vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing this complaint because PORTFOLIO RECOV ASSOC Original Creditor : XXXX XXXX BANK XXXX. Account Number : XXXX is reporting a collection account on my credit report without proper authorization or validation. This account should never have been furnished because PORTFOLIO RECOV ASSOC has failed to provide any signed contract, itemized statement of the debt, or proof of collection authority. Adding this account to my consumer report without proper validation violates XXXX CFR XXXX ( b ) ( XXXX ) and XXXX CFR XXXX ( c ) ( XXXX ) ( i ) under Regulation XXXX, as I was never given a meaningful opportunity to review or dispute the alleged debt. Additionally, reporting this unverifiable collection violates XXXX U.S.C. XXXX ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of all reported information, and XXXX U.S.C. XXXX, as there is no permissible purpose to furnish a collection account without valid documentation. The inclusion of this unauthorized collection has caused serious harm to my credit score, limited my ability to access financial opportunities, and resulted in unnecessary stress and financial setbacks. I am extremely frustrated by this ongoing issue. I want to ensure that this issue is fully addressed. I demand that PORTFOLIO RECOV ASSOC immediately remove this unauthorized account from my credit report and guarantee that it will not appear again. The failure to properly validate and investigate this collection is a clear violation of negligence noncompliance under XXXX U.S.C. XXXX and XXXX U.S.C. XXXX. I have already escalated this issue to the Federal Trade Commission ( FTC ), and I am now asking for the Consumer Financial Protection Bureau ( CFPB ) to help resolve this matter. I expect that you ensure this account is deleted from my credit report and that PORTFOLIO RECOV ASSOC is held accountable for their failure to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My bank processed the payment on XX/XX/year>, the charged card company processed the payment on XX/XX/year> and the payment due date was XX/XX/year>. called in the charged card company on XX/XX/year> to solve the problem. The charge card company told me to provide the documents and they will take care of the problem. The requested documents by the charge card company are attached for exhibition. Also, it was mailed to them on XX/XX/year> and drop-off at the XXXX, NJ post office drop-off mail box at XXXX P.M.. Still the charge remains in my account afteXXXX XXXX months XXXX, XXXX, XXXX.. Please refer to attachments for detail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Block, Inc.
State: MO

Complaint narrative:
I opened an account with the payment processor XXXX. The very first payment I took for {$2100.00} after fees resulted in them closing my account and holding my funds XXXX for XXXX days. The funds were supposed to be released today, and they have not released them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am disputing how an account from Caine & Weiner is being reported on my credit report. Collection Agency / Furnisher : Caine & Weiner Original Creditor :XX/XX/XXXX Account Number : XXXX This account is being reported in a misleading and inconsistent way. It appears to have been reclassified and reported as a charge-off/collection without proper validation or complete reporting. Under 15 USC XXXX ( a ) ( XXXX ) ( A ), furnishers are required to report information that is accurate and not misleading. Reclassifying an account without proper documentation or reporting clarity is misleading and violates this requirement. Additionally, under FCRA XXXX ( b ), credit reporting agencies must ensure maximum possible accuracy. This account does not meet that standard. This account shows : No complete payment history No clear breakdown of the balance No documentation supporting how the account was classified This raises serious concerns that this account is being reported in a deceptive and manipulated way. Further, under XXXX XXXX XXXX (XX/XX/XXXX ) ( XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) ( XXXX ) (XX/XX/XXXX), and XXXX XXXX XXXX ( d ), debt collectors are required to provide clear validation information and proper disclosures. This has not been done. This has directly affected me. I have been denied credit and funding, and this has caused stress and is affecting my health. I am requesting : A full investigation into how this account is being reported Complete documentation supporting the classification and balance Or immediate deletion if it can not be properly verified and reported accurately If this matter is not resolved, I am prepared to pursue further action for violations of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was purchasing a camera and the seller asked me to Zelle them and I did. They said they will have my product shipped out and they never did. They sent me a Zelle dispute of my money and thats why Im mad and confused. I contacted Zelle and XXXX XXXX XXXX and my bank denied my request twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) RE : FORMAL COMPLAINT INACCURATE CREDIT REPORTING & FAILURE TO INVESTIGATE Creditor : Barclays Bank Delaware XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX Dispute Code : XXXX Late Payment Removal / Payment History Accuracy To Whom It May Concern, I am submitting this formal complaint against Barclays Bank Delaware for inaccurate credit reporting and failure to properly investigate a disputed account in violation of the Fair Credit Reporting Act ( FCRA ). I disputed a reported late payment for XX/XX/XXXX on the above-referenced account. Despite my formal request, Barclays has failed to provide adequate verification or documentation to support the accuracy of this reported delinquency. Under FCRA 15 U.S.C. 1681s-2 ( b ), Barclays is required to conduct a reasonable investigation and ensure that all reported information is accurate, complete, and verifiable. To date, they have not provided : Full account payment history in compliance with Metro 2 standards Documentation validating the alleged late payment Proof of proper notification of delinquency Evidence of a reasonable investigation This failure constitutes potential violations of : FCRA 1681s-2 ( b ) Duty to investigate disputes FCRA 1681e ( b ) Requirement to report with maximum possible accuracy FCRA 1681i ( a ) Failure to properly reinvestigate disputed information I have made multiple good-faith attempts to resolve this matter directly with Barclays, including submitting prior dispute and escalation notices. However, they have continued to report this late payment without proper verification. As a result, I am requesting the following resolution : Immediate deletion of the XX/XX/XXXX late payment from all credit reporting agencies Written confirmation that the account has been corrected Assurance of full compliance with FCRA reporting requirements moving forward This inaccurate reporting is negatively impacting my creditworthiness and financial standing, and I am requesting prompt intervention to resolve this matter. Thank you for your time and assistance in this matter. Sincerely, XXXX XXXX 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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is not me some stole my identity when I lost my wallet and birth certificate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TN

Complaint narrative:
I have a checking account with Chime. Ive had it for over XXXX years. Its never went into the negatives its designed to not go into the negatives on XX/XX/XXXX. They forced for transactions of {$130.00} each within XXXX minute through my checking account to make it go {$540.00} into the negative I filed a dispute. I had a photograph of the transaction saying negative the amount of money on each transaction they said it would take till XXXX to complete the dispute. XXXX days later the dispute was complete and those transactions looked a little different. They did not say - {$130.00}. The negative mark on all XXXX transactions was gone and underneath the amount was the word denied. I have a photograph that I uploaded to their dispute. I still have the photograph that shows the XXXX transactions that happened within XXXX minute on XXXX XXXX and then on XXXX XXXX, the XXXX transactions look mighty different on their closed dispute account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: AL

Complaint narrative:
The Merchant, XXXX, sent me a counterfeit fragrance on XX/XX/XXXX. I was misled into believing I had purchased the XXXX XXXX gift set because that is what was pictured. XXXX not only sent me a different fragrance, but it also was not authentic. They have constantly insisted that I I break the law by mailing back a fake fragrance, even after I informed XXXX that this is against law. I also gave them a copy of email correspondence from XX/XX/XXXX confirming that the fragrance mailed to me are fake and XXXX is not an authorized vendor or distributor for XXXX. XXXX has refused to refund me and are giving me the run around so I contacted my bank, Capital 1 and they have refused to rule a chargeback back on this purchase because I refuse to break the law by mailing an counterfeit item through the mail. I have given XXXX and Capital One proof that the item is counterfeit. Capital One and XXXX are both insisting that I break the law in doing so. The last correspondence I had was a denial in favor of me from Capital One on XX/XX/XXXX please help me get some resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: GA

Complaint narrative:
On XX/XX/year>, I reported unauthorized electronic fund transfers totaling {$11000.00} after my mobile device was stolen. The funds were transferred to a debit card that I do not own. Cash App conducted an investigation and determined that my account was compromised, confirming unauthorized access. Despite this, they denied reimbursement and closed the case. More than XXXX business days passed before their investigation was completed, and no provisional credit was issued as required under 12 CFR 1005.11 ( c ) ( 2 ). I requested documentation and evidence supporting their determination, including proof that the transactions were authorized. Cash App did not provide any documentation or supporting evidence. Their response consisted only of general statements, without explaining how liability was determined. They also failed to meet their obligations under 12 CFR 1005.11 ( d ). I am requesting that Cash App reopen the investigation, provide all documentation relied upon, and reimburse the unauthorized transfers totaling {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I am filing this complaint against Google LLC regarding the unauthorized freezing of my Google Play balance in the amount of {$44.00}. These funds consist of prepaid gift cards and represent a liquidated cash value held by Google on my behalf. On XX/XX/year>, I discovered that my balance was frozen and I was unable to use these funds for purchases within the Google Play Store or associated games. Despite my balance being fully funded, Google has restricted my access to these assets without providing a specific, verifiable reason or a clear path to resolution. Steps Taken to Resolve : I contacted Google Play Support on XX/XX/year> Case ID : [ XXXX ] [ XXXX ]. Then I contacted Google Play Support again on XX/XX/year> when the issue was still not resolved as stated in the case [ XXXX ... ] with case [ XXXX ] to where they said inconsistencies within my account and directed me to their Terms of Service // Fixing problems with gift card codes FAQ. The terms of service I was directed to for the gift cards stated under clause 3. " Any refunded Google Play amounts, if applicable, will be credited back to your Google Play balance for future use under the same terms, unless required by law. '' I submitted all requested information to Google Support regarding an optional refund from XXXX XXXX and how these credits returned to my play balance. As I had spent in the game XXXX XXXX XXXX using both play credits and my own debit card. Google Support has denied every single appeal/case made for " inconsistencies '' with my account but when asked what they were and how to resolve them, they say they can not explain in detail and give a vague response then deny/stop responding. Other case attempts for the same issue [ XXXX ] [ XXXX ] [ XXXX ] all with the same vague " inconsistencies that we can not explain in any more detail to protect customers from fraud '' I have made multiple attempts to resolve this through Google 's official channels, despite these repeated efforts, my funds remain inaccessible. Deceptive Practice : Google continues to hold my funds indefinitely while providing only automated or vague responses. This lack of transparency and refusal to release my prepaid balance constitutes an unfair business practice. I have attempted to resolve this through Googles internal channels to no avail. Note that XXXX has been active in antitrust actions against Google regarding Play Store practices ; XXXX XXXX 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 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
Company : Greensky I am filing a complaint regarding a solar panel financing account that I am disputing due to lack of contract documentation, ongoing billing without service support, and potential material misrepresentation at the time of sale. I purchased a solar panel system for approximately {$18000.00}. I was never provided with a signed contract or any documentation outlining the terms of the agreement, despite requesting it. The original solar company involved in the installation is now out of business, leaving me without access to customer service, warranty, or system support. Despite this, I continue to be billed monthly for the financing. In addition, I continue to incur electricity charges of approximately {$100.00} per month, a solar payment of approximately {$130.00} per month, and approximately {$2000.00} annually in overage charges. At the time of sale, I was explicitly told that the solar system would eliminate my electric bill. This representation was a key factor in my decision to proceed. The actual financial outcome has been significantly different, raising concerns of material misrepresentation. I have formally requested validation of this debt, including a signed contract and proof of the companys authority to collect, but have not been provided with sufficient documentation. I am requesting : Full validation of the alleged debt A copy of the signed contract Suspension of billing until validation is provided Review of the account for potential misrepresentation and unfair billing practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Formal Complaint Inaccurate Information / Unfair Credit Decision To Whom It May Concern, I am submitting this formal complaint against Mercedes-Benz Financial Services regarding repeated application denials accompanied by the message customer not acceptable, without a clear or sufficient explanation. I believe that my consumer file associated with my Social Security number may contain inaccurate, incomplete, or improperly verified information that is negatively affecting my ability to obtain financing. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws, I am requesting the following : 1. A full disclosure of all information used in evaluating my applications, including any internal records, third-party data, or risk flags associated with my identity. 2. A detailed explanation of the specific reasons for denial, beyond generic or automated responses. 3. An immediate investigation into any inaccurate, outdated, or unverifiable information associated with my file. 4. Correction or removal of any information that can not be properly verified. 5. Confirmation as to whether my file has been flagged for fraud, identity concerns, or internal restrictions, and if so, the basis for such designation. I have reason to believe that there may be fraudulent activity or reporting errors impacting my profile. If such information exists, I formally request that it be blocked, corrected, or removed in accordance with federal law. Please note that failure to properly investigate and correct inaccurate information may constitute a violation of my rights under the FCRA and other applicable regulations. I request a written response within the timeframe required by law, including documentation of your investigation and any actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Someone fraudulently purchased something with my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Hello to whom it may concern I was going to get a new car and notice some things on my credit report that are not my debts can you please remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I called in Wells Fargo and was told the online payment I made for my credit card would be refunded in couple hours, which was not happened. I called in later the same week, was told the bank could credit me back sooner if I have a Wells Fargo checking account. As a result I provided my Wells checking account #. Still nothing happened and I called in the XXXX time, was told the bank issued me a check of the overpaid balance, which I have never asked for. On XX/XX/year>, it showed on my XXXX transaction that the overpaid balance has been refunded however I either received a check nor my Wells checking received anything. The {$3000.00} was missing.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: AL

Complaint narrative:
" I am filing this complaint against Current Bank and its partner bank, XXXX XXXX XXXX, for a violation of Regulation XXXX ( Electronic Fund Transfer Act ). On XX/XX/year>, an unauthorized fraudulent charge of {$62.00} was made on my account via XXXX. I reported this immediately. I have since provided Current Bank with written confirmation from the merchant ( XXXX Case # XXXX ) stating that the transaction was indeed fraudulent. Despite having proof from the merchant and the XXXX window for provisional credit having passed, the bank is refusing to refund my money or provide provisional credit, claiming an 'appeal ' is required. Federal law under Regulation XXXX requires the bank to credit the account while investigating if they can not resolve it within XXXX days. I am requesting an immediate refund of {$62.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This is not my account I have never had an account with midland credit

Company response to consumer: Closed with explanation