vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
I maintained a personal checking account with Citibank for approximately four years as a non-US resident contractor. During that time, I received legitimate monthly wire transfers from a US company as payment for professional services. No transfer was ever disputed by the sender, and no fraud claims were made. On XX/XX/year>, Citibank closed my account alleging a violation of terms and conditions. I was verbally informed that my remaining balance of {$25000.00} had been transferred to an internal subledger account. I have not received any formal written explanation specifying the exact terms allegedly violated. I requested a written explanation of the contractual violation, confirmation of whether any investigation is affecting my funds, and a timeline for the release of my balance. Citibank has not provided any written documentation. It has now been over 60 days since the account closure. The funds have not been returned, and no wire transfer has been disputed by the sender. I am seeking regulatory assistance to obtain : Written clarification of the specific contractual violation. Confirmation whether any investigation is legally preventing the release of funds. Immediate release of uncontested funds.

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 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am formally disputing the accuracy of an alleged debt currently being reported by XXXX XXXX XXXX in the amount of {$300.00}, which allegedly originated from a Capital One credit card account. Please note that this account is being reported as closed, yet it continues to reflect a balance and collection status. My original credit limit on this account was {$300.00}. I do not understand how the balance increased to {$300.00} and have not received a detailed accounting showing how this amount was calculated, including any interest, late fees, or additional charges. I was not properly notified that my payments were late. I began receiving repeated phone calls ; however, when I answered, there was no one on the line and the calls would disconnect. Because of this, I reasonably believed these were spam calls. I did not receive clear communication explaining the alleged delinquency, nor did I receive written notice providing the required disclosures regarding the alleged debt. To date, I have not received proper written validation of this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I am requesting full debt validation. Specifically, please provide : * The name and address of the original creditor. * A complete itemization of the alleged balance, including principal, interest, late fees, and any other charges. * Copies of the original signed agreement or contract bearing my signature. * Documentation showing the chain of title and proof that XXXX XXXX XXXX has the legal authority to collect this alleged debt. * Proof that the statute of limitations has not expired. * Evidence that I was properly notified prior to the account being transferred or sold. Until this alleged debt is properly validated, you must cease all collection activities and reporting to any credit reporting agencies as required by federal law. If this debt can not be fully validated, I request that it be immediately removed from my credit report. I am requesting a thorough investigation of this matter and correction of any inaccurate reporting in accordance with the Fair Credit Reporting Act ( FCRA ). This letter serves as a formal notice of dispute and request for validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
I am reporting an illegal hold of {$1400.00} on my Cash App balance. On XX/XX/year> ], I attempted a XXXX rental that was declined/invalidated. XXXX has confirmed they have no record of a transaction and no intent to capture funds. However, Cash App is holding XXXX identical amounts of {$710.00} in 'Pending ' status. They refuse to release the funds or provide a Trace ID/ARN to the merchant. XXXX are telling me that cant find the transactions in their system at all. This is a duplicate processing error and an unreleased authorization. I am facing severe financial hardship and request an immediate manual reversal. This issue as persisted for about a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am filing this complaint against Barclays Bank. I have been a loyal customer for almost 7 years with a perfect on-time payment history. On XX/XX/year>, Barclays simultaneously reduced the limits on XXXX of my accounts from {$18000.00} to {$250.00} and {$6900.00} to {$250.00} respectively. This action was taken after I paid a {$99.00} annual fee for one of the accounts. A {$250.00} limit makes the travel benefits of this card effectively unusable, meaning I am being charged a premium fee for a product that is no longer functional. Furthermore, such a drastic reduction ( a 98 % decrease ) severely damages my debt-to-credit utilization ratio, which has a punitive effect on my overall credit score despite my years of reliability. I attempted to resolve this through their customer specialist team on XX/XX/year>, but was told nothing could be done. I am requesting that Barclays either restore a functional credit limit ( minimum {$10000.00} ) so I can use the services I am paying for, or provide a full refund of the annual fee and an explanation for why a 7-year history of perfect payments was disregarded.

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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc.
State: IL

Complaint narrative:
I am submitting a response to the companys statement provided in reply to my complaint. While the response states that I was informed the company does not pick up vehicles for repairs but does repossess delinquent vehicles, that is not consistent with the information that was communicated to me when I contacted Colonial Auto Finance regarding voluntarily surrendering the vehicle. During those communications, I was told that the company does not repossess vehicles and would not come collect the car. This statement directly affected my understanding of my options regarding the account. The companys response now confirms that they do in fact repossess vehicles if the account is delinquent. This contradicts the information that was previously provided to me and is one of the primary issues raised in my complaint. Additionally, the companys response does not address several other concerns that were raised. Specifically, it does not explain why a repossession agent appeared at a third-party address that is not listed on the loan agreement or associated with the financing documents. While the vehicle happened to be located at that address, it is not an address tied to the loan agreement. The response also does not address concerns regarding contact with third parties or provide clarification about their collection practices that led to the repossession agent appearing at that location. My complaint is not about whether the vehicle can legally be repossessed if the account is delinquent. The issue is that I was given inconsistent and misleading information about repossession policies when I attempted to voluntarily surrender the vehicle and resolve the matter in good faith. For resolution, I continue to request that the company accept voluntary surrender or repossession of the vehicle and consider the account satisfied in full with no deficiency balance pursued. I am also requesting that negative credit reporting related to this account be removed or updated to reflect the account as closed or resolved and that all further communication regarding this account occur in writing. I am asking the CFPB to review the conflicting information provided to me regarding repossession and the companys collection practices, as well as the unresolved concerns outlined in this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: LA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
Company Name : Credit Control , LLC Phone Number : XXXX ( XXXX ) XXXX Type of Debt : XXXX XXXX XXXX account ( fraudulent ) Complaint : Credit Control , LLC is contacting me about a XXXX XXXXXXXX account I never opened. This debt was previously sold to another collection agency and is now with them. I explicitly told them not to call and requested all verification be in writing, including proof I authorized this debt. Despite this, they contacted me again. They also had the wrong date of birth, proving they can not verify my identity. I am requesting immediate removal of this account from my credit report, investigation for potential FDCPA violations, and that all future communication be in writing only.

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 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding Credit Acceptance due to ongoing inaccurate reporting, improper fees, and predatory servicing practices that have caused significant financial harm to my family. Since XXXX XXXX XXXX, Credit Acceptance has repeatedly and incorrectly reported my payments as late. During that period, my husbandwho is a United States XXXX Veteranwas hospitalized at the VA for two months, resulting in a loss of income. I contacted Credit Acceptance, and I was informed that two late payments from XXXX would be deferred to the back of the loan. Instead, the company added interest and still reported those months as late to the credit bureaus. In XX/XX/XXXX, I entered into a strict, biweekly payment arrangement directly with Credit Acceptance for {$620.00} every two weeks. Despite honoring this arrangement and making every payment on time since XX/XX/XXXX, Credit Acceptance continued to report my payments as late, as if no payment had been made at all. This is inaccurate and misleading, especially considering the payment plan was established through their own company. Additionally, after each payment was made, Credit Acceptance still applied a {$30.00} late fee, even though the payments were made on or before the agreedupon dates. My husband and I are both United States XXXX Veterans with 100 % XXXX, and this inaccurate reporting has severely impacted our ability to qualify for a home loan. I have contacted Credit Acceptance numerous times seeking correction. Their dismissive response and unwillingness to address these issues have caused us significant distress. Furthermore, Credit Acceptance is reporting inconsistent account balances. Their system shows a remaining balance of {$4200.00} My credit report shows the correct balance of {$3900.00} These discrepancies, along with the inaccurate reporting of late payments, are financially damaging and do not reflect my actual payment history. I fully acknowledge that I had missed payments in the past ; however, since XX/XX/XXXX, I have not missed a single payment, which my transaction history clearly proves. I am requesting that Credit Acceptance update my payment history to accurately reflect the truth, remove improper late fees, and correct the balance information being reported. Thank you for your attention to this matter. I am simply asking for fair and accurate reporting as required under the Fair Credit Reporting Act.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAG - XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am filing a complaint regarding JPMorgan Chase Banks continued retention of {$5400.00} in funds from XXXX settlement checks that were deposited into my account and later withheld after the account was frozen and closed. In XX/XX/XXXX, I opened checking and savings accounts with JPMorgan Chase Bank after relocating from XXXX to XXXX. Around that time, I received XXXX settlement checks from my former employer related to a wage dispute : {$430.00} ( deposited via mobile deposit ) {$5000.00} ( deposited in person on XX/XX/XXXX ) The {$430.00} check initially cleared and the funds became available in my account. The {$5000.00} check was placed on hold until XX/XX/XXXX. On XX/XX/XXXX, my entire account was frozen due to a fraud alert. I was instructed to contact Chase. I was told they needed to verify the larger check using a phone number sourced from their public records. I later provided the issuers contact number obtained through my attorney, but Chase refused to use it, stating it did not match their internal records. Following the freeze : The previously cleared {$430.00} was reversed. My entire account was restricted. I made multiple attempts to resolve the issue through customer service and escalations. In XXXX XXXX, Chase permanently closed my account. I was able to retrieve my remaining personal funds in person, but neither of the settlement check amounts were released. A Chase escalations representative informed me that the funds from the {$5000.00} check had been collected from the issuing bank. Despite this, Chase continues to retain the funds. As of today : Total funds being withheld : {$5400.00} The account is closed. No written final determination has been provided. No timeline for release has been given. Chase refuses to release the funds or return the checks to the issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Failure to investigate disputes, false claim that I changed my story, mishandling of multiple separate disputes, and ignoring evidence Trustmark National Bank mishandled my disputes, failed to investigate them properly, combined two separate issues into one, and then falsely accused me of changing my story. I am refiling because the FDIC confirmed this is a CFPB matter. -- - 1. Trustmark failed to investigate my disputes. I filed multiple disputes, each involving different facts and different transactions. Trustmark did not investigate them correctly. They closed the disputes without reviewing the evidence I provided and without completing a proper Regulation E investigation. -- - 2. Trustmark falsely claimed that I changed my story. This statement is false. I did not change my story. I consistently explained the same facts from the beginning : One dispute involved merchant misconduct The other dispute involved unauthorized XXXX XXXX transactions These were two separate issues, not one. Trustmark combined them together, misunderstood the situation, and then blamed me for their own error. The only thing I did was clarify their misunderstanding not change my story. -- - 3. I confirmed with the Trustmark agent that she had all the information she needed. When the agent did not receive some of the attachments from my original emails, I emailed her again and asked : Do you have all the information you need? She replied yes. This proves : I did not change my story I did not withhold information I did not alter my explanation Trustmark had all evidence and still mishandled the investigation Their claim that I changed my story is inaccurate and misleading. -- - 4. Trustmark ignored the evidence I submitted. I provided : Screenshots Emails Video documentation Transaction details A clear timeline Trustmark did not review or acknowledge this evidence. -- - 5. Trustmark failed to follow Regulation E. Trustmark : Did not conduct a reasonable investigation Did not request additional information Did not provide documentation Did not provide a written explanation Did not separate the disputes Did not follow required timelines This violates 12 CFR 1005.11. -- - 6. Trustmarks mishandling caused financial harm. Because Trustmark failed to investigate properly : I was denied provisional credit I was blamed for changing my story My account was left in an incorrect status I had to file multiple complaints I experienced stress and confusion caused by their contradictory statements -- - 7. FDIC confirmed this is a CFPB matter. After Trustmark mishandled the disputes, I contacted the FDIC. The FDIC confirmed that this issue falls under CFPB jurisdiction and instructed me to refile with the CFPB.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I signed up for chase sapphire preferred in XX/XX/XXXX. When I logged on the chase reward, it said Im qualify for {$50.00} travel credit thru XX/XX/XXXX if booked thru chase travel. The apps also show $ XXXX {$50.00} were used and display a button hyperlink to chase travel. I booked thru chase travel in XX/XX/XXXX for hotel stay in XX/XX/XXXX. After my travel, I never got the credit. I called XXXX disputing that I didnt get credit and never got a consistent answer. Basically Im not qualify to get the credit for the XXXX stay that was charged in XX/XX/XXXX. Also if I dont get the {$50.00} credit then I should get XXXX points since I booked with chase travel. I only got XXXX points.

Company response to consumer: Closed with monetary relief