vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southern Management Systems Inc.
State: TN

Complaint narrative:
Last XXXX, the apartment that I lived in put a random roommate in my apartment to share a bathroom, and came in to clean and prepare, etc. with absolutely no notice. The roommate could not even speak XXXX and totally took over our shared space and made it filthy. Not to mention the fact that they send us a long list of things to do to prepare less than XXXX hours before she moves in, which also happens to be the weekend of my college graduation when things are already chaotic. I had already had bug issues, management send in painters and making us move all of our stuff off the walls, etc. the week that I was going to XXXX for over a week without specific notice of what days, broken blinds from the painters and an unplugged fridge overflowing with groceries that were never replaced when they were painting, and on and on. We had problems all year. I gave notice through our resident portal, I believe near the end of XXXX, that I moved all of my stuff out and was not paying XXXX rent of {$490.00}. We call when XXXX rent is due because we hadn't gotten a response about what the verdict was, and I was locked out of my resident portal so I could no longer see my notice or what was due. When we called, they said that it was sent to higher management and that we should wait to hear back because there was no way for us to reach them sooner. I was never reached out to by the company, have no emails about my rent being late or anything of the sort, and could never log back into my portal. Fast forward, I go to apply for a new apartment this XXXX and see that a debt collector put me in Collections for over {$900.00}. I have no idea what that amount is for, or why the apartment wouldn't reach out to me first. They are very sketchy and hard to reach, and I am very saddened by how the whole thing was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX sold a property while I was still a resident in the home. I received no notice of the sale and was only advised of the sale after I attempted to make payment for the rent in XXXX. The home was sold on XX/XX/year>, and XXXX did not send any type of notice to advise. Payment was received for the rent prior. After several request to refund my money including my security deposit of {$3000.00}, XXXX filed eviction papers because the new party could not take ownership of the property. In court, the judge agreed with what I stated and I agreed to move as long as there were no charges against me. XXXX was to return my security deposit but never did. I have not received anything from XXXX about a debt. I was not aware of any charges on my credit report until recently when I applied for another home to rent for my new employer. This item is not only on my credit report, but it is now showing on my XXXX daughter 's report as well. My daughter, XXXX XXXX, signed a lease because she was XXXX XXXX XXXX and was never a responsible party for any rental charges. Collection letter sent only to my daughter and in only her name to collect the debt. This charge can potentially affect my new employment with a government organization because of security clearance needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
I began disputing this alleged XXXX collection account on XX/XX/year>, when I sent my first written request for validation under FDCPA 809 ( b ). The balance being reported was {$1100.00}, and I made it clear that I disputed the debt entirely. In that first letter, I asked the company to stop all collection and credit reporting until they provided proper validation. I also listed the documents required by law, such as a signed contract, proof of ownership, chain of custody, itemized accounting, and proof they were licensed to collect in XXXX. On XX/XX/year>, the company responded, but the information they sent did not meet the legal standard for validation. Instead of providing the documents I requested, they only sent a short internal summary of the account and several XXXX billing statements. Billing statements do not prove legal ownership of a debt, do not show a contract, and do not establish the chain of custody. None of the required documents were included. Because of this, I sent a second written notice on XX/XX/year>, explaining that their response was insufficient. I repeated my request for proper validation and reminded them that continuing to collect or report the debt without validating it violates both the FDCPA and the FCRA. On XX/XX/year>, they sent another response. This second response was almost identical to the first one. They repeated the same internal summary and sent more billing statements, but again failed to provide any of the documents required for validation. They still did not provide a signed contract, proof of assignment, itemized accounting, or proof of licensing. Because they continued to ignore the validation requirements, I sent a final notice on XX/XX/year>. In that letter, I explained that they had now failed to validate the debt after XXXX separate written requests. I also informed them that their continued collection activity and credit reporting violated multiple sections of the FDCPA and FCRA, including failing to mark the account as disputed. I gave them 10 days to either provide full validation or delete the account from all credit bureaus. Around this time, I received another response from them dated XX/XX/year>, which again only repeated the same internal summary : service start date, last payment date, delinquency date, and the balance. They still did not provide any of the legally required documents. They have never provided a contract, proof of ownership, chain of custody, itemized accounting, or proof of licensing. Despite XXXX written requests, the company has continued to report and attempt to collect the debt without providing proper validation. They have also failed to mark the account as disputed. Their actions violate FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), and the continued reporting of an unvalidated debt is causing ongoing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am submitting this complaint against Cash App ( Block , Inc. ) for refusing to close my account despite multiple requests to do so. I have contacted Cash App support on multiple occasions and formally requested that my account be closed. Each time, my request has gone unfulfilled without any adequate explanation. There are no outstanding balances, pending transactions, disputes, or other restrictions that would justify preventing account closure. I believe Cash Apps continued refusal to honor my account closure request is an unfair practice. As a consumer, I should have the right to terminate my relationship with a financial services provider when I choose to do so, particularly when there are no legitimate barriers to doing so. I am requesting that the CFPB : 1. Investigate Cash Apps account closure practices and their failure to honor my repeated closure requests 2. Require Cash App to provide a clear, written explanation for why my account can not be closed 3. Compel Cash App to close my account promptly I have made good-faith efforts to resolve this directly with Cash App through multiple contacts with their support team, all without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
My PayPal account was permanently deactivated due to automated risk flags associated with my digital art and creative business sales. Following this sudden deactivation, PayPal placed a hold on my remaining account balance. I immediately disputed this decision and initiated a formal appeal. I have provided all necessary business proofs and verification to the executive escalation and compliance teams. A formal manual review ticket was opened to investigate this deactivation : Ticket # XXXX. I was informed by support that the back-office compliance team would review my submitted proofs within a XXXX to XXXX business day timeline. However, this situation remains unresolved, and my funds are completely inaccessible. This automated account restriction and the subsequent freezing of my balance is severely affecting my livelihood. As an independent business owner, I rely entirely on these funds to cover my immediate living expenses, manage day-to-day operations, and maintain my business. The ongoing delay and lack of a transparent resolution are causing direct, substantial financial harm. I am requesting that XXXX expedite the manual review of Ticket # XXXX, overturn the automated deactivation, and immediately release my held funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian completed my dispute on XX/XX/XXXX regarding a XXXX XXXX auto loan account and left the account unchanged, stating only that the furnisher certified the information as accurate. I believe Experian failed to conduct a reasonable reinvestigation and relied on a generic furnisher verification despite clear contradictions and incomplete information on the report. The current Experian report shows the account as charged off, with {$5700.00} written off, but also reports {$6000.00} past due as of XX/XX/XXXX. It also shows the account status updated as of XX/XX/XXXX, while the balance was updated on XX/XX/XXXX. The balance history shows the reported balance continuing to increase monthly after charge-off, from approximately {$4700.00} in XX/XX/XXXX to {$6000.00} by XX/XX/XXXX, even though the scheduled payment is reported as {$0.00}. These figures are internally inconsistent and incomplete. Experian did not provide any itemized accounting, documentary verification, explanation of the continuing monthly balance increases after charge-off, verification of the date of first delinquency, or explanation of how the reported charge-off amount, past-due amount, and current balance were calculated. The report also states the account is scheduled to remain until XX/XX/XXXX, but Experian did not verify or explain the date of first delinquency used to determine that removal date. This account is also connected to a court matter that was dismissed, and I dispute the accuracy, completeness, and continued reporting of the balance, past-due amount, charge-off reporting, balance history, and reporting dates. Experians response did not address these specific disputed issues ; it merely left the item unchanged. I am requesting that Experian conduct a reasonable reinvestigation under the FCRA, not merely an automated or generic furnisher confirmation. Experian should obtain and review documentary proof from XXXX XXXX, including a full itemized accounting, the basis for the {$6000.00} balance, the basis for the {$5700.00} written-off amount, the basis for the monthly post-charge-off balance increases, and the verified date of first delinquency. If Experian can not verify the disputed information with competent documentation, I request that the account be deleted or corrected.

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 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

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 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: OH

Complaint narrative:
This complaint involves a charge-off account reported by U.S. Bank in the amount of approximately {$730.00} that does not belong to me and is the result of identity theft. I did not open, authorize, or use this account. I previously contacted the company and disputed the account, requesting validation and proof that I am responsible for the debt, including any signed agreement or application. I did not receive documentation proving I opened or authorized the account. Despite my dispute and request for validation, the account continues to be reported on my credit report as a charge-off.

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 2026-06-10 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: NY

Complaint narrative:
I received an offer in the mail for a Citi 21 month 0 % APR credit card that allowed balance transfers. I applied for the credit card for the sole purpose of doing a balance transfer. I was issued a Citi card, made a login at Citi and applied for the balance transfer. Citi denied it without informing me. I called Citi multiple times and I was told all those times " You're all set, your balance transfer will go through in XXXX business days. '' It didn't got through the multiple times I attempted. I called Citi again and they wouldn't tell me the reason that it was denied. They just told me to keep submitting the balance transfer again and again. I haven't been able to receive any information and on the last call, I asked for the phone number and email of the complaint department and the Citi rep hung up on me. It seems Citi is doing this on purpose. It's false advertisement. In addition to my balance transfer being denied, Citi was asking for too much private information to verify me every time I called. I have a phone number, email, social security, and address on file with them. They refused to verify me using those pieces of information. Each time I called Citi, they asked for more and more information to verify me. The first time they asked for credit card numbers of other banks. They made me call XXXX XXXX XXXX together, so that XXXX could verify me with the very information Citi refused to take. The next call they asked for my employer and then they called the front desk of the business I work for to verify me. Finally, on the last call they asked for the actual account number of my checking account with XXXX XXXX XXXX XXXX. I have literally provided them with every single credit card number, employer history and address history to get verified. What kind of bank asks for the account number of another bank and then calls that other bank to verify? XXXX XXXX XXXX XXXX hung up on Citi because it sounds like a fraud call when Citi calls 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 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
I ws informed by XXXX, in the XXXX department at SPS that the only way to assume mortgage was through a refinance and that I was also behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint because Citi failed to conduct a reasonable investigation of my billing dispute involving a transaction with XXXX in the amount of {$11000.00}. I submitted substantial evidence supporting my position, including : Return Merchandise Authorization ( RMA ) issued by the merchant. Proof of Delivery confirming the return package was delivered to the merchant 's designated return facility. Additional documentation regarding the return. Despite repeatedly providing this evidence, Citi 's responses do not address it. Instead, Citi merely states that it reviewed information from the merchant and concluded that the charge is valid. Citi has never explained : Why my Proof of Delivery was rejected. Why my RMA documentation was rejected. What evidence from the merchant outweighed my evidence. Whether Citi independently verified the merchant 's claims. Whether the merchant provided photographs, serial-number verification, package inspection records, weight records, or any other objective evidence. The merchant 's position appears to be based solely on its assertion that the returned item was incorrect. However, Citi has never provided any explanation of how it determined that the merchant 's assertion was more credible than the documentation I submitted. I am requesting that Citi provide : A detailed explanation of the investigation performed. Copies of all evidence relied upon in reaching its decision. An explanation of why my submitted evidence was rejected. Confirmation that Citi independently evaluated the dispute rather than simply accepting the merchant 's statements. I believe Citi 's responses fail to demonstrate that a reasonable investigation was conducted as required under applicable consumer protection laws. I respectfully request CFPB review Citi 's handling of this dispute and require a substantive response addressing the evidence submitted.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Acorns Grow Incorporated
State: CA

Complaint narrative:
I opened an Acorns account and paid approximately {$3.00} per month in subscription fees for several years. In XXXX, I began the account closure process and repeatedly requested account-specific information regarding my account status, subscription fees, remaining funds, liquidation proceeds, and linked bank account. My account dashboard displayed " Your Acorns subscription cancellation is pending '' and showed my checking account as " Closing. '' I also received communications indicating that my linked bank account had been unlinked, followed by communications suggesting that automatic investments would resume. These communications created confusion regarding whether my account was actually closing and whether Acorns still had authority to debit my linked bank account. I contacted Acorns multiple times by email and chat and requested : Account closure status Remaining account balances Liquidation proceeds and destination of transferred funds Subscription fee history Linked bank account status Confirmation that no future debits or recurring investments could occur My concerns were escalated to a specialist team. However, instead of providing direct answers to these account-specific questions, I was instructed to download statements. My requests regarding remaining funds, final account balances, liquidation proceeds, and debit authorization status were not directly answered. I am also unable to determine the disposition of a remaining account balance and any funds generated from liquidation of investments during closure. I am requesting : A complete accounting of all account balances, liquidation proceeds, transfers, and remaining funds. Written confirmation that all accounts are closed and that no future debits or recurring investments can occur. Payment of any remaining funds owed to me. A complete subscription fee history. Review and consideration of reimbursement of subscription fees paid during the life of the account due to the confusion surrounding account status, closure, and repeated unsuccessful attempts to obtain account-specific information.

Company response to consumer: Closed with explanation