vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: NY

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I have been pre-approved for personal loan with Sofi. I applied for {$5000.00} limit loan ( $ 237 monthly payments ) XX/XX/year>. I am full time employee ( XXXX XXXX XXXX on a XXXX leave and receiving full paycheck ( with more than sufficient amount to cover the loan payments ). Sofi refused to consider my income due to me being on leave. I have provided paystubs for several pay periods which show that I get full paycheck all the time. My company provided Sofi with verification letter of my employment and income. However, Sofi declined that information and they do consider applicant on XXXX leave as a person without income and employment. I consider that action as illegal lending discrimination from Sofi. Now they asked me to have co-borrower as they do not consider my full paychecks income as income due to XXXX leave. My loan application is still in pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I initiated an electronic balance transfer from my Wells Fargo credit card intended to pay my XXXX XXXX balance. The balance transfer amount was {$3300.00} and it posted to my Wells Fargo account on XX/XX/year>. 

Due to a processing error, Wells Fargo sent the balance transfer to an incorrect card number that does not belong to me, resulting in the funds being applied to a third party. Because of this error, I am now carrying balances on both my Wells Fargo account and my XXXX XXXX. 

Wells Fargo has provided a trace number confirming the transaction ; however, they have refused to provide provisional credit or a clear recovery process, stating that I verbally confirmed the information. Despite this, the funds were sent to a third party, which requires investigation, recovery, and correction. 

I have an open Wells Fargo case ( XXXX ) and an XXXX XXXX case ( XXXX ). This issue has been ongoing for over one month and has caused financial harm, emotional XXXX, and potential risk to my credit. 

I am requesting regulatory assistance to ensure Wells Fargo properly investigates, recovers the misapplied funds, and protects my credit during the investigation.

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, while logged into my Coinbase account, I clicked a phishing website impersonating Coinbase. The phishing site operated in real time using my active session and caused an unauthorized transfer of approximately {$11000.00} XXXX from my account. 

Coinbase independently detected this activity as suspicious. At XXXX XXXX  PDT, Coinbase emailed me stating that an unusual send had been detected and that the transaction was under security review with an estimated delay of approximately one hour. 

Upon realizing the phishing attack, I immediately used Coinbases security tools to lock my account. Shortly thereafter, at approximately XXXX XXXX  PDT, I called Coinbases official support number and spoke with a live agent for approximately 23 minutes. During this call, I explicitly informed Coinbase that I had clicked a phishing link and that my account was compromised.

The agent focused on identity recovery steps. The call was disconnected due to technical issues during verification, and despite my request, I did not receive a callback. All subsequent attempts to reach live support that evening and the following morning were blocked by Coinbases automated system, preventing real-time escalation during an active fraud event.

Although Coinbase later stated that the transaction completed before the account lock, blockchain records show that the stolen funds remained in a Coinbase-controlled wallet for several hours and were not transferred off the Coinbase platform until the morning of XX/XX/year>. 

During this period, Coinbase retained custody and control of the funds. Coinbase support personnel publicly acknowledged that the funds had been moved to another Coinbase account and that the receiving account had been blocked. 

Despite having detected suspicious activity, receiving verbal notice of a phishing-based compromise, and retaining custody of the funds for hours afterward, Coinbase did not prevent the onward transfer. Coinbase has since refused reimbursement and declined to explain its internal decision-making or escalation failures. 

My complaint is not that Coinbase caused the phishing attack. It is that Coinbase failed to act reasonably after detecting the unauthorized transaction, receiving notice of account compromise, and retaining the ability to prevent the final loss.

In addition, Coinbases Formal Complaints Team has issued inconsistent communications regarding the status of my complaint, stating at different times that the matter was closed and that it remains under active investigation with additional time required to respond. These conflicting responses further demonstrate internal communication and escalation failures and confirm that my concerns have not been substantively addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding improper medical debt collection practices involving XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX initially attempted to collect an alleged medical debt from me but failed to provide any itemized invoice or written validation of the debt, despite multiple requests made over several months. I recently learned that XXXX XXXX XXXX sold or transferred this alleged debt to XXXX XXXX XXXX without ever providing the requested documentation. 

XXXX XXXX XXXX has since contacted me by phone attempting to collect this alleged debt, despite the continued lack of validation and documentation. At no point have I received an itemized invoice, billing statement, or written validation from either XXXX XXXX XXXX or XXXX XXXX XXXX. 

Additionally, my medical insurance provider has confirmed that approximately {$9000.00} was paid toward this medical visit. Neither company has provided documentation explaining any remaining balance, how the amount being claimed was calculated, or whether insurance payments were properly applied prior to or after the transfer of the account. 

The continued attempts to collect a medical debt without providing validation, combined with the transfer of the account without proper documentation, appear to violate the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection regulations. 

I respectfully request that the Consumer Financial Protection Bureau investigate the conduct of XXXX XXXX XXXX and XXXX XXXX XXXX, require proper validation of the alleged debt, and ensure that all improper collection activity ceases. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NC

Complaint narrative:
Dear DISCOVER, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
AXCSSFN/CNGO is falsely reporting on my credit. I have never had any accounts with them. Per my research AXCSSFN/CNGO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
This complaint is against Venmo ( paypal ). I was recently sent {$600.00} to my phone number and created an account to claim this. My account was frozen instantly, I provided my drivers license, and no resolution. They are holding this {$600.00}, refuse to refund the sender as well. They are claiming I may have had XXXX accounts which violates TOS. Told them to close both and refund the money or let me pull it out, this was met with hang up calls. They claim they have emailed me about it, but have not. This is theft, and has created severe financial hardship/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 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: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
I had made purchases to online casinos thinking they were legit. But after {$4000.00} being fraudulently taken from me, rhe attorney general of tennessee had over XXXX of these sites to cease and desist bc they were operating illegally. Violating multiple consumer protection laws and with no state gaming dept to keep checks and balances. So they were flat out promising people a XXXX XXXX rtp. But it was a lie. Over {$4000.00} spent and not XXXX win. I informed Current my credit card service of this information and that the attorney general recommended that any victims contact their financial provide to initiate chargebacks to recover some of the money that was stolen. But despite irrefutable evidence of the deceptive fraud and the investigation results from the XXXX etc ... Current still refuses to help me get my money back. I filed a lengthy dispute and less than XXXX hours all disputes were denied. I appealed the decision and my appeal was denied before I hung the phone up. Thats not professional at all. Im being treated as if I were the crook. Im a customer who pays for their service. And I feel like Current credit card company is also committing fraud by deceptive means. The law requires them to do an investigating but they didnt. There is no way they could deny my claim after the chief law enforcement XXXX of the state of tennessee had instructed them to do so. I am appalled at the measures this company will go to not have to do their jobs. I need help and theyre turning a deaf ear bc I think theyre paid by the casinos to deny legitimate claims against them. Why else would they disregard the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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 made a {$250.00} payment to my Capital One credit card, which at the time had a system-generated payment hold. On Tuesday, XX/XX/year>, I contacted Capital One to inquire about when the hold would be released. During this call, I interacted with an agent whose tone I found to be condescending and unhelpful. Due to this experience, I requested to speak with a supervisor. 

The supervisor advised me that the payment would post at some point on XX/XX/year>, and explained that payments may occasionally be flagged by the system to ensure funds can be successfully drawn from the originating financial institution. I also informed the supervisor of the prior agents conduct, to which he responded that Capital One values positive customer experiences and would document my feedback. The call ended professionally. 

At approximately XXXXXXXX XXXX. XXXX on XX/XX/XXXX, I logged into the Capital One mobile app and discovered that my account was now marked as restricted. I immediately contacted Capital One, as I had been explicitly told that my available credit would update once the {$250.00} payment posted. During this call, I was informed that my account had been closed in error by the supervisor I previously spoke with and that the matter would need to be reviewed by another department, a process estimated to take XXXX business days. 

I questioned how my account could have been closed by a supervisor without my request or authorization. I then asked to speak with another supervisor for clarification. I was connected with a supervisor named XXXX, who explained that for an account to be closed, specific disclosures must be read and verbal consent must be obtained. I informed her that no such disclosures were read to me, nor did I provide any consent to close my account. XXXX stated she did not have further answers but would document the situation and forward it for internal review. 

Given that all calls are recorded, I have formally requested that Capital One review all relevant phone interactions. I am deeply concerned and alarmed that my account may have been closed without authorization and potentially in violation of required procedures or applicable law. I am currently awaiting further communication from Capital One as they investigate how this occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XXXX U.S. Bank XXXX locked my card alleging repeated incorrect CVV entry. I was making in-person purchases at a public library, which do not require CVV codes. No fraud occurred. 

The bank refused to immediately unlock my card and stated access would not be restored until the next day at noon. This lockout has prevented me from making a time-sensitive professional real estate licensing payment required today to maintain my license. 

This is a bank error that caused financial and professional harm. I am requesting immediate corrective action, documentation of the error, and assurance this will not recur.

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 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I was trying to change my payment method on my auto pay. It had to be canceled before o could change the payment method. I canceled the auto pay and trident doing a manual payment but it went through the same payment method. I use a 3rd party app to process payments and its not user friendly. 
They were closed and not available on the weekend so on Monday I spoke to someone on the chat option and she said there were no payments processing at all. I panicked not wanting a late payment and did another payment. Now all 3 payments are trying to clear my account. I called the customer service line and they told me they wouldn't do any refunds without a bank statement. I dont feel comfortable giving that to them as its personal. And they have 3 payments on their own website that processed that they can cancel payment on but are refusing to help. And my bank can only put in a dispute and it will take 7-10 days. In the meantime my bank account over drafted {$900.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Since XXXXXXXX XXXX XXXX Pentagon Fed is charging Insurance and fees for Insurance I already have. The Total amount has totaled over XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX thru XX/XX/XXXX I was charged {$250.00} per month, and thru XX/XX/XXXX and XX/XX/XXXX I am now being charged XXXX per month. 
My Total Principal and Interest payment is only XXXX per month. My HOA covers my XXXX XXXX XXXX which is included and always been current. 
I have called them several times explaining that information and provided that information on the renewal date of XXXX each with the current policy. 

I was never notified of these changes via mail or the coverage amounts, or how these numbers are determined. I provide my own Insurance for the property. 

Total to be refunded is {$3600.00} XXXX # XXXX. 
Mortgage Services 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 explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request to Midland Credit Management ( MCM ) via Certified Mail for an alleged {$2000.00} debt ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ). This was received on XX/XX/year>. Instead of providing the required validation, MCM sent a second demand notice on XX/XX/year>. I sent a second validation request on XX/XX/year>, reminding them that under 15 U.S.C. 1692g, they must pause collection activity until the debt is verified. MCM has failed to provide the requested itemized balance, original contract, or proof of their right to collect. Despite this lack of validation, MCM continues to report this unverified debt to the credit bureaus and threatens legal action. I recently disputed this with XXXX  ( Report # XXXX ), providing proof of my requests and their non-response, but the item was not removed. I request that MCM stop all collection activities and delete this unverified account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
They keep asking for the same info over and over and now they are saying it's inaccurate after accepting the same info over an over and asking for it and approving things they are trying to steal from an XXXX  why aren't you guys doing anything about this

Company response to consumer: Closed with explanation