vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Dear LVNV Funding LLC Re : Account # [ insert account number XXXX I'm writing to request that you remove my account from my credit report with the major credit bureaus ( XXXX, XXXX, XXXX  ). I'm disputing the debt due to insufficient validation and potential inaccuracies. 

Under the Fair Credit Reporting Act ( FCRA ), collection agencies must verify debts and ensure accuracy. If you can't validate the debt, you're required to remove it from my report. 

Please : XXXX. Validate the debt with proof ( original contract, payment history ) XXXX. Remove the account from my credit report if unverified XXXX. Cease all collection activities Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
I pay XXXX  {$140.00} per month. This service went from {$14.00} in XXXX, to now {$22.00} per XXXX users costing me {$140.00} per month. I attempted to cancel this terrible service on XX/XX/XXXX. They want to charge me {$890.00} to cancel this service. Why would I pay to cancel a service that I pay for monthly? If I do not pay the email service on that month I will not have access to my emails. So why am I paying in advance? This is draconian and needs to be alleviated. XXXX is not the mafia or overlords to charge these excessive fees. We are a small business that will take our business elsewhere.

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: TX

Complaint narrative:
Was banking with US Bank. Had funds removed from my account without my consent. When the company that supposedly removed the funds of over {$200.00} was contacted. They stated they never received funds. US Bank was contacted again and I requested twice that they return the funds to my account. They had me wait XXXX  days each time. The funds were never returned. My life was disrupted completely! At the end I was told it was outside the time period and basically to bad I would not be getting my money back. Now I've learned that I'm not the only XXXX and there is a lawsuit! I still have my paperwork!

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, my Crypto.com account was victims of an international account takeover. My account activity logs ( attached ) show successful unauthorized logins from XXXX ( XXXX XXXX ) at XXXX XXXX and XXXX ( XXXX XXXX ) at XXXXXXXX XXXX. The intruder XXXX my XXXX and made XXXX unauthorized gift card purchases totaling {$4100.00}. 
I notified Crypto.com support at XXXX XXXX while the theft was in progress. Their own security logs show that XXXX XXXX ( XXXX ) was manually XXXX at XXXXXXXX XXXX  to lock out the intruder. 
Despite this clear evidence of a security breach and my full compliance with their XXXX XXXX XXXX XXXX XXXX XXXX, Crypto.com has repeatedly sent me generic denials. They falsely claim " no credentials were changed, '' which is directly contradicted by the " XXXX XXXX '' log entry in their own app. I have filed Police Report # XXXX and FBI XXXX report XXXX. I am seeking a full reimbursement as promised under their security guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
" I am disputing a {$1100.00} balance with Credit Acceptance Corp. My vehicle was a total loss in XX/XX/year>. I was current at the time of loss. Due to a XXXX delay caused by a lack of communication between XXXX and Credit Acceptance-including a documented XXXX period where Credit Acceptance failed to open notification emails-my account accrued significant interest. Credit Acceptance is now attempting to collect 'gap ' amounts that only exist because of their own administrative negligence and XXXX XXXX failure to report the correct {$4100.00} valuation. I request this account be settled to {$0.00} immediately.

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/year>, a debt collection report was opened showing I owed money to XXXX at XXXX XXXX. This debt is false I have paid all rent in full and on time. In XXXX, I contacted XXXX at XXXX XXXX, informed them the debt was incorrect, and provided documentation proving I paid all rent owed. Despite this, the debt collection report has not been corrected, and the debt collector continued collection activity based on the false information. 

This false reporting has caused severe mental and emotional stress, particularly after I was diagnosed with a XXXX XXXX XXXX ( XXXX  ) in XX/XX/year>, a condition the property was aware of. The continued reporting of a false debt has worsened my health condition and caused undue harm. 

I request that CFPB investigate this matter as incorrect debt reporting and violation of consumer financial protection standards. I want the false reporting corrected, confirmation that the debt is retracted, and compensation or consideration for the harm caused by the inaccurate reporting. I am attaching proof of rent payments and correspondence with XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime- account was compromised Disputed unauthorized transactions of over XXXX Dispute was approved, did not receive funds Account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/year>, Capital One blocked my credit card without prior notice or explanation. 

On the same day, I contacted Capital One and was instructed to upload a government-issued photo ID and proof of residence through their secure online portal. I fully complied, and all requested identity verification documents were uploaded on XX/XX/year>, through Capital Ones official portal. 

Over the following week, I made multiple follow-up calls to Capital One. Despite repeated assurances, Capital One failed to complete the verification process within a reasonable timeframe, failed to provide a case or reference number, failed to arrange the promised supervisor or verification call, and failed to provide any written response, procedural explanation, or timeline for resolution. 

As of today, more than XXXX days have passed since submission of the verification documents. Capital One has neither completed the review nor restored access to my credit card, effectively denying me access to a consumer financial product without transparency, procedural justification, or due process. 

This unreasonable delay caused direct financial harm, including disruption of lawful transactions and the need to rely on alternative payment methods. Capital Ones actions reflect a lack of adequate internal procedures, insufficient escalation controls, and failure to meet basic standards for timely resolution of account access restrictions. 

I respectfully request that Capital One be required to : XXXX. Immediately complete the identity verification process ; XXXX. Restore full access to my credit card account ; XXXX. Provide a written explanation detailing the cause of the delay and lack of communication ; XXXX. Provide appropriate financial compensation or account credit reflecting the period of unjustified account restriction and the resulting financial disruption ; XXXX. Confirm compliance with applicable federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: VA

Complaint narrative:
I am submitting this response to dispute Cash Apps denial of several fraudulent XXXX charges and to correct inaccurate statements made regarding identity verification. 

Cash App denied multiple larger XXXX transactions, stating that my identity was not verified. However, this explanation is contradicted by Cash Apps own actions. During the same time period, Cash App reviewed and refunded smaller XXXX charges that were part of the same fraud pattern, including but not limited to : - {$13.00} XXXX charge dated XX/XX/year> ( refunded XX/XX/year> ) - {$7.00} XXXX charge dated XX/XX/year> ( refunded XX/XX/year> ) These refunds demonstrate that : XXXX. My disputes were accepted as legitimate XXXX. My identity was sufficiently verified to adjudicate fraud claims XXXX. Cash App conducted dispute reviews for the same merchant and fraud pattern Cash App can not reasonably claim that identity verification prevented reimbursement while simultaneously issuing refunds for related fraudulent transactions. Identity verification requirements can not be selectively applied based on transaction amount. 

All disputed charges involve : - The same merchant ( XXXX ) - The same time frame - Unauthorized activity that I did not approve

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: GA

Complaint narrative:
b'I was at XXXX XXXX for extensive medical treatment over a period of 3 1/2 years. I had financial assistance that covered all of my bills. A surgeon did serious damage so XXXX XXXX. \nThe woman I spoke to was very abrupt and commanding. She had a lot of my information and was trying to collect XXXX but she said she would give me a discount to clear the debt. I dont have any debt with XXXX XXXX and have never received a bill from them stating otherwise. I found this whole situation, absurd, and disturbing.\nI feel strongly that this was a scam.\nRepresentative stated that the bill was from XXXX  with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
I used Cash App and I was only sending money to my mom and girl and all the sudden it was closed and I was never fully informed why. I keep getting vague responses about violating terms but even more when I log on it it does have a address I clearly dont live at nor know anything about and I told them but no response about it. I think they wont tell me it mustve been hacked or something but I need to know. I use Cash App as bridge for others who only have it and not a bank so they can get funds. Strictly from my Cash App to their Cash App and thats all. It also shows stock getting sold and transfer to chase bank but I dont have a chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have made {$10000.00} in payments that are not being applied to a credit availability on a timely basis

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 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/XXXX To : Citibank XX/XX/XXXX Cc : XXXX XXXX : Best Buy I am in receipt of your letter on behalf of Best Buy claiming I owe {$210.00}. I am refuting for the THIRD time this bill as it is not valid. I began my dispute in XX/XX/XXXX. Followed by written letters disputing the charges beginning in XXXX ( see letter attached dated XX/XX/XXXX ). After several direct phone calls with both Best Buy, who not until I made 4 separate extremely frustration phone calls did I finally get a representative to provide me with a suggestion to contact Citi Card. 
XX/XX/XXXX -Call Best Buy with no results XXXX XXXX Called again Best Buy -my call transferred to a voicemail that did not address my dispute no help XXXX XXXX Called again Best Buy -no help given again transferred me to same voice mail messaging service with no response XXXX XXXX Sent Letter ( attached ) no response to my letter XX/XX/XXXX Called Best Buy and finally got a representative to speak to me. Her name is XXXX. She could not substantiate the charge. She suggested I speak with Citi Card as she could not do anything. She was going to transfer me or give me a number to call. I insisted she stay on the line with me as I did not trust transferring my call would be successful. She obliged. 
XX/XX/XXXX I asked both to substantiate what the charge was for and neither could provide that information. I explained that I never authorized any continual service contract for a laptop that I purchased 3 years ago and that was the only thing I could think of that would be the cause for the bill. With both representatives on the phone the Citibank representative CONFIRMED for me that she would cancel whatever it was and I would not be charged and she said clearly we will correct this for you and apologized. I asked for a confirmation # or some form of validation that this would be done she provided this number # XXXX. As I have lost confidence in your system I am reporting all to the following agencies requesting inquiries be made on my behalf : Consumer Financial Protection Bureau, Federal Trade Commission XXXX XXXX XXXX XXXX Police Department 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 monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
My Venmo account is XXXX. My SSN is XXXX. My address is XXXX XXXX XXXXXXXX XXXX XXXX My name is XXXX XXXX. My Venmo card number is XXXX. During my use of Venmo, Venmo unexpectedly froze my account, preventing me from transferring the funds in my account. I requested that the freeze on my account be immediately lifted and an explanation be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Company has never sent debt verification documentation after requesting several times. Company is reporting late payments when no payment arrangements have been made on either account. This is a clear FTC violation. 15 USC CODE 1681S-2 Inaccurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I had been living at XXXX XXXX condominiums located at XXXX XXXX XXXX XXXX tx XXXX. Upon moving out, they had created fake charges and billed me. Despite arguing they refused to waive them. For the sake of being just being finished with situation I had paid them through their request of a cashier check. Funds have been withdrawn and handed to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am a XXXX v. XXXX automatic discharge borrower. My school is on the automatic relief list. My balance XXXX  interest remain, XXXX  my account still shows under review past the processing timeline. My prior complaint was closed without resolution. I need confirmation of my discharge status XXXX  timeline. Deadline was XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: DC

Complaint narrative:
Discover XXXX Bank a brand logo of DISCOVER Card Services and owned by XXXX XXXX XXXX XXXX  -- issue a Debit Card with Discover Logo. Discover operates as Financial Institution under FDIC and offers Debit Card Services to consumers as banking options.

Debit Cards with a Discover Logo are accepted worldwide by Merchant Services who accepts the Discover Card and authorize transactions through normal processing. Discover offers checking and savings options.

Problems with this particular XXXX XXXX ; known as Discover are the following : ; 1. Deposits -- - thru Mobile Deposit -- - have longer periods of wait times for funds availability. The Consumer has to wait longer than 5 business days and up to 20+ days in some cases. Discover claims there's NO personal banker or officer that can make those funds available sooner or NO other options to offer. The XXXX XXXX system sets timelines and limits which mostly aren't agreeable or beneficial to the consumers. Deposits are made without guarantees as to their availability.

2. Merchant Debit Card Authorization or Pending purchases. If a Merchant advises a Consumer that an Authorized purchase or service have been released off the card ; the funds remain pending and continue to be deducted from the consumers account, the funds aren't credited back nor made available to the available balance. Discover claims an ( 8-10 ) day hold are normal time for Merchant to settle debits or transactions. However, the consumer is given different information as to waiting for debit transactions to clear, settle or go back to the account. Cash funds are the not in pending status, they're actual deductions taken from the balance and redeposited later. Discover uses ( 2 ) sets of transaction balances, which are misleading and potentially risky to consumers. They may show current balance and available balance, which both are different and aren't reflective of funds status and the balance is confusing and misleading as to how to figure out what's actual and what's not actual.

3. Virtual Call Centers ; ... ate useless when it comes to Disputes and Investigations of disputes between the Consumer and the Merchant ; Discover claims they open investigations on disputes on Debit Cards, although only run a level one inquiry to eliminate Fraud Charges and XX/XX/year> they deny or decline to further investigate actual disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello I contacted Capital One on XX/XX/XXXX and I asked if I can enroll in their hardship program now when I call the first time, I was told that I will be enrolled enrolled and they will waive any late fees and make a minimum payment of {$300.00} until the card is paid off but when I called back the same day the second time the man was like no the XXXX is still due the hardship program only waves fees if you can not make the payment and then say its still reports your credit card if you can not make the {$600.00} payment even though you were told XXXX so Im still confused on whats going on because I was told XXXX different things by XXXX representative and I really need assistance. Im going through a financial hardship and I just wanted to know if you guys can lower the XXXX rates or if you can make fixed monthly payments like {$300.00} every month until the cars are paid back or is there any other options on what could be done because I have seen that you guys offer the financial hardship program but youre just not assisting with helping so Im reaching out to see a B complaint to exercise my right and see what can be done. I never missed a payment with your company since Ive been a member. I went through medical things and the medical things led me to higher interest rate for XXXX years and it just kept building up leading to XXXX out cards and now I can not bear & these are for both my capital one cards Ending in XXXX & XXXX

Company response to consumer: Closed with explanation