extremely frustrating and unfair. I have been given no clear information or explanation and have only been told that this is a bank-to-bank matter, even though I am the account holder at both institutions involved. I would appreciate if the provide me access to my funds asap. Thank you.

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 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson Capital System bought this debt from XXXX XXXX XX/XX/year>. This debt was sold to Jefferson Capital Systems violating my rights and violating the arbitration agreement between XXXX XXXX and myself. My personal information was release to this company without my permission. I have requested Jefferson Capital System to provide me with complete documentation showing the complete chain of assignment from the original creditors XXXX XXXX not just the balance and not just the transfer but every sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: TX

Complaint narrative:
On XX/XX/year> XXXX $ was stolen from my account. I submitted a dispute and it was denied. Then I submitted an appeal and sent screenshots and it was still denied the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Sent dispute letters to remove collection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I submitted requested proof of ID to Capital One on XX/XX/25 and my application shows as declined because they could not verify my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. 1 ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC v. Cavalry Portfolio Associates ( 2009 ). 2 ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the NMLS. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Credit Report Dispute XXXX XXXX Account To Whom It May Concern, I am writing to formally dispute the following account listed on my credit report. Creditor : XXXX XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXX This account is currently being reported as Sold ; was Charged-off. I am requesting that you investigate this account because the information being reported appears to be inaccurate and/or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am requesting verification of the following : Proof that this account belongs to me. A copy of the original signed agreement or contract. Documentation showing the account was legally transferred or sold to another party. Complete payment history and charge-off details. If you can not verify this information with proper documentation, I request that this account be removed from my credit report immediately. Please provide me with the results of your investigation within the timeframe required by the FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
We paid our Account in full for the amount of {$4200.00} prior to the XXXX due date on the month of XXXX and they are still billing us for Interest charges on XXXX XXXX and XXXX cash advance balance in XXXX is this right? We have sent them an email for inquiry about this bill and they claimed it will take 90 days to resolve it they send us a resolution claiming the bill is correct now theyre billing us additional late fees for this interest charges billing on our XXXX account balance what gives? Please info on the left

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
A number of 6 or more transactions was made to a fraudulent chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
I dont even know them {$1.00} dollars.and there collecting me.i didn't even use that credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OR

Complaint narrative:
Hello, I am submitting a complaint regarding Cash App ( Block, Inc. ), which is refusing to release funds in my account despite confirming that the money is still present. Details : Full Name : XXXX XXXX Cash App $ XXXX : $ XXXX Linked Phone Number : Linked Email ( inaccessible ) : [ Old XXXX ] XXXX XXXX $ XXXX and all other accounts Account Status : Identity previously verified by Cash App Issue : I can not access my old XXXX account linked to Cash App, and therefore can not log in. Despite this, Cash App support has refused to release my verified funds to a new email, phone number, or bank account. I have all required identification and can provide any additional verification requested. I am requesting the Division of Financial Regulation to investigate and assist in ensuring Cash App releases my funds to me, as they are legally mine and can not be withheld. It's been XXXX years and I keep being told yes and then denied. Also have contacted XXXX and consumer protection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My husband and I opened this American Express account to use for our every day purchases and pay it off. This was supposed to be a joint account, maybe not a joint in American Express eyes, but a joint so me and husband could see all charges made and manage how much we could spend each month. This is the first credit card we have opened together and this has been a NIGHTMARE. Ive spent almost XXXX hours the last few days trying to get full account XXXX access so I can login and see everything. But we need an RSVP code and everytime we call someone tells us something different. XXXX needs to call, or it needs to be sent through email, or its your ssn, no its your XXXX. Nothing works for this XXXX code. We havent received an email nothing. XXXX so mad I cant even describe, this is not treating both customers fairly or equal. Why cant the wife see everything?? I want XXXX login, I have another Amex card that Ive had since XXXX, I just want to be able to see the charges/ balances on both cards with XXXX login. No other bank does this!! At least not any other joint. I dont understand, listen to all the call recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Roughly XXXX weeks ago I was approved for a Home Depot Credit card with a XXXX dollar limit and I still haven't received the card. I called Citibank to see what's going on they said there was no application for my social security number but there has been a inquiry on my credit by them.

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 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. 1 ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC v. Cavalry Portfolio Associates ( 2009 ). 2 ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the NMLS. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than XXXX years old, or bankruptcies that are more than XXXX XXXX XXXX. Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. Based upon the extensive timeline in which this account has been closed, I respectfully request its deletion permanently from my credit report. I consider this a professional request as the continuance of this tradeline is cluttered on an already excessive amount of personal information. PLEASE DELETE THIS TRADELINE AS A PROFESIONAL COURTESY PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
I am not sure what this debt is for. I am also sure that this company did not pay some {$2000.00} for this debt since it is a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. 1 ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC v. Cavalry Portfolio Associates ( 2009 ). 2 ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the NMLS. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than XXXX years old, or bankruptcies that are more than XXXX XXXX XXXX. Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. Based upon the extensive timeline in which this account has been closed, I respectfully request its deletion permanently from my credit report. I consider this a professional request as the continuance of this tradeline is cluttered on an already excessive amount of personal information. PLEASE DELETE THIS TRADELINE AS A PROFESIONAL COURTESY PERMANENTLY!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of an account being reported on my credit report. I have not received documentation validating the balance, payment history, or proof that the reporting entity has the legal right to report this debt. Under the Fair Credit Reporting Act, I am requesting verification of this account. If the account can not be properly validated, I request that it be removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation