vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: ND

Complaint narrative:
I was served with a lawsuit by XX/XX/XXXX ( representing XXXX XXXX XXXX ) for a debt of {$790.00} on XX/XX/XXXX, XX/XX/XXXX days after it was dated, XX/XX/XXXX. I accepted their settlement offer of {$600.00} and attempted to pay through their online payment portal on XX/XX/XXXX. The payment portal showed " processing '' but never charged my account. I never received confirmation either. I called for confirmation on XX/XX/XXXX and was told they just got notified that day that the bank rejected my payment, though they never told me that. I asked to see the notifications of this and they refused to show proof. When I called my bank, they confirmed there was NO attempted transaction - nothing pending, nothing declined, nothing blocked. I have contacted XXXX XXXX multiple times ( phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and emails to XXXX on XX/XX/XXXX & XX/XX/XXXX attempting to complete this payment. They claim my bank blocked the payment, which my bank confirms is false. They have not provided a working payment method despite my repeated requests. I have a court deadline of XX/XX/XXXX, and believe they are deliberately making it impossible for me to pay the settlement so they can obtain a default judgment and collect more money through legal fees. I am ready and willing to pay the agreed-upon {$600.00} settlement immediately, but they will not accept my payment through any normal method.

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 2026-02-19 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: Chime Financial Inc
State: MA

Complaint narrative:
Issues with dispute was not awarded my dispute. Even though providing proper documentation Is that the business was committing fraudulent activity

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to formally document and lodge a complaint regarding my credit card account and recent customer service experience. Despite my compliance with Capital One 's rigorous verification process, I did not receive a satisfactory response. I was informed by their representative XXXX via a recorded call on XX/XX/XXXX at approximatelyXX/XX/XXXX EST ; that in order to remove a restriction they placed, I would need to verify ownership of an external checking account that was removed from my profile and that has been closed for several years. During the call, I explained to the representative that the account was no longer active. AXX/XX/XXXXway call with XXXX XXXX confirmed that the account was too old for them to access. Despite this, I was advised that I would need to visit the XXXX XXXX branch in person to obtain verification. This requirement places an unreasonable burden on the customer to obtain documentation for an account that no longer exists and was removed from my payment options. When verification depends on information that is no longer accessible, there should be alternative methods available. I value appropriate fraud protections ; however, this situation reflects a gap in process design and customer experience. Customers should not be required to pursue in-person verification for closed third party accounts to restore access to their Capital One account. The representative told me that unless I was willing to go into a branch the restriction would remain. Also, I went to the Capital One 's websiteXX/XX/XXXX XXXX where it is visible that the number to call to lodge a complaint is XXXX. I called and the rep " XXXX '' on this recorded line XX/XX/XXXX XXXXXX/XX/XXXX EST said they do not have a complaint department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
All together I had 34 unauthorized charges in XXXX that were denied by Cash App when a couple of weeks ago the charges from the same vendor were approved and credited back to my account! This is making absolutely no sense to me and they closed my account as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i was scammed from a XXXX listing that was advertising a home for rent in XXXX XXXX, ca. i was communicating with the homeowner via imessage and i paid them the application fee and the deposit. they told me to use XXXX to send the money but under the family and friends option which i found out later that its not protected if it is a scam. i have reached out to XXXX and my bank and they dont want to help but i do have evidence to help support this.

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I owed XXXX with PayPal around 5 years ago and since then I have been locked out of my account due to fraud. I worked with their investigations team and made sure they had everything they needed and was told everything was good and they had everything they needed. My account was still closed and I was refused any documentation or statements to see what stock or crypto I had. Now, being 5 years later I get notifications that my crypto was sold. The crypt market is down and this really frustrated me. I called and again they will not provide any information or statements and just say a XXXX will call me back. No, after speaking with XXXX managers who all said they will escalate this and get back to me nobody has called me back. When they say a XXXX will call me back nobody does anymore. I have scheduled callbacks with them and nobody calls at the specific time. Ive read online that if you were underage initially when your account was created they will just close your account. I am XXXX now but started the account when I was XXXX so not sure if that has anything to do with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NE

Complaint narrative:
My sons girlfriends XXXX told me about this investment company and said he was able to withdraw funds out and it was legit before I invested ... We kept investing a little at a time via CashApp wallet transfer, and XXXX XXXX funds for 6 months while your XXXX is supposedly compounding interest and so we had to wait until 6 months from first investment which would be XX/XX/year>XXXX XXXX went to withdraw funds and they claimed we had to pay a XXXX regulatory fee before releasing my funds so my hubby and I did XXXX XXXX XXXX XXXX XXXX XXXXXXXX and asking ... he said his was much higher but didnt say NOT TO PAY IT ... so we paid the fee because we desperately needed ouXXXX XXXX XXXXack ... now they say we need to deposit XXXX XXXX some more and fill out a XXXX XXXX to get our XXXX And XXXX not falling for more!!!!! I did XXXX and another person did report similar and theyre only out a couple XXXX I reached out to Cash App as soon as I realized I was being scammed and gave them the wallet address info and they told me to contact my bank immediately for a dispute and I the bank did reverse XXXX XXXX XXXX of the deposits, but now my cashapp is sitting that much negative because those funds were transferred to an external wallet that ended up being fraud. They said they dont protect from fraud I've submitted complaints to my Attorney General, FTC XXXX SEC XXXX Local Sheriff The report number for the fraud is : XXXX Let me know if you have any other questions! Thank you! XXXX XXXX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I lost my home in the LA Fires in XXXX of XXXX. I have requested credit card statements From Comenity Capital Bank since they handle XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I need this information for Insurance purposes and Tax purposes. I called Comenity on XXXX and the customer service rep told me it would take XXXX business days. I called again on XX/XX/XXXX and spoke with XXXX and XXXX and XXXX said that I will need to send a letter to Comenity requesting this information. I sent a certified letter to Comenity on XX/XX/XXXX ( see attached ). I called again on XX/XX/XXXX and XXXX with XXXX and they never received the letter. She said she will take it upon herself to get me these statements. I have not heard back from her or anyone from Comenity. I need these statements being that this is tax season and the insurance company is requesting this information. I have done due diligence in trying to get this information but to no avail. I need credit card statements for the last XXXX years from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent a certified XXXX to Comenity Capital Bank XXXXXXXX XXXX XXXX XXXXXXXX Oh, XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: GREENSKY OPERATIONS, LLC
State: MN

Complaint narrative:
I signed an agreement with XXXX XXXX to remodel my bathroom. In order to receive 18 months in interest free financing they had me sign up with Greensky to bridge the amount that would be due after writing XXXX a check. At that time, I wrote them a check for a large sum of money and received a " loan '' from Greensky for the remaining balance of the what was due. XXXX then took {$3700.00} from that account with Greensky and days later went out of business and I have received no service, or remodel work from XXXX. Now, Greensky continues to send me emails about the {$3700.00} that they think I owe. I have informed Greensky that XXXX took their money, I have received no service at all for that money and that they need to go after XXXX for the {$3700.00}. I still continue to be contacted about this. I feel that this should fall under the XXXX XXXX and because of this should not be held liable for the money that XXXX took.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: CT

Complaint narrative:
On XX/XX/year> I booked a car rental under XXXX for a Trip I was taking in XX/XX/year>. The confirmation email sent to me from XXXX stated I owed {$280.00} at the time of pick up for the car. There was no information about additional fees that I could be charged for moving forward after picking up the car. I checked my account for XXXX with the previous transaction and the booking voucher and no where does it state anything about additional fees. I was then charged {$470.00} after my trip was completed and felt that I was overcharged for the vehicle, so I disputed the amount over the {$280.00} that was due through my credit card company. They resolved the charge for me and sent me back {$180.00}. XXXX now being contacted incessantly by a debt collector stating I owed {$180.00} and its due to insurance that was added to the car at the time of rental. I contact thrifty directly and they stated the same despite my documentation proving on my end theres no documents I was sent to prove I needed to pay additional to the {$280.00} that was owed. They sent me a XXXX showing a damage waiver I signed at the time of pickup that I do not recognize, as it was almost a year ago this happened. In addition, a damage waiver is a refundable amount given if there is no damage to the car, and there was none from the trip. Even if they had the option to say there was damage, there was no documentation provided stating they found damage to the car. Ultimately I find this charge incorrect and that I fulfilled my end with paying the amount that was stated to be owed for renting the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I entered into a signed court stipulation for settlement in XX/XX/year> and have made XXXX timely payments. Despite my compliance, Midland Credit Management failed to file the stipulation with the court, causing the lawsuit to proceed as if no settlement existed and requiring me to appear in court unnecessarily. Midland is continuing to treat the debt as unresolved despite the existence of a binding settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Rocket mortgage/ XXXX has the wrong security deed attached to my mortgage. The deed they have attached is wrong since XXXX refinance. The deed they have has XXXX acers tied to my mortgage. Not only do I not own XXXX acers the home is only on XXXX acers. This in turn is slandering multiple XXXX parties properties and haulting construction on a new home. This is a legal matter that needs to be handled promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX XX/XX/XXXX Credit control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mo XXXX To Whom It May Concern, I am writing regarding the above-referenced account, which you claim was purchased from another company. I formally dispute this alleged debt in its entirety. Credit Control , LLC is not the original creditor, nor are you a party to any contract I may or may not have had with the original company. Therefore, I am requesting full validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). In Please provide the following : The name and address of the original creditor. A complete accounting of the alleged debt, including principal, interest, fees, and any other charges. A copy of the original signed contract or agreement bearing my signature. A complete chain of assignment showing that Credit Control , LLC has legal standing to collect this debt. Documentation proving that you have the legal right to collect in my state. Additionally, if you have reported this account to any credit reporting agency without providing proper validation and proof of lawful assignment, this may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ), including misuse of my personal information and inaccurate reporting. Until you provide proper validation, you must cease all collection activity, including telephone calls and credit reporting. If you are unable to provide the requested documentation, you are required to delete any credit reporting related to this account and cease further contact. I request that all future communications regarding this matter be in writing only. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XX/XX/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 2026-02-19 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: AL

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 2026-02-19 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian XXXX XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XXXX I amresponding to your recent response dated XX/XX/XXXX. I determine you have not yetaddressed my concerns, and you did not provide any new information that would resolve my issue.Included in my previous emaildated XX/XX/XXXX. Iunderstand you do not agree that you made a mistake, you not take responsibility of your act, you con your customers just to make them open an account, so you could earn your commissions. I respectfully decline your response and I need someone for whom customer is a priority to check on my complaint and provide a resolution.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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