vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting a complaint regarding confusing payment allocation across multiple promotional balance transfer offers on my Capital One credit card account. I currently have several promotional balance transfer balances with different expiration dates but all carrying the same 0 % APR. After accepting a new {$4000.00} promotional balance transfer expiring in XXXX, I made approximately {$3500.00} in payments shortly afterward. Based on a reasonable consumer understanding, I believed these payments would primarily reduce the balances expiring sooner in XXXX. Instead, the payments appear to have largely reduced the newest XXXX promotional balance while the earlier-expiring balances remained substantially unchanged. Although customer service stated the allocation followed APR-based policy, the disclosures and statement presentation did not clearly explain how payments would be allocated among multiple equal-APR promotional balances with different expiration dates. I contacted customer service and spoke with a XXXX supervisor, but I was told there would be no investigation, no case review, and no further escalation available. I am requesting : * a detailed written explanation of how my payments were allocated among promotional balances by expiration date * review of whether the disclosures and allocation handling were sufficiently clear * review for any available adjustment, accommodation, or resolution My concern is not that unauthorized charges occurred, but that the payment allocation process between equal promotional APR balances was materially confusing and financially disadvantageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> I initiated {$6000.00} balance transfer through Citi XXXX credit card ending XXXX to my XXXX personal loan account XXXX. I provided correct XXXX details and clearly wrote XXXX in comments field. Citi confirmed they received my XXXX details but processed transfer to XXXX instead. XXXX number XXXX. XXXX XXXX ID XXXX. I called XXXX XXXX XXXX on XX/XX/year> and they confirmed they never received any funds using trace number XXXX. I called XXXX XXXX and they confirmed they never received funds. XXXX never received funds. My {$6000.00} is completely unaccounted for. Citi never sent any confirmation email giving me no opportunity to catch their error. Citi online portal shows no balance transfer history despite {$6000.00} appearing on statement. I raised dispute XX/XX/year> within XXXX days. XXXX XXXX day deadline was XX/XX/year> which Citi violated. On XX/XX/year> Citi issued provisional credit of {$6100.00} then illegally reversed it XX/XX/year> without written explanation violating Regulation Z. On XX/XX/year> Citi supervisor admitted they do not send confirmation emails violating XXXX XXXX Citi reference XXXX. Previous CFPB complaint 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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Re : Complaint Against LVNV Funding LLC Debt Parking, Account # XXXX Dear Consumer Financial Protection Bureau : I am filing this complaint against LVNV Funding LLC for engaging in illegal debt parking. LVNV Funding placed a collection account ( Account # XXXX ) on my consumer credit report without first sending me the federally required written debt validation notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and CFPB Regulation F, 12 C.F.R. 1006.30 ( b ). Debt parking occurs when a debt collector reports a debt to the credit bureaus without providing the consumer with the required notice that allows them to dispute or verify the debt. By doing so, LVNV Funding bypassed my federally protected right to receive, review, and dispute this alleged debt before it was used to harm my credit. This practice is a direct violation of Regulation F, which prohibits furnishing debt information to any consumer reporting agency before first communicating with the consumer or mailing a validation notice. Additionally, as a debt buyer, LVNV Funding LLC has not provided a complete chain of title demonstrating legal ownership of this account, nor has it provided anything beyond billing statements which courts have held are insufficient to prove a debt is owed. See XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ; LVNV Funding, L.L.C. XXXX XXXX I respectfully request that the CFPB investigate LVNV Funding LLC for these violations and direct them to immediately remove Account # XXXX from my consumer credit reports with XXXX, XXXX, and XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, my mortgage servicer opened an escrow account on my loan without my knowledge or consent. Since the loan originated in XX/XX/XXXX, I have never had an escrow account, as I have always paid my own property taxes and insurance directly. I am not entirely clear why they did this but it was the same month they changed names, and my XX/XX/XXXX payment was returned to me. When I contacted them they advised me they have a new name, and I corrected my bill pay and sent them both XXXX and XXXX payment together. This unauthorized escrow account began charging a {$1.00} monthly fee. It appears the servicer pulled this {$1.00} from my regular monthly mortgage payment to fund the escrow account. As a result, my mortgage payment was short by {$1.00} each month, which the servicer then reported as a delinquency. Because my bank automatically pays the full mortgage amount on the XXXX of every month, I had no reason to believe anything was wrong. When I received the first delinquency notice, I immediately contacted the servicer. I was told the issue would be corrected, but it never was. Both my wifes and my credit scores were impacted by these reported delinquencies each dropping by approximately XXXX points. I escalated the issue multiple times and was repeatedly assured it would be resolved, yet no correction was ever made. In an effort to fix the problem, I even paid the additional amount the escrow account was charging, but the issue still remains unresolved. The escrow account is still open, new charges continue to appear, and my mortgage continues to show as delinquent despite my payments being made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing a formal complaint against Portfolio Recovery Associates , LLC ( XXXX ) for explicit violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, regarding misleading and inaccurate representation of account status and data reporting. In a prior CFPB response dated XX/XX/XXXX ( attached as XXXX ), XXXX formally asserted that according to their official business records, the underlying XXXX XXXX account was originally opened on XX/XX/XXXX. Despite XXXX possessing concrete, documented knowledge of this true timeline, they are actively publishing a completely different " Date Opened '' of XX/XX/XXXX on my active XXXX credit file ( attached as XXXX ). While debt buyers often reference their acquisition date internally, displaying this information in the primary " Date Opened '' field on consumer credit files severely misleads automated credit scoring algorithms and underwriters. It creates the false impression of a brand-new, recent XXXX default rather than an older historical event, causing ongoing and artificial damage to my credit profile. Furthermore, XXXX has left the core financial fields completely blank ( as shown by the dashes under credit limit/high credit in XXXX ), failing to report clear, compliant balance structures while simultaneously verifying this broken data layout to the credit bureaus during disputes. I have recently sent a direct debt validation request to XXXX to address this data inaccuracy and demand proof of the underlying debt structure, yet the company continues to maintain this deceptive and structurally conflicting reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit management is is harassing me. I sent a certified letter to let them know not to contact me on on XX/XX/year>. A representative signed for decertified letter on XX/XX/year>. In the certified letter I stated do not contact me and each violation will be {$200000.00} awarded to me. On XX/XX/year> they have contacted me via XXXX and now I am seeking {$200000.00} and will be taking these guys to court and then it's a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: AE

Complaint narrative:
XXXX XXXX unable to produce or verify account information and billing about a debt. When I called XXXX XXXX I kept getting referred to a collection agency. Invoice to show debt owed could not be provided or verified. I was never contacted about any debt owed to XXXX XXXX. Collection Agency ( Sunrise Credit Services ) placed a collection on credit report, which is how I learned of this. Sunrise also unable to provide XXXX account verification to show a debt owed. Sunrise kept saying that it was for equipment not returned. Never did I have XXXX equipment. From XXXX XXXX XXXX I served on XXXX orders in XXXX. No service provided from XXXX. Thus, I never had XXXX account. Sunrise wanted me to pay debt amount of approximately {$1100.00}. I settled to pay {$500.00} just so I could quickly get this removed from report so I could apply for home loan at next duty station. The collection remains on my credit report although settled. This debt is not mine. XXXX XXXX and Sunrise unable to provide invoice. XXXX XXXX could not show that I had an account with them. I contacted Sunrise once I saw the collection on my credit report ( when I was alerted of this collection ) at the start of XX/XX/year> ( around XXXX XXXX ). XXXX and/or Sunrise scamming me for money on a debt that is not mine and forced me to pay by putting this onto credit report. Neither XXXX XXXX or Sunrise contacted me previously about this. First notification came from Sunrise with collection placed on credit report end of XX/XX/year>. Sunrise told me to settle and that it was only an offer for that time on the phone. If not, then it would be full amount. Again, not my debt so I settled so I can continue with a home loan at next military duty station. This felt like an extortion tactic of sorts or blackmailing. It seemed at is Sunrise used XXXX XXXX as reason to charge me money or collect money from me.

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 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Nationwide Capital Services, LLC
State: CA

Complaint narrative:
I received a loan from XXXX XXXX and the debt was transferred to Structured Settlement for collections. I called Structured Settlement to set up a payment plan to pay the debt back. Today, my card declined ; I'm not sure why but I was going to look into it as soon as I completed my work day. Instead, Structured Settlement called my dad today ( XX/XX/XXXX ), disclosed that I had a debt, disclosed that I talked to them on XX/XX/XXXX to set up a payment plan, and disclosed that my card was declining. This is improper communication and disclosed far too much information with a XXXX party. I've emailed them requesting that they only communicate with me and not with XXXX parties but they have not responded.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am submitting this complaint regarding Barclays Bank Delaware XXXX GM Rewards Mastercard account ending in XXXX. I repeatedly disputed this account and requested a reasonable investigation and proper validation under the Fair Credit Reporting Act. Despite my disputes, the company continues reporting the account as verified without providing competent documentary evidence supporting the reporting. Instead of providing actual validation, the company merely sent generic billing statements and document reprints. These documents do not establish contractual liability, do not demonstrate that a reasonable investigation was conducted, and do not constitute proper validation of the disputed reporting. The company continues furnishing the account to consumer reporting agencies while reporting inconsistent and incomplete account information, including missing contractual terms and missing interest type information. The account is simultaneously reported as charged off and continues receiving monthly updates. Additionally, the companys dispute response states : Completed investigation of FCRA dispute consumer disagrees while failing to provide : * signed agreement * proof of liability * complete payment accounting * investigation documentation * evidence supporting verification results I believe the furnisher failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act, including but not limited to : * 15 U.S.C. 1681s-2 ( b ) * 15 U.S.C. 1681e ( b ) * 15 U.S.C. 1681i I am requesting : XXXX. A reinvestigation by the furnisher XXXX. Full documentation supporting the reporting XXXX. Correction or deletion of any unverifiable, inaccurate, or incomplete information XXXX. XXXX of reporting if the information can not be properly verified I have retained copies of the dispute results, billing statements, and correspondence showing that the company responded with generic statements rather than meaningful validation.

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year> I noticed that my " cash app '' had pulled {$1300.00} from my XXXX XXXX account and who ever used my account used all funds to purchase bitcoin once I realized I contacted Cash app Customer Service team and they told me that they can not issue me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Made a purchase and used PayPal to pay for it. Never received my purchase, PayPal is holding {$330.00} XXXX and not resolving the issue. PayPal case Id : XXXX PayPal told me to cancel my credit card with my credit card company and I did. PayPal refuses to release my funds. I made the purchase on XX/XX/XXXX, seller had till the XXXX to respond. Seller did not respond by the XXXX and Pay pal is holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: OR

Complaint narrative:
I was notified in XXXX of this year by a credit monitoring agency that a collection has been entered on my credit bureau. This is the first notice of the collection I had received. I disputed the information with the credit bureau and was informed that it was a valid debt. XX/XX/XXXX of this year I contacted the reporting company, Waypoint Resources, via email and they responded by asking for additional information so they could find the account. I dont have any other information nor do I have any billing or notice from the company. I provided them with a screenshot of the credit bureau entry. I asked again via that same email stream is if this was sufficient information and I received no response. I am speculating. This might be related to a XXXX account that I had disputed back in XXXX, but again I have no information validating that. If it is XXXX XXXX, then they are continuing a pattern and practice of deceptive business practices, as I had attempted to close the account numerous times and was deflected, delayed, and transferred between multiple departments in an effort by them to keep the account open. I have multiple screenshots and recordings of that conversation showing me on the phone with them for over an hour simply trying to close the account.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have held a XXXX credit card account in good standing for approximately 26 years with no missed payments, no disputes, and no negative history of any kind. On XX/XX/year>, I discovered that XXXX had closed my account due to inactivity. I was not aware the account had been closed until today. XXXX states they sent a letter notifying me that the account had not been used in 7 months and would be subject to closure, however I never received this letter. No follow-up contact was made no email, no phone call, no in-app notification before the account was permanently closed. When I contacted XXXX to request reinstatement of the account, I was told nothing could be done. I was not offered an escalation path, a formal reconsideration process, or any remedy. I am requesting that the CFPB review this matter. A single undelivered letter as the sole notification method with no secondary outreach before permanently closing a XXXX account in perfect standing does not seem like adequate consumer notice. I am asking that XXXX reconsider the closure and restore my account

Company response to consumer: Closed with explanation