vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am submitting thi s compalint regarding violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX XXXX XXXX  I disputed inaccurated and unverifiable information both directly with the collectionagnecy XXXX XXXX and through XXXX  including online disputes. Despite these disputes, XXXX continues to report the account as verified without providing the required method of verification and XXXX XXXX failed to properly validate the debt. Experian has failed to conduct a reasonable reinvestigation as required by 15 U.S.C1681I ( A ) AND HAS FAILED TO PROVIDE THE METHOD OF VERIFICATION AS REQUIRED BY 15 U.S.C 1681XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). XXXX XXXX has failed to validate the alledge debt abd instead provided only an itemized bill, which does not constitute proper validation or proof of accuracy under the FCRA After disputing this account, XXXX XXXX responded by sending a copy of an itemized bill. This document does not establish ownership of the debt, does not include a contract or agreement bearing my signature, and does not demonstrate the authority to collect or report the account. 
Despite these discrepancies, XXXX accepted this response as verification and continued reporting the account without providing details regarding : Who verified the information How the information was verified What documents or systems were relied upon This constitutes a procedural violation of the FCRA. 
XXXX actions violate the FCRA because a credit reporting agency may not merely rely on a furnishers assertion without conducting a reasonable reinvestigation. 
Providing or accepting an itemized bill does not satisfy verification requirements and does not meet the standards of accuracy or completeness under 15 U.S.C. 1681e ( b ). 
Furthermore, XXXX failure to disclose the method of verification after a completed reinvestigation violates 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Because XXXX  has already been notified of these deficiencies and continues to report the account without correction or deletion, this conduct constitutes willful noncompliance under 15 U.S.C. 1681n. 
XXXX XXXX has also violated 15 U.S.C. 1681s-2 ( b ) by failing to properly investigate the dispute and continuing to furnish inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXXXXXX XXXX XXXX and Experience I received a copy of my credit report and am writing to once again to dispute the following information that appears on my credit report. 

Please verify or remove immediately the following accounts : Lvnv Funding Llc XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX Please provide statements and records of all that was use to verify this debt to me. I can not understand why each time I have requested this information I received none. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: WA

Complaint narrative:
Everything started on XX/XX/XXXX. My E * TRADE account, which contains a balance of {$3000.00}, was restricted after an issue related to XXXX enrollment, and I have been unable to access or use my own money for several weeks despite fully complying with all verification requests. 
The issue started when I attempted to enroll in XXXX through my ETRADE account. I entered my phone number, but that same phone number was already registered with XXXX XXXX for XXXX. Because of this conflict, a friend attempted to send me {$10.00} via XXXX and the transfer was declined. Shortly after this failed transaction, ETRADE restricted my account. 
Since then, my account has been locked, and I can not move, withdraw, or use my funds. E * TRADE requested identity verification documents, which I promptly provided. Despite this, my account remains restricted with no resolution. 
I have contacted E * TRADE multiple times by phone. Each time, I am told to wait three business days, but those timeframes have repeatedly passed without any action or meaningful update. This cycle has continued for weeks, leaving me without access to {$3000.00} that belongs to me. 
This situation has caused significant financial stress and inconvenience. There is no allegation of fraud on my part, and the original issue was a simple XXXX phone number conflict, not an illegal transaction. I have fully cooperated, yet E * TRADE continues to hold my money without explanation or resolution.

I am requesting that E * TRADE immediately remove the restriction on my account and restore full access to my funds, or provide a clear written explanation of the legal basis for continuing to hold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called on XX/XX/XXXX to close my account and distribute the balance to me. I was told this was done and would take XXXX business days. 

I called another time to confirm about a week later and they told me my account was closed and itll take XXXX business days. 

Checking the account tonight XX/XX/XXXX I saw my balance was still there. I called and was told the system wouldnt let them close it on XX/XX/XXXX. Its always funny to hear when Im being lied to. I was told tonight the system worked and theyve closed the account and again itll take XXXX business days. I wont hold my breath.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am the victim of identity theft. Multiple credit card accounts were opened and used without my authorization using my personal information. These accounts were later charged off and sold to LVNV Funding LLC, who is now attempting to collect the debt from me. 

I did not open, authorize, or use these credit cards. I previously disputed the validity of the debt, and LVNV Funding responded by providing billing statements and card agreements that do not demonstrate that I opened or used the accounts. 

I have since filed an Identity Theft Affidavit with the Federal Trade Commission and am in the process of reporting this fraud to my local police department. I believe the identity theft occurred after I lost my drivers license and Social Security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
The lender was advertised in the XXXX XXXX app/website as a personalized loan offer. The initial interest rate range advertised turned out to be substantially lower than what was offered once they received the application and placed a hard inquiry on my credit report. Fees were applied and added to the loan amount requested leading to an even higher repayment amount. Payments made over the last XXXX years have only put a minor dent in the balance on the loan as the lender consistently allots less than XXXX XXXX of the payment amount towards the principal 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
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Vehicle was repossessed at XXXX, without notice, and without reason as payments are up to date. I am disputing a vehicle repossession related to my Nissan lease. I have confirmation numbers for payments that Nissan states were not received. Nissan opened both a payment investigation and a repossession dispute and advised I would receive a response within a few hours. 

No response or supervisor callback was provided despite follow-up calls. I was told no supervisor was available. The repossession remains unresolved while the payment investigation is pending. 

This has caused harm, including loss of transportation and a lost workday. I am requesting immediate supervisory review, placement of the vehicle on hold, reversal of any repossession fees, correction of my account, and confirmation that no adverse credit reporting occurs while this dispute is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I opened up an online banking account with regions bank. I was sent emails and notifications confirming an open bank account and to go ahead and set up my direct deposit. I set up my direct deposit for my job as well as set up direct deposit for my cash advance from my tax return. Both have been deposited into an account that I found out Regions closed. When I went to the branch, the manager refused to tell me anything all he said was that the account was opened in error and the bank would be closing it however I have {$1400.00} in this account that I am unable to use or have any knowledge of when Ill be receiving my funds back this has caused a huge inconvenience.

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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding the allocation of a payment on my American Express XXXX XXXX account ( Ending XXXX ). 

On XX/XX/year>, I made a {$1000.00} payment, which was posted successfully. However, this payment was automatically applied to my Plan Balance ( Plan It ) instead of reducing my Pay Over Time balance, without my instruction or consent. 

The total of my XXXX XXXX XXXX charges is {$2800.00}, but the {$1000.00} payment was not deducted from this balance. This has caused confusion and a higher balance than expected. 

I am requesting : XXXX. A full review of how the {$1000.00} payment was allocated XXXX. A clear explanation of why it was applied to the XXXX XXXX XXXX. Reallocation of the payment to the XXXX XXXX XXXX balance, if applicable I have already attempted to resolve this directly with American Express, but the issue remains unresolved. 

Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint regarding the permanent removal of a promotional XXXX XXXX XXXX, a significant credit-limit reduction, and the conduct of a U.S. Bank manager during a recent escalation call. 

I had an XXXX promotional XXXX XXXX XXXXXXXX on my U.S. Bank business credit card and an established credit limit of {$21000.00}. A payment due on XX/XX/year> was made on XX/XX/year>, resulting in a delay of seven ( XXXX ) days. The account was never XXXX days past due and was never reported as delinquent to any credit bureau. 

Despite this brief, non-reportable delay, U.S. Bank permanently removed the promotional APR, began charging interest at a high standard rate on both purchase balances and balance transfers, and reduced my credit limit from {$21000.00} to {$14000.00}. Interest charges exceeding {$200.00} per month have been assessed every billing cycle since XX/XX/year>. 

Prior to this incident, I had a consistent history of responsible use and payments well above the minimum, including multiple payments of {$1000.00} or more, and I had never previously paid only the minimum payment. 

I was not clearly notified that a payment only seven days late would result in permanent forfeiture of a promotional APR, recurring interest charges, and a substantial credit-limit reduction. 

I contacted U.S. Bank to request a goodwill reinstatement of the promotional APR, retroactive interest credits, and clarification regarding the credit-limit reduction. During an escalation call, a manager stated that nothing could be done, that no higher level of review existed, and suggested that I could stop paying the account and allow it to go to collections. 

I found this response inappropriate and concerning. I was attempting to resolve the issue responsibly and remain in good standing. The combined penalties imposed for a seven-day, non-reportable delay are disproportionate and have caused ongoing financial harm.

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 2026-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/year>, I requested and was approved for a loan recast if I sumbitted a large lump sum payment toward my principle. The purpose and approval for recast : to reduce my monthly payment amount. Therefore, I made a {$100000.00} lump sum payment via wire transfer. After the {$100000.00} payment was made, PHH Mortgage did not contact me, nor did they reduce my monthly mortgage payment amount. Upon my inquiry, PHH Mortgage then told me my loan was NOT eligible for a recast, but they took my {$100000.00} anyway.

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 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I notified my mortgage servicer that I was changing my homeowners insurance from XXXX XXXX to XXXX. I provided the new insurance information before the XXXX policy became active on XX/XX/XXXX. 

Despite this, the servicer paid XXXX XXXX on XX/XX/XXXX for approximately {$1300.00}. After XXXX activated my policy, the servicer paid XXXX on XX/XX/XXXX for approximately {$1700.00}. This means they paid two insurance premiums while collecting escrow for only one. 

On XX/XX/XXXX, the servicer claimed they had not received any documentation from XXXX, even though they paid XXXX the next day. On XX/XX/XXXX, they confirmed that XXXX was my active insurance provider. 

In XX/XX/XXXX, I discovered that the servicer was still treating XXXX XXXX as an active policy. I contacted XXXX XXXX directly, and they confirmed the policy was canceled. On XX/XX/XXXX, the servicer again confirmed that XXXX was the only active policy, but also admitted that two premiums had been paid. 

On XX/XX/XXXX, the servicer informed me they were processing another XXXX XXXX payment for XXXX for approximately {$1500.00}, even though the XXXX XXXX policy was canceled and unauthorized. 

These actions created an escrow shortage and ongoing confusion. I repeatedly asked the servicer to clarify which insurance policies they had on file, which premiums they paid, and why XXXX XXXX continued to receive payments after cancellation. 

It is also extremely difficult to resolve this issue with the servicer. Phone support does not connect to anyone who can assist, and the only communication method is secure messaging. Each message is answered by a different representative who is unfamiliar with the situation, forcing me to re-explain the issue every time. 

The servicers errors and lack of continuity have caused financial harm and an inaccurate escrow shortage.

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 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account # XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I was a victim of cyber fraud, the hackers sent an evite through my email XXXX. from a known individual. I opened the evite and it took over several of my accounts, XXXX XXXX XXXXXXXX, XXXX, and XXXX, all stopped the fraud on XX/XX/year>. PayPal did not. PayPal stated that I'm financially responsible for the {$2000.00} fraudulent wire transfer, PayPal admitted the hacker took the money and closed their account. PayPal advance the money to the criminal and now will not stop attempting to collect the stolen funds from my checking account. I sent PayPal proof of the fraud and proof the other agencies took care of the fraud. PayPal stated they will not bill the criminal because the account no longer exists. And that it's a normal transaction from my account but refuses to prove how it's normal? All of my bills now have late fees because Incident Description Print This Report of PayPal, I don't earn $ XXXX. I need help, because PayPal will not assist a customer after 19 years as an account holder. This is the only claim ive filed with PayPal in 19 years. And now PayPal says they will garnish my accounts until they recover the $ XXXX that was stolen by the cyber hackers. I have to file a complaint with every agency and news outlets if necessary to seek assistance with the fraud and PayPal attempt to take my money because they didn't timely stop the fraud when I reported it within minutes of it happening. 5 minutes after i reported the fraud paypal rejected thr notification, i reported the activity within minutes of h It hitting my account. As a 19 year customer who has never filed a fraud claim you would think PayPal would take this matter more seriously? PayPal is causing emotional distress, it's affecting my sleep and my clarity, it's effecting my job as I am a XXXX XXXX XXXX XXXX  for 26 years and have been exhausted daily from the stress. I have a XXXX XXXX  and to be accused of lying by PayPal is emotionally painful as we are held at a higher standard than others. I'm praying for help from the FBi and local police, XXXX bless XXXX. I need help from the police to investigate so I can return to a normal life. I am willing to prosecute. 
Paypal admitted they never investigated the fraud. PayPal claims they have no way of detecting cyber fraud. And billed me a 19 year customer. I want others to be aware that Paypal has no protection for its customers from cyber crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I received alerts from both XXXX and NFCU that multiple XXXX transactions had gone through on my debit card. I did not make these transactions, did not authorize them, and did not receive or benefit from the money in any way. My debit card was in my possession the entire time. 

I contacted XXXX immediately. They confirmed the activity was fraudulent, canceled one transaction, and told me the remaining transactions could not be stopped because the money had already been released. I also continued to receive alerts for other attempted withdrawals that were blocked. 

I filed a fraud dispute with Navy Federal right away. Navy denied the claim, saying the transactions were authorized. I requested a second review and provided additional information, including XXXX response telling me to work directly with my bank. Navy denied the claim again without explaining how they determined the transactions were authorized. 

After the fraud was reported, XXXX issued a partial refund of {$37.00}, which was part of the same set of unauthorized transactions. I have attached proof of this refund. 

Despite immediate reporting, confirmation of fraud by the merchant, blocked additional attempts, and a partial refund, Navy Federal is still holding me responsible for the remaining charges. I have also asked for copies of the records they relied on in their investigation and have not received them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Zip Co US Inc.
State: KY

Complaint narrative:
Zip charged me {$170.00} for a merchant transaction that the merchant never received. I have confirmed directly with the merchant that no payment was received. Zip has refused to issue a refund or provide valid proof of payment to the merchant. I am requesting an immediate refund of {$170.00} or documented proof showing the funds were delivered to the merchant. I used zip to pay my telephone bill with XXXX. XXXX said they never received the payment so on XX/XX/XXXX my services were disconnected and I had to pay XXXX to restore my services. I notified zip by email and had made XXXX calls talking to multiple people and nothing is resolved. I also sent a demand letter still no response. I have proof.

Company response to consumer: Closed with explanation