vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Complaint Summary : Citizens Bank paid a check during an active stoppayment period, in violation of UCC XXXX, and has repeatedly denied my claim without addressing the legal compliance issue. 
Detailed Description : On XX/XX/XXXX, I placed a stoppayment order on Check No. XXXX in the amount of {$1200.00}, payable to XXXX XXXX XXXX, drawn on my Citizens Bank account ending in XXXX. The stoppayment order was valid for XXXX months. 
The check was first presented in late XX/XX/XXXX and was properly denied, confirming that Citizens had sufficient identifying information to block the item. However, the same check was presented again on XX/XX/XXXX, and Citizens paid the check, despite the stoppayment order still being active and within its validity period. 
I discovered the improper payment on XX/XX/XXXX, and immediately reported it to the XXXX, PA branch XXXX, who initiated a claim. I followed up again on XX/XX/XXXX, resulting in Customer Care Case XXXX. On XX/XX/XXXX, Citizens denied the claim again. 
Citizens has not provided any explanation for how the check was able to clear after being successfully blocked during the first presentment. The denials do not address the banks obligations under XXXX XXXX, which Pennsylvania has adopted. Under this statute, a bank must honor a valid stoppayment order and may be liable if it pays a check subject to such an order. 
My husband and I have been Citizens Bank customers since XXXX, and I have attempted to resolve this matter through multiple internal channels, including XXXX XXXX, without success. 
Requested XXXX : - Reimbursement of the {$1200.00} improperly paid. 
- A written explanation of how the check cleared despite an active stoppayment order. 
- Confirmation that Citizens will review its compliance procedures related to UCC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/year>, I sent a payment of {$460.00} through XXXX to an individual who represented himself as an XXXX. The payment was sent for a professional service specifically, a custom song that I was told would be delivered by XX/XX/year>. 

I am based in Georgia, and the XXXX is based in XXXX. After the payment was sent, the agreed-upon deadline passed and the service was never delivered. Communication from the XXXX became increasingly limited and unprofessional, with delayed and minimal responses, and ultimately no completion of the work. 

It later became clear that the XXXX account used to receive the funds did not belong to the XXXX I was communicating with, indicating the use of a third-party XXXX account XXXX The payment was sent under the belief that I was transacting with the XXXX directly and in good faith for a legitimate service. 

I opened a dispute on XX/XX/year>, once it was evident that the service would not be provided. Despite providing proof of the agreement, payment, missed deadlines, and non-delivery, Discover denied the dispute solely on the basis that the payment was sent using XXXX XXXX XXXX XXXX. 

I do not dispute that I authorized the payment. However, the authorization was given under false pretenses. The transaction was induced by misrepresentation, the service was never delivered, and the funds were sent to an account not owned by the individual who committed the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NH

Complaint narrative:
On XX/XX/XXXX someone who I thought was a good friend of mine use my direct express card at at atm and took XXXX bucks from all bc I left my wallet in his XXXX and my pin stupidly was written on the back of my card and I've been fighting this company for my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
On the date of XX/XX/year>, XXXX XXXX LendNation did a XXXX XXXX and withdrew {$690.00} from my account. I'm in debt consolidation with XXXX XXXX, and LendNation is enrolled. I contacted them, and said they do not care. I contacted XXXX, and they contacted company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Ive contacted the vendors/ carriers multiple times I was laid off during Covid 19 with an ill parent and was unable to maintain the bill I asked for extensions, ways to negotiate and now I see its on my credit when I tried numerous times to get bill resolved for 789 days I went without a job and could hardly pay bills

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Collection Management Holdings, LLC
State: MD

Complaint narrative:
I received numerous ringless voicemail messages from a debt collection company XXXX Credit Management Company XXXX ) over the last couple of months. I asked to be put on their DNC list. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had two cashapp accounts one for school deposits which was XXXX XXXX  the second one was XXXX XXXX  which I used for work deposits. On XX/XX/year> the account my work account was hacked and I was locked out of the account for 3 days there was a total of {$420.00} dollars that I had sent over to pay the borrow fee on the account. The same night that the account was hacked a direct deposit for {$210.00} was also sent to this account. On the fourth day my sister helped me get back into my account because Cash App support failed at doing so. By the time I got back into the account all of my money was sent to someone in a different state named XXXX. I submitted a dispute that was immediately denied. Later on in that same month on XX/XX/year> my cashapp account that was connected to my schooling was hacked and the money on the account in the amount of {$550.00} was stolen and sent through a bitcoin and withdraw through a bitcoin on my account immediately after the money was withdrawn the account was permanently closed out. I contacted support and submitted a new dispute and it was denied. I have not authorized anyone to my accounts and have not used bitcoin or international spending with either account I need reimbursement immediately XXXX the total amount stolen from me was {$1100.00} that cant just let slip away with Cash App facing repercussions for their lack of security and service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: GA

Complaint narrative:
Can not get a car I can not purchase the card I can not even use a touch-up card I can't get anything mailed from cash app for some reason y'all are not allowed me to get up at Cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 efficiency of 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 timely 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 mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: TN

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 efficiency of 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 timely 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 mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-02-03 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: TN

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 efficiency of 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 timely 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 mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland credit management INC is claiming that I hold a debt that I have no knowledge of from three years ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NPAS, Inc.
State: KS

Complaint narrative:
I want the name and address of my original creditor please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
Complaint against : Investment Retrievers Original creditor : XXXX I am filing this complaint because Investment Retrievers has failed to validate a debt they are reporting and attempting to collect. 

I sent written requests for debt validation on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. I have not received any proper debt validation or supporting documentation from them. 

I also disputed this account with XXXX, but instead of verifying the debt, the collection agency only changed dates and the balance amount on my credit report. This does not constitute validation. 

Additionally, Investment Retrievers has attempted to locate me by contacting my brother. I did not authorize them to communicate with my family members. This is a violation of my privacy and potentially a violation of the Fair Debt Collection Practices Act. 

They also attempted to locate me through XXXX XXXX XXXX. I only inquired about XXXX XXXX XXXX services in XXXX but never enrolled in any program. I never authorized Investment Retrievers to obtain or use my information through them.

I am requesting that Investment Retrievers : 1. Provide full written validation of this debt as required by law, OR 2. Remove this account from my credit report if they can not validate it 3. Cease contacting third parties regarding my personal debt I am maintaining records of all my requests and communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB MANAGEMENT is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT 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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Capital One Never Sent the periodic Date along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
CREDITACPT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDITACPT 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
M & M CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research M & M CREDIT 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 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
2024, XXXX, sent to collections. Never posted such vehicle from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/year>, I made a single debit card purchase with a merchant. The merchant initially processed the transaction for {$2500.00} in error and stated it would be reversed, then processed the correct amount of {$2700.00} for the same purchase. 

Both transactions posted to my account, resulting in XXXX charges for XXXX purchase. The {$2500.00} charge was never reversed. 

I contacted TD Bank to dispute the incorrect charge. The dispute was initially misclassified as fraud instead of an incorrect amount or duplicate processing error. My debit card was closed, and provisional credit was later reversed. 

I provided documentation, including a receipt showing the correct purchase amount of {$2700.00}. Despite this, the dispute was denied multiple times. 

TD Bank relies on mailed correspondence for dispute notices. I was unable to reliably receive mailed notices and was not informed of deadlines or given a meaningful opportunity to respond before final determinations were made. 

As a result, the incorrect {$2500.00} charge remains unresolved, my account balance became negative after the provisional credit was reversed, and TD Bank has initiated collection efforts while the dispute remains unresolved. 

I am requesting a proper review of the incorrect amount charge, correction of my account balance, and fair handling of this dispute.

Company response to consumer: Closed with explanation