vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management has failed to provide any documentation validating this alleged debt despite multiple requests. I also never received the required initial written notice of the debt before this account was placed on my credit report. Under the Fair Debt Collection Practices Act, a debt collector must provide written notice of the debt and the consumers rights within five days of the initial communication. Instead, Midland continues to report this account as a charge-off without providing proper validation. I requested documentation including the name and address of the original creditor, a complete itemized accounting of the balance, proof that I am legally responsible for the debt, a copy of the original contract or agreement, documentation showing the chain of assignment transferring the debt to Midland, the date of first delinquency, and documentation verifying the balance is accurate and legally collectible. None of this information has been provided. I have also filed complaints with the Federal Trade Commission and my State Attorney General regarding Midlands failure to properly validate this alleged debt and their continued reporting of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> someone went into a Citibank XXXX in XXXX NY and used a fake identification to withdraw {$9200.00} from my savings account. Citibank did not take the proper or necessary actions to protect my account from the theft. The following day they contacted my daughter, XXXX XXXX, who is on the account with me asking if she had withdrawn the funds the previous days which she did not & did not know nor did she authorize this person to withdraw funds from the account. A few minutes after that the same person went into the branch again and attempted to withdraw additional funds illegally from the account at which time the teller alerted the police who arrived and called me to the branch to let them know that was not my daughter & that the woman presenting the fake identification was unknown to us and they arrested her on the spot. We filed an order of protection as well as Identity theft documents with the government and filled out the requested documentation. We called several times and were told they did not receive the documents even though it was done in a branch and the documents we were told were scanned in and sent to fraud dept. We have since resent the documents overnight, faxed them, as well as emailing them. It was confirmed that the documents now were received on Friday XXXX We were told at that time that the provisional credit would be put back into my account by Monday XXXX. I have since called several times and now have been told the money will go in after the investigation which can take 30- 60 more days. It was Citibank that failed to protect my account from the illegal withdrawal of the funds from my account and they continue to hold my money with no additional information or documentation of 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 monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
I go to use my card which was working fine and was unable to do a transaction I called XXXX XXXX and find out why and was told they locked my card due to suspicious transactions. Come to find out 3 days ago that I would be receiving a new card in the mail that was issued on the XXXX of XXXX which I had no notification no knowledge of my card locked or a new card coming in the mail. If I would have been notified I would have time to notify all of my automatic payments for my bills to inform them that I would be receiving a new card in the mail and I would get the new number to them as soon as I received it. XXXX XXXXs did not inform me send me no notification nothing so now all of my bills were declined that was set on automatic payment I've had to contact each XXXX of them to inform them of new card number. My car insurance was almost terminated my phone was shut off and my life insurance both were being canceled due to decline payments. I've had nothing but problems for the past couple years with XXXX XXXX which I get my widow benefits on not to mention money that was used off my card that was not me that they said or accountable by me which they were I was on the phone with them as money was taken off my card at the same time and they still said it was valid transactions so I was out over {$200.00}. When I contacted XXXX XXXX yesterday all I was told was they apologize for any inconvenience which like I told them an apology doesn't pay my bills or make me delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 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: NC

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-07 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: Continental Finance Company, LLC
State: NC

Complaint narrative:
I talked to their fraud department on XX/XX/year>. They told me they would investigate and it could take up to 2 months. I was totally fine with that as I am positive if they check where the charges came from it would not be my phone or my ip address or my physical address. I told them please investigate since I have none of these places Available to me. I am a senior citizen with a handicap at home. And I did not ever order or authorize any of these charges. Today I get a email letter which has only been 6 days since we spoke and it says they have finished their investigation and found no errors and I have to pay them. This is not true and its a crime!! They then told me I would need to contact the Gov Id theft and file a claim which I did and sent to them a copy today. But they are trying to charge me with these fraudulent charges.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently opened a capital one spark business card and was given a paltry credit limit of {$2000.00}. The card has a {$1000.00} signup bonus if {$10000.00} in spend is achieved within 90 days. However, there is absolutely no way I can reach this spend given this credit limit and was the primary reason I applied for the card. It is completely unfair that Capital One is not allowing me to either - transfer credit limit from my capital one venture x - not allowing credit limit increase Had I been presented with a {$2000.00} credit limit I would not have proceeded with signing up for the account. But the problem is that you do the application and if your approved the account is already opened, without you being able to see what the credit limit is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Demand Dear Sir/Madam, I am writing to formally demand that you cease and desist all collection efforts, communication, and any further actions regarding the following accounts : 1. XXXX XXXX - Account Opening Date : XX/XX/XXXX - Balance Amount : {$3400.00} - Account Number Ending : XXXX XXXX. LVNV Funding - Account Opening Date : XX/XX/XXXX - Balance Amount : {$640.00} - Account Number Ending : XXXX These accounts do not belong to me, and any further attempt to collect or report these debts is a violation of my rights. I demand that you immediately stop all communication and reporting regarding these accounts. Be advised that if you do not comply with this demand within 10 business days, I will seek all legal remedies available, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This that was paid in XXXX a check was mailed in the amount of {$6400.00} as well as a separate check for {$0.00} because Wells Fargo requested it be paid in full. My name and address were on the return envelope and Wells Fargo was somehow unable to match up my name and the amount owed to my account and cash the check and never applied it to the balance. I have contacted them several times they requested proof via fax that these checks were cashed which was sent to them and I still have heard nothing back for them posting to the account. This has been affecting my credit since XXXX and I requested that they fix the payment and go back and report to the bureaus that it was paid in XXXX so that it may reflect my credit score no one is doing anything and I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: AZ

Complaint narrative:
Violation of Consumer Rights ( UDAAP & FCRA ) and Unfair Lockout I am filing this complaint because REVVI has engaged in unfair and deceptive practices that have caused severe injury to my credit score. The XXXX : In XX/XX/year>, I updated my physical address via the official mobile app. The bank then locked my account and demanded that I verify the change by responding to mail sent to my PREVIOUS addressan address I no longer had legal access to. This created a " Catch-22 '' that physically and legally prevented me from managing my account or viewing statements. Misleading Service : I attempted to resolve this via phone multiple times. I was misled by customer service representatives who, due to a severe language barrier, could not provide a legal path to account access or address the lockout. Inaccurate Reporting ( FCRA Violation ) : The bank closed my account in XX/XX/year>. Despite the account being closed and my access being blocked by their own internal protocols, they reported me as 60 days late for XXXX and XX/XX/year>. I have since paid {$160.00}. However, the late marks for XXXX and XXXX are inaccurate as the delinquency was manufactured by the banks refusal to accept a digital address update and subsequent account lockout. My account history shows I was NEVER late up until I updated the address and the account was " closed '' which I also never knew was true because they never sent me mail to the address I moved to. Very unfair, unprofessional and illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a hard inquiry from Santander Consumer USA dated XX/XX/year>. This inquiry is unauthorized and violates federal law for the following reasons : Lack of Permissible Purpose : I did not authorize the dealership to share my information with Santander or provide consent for a credit pull. Notification Violation ( ECOA/Regulation B ) : Santander did not send an adverse action notice until XX/XX/XXXX, XXXX 60 days after the inquiry. This exceeds the 30-day legal limit required under Regulation B ( 12 CFR 1002.9 ). Inaccurate Information : Their letter claims they accessed my XXXX report, yet the inquiry appears on my Equifax file. Because this inquiry was unauthorized and the lender failed to comply with federal notification timelines, I request that you remove it from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint against Citibank regarding a biling error and a failure to honor a hardship agreement. On XX/XX/year>, I was palced on a hardship postponement plan. I expressed specific concerns about interest and late fees, but the representatives reassured me that interest would be waived/adjusted and there would be no late fee and instructed to call back on XX/XX/XXXX to have that processed after making the statement balance payment. On XX/XX/XXXX, I called to pay my statement balance in full and confirm the promised interest reversal. However, the representative instructed me not to pay yet and that I needed to wait until my next due date, XX/XX/XXXX for the system to allow the reversal to be processed correctly. I followed those instructions exactly. On XX/XX/XXXX, I called back, the initial interest was reversed, and I immediately paid my entire statement balance in full. The hardship department reassured me there would be no further interest charges as long as I made that payment. Citibank is now charging me " residual interest '' and are refusing to waive it, claiming they 'already waived " one charge. My argument is that this new charge only exists because Citibank 's staff explicitly told me to hold off on making the payment on XX/XX/XXXX and this delay allowed interest to accrue into a new cycle but I made the payments on my due date ( XX/XX/XXXX ). I have spoken with Customer Service Supervisors, the Collections Team, and the Financial Hardship Department. Despite their initial reassurances that that would be taken cared of, they are now refusing to honor the spirit of the hardship agreement and are penalizing me for following their own mandated timeline.

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 monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: AZ

Complaint narrative:
Violation of Consumer Rights ( UDAAP & FCRA ) and Unfair Lockout I am filing this complaint because Total Visa has engaged in unfair and deceptive practices that have caused severe injury to my credit score. The XXXX : In XX/XX/year>, I updated my physical address via the official mobile app. The bank then locked my account and demanded that I verify the change by responding to mail sent to my PREVIOUS addressan address I no longer had legal access to. This created a " Catch-22 '' that physically and legally prevented me from managing my account or viewing statements. Misleading Service : I attempted to resolve this via phone multiple times. I was misled by customer service representatives who, due to a severe language barrier, could not provide a legal path to account access or address the lockout. Inaccurate Reporting ( FCRA Violation ) : The bank closed my account in XX/XX/year>. Despite the account being closed and my access being blocked by their own internal protocols, they reported me as 60 days late for XXXX and XX/XX/year>. I have since paid {$160.00}. However, the late marks for XXXX and XXXX are inaccurate as the delinquency was manufactured by the banks refusal to accept a digital address update and subsequent account lockout. My attached payment history shows I was NEVER late till the account closure over address verification. This is unfair, illegal and unprofessional!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am having a Problem with XXXX XXXX XXXX Credit Card claimng that I owe them {$420.00} that appeared on my statement. The last time I used this credit card payment was made in full and before the due date on the statement. When I asked for information on this fradulent charge they failed to provide the information. XXXX XXXX XXXX should this to collection agency that is trying to extort money for the above amount. The company that bought this debt is Portfolio Recovery Associates. I had filed a police report with the XXXX XXXX Police Department in XXXX XXXX I also sent the police report and letters to the XXXX credit rating agencies. When I called them they said that no file from Portfolio Recovery is on file. I have the police report and correspondence that I had with XXXX XXXX XXXX. They failed to take the seriousness of this problem. I can submit the letters and the Police Report upon Request. I am afraid that the criminals at Portfolio Recovery Associates will try to take money from my XXXX XXXX etc. Please help me and if the documents are needed please contact me? Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a valid fraud claim for {$980.00}. Citibank credited my account once to resolve it. Later, Citibank debited {$980.00} from my account, claiming they had accidentally credited me twice. I have reviewed my statements and I was only credited once. This banking error has now resulted in a - {$780.00} balance

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