vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint against Midland Credit Management for what I believe to be unfair, deceptive, and harassing debt collection practices. Midland Credit Management has repeatedly contacted me regarding an alleged debt. In addition to frequent collection calls, representatives of the company accessed my XXXX profile and posted comments relating to an alleged debt on a social media post celebrating my child 's birthday. This communication was visible to others and caused me significant embarrassment and emotional distress. Additionally, Midland Credit contacted members of my family and left voicemail messages that discussed the alleged debt and suggested that I could face jail time. These communications were made to third parties who are not responsible for the debt and caused further embarrassment and distress. I believe these actions XXXX violate the Fair Debt Collection Practices Act ( FDCPA ), including provisions related to harassment, disclosure of debt information to third parties, and the use of false or misleading representations. Despite my concerns, the conduct continued and negatively affected both me and my family. I respectfully request that the CFPB investigate Midland Credit Management 's collection practices, require the company to cease any improper communications, and take any appropriate corrective action to protect consumers from similar conduct. I am also concerned that Midland Credit Management has failed to comply with my written request for debt validation and to cease collection activities until proper validation was provided. I sent a debt validation request via certified mail on XX/XX/year> which was received and signed for by XXXX XXXX on XX/XX/year>. Despite receiving my request, Midland Credit Management did not provide the requested documentation or evidence validating the alleged debt. Instead, I received only a payment statement, which did not address or satisfy my validation request. I believe the company has disregarded my request and continued collection efforts without providing adequate verification of the debt. Furthermore, I requested that collection communications cease until validation was provided, yet the company continued its collection activities. This conduct has caused additional frustration and concern regarding the company 's compliance with applicable consumer protection laws. I have retained copies of my certified mail receipt, return receipt bearing XXXX XXXX 's signature, and the correspondence received from Midland Credit Management, and I am prepared to provide these documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: RI

Complaint narrative:
I am filing this complaint against Robinhood Credit , Inc. regarding an unauthorized charge of {$2000.00} on my Robinhood XXXX Credit Card on XX/XX/year>. I reserved a gold bar through Robinhoods rewards program believing it was a free reservation with points accumulating over time. I never authorized a {$2000.00} charge. Without my knowledge, Robinhood charged my credit card {$2000.00} to purchase points to complete the redemption. On XX/XX/year>, a Robinhood agent confirmed in writing : This redemption does not affect your credit card balance ; it only impacts your rewards points. On XX/XX/year>, another agent stated : If you were charged {$2000.00} in advance, this is not expected behavior for reserving a premium XXXX XXXX. On XX/XX/year>, the {$2000.00} was deducted from my XXXX XXXX XXXXXXXX checking account as part of a {$2400.00} Robinhood card payment, wiping out my entire paycheck from XXXX XXXX deposited XX/XX/year>. ROBINHOODS REFUSAL TO RESOLVE : Despite raising this since XX/XX/year>, Robinhood has refused to refund me, refused to provide a case reference number, gave contradictory information across multiple agents, and repeatedly closed my chats without resolution. Today they refused to even submit a dispute case. I am requesting a full refund of {$2000.00} plus any overdraft fees incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off 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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX my account was hacked and I received a total payment of {$1100.00} USD from other hacked accounts. This money was then funneled into XXXX XXXX account using mine excluding the last payment that I caught in time leaving me without {$860.00} that I physically do not have. I have contacted PayPal support multiple times without any help. They have ignored my claims and has put my account in the negatives. None of these were transactions I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has been charging me a monthly maintenance fee of {$4.00} since XX/XX/year> and has not stopped until XX/XX/XXXX. I was told that I'm a member of Preferred Cash Rewards, so I won't get charged for the monthly maintenance fee. I didn't even notice that I was getting charged behind my back until the end of XXXX. Later, I was informed that I was told a lie or misleading information. I maintained a minimum balance to avoid fees since the end of XXXX, but they've still been charging me from XXXX till XXXX without refunding. They have charged me five times already and refunded only two. This mustn't go on.

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 2026-06-11 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: FL

Complaint narrative:
I am disputing a collection account being reported by LVNV Funding LLC in the amount of {$1100.00}. I previously requested validation of this alleged debt directly from the company, including documentation proving that I am legally responsible for the account, the original creditor information, and proof of LVNV Funding LLCs authority to collect and report this debt. I have not received sufficient documentation or verification. Because proper validation was not provided, I also disputed the accuracy of this account with the credit reporting agencies. However, the account continues to be reported without adequate verification. The information being reported is affecting my credit profile, yet the debt has not been properly validated or confirmed as accurate and complete. I believe the account is being reported without sufficient supporting documentation under the Fair Credit Reporting Act. I am requesting that LVNV Funding LLC either provide complete verification of this account or correct/remove the account from all credit reporting agencies if it can not be fully substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened an account with citi bank not too long ago for my web design business. I did not do much business using this bank account. I believe 4-5 of my deposited checks bounced due to issues with the customers bank accounts. After those issues, I did not attempt to deposit more web design checks to avoid any more issues. I recently started XXXX XXXX XXXX XXXX and received checks equaling about {$89000.00} from XXXX XXXX which I deposited with the teller into my account. Some of the amount was cleared in the first 2 days and on the third day when i tried logging into my bank, i was unable to login. I contacted citi bank by phone and the banker told me that my account is set for closure since they were unable to verify the deposited checks with XXXX. I then went into the branch and the banker there told me that i have to speak to the fraud department on the phone so then i called again. I told the banker on the phone to call humana and merge the call so i can help with providing the information they asked for, which she did. While we were on call, she verified one by one all the checks and XXXX told her that they are all valid. So the banker then told me she was able to verify and will put in a request for reinstatement. After 48 hours i called and they said they are still closing my account after reviewing previous history. I barely used my account in the past and apart from those 4-5 bounced checks previously there was literally nothing suspicious going on, and no bank ever closes an account just based on 4-5 bounced checks. Now these idiots have my {$89000.00} which they said will only be released after account closure in 30-60 days. XXXX said they can not void those checks since they were already cleared. This is the worst bank ever. They are holding my money without any reason and I am unable to ship items to PATIENTS who need the medical supplies all because these XXXX are holding my $ XXXX. GIVE ME MY XXXX MONEY NOW

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against SoFi Bank for failing to credit a cash deposit to my account, despite my possession of a valid, printed paper receipt explicitly marked " APPROVED '' by their processing network.On XX/XX/year> at XXXX, I made a cash deposit of {$410.00} into my SoFi account at XXXX store # XXXX. The transaction was completed by swiping my physical SoFi debit card at the register via the Green Dot network.The register printed an approved receipt with XXXX XXXX XXXXTrace ID number : Approval # XXXXIt has now been well over the standard 2-hour processing window, and the funds have not posted to my SoFi account. When I contacted SoFi customer support, agents informed me that their front-end system shows " no upcoming deposit. '' They admitted there is currently a known technical communication lag/delay issue between XXXX, XXXX XXXX, and SoFi.SoFi has opened a back-office research ticket but they refuse to issue a provisional credit or provide an immediate resolution, forcing me to wait days without access to my own cash. XXXX XXXX customer support refuses to assist me directly because I am a SoFi customer, leaving me trapped between both institutions.Because I have an official, network-approved receipt, the money is legally mine and is currently being held in limbo by SoFi 's third-party vendor. I demand that SoFi immediately review the attached receipt, manually pull the funds using the provided XXXX XXXX Trace ID, and credit the {$410.00} to my checking account without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: OH

Complaint narrative:
These collection account is being reported on my credit file that I dispute as inaccurate and/or unverified. I requested validation of this debt, but the company failed to properly verify it. This reporting is causing harm to my credit profile and ability to obtain credit. I am requesting immediate investigation, deletion of any inaccurate information, and full compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including 1681i ( reinvestigation requirements ) and 1681s-2 ( furnisher duties ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These collection account is being reported on my credit file that I dispute as inaccurate and/or unverified. I requested validation of this debt, but the company failed to properly verify it. This reporting is causing harm to my credit profile and ability to obtain credit. I am requesting immediate investigation, deletion of any inaccurate information, and full compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including 1681i ( reinvestigation requirements ) and 1681s-2 ( furnisher duties ).

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 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I filed a borrower defense case in XX/XX/year>. My loans have been in an administrative forbearance since that time, and were set to remain there until the case was decided- which it is not. Aidvantage started sending me letters to recertifify my IBR. I called to ask why, given the forbearance. Their representative explained that it was just so that I could keep that plan. I specifically asked if my loans would be taken out of my administrative forbearance because I did not want that. The representative said no. I sent my information in. I also checked no on the part of the recertification where it asked if I wanted my loans to come out of the forbearance. Guess what? A month later I got a bill. When I called, they said sorry, Id have to call the department of education. The department of education says I have to call Aidvantage. This is a runaround and I specifically DID NOT want this. I ASKED if this would happen and these people told me no. I feel like I did not understand enough about all the recent changes and what does/does not need to be submitted and when, and clearly the representatives can say and do whatever. I just want my loans put back in the mandatory forbearance I am entitled to have while my borrower defense case is pending- which it still is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am filing this complaint because I believe Capital One did not reasonably investigate or fairly handle my billing dispute regarding a service that was never provided. On XX/XX/year>, I purchased a website restoration service from XXXX after being specifically told by a company representative that my deleted website could be recovered. Based on that representation, I agreed to purchase a three-year Websites + Marketing plan for {$380.00}. The restoration of my website was the primary reason for the purchase. The promised restoration never occurred. I made numerous attempts to resolve the matter directly with XXXX and was repeatedly assured that the issue would be addressed. I received partial refunds for some portions of the transaction, including the cost of the restoration itself, but the core service that induced the purchase was never delivered. After it became clear that the promised service would not be provided, I disputed the remaining charge with Capital One. I supplied documentation showing that the purchase was based on a specific promise that was never fulfilled and that I had made extensive efforts to resolve the matter directly with the merchant. Capital One denied my dispute, relying in part on the passage of time. However, the delay resulted from my good-faith efforts to work with the merchant and the merchants repeated representations that the issue would be resolved. I do not believe Capital One adequately considered the evidence that the service was never provided or that I was induced to make the purchase based on a representation that proved to be false. I am requesting that Capital One review this matter again and provide appropriate relief for the disputed amount of {$380.00}. I have retained documentation supporting my complaint, including receipts, emails, order information, and records of my communications with both XXXX and Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: GA

Complaint narrative:
Ive sent NUMEROUS emails to Global Lending as well as paperwork to fill out but they will not email back or respond to emails. Global Lending PROMISED to delete this loan off of my credit report, which they did but it still continues to show on my XXXX XXXX XXXX XXXX credit bureau and report. I also submitted a inquiry letter to this company SEVERAL TIMES and they have YET to respond! This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Cod 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 602, 609, 611, and 623. They need to respond to my email for the inquiry because there was an inquiry paperwork filled out provided BY THEM to get the inquiry removed. I also have proved that they deleted the account off my credit report but not my XXXX XXXX or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I am a victim of electronic identity theft and financial fraud committed by the staff XXXX XXXX XXXX XXXX. On XX/XX/year>, the finance manager requested physical possession of my cell phone under the false pretense that he needed to verify a routine email to complete the sales process. While holding my personal mobile device, and without my knowledge, permission, or consent, he accessed my personal secure links and electronically executed a financing contract with Westlake Financial for an amount of approximately {$43000.00} The actual vehicle price I was told and agreed to was only {$20000.00}, with promised monthly payments of {$580.00} for the first XXXX months, dropping to {$290.00} thereafter. Furthermore, the dealership lied to my husband, telling him to put his name on the contract under the false promise that he would be removed after 3 months, and my brother-in-law, XXXX XXXX XXXX XXXX XXXX was also fraudulently added to the deb I never digitally signed this contract, I was never allowed to read the terms, and the total debt was hidden from me. Additionally, the dealership is unlawfully withholding my license plates and refuses to hand them over to me. I have already filed an official federal report with the FTC ( XXXX ) and a criminal complaint with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request Westlake Financial to immediately cancel this fraudulent contract, cease all collection efforts, and clear our names from this identity theft scheme. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: AR

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I placed a food order through the XXXX XXXX and paid {$54.00} via Cash App. XXXX fulfilled the order through XXXX. I never received my order. I contacted XXXX directly and have text message documentation confirming the issue. I filed a dispute with Cash App and it was denied. I then filed an appeal with supporting evidence including screenshots of my XXXX conversation and text messages with XXXX, and that was denied as well. Cash App has refused to refund {$54.00} for goods I never received despite documented evidence. I am requesting a full refund of {$54.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i had got a XXXX amount of XXXX $ on XX/XX/year> for a service i did for a customer i have. 3 days later i believe he made a report for a dispute to his bank XXXX reporting me as fraud. than my XXXX get restricted. i end up fixing these issues i had with this customer i had, then he processed to call his bank and cancels the claim he did. he sends me a letter from his bank stating date of inquiry which is XX/XX/year> along with claim number, saying thank you for contacting us about the transactions on your record here what you should know. no action will be taken, this inquiry is now resolved. i go ahead and contact my bank about this and i even send them the picture of letter i got from the guy making the claim, and my bank wells fargo told me XXXX still said its not enough evidence to take off the restriction .. its going to be 2 months now. Wells Fargo Personal Banking restricted my XXXX due to an allegation and rejected my evidence. However, Wells Fargo is allowing this automated restriction to bleed over and freeze the XXXX functionality on my entirely separate Wells Fargo Business Account. This is a legitimate business, and blocking my clients from paying me is causing severe, immediate financial harm. My XXXX identity is clean enough that XXXX XXXX XXXX let me open an account. I demand that Wells Fargo 's Executive Office review this case, separate my business profile, or completely purge my business XXXX token so I can re-register it.

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