vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I sent a written debt validation request to Portfolio Recovery Associates on or around XX/XX/2025, and I have proof that it was delivered on XX/XX/2025. In my request, I asked for proper validation of the alleged debt, including the original contract, account statements, and proof that I am legally responsible for the account. Portfolio Recovery Associates failed to provide any validation or documentation in response to my request. Despite this, they continue to report and attempt to collect the account. I made a good faith effort to resolve this directly with the company, but they did not respond or provide the requested validation. This is inaccurate and harmful to my credit. I am requesting that this account be deleted from my credit report due to failure to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was reimbursed for transmission XXXX charged got reversed after official documentation stating total amount refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. The identity of the entity or entities responsible for conducting the verification process. Any documentation or evidence used to substantiate the accuracy of the disputed items. I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I asked for Midland credit to show proof and verification showing that theyre supposed to collect the debt. Also explain to them that this was not my account due to fraudulent activity which day never mail documents and every time I talk to me hang up the phone or no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Chime Financial Inc
State: TX

Complaint narrative:
I filed a claim with the credit card company for a long list of charges that were made to XXXX and also to discord which I don't have any affiliation with or interest in but they're trying to make me pay for fraudulent charges and my money was stolen I haven't got a police report and they still won't give me my money back. it is not their money to make this decision this is my money. and if they don't give me my money back I will sue them a small claims court and I plan to see them for pain and suffering / community damages along with court cost, and also for the amount in dispute. I am prepared to file a lawsuit in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I am submitting additional documentation supporting my complaint. Attached is an email dated XX/XX/year>, where I contacted the company during their XXXX XXXX bankruptcy regarding issues selling my home and the inability to transfer the loan. This evidence shows : I was actively attempting to resolve this issue BEFORE the XX/XX/year> claim deadline The company was aware that the loan was preventing me from selling my home I was seeking guidance during the bankruptcy process and did not receive a meaningful resolution Despite this, the company is now relying on the missed claim deadline as a basis to deny relief. This is misleading and unfair. I acted within the relevant timeframe and relied on the companys handling of my inquiry during bankruptcy. The company continues to enforce and collect on this loan while refusing to provide a reasonable resolution, including transfer options or a reduced payoff. I request that this documentation be considered as evidence that I attempted to resolve this issue in good faith during the bankruptcy period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
When I applied for the Amex XXXX card on XXXX XX/XX/year>, the welcome offer was " XXXX reward points if I spend {$8000.00} in 6 months ''. So, I applied and spent {$8000.00} in 6 months and waited for my statement after I spent {$8000.00}. In that week, I recognized that I had only received XXXX reward points. Then I contacted the customer service about what had happened with my account on XXXX XX/XX/year>. They filed the investigation for it, and it took me over a month for a result. It is confirmed that a XXXX offer was already approved for my card account on XXXX XX/XX/year>. I don't accept this conclusion of this investigation because I didn't get a single email about how many membership reward points I'm getting, or to confirm that I'm getting XXXX reward points. This is absolutely wordplay and fraud to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding the handling of my dispute and failure to process a valid chargeback. On XX/XX/year>, I canceled a transaction with XXXX after receiving confirmation from the merchant that there was a delay in a part I ordered and that I could cancel the search and they would issue a full refund. I followed their instructions and have documentation showing that XXXX approved the cancellation and agreed to issue the credit. Despite this, the refund has not been processed. On XX/XX/year>, contacted my financial institution, Citi XXXX Mastercard and provided this documentation, requesting that a chargeback be initiated under Mastercard Reason Code XXXX Credit Not Processed. This reason code applies when a cardholder is entitled to a refund and the merchant either fails to issue the credit or does not do so within a reasonable timeframe. I made a good faith effort to resolve this matter directly with the merchant before escalating the issue. The cancellation was valid and in accordance with the merchants stated policy. However, Citi XXXX Mastercard denied my claim on XX/XX/year> despite the supporting evidence. They said they could not find an error. I am requesting that Citibank reopen my case and process the chargeback in accordance with applicable network rules. I am also requesting that the refund owed to me be issued promptly. This situation has caused unnecessary delay and frustration, despite clear documentation supporting my claim.

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 2026-04-13 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing this complaint against Barclays for a failure to conduct a reasonable investigation of a billing error under the Fair Credit Billing Act ( FCBA ). On XX/XX/2026, I purchased a jacket and t-shirt from XXXX XXXX XXXX for {$340.00}. Upon receiving the items, I discovered they were counterfeit and immediately initiated a dispute on XX/XX/2026. I provided Barclays with a definitive third-party 'NOT AUTHENTIC ' verdict from Real Authentication ( XXXX XXXX XXXX ). Under Visa Dispute Reason Code XXXX ( XXXX ), this third-party evidence is the specific requirement to win a claim and voids any individual merchant return policy. Despite this evidence, Barclays issued a denial on XX/XX/2026, misclassifying the case as 'insufficient proof of cancellation. ' I sent a formal rebuttal via Certified Mail on XX/XX/2026, highlighting their error and resubmitting the authentication report. Barclays has ignored this evidence and issued a final denial on XX/XX/2026, threatening to report this to credit bureaus. I am requesting that Barclays follow federal law and XXXX network rules to reverse this fraudulent charge immediately.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Debt card was used with out my knowledge transactions were not made by me at said time I was incarcerated with no access to the outside world.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I am responding to the companys statement regarding bankruptcy and the claim deadline. The companys response omits critical facts. In XX/XX/year>, shortly after the company filed for XXXX XXXX bankruptcy, I was actively attempting to sell my home and requested a loan transfer. At that time, I was repeatedly told that I would need to wait until after the bankruptcy process was completed before any transfer could be considered. I relied on this guidance from the company. However, I am now being told that I missed the XX/XX/year> claim deadline and that no relief is available. This is unfair and misleading, as I was actively attempting to resolve the issue during that exact period and was effectively prevented from doing so based on the companys instructions. Additionally : The contractor associated with this system is no longer in business The system has not delivered the promised financial benefits My total monthly cost is higher than before installation I am unable to sell my home due to loan transfer restrictions The company continues to enforce and collect on this loan while refusing to provide any meaningful resolution. I am asserting my rights under the FTC Holder Rule and applicable consumer protection laws. The companys bankruptcy does not eliminate its responsibility to address ongoing consumer harm, especially where the consumer was actively attempting to resolve the issue during the relevant timeframe. I am requesting : Loan transfer approval, OR Reduced payoff / settlement, OR Other reasonable resolution The companys response does not address these issues and instead relies solely on procedural defenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Block, Inc.
State: MO

Complaint narrative:
What I thought I was a scammer and took like XXXX dollars of my money and I talked to Cash App support and they basically said they will not give me any money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I am filing a complaint regarding National Credit Systems reporting an inaccurate collection account on my credit report. I disputed this debt directly with the company via certified mail, which was delivered on XX/XX/year>. In that letter, I requested full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act. National Credit Systems has failed to provide any response or validation of this debt. Despite this, they continue to report the account on my credit report. I never took possession of the apartment, never moved into the unit, and never received keys. The property was fully occupied and my spot was reassigned prior to any move-in. There was no vacancy and no financial loss attributable to me. Because the company has failed to validate the debt and continues to report it, this account is inaccurate and should be removed from my credit report. I am requesting that this account be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
My cashapp was hacked over XXXX months ago. Some individuals stole {$2700.00} from my cashapp within XXXX minutes one XXXX. And they had unlinked all my information from my account before I could login and attempt to stop them. My bank made me close out my account and cashapp has yet responded to my dispute nor have they given me an update

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed a dispute for a transaction of XXXX on the date of XX/XX/year> from XXXX. Citibank disputes credited me XXXX to refund me for this incident. I explained that this company had not sent the goods that they had promised, I still have never received the goods. I had contacted the company and did not get any response from them until after I filed the dispute, I emailed them back stating that I didnt receive the goods and I will let my bank handle the dispute. No response back from company. Citibank then withdrew the XXXX out of my account on XX/XX/year> with no explanation. Which is unfair considering I had spent this money and got no goods from the company.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Receiving suspicious text messages yesterday ( XX/XX/year>XXXX ) and on ( XX/XX/year>XXXX ) from a MRS BPO who is attempting to collect a debt I allegedly owe to XXXX which seems odd because my checking account that I have with XXXX is in good standing. I suspect fraud of some sort.. The contact info for this supposed entity is ( XXXX ) XXXX XXXX I have verified with XXXX and I do not owe them any money in any way so this is some kind of phony collections fraud scheme.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd

Complaint narrative:
I am filing this complaint against Wise XXXX XXXX for the arbitrary deactivation of my account and for providing contradictory instructions that have prevented me from receiving a court-mandated legal settlement. As a professional XXXX XXXX, I use Wise for legitimate personal financial management. Due to a technical misunderstanding of email aliases, I had overlapping records. Wise support initially instructed me to recover one specific alias ( +u ), then another agent ( XXXX XXXX instructed me to use a different one ( +b ). After I followed their exact instructions and provided a full set of compliance documentsincluding my official salary slips, XXXX XXXX XXXX statements, and the XXXX XXXX XXXX Class Action settlement noticeXXXX permanently banned all associated profiles without reviewing the evidence. This action is directly obstructing my ability to receive a XXXX court-supervised settlement payment. I am requesting Wise to perform a manual compliance review of my attached documents and reinstate my primary account ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: MA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. The identity of the entity or entities responsible for conducting the verification process. Any documentation or evidence used to substantiate the accuracy of the disputed items. I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. The identity of the entity or entities responsible for conducting the verification process. Any documentation or evidence used to substantiate the accuracy of the disputed items. I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 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: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. The identity of the entity or entities responsible for conducting the verification process. Any documentation or evidence used to substantiate the accuracy of the disputed items. I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2026-04-13 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: Coinbase, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I deposited {$4000.00} from my checking account into my Coinbase account. This Deposit did not establish the account- the account had been in existence with a substantial history of successful deposits. I began trading with the {$4000.00}. On XXXX I received notice that my bank had rejected the {$4000.00} transfer for insufficient funds ( due to a bounced check I had received from another party unrelated to my issue with Coinbase ). Coinbase alerted me that I needed to deposit an additional {$4000.00} or lose access to trading and withdrawls on my account. Because the value of my account was well in excess of {$4000.00} I sold my futures position leaving more than enough settled cash in Coinbase custody to cover the failed {$4000.00} payment. On XX/XX/XXXX and XX/XX/XXXX I made 2 additional deposits to the account to add a cash buffer to ensure that no issues would arise with the failed payments. Despite these good faith efforts, Coinbase removed my ability to trade in the account on the full portfolio value, not just the affected {$4000.00} AND eliminated my ability to withdraw any funds. In my attempts to address and resolve this issue with Coinbase support staff 1 ) I was not able to reach anyone on the phone for a direct conversation - only AI voice bots 2 ) In the support chat function in the app I received incorrect and contradictory information from a slew of different Coinbase employees without reaching a conclusion or receiving follow up.

Company response to consumer: Closed with monetary relief