vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XX/XX/year>. Me, my wife, and my sister all received voicemails. I called back the number and they claimed to be Speedy Cash saying they had a lawsuit filed against me in XXXX XXXX ( I checked civil court records they don't ). The person on the phone was extremely curt and pushy, clearly just trying to get me to make a payment. I am with XXXX XXXX XXXX and should be having no contact with Speedy Cash directly, which the company is aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

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 explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
SUBJECT : URGENT ESCALATION VA-Approved Short Sale | Servicer-Caused Delay | Request for Expedited Review under contract since XX/XX/XXXX. Still in Review Good afternoon, I am writing to formally escalate the above-referenced short sale file due to significant delays directly attributable to servicing issues. The U.S. Department of Veterans Affairs issued approval for this short sale on XX/XX/XXXX. However, as of XX/XX/XXXX, ServiceMac had not acknowledged receipt of that approval and issued a delay notice citing lack of response from the VA. At our request, the VA re-sent the approval, after which ServiceMac confirmed receipt. At that point, we were advised that all previously submitted documents had expired and were required to be updated and resubmitted. All requested updated documentation was promptly provided on XX/XX/XXXX. However, we have now been informed that the file will be subject to an additional full review period. This situation is unacceptable. The need to refresh documentation was a direct result of ServiceMacs failure to timely receive and process the VA approval, not due to any delay on the part of the seller, buyer, or agents. As such, restarting the review timeline places an undue burden on all parties and jeopardizes the transaction. We are respectfully requesting the following : Immediate confirmation that this file will be treated as a continuation of an already VA-approved short sale, not as a new submission Expedited review and issuance of final approval, given the servicer-caused delay Confirmation that no additional documentation will be required unless specifically requested by underwriting Assignment to a supervisor or escalation specialist to ensure timely resolution Please be advised that the buyer is at risk of terminating due to repeated delays, and further inaction may result in escalation through appropriate regulatory channels. We appreciate your prompt attention to this matter and request a status update within 48 hours.

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
I am filing a complaint regarding the continued restriction and withholding of approximately {$12000.00} in funds by XXXX Trust Company , LLC since late XX/XX/year>. XXXX has refused to release my funds while failing to provide any specific, evidence-based justification tied to my account activity. Instead, I was informed that XXXX reviewed my online presence as a music artist and, based on that, made assumptions regarding potential fraudulent conduct. This rationale appears to rely on subjective and extrinsic factors unrelated to my actual transactions, account history, or any verifiable violation of XXXX terms of service. To date, XXXX has not identified any specific transaction, pattern of activity, or contractual breach that would justify the continued restriction of my funds. I have made multiple requests for : Release of my funds A detailed explanation of the restriction Any evidence supporting their determination XXXX has failed to provide a substantive response to any of these requests. Additionally, XXXX stated that they are working with law enforcement, yet no formal notice, documentation, or further clarification has been provided. This statement, without supporting information, raises concerns regarding the legitimacy and basis of their claims. The continued withholding of my funds without clear justification, due process, or a defined resolution timeline may constitute arbitrary enforcement of internal policies, lack of transparency, and potential breach of contractual obligations. I am requesting : Immediate release of my funds, or A detailed written explanation outlining the specific legal and contractual basis for the restriction, including any evidence relied upon in making this determination At present, my funds remain inaccessible without a clearly articulated or substantiated reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A check issued by my mortgage company was made payable to two parties : myself and another individual. The check required endorsement from both payees. The check was cashed without my signature or authorization. Only the other payee endorsed the check, and the bank accepted and processed it without verifying both required endorsements. This is a violation of standard banking procedures and has caused me financial harm. Per my divorce decree, I am legally entitled to a portion ( or all ) of these funds. I have already sent a formal demand letter to JPMorgan Chase Bank requesting reimbursement. I am requesting that the bank investigate this matter and reimburse me for the full amount of the check, as it was improperly negotiated without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint against PayPal regarding funds that were held in my account since 2020. My account was permanently limited, and I was informed that funds would be held for up to 180 days. However, it has now been over 6 years, and I have never been able to withdraw my remaining balance. I have contacted PayPal multiple times over the years, updating my information and requesting access to my funds, but I have never received a resolution or a clear explanation. This situation represents an unreasonable retention of funds far beyond the stated holding period, and a failure to properly address a customers request despite repeated attempts. I am requesting immediate release of my funds or a formal explanation of their disposition. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX EST, {$850.00} was withdrawn from my Cash App account and transferred to a debit card/bank account that does not belong to me and was never authorized by me. I immediately reported this transaction to Cash App and filed a dispute. Cash App denied my claim, stating that the transaction was authorized, but failed to provide any meaningful evidence showing that I authorized the transaction or that I own the receiving account. I requested documentation showing how the transaction was approved, including when and how the external debit card was linked to my account and any device or login information used. Cash App did not provide this information. After the denial, I submitted a police report documenting this as an unauthorized transaction. Despite this new evidence, Cash App initially refused to reopen the claim and stated that no new information had been provided. During the review process, Cash App also incorrectly stated that I recognized or authorized the debit card involved, which is not true. I clarified this and the case was briefly reopened. However, Cash App then refused to continue the investigation and stated that because my phone had been stolen around that time, they could not proceed further. A stolen device should be treated as evidence of unauthorized access, not as a reason to deny or stop an investigation. At no point did I authorize this transaction, link this external account, or share my login credentials or PIN with anyone. Cash App has not provided any proof that I authorized this transaction or that the receiving account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
We have made multiple attempts for me to be added as a joint owner to my husband 's Navy Federal Credit Union accounts ( XXXX XXXX XXXX, XXXX ). We have gone into the branch twice, called four times, submitted all documents including identity verification ( ID, Passport, Voter Reg Card, Lease, Phone Bill ) multiple times without resolution. In the meantime, I started receiving emails stating that someone was attempting to open bank accounts in my name with XXXX XXXX. The timing was impeccable. Last week, XXXX said that they didn't open an account because they needed identity verification. As soon as we uploaded my identity information ( again ) to Navy Federal C.U., I received multiple emails welcoming me to XXXX Bank, stating that accounts had been opened in my name. I did not open or attempt to open bank accounts with XXXX XXXX, only Navy Federal Credit Union. This tells me, that again, someone internally at Navy Federal is stealing consumer 's identities and using them to open other accounts ( XXXX XXXX ). I believe that Navy Federal has an identity theft ring internally and needs to be investigated immediately.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Suttell, Hammer & White, P.S
State: OR

Complaint narrative:
WE HAVE BEEN TRYING TO CONTACT THE COMPANY FOR MONTHS, AFTER READING ONLINE COMPLAINTS WE ARE NOT THE ONLY PEOPLE THIS HAS HAPPENED TO. HERE IS OUR MOST RECENT CORRESPONDENCE SENT XXXX CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX Re. : XXXX, XXXX XXXX To whom it may concern : We have been trying to reach someone, anyone, in your office for more than 6 weeks. Our phone records show no less than 9 calls with voicemails and an average wait time on hold for 9 minutesall with ZERO response. We are requesting a copy of our original paperwork as well as a balance on this account as we believe the debt has been satisfied. Attached is a record of our online payments that dont seem to reflect a payment that was mailed to you for {$500.00}. The documentation can be mailed USPS certified or emailed to the address listed above. Additionally, after reviewing your online ratings and complaint history we have filed complaints with ; Consumer Financial Protection Bureau ( CFPB ), the FTC, the XXXX XXXX XXXX as the State Attorney General.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

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 ) XXXX, 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 nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: Block, Inc.
State: TX

Complaint narrative:
I am submitting a follow-up complaint against Cash App, operated by Block, Inc. , regarding the continued withholding of my funds and failure to resolve my issue after compliance. I previously filed a complaint with the CFPB regarding {$160.00} being held in my restricted Cash App account ( XXXX ). In response, a member of Cash Apps Complaint Operations Team requested identity verification, including submission of my ID and a selfie through a secure link. I fully complied and submitted all requested documentation. Despite this, I received a notice stating that my case was closed because a response was provided or its been more than XX/XX/XXXX days since weve heard from you, which is inaccurate and unacceptable. Cash App has : Failed to acknowledge my submitted verification Failed to resolve the issue Closed my case without returning my funds I am not requesting access to the account. I am requesting the immediate release of my {$160.00}, either by transfer to my current account ( XXXX ) or another method. This demonstrates a pattern of noncompliance, delay, and failure to properly handle consumer complaints, even after escalation through the CFPB. Requested Resolution : Immediate transfer or release of my {$160.00} Confirmation of receipt of my verification documents Closure of the restricted account after funds are returned I am requesting that this matter be reviewed again and that Cash App be required to provide a proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: MO

Complaint narrative:
Validation of Debt Request - MIDLAND CRED - XXXXXXXX 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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: IA

Complaint narrative:
In XX/XX/XXXX, I financed a vehicle through CarMax Auto Finance. In approximately XX/XX/XXXX, I completed a trade-in transaction at CarMax and obtained new financing through a separate lender. As part of that transaction, CarMax Auto Finance provided a payoff amount directly to my new lender. That payoff amount was relied upon and paid in full to satisfy the loan. After the transaction was completed, I was not informed of any remaining balance on the account. I did not receive any notice of a deficiency, missed payment, or issue related to the payoff. Several weeks later, I discovered that CarMax Auto Finance had applied an additional balance of approximately {$5000.00} to the account. I was eventually informed that this balance resulted from a check that was retroactively determined to have bounced, which was not reflected at the time the payoff amount was calculated and provided. CarMax Auto Finance representatives, including a supervisor, acknowledged that this was the result of an internal accounting error and that the payoff amount provided to my new lender was incorrect. Despite this, no correction was made to the account at that time, and I was not notified of any outstanding balance. Instead, CarMax Auto Finance began reporting the account as delinquent to the credit bureaus. This resulted in multiple reported late payments over approximately XXXX days and caused a significant drop in my credit score ( approximately XXXX points ). As a direct result, I lost the ability to proceed with refinancing my home. It took approximately XXXX to XXXX weeks of repeated contact with CarMax Auto Finance for them to identify the source of the issue. Despite acknowledging the error, they have refused to correct the credit reporting, mark the account as disputed, or provide any resolution other than requiring full payment of the {$5000.00} balance. I relied in good faith on the payoff amount provided by CarMax Auto Finance and had no knowledge of any outstanding balance at the time of the transaction. The current balance and negative reporting are the direct result of their internal error and failure to provide accurate payoff information. I am requesting the following : XXXX. Immediate correction or removal of all negative credit reporting associated with this account XXXX. That the account be properly marked as disputed XXXX. A full investigation into the payoff miscalculation and resulting balance XXXX. Written documentation explaining how the incorrect payoff amount was calculated and provided This situation has caused significant financial harm and credit damage due to no fault of my own. I expect prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: PA

Complaint narrative:
During the repossession of the vehicle, payments were still being made. There were many attempts made to contact the company to verify if the car was sold. There was no response made out to me. During the time of the repossession, there was full coverage on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems regarding a debt they are reporting on my credit report. This account was originally reported by XXXX XXXX Bank and later sold to Jefferson Capital. I requested validation of this debt under the Fair Debt Collection Practices Act XXXX and the Fair Credit Reporting Act XXXX. Specifically, I requested : Proof of ownership of the debt Chain of assignment from the original creditor Original signed agreement Complete payment history Jefferson Capital has failed to provide sufficient documentation validating this debt. Instead, they are continuing to report this account on my credit report without providing proper verification or evidence that they have the legal right to collect or report this debt. This is a violation of federal law, as a debt collector must provide proper validation before continuing collection activity or reporting. Without proper validation, this account should not be reported on my credit file. I am requesting : Immediate deletion of this account from all credit reporting agencies Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: SC

Complaint narrative:
I set a letter to Conserve asking for a copy of the original contract or agreement bearing my signature and documented proof of assignment or authority showing their legal right to collect this debt. To this date they have failed to provide that information. Pursuant to XXXX XXXX XXXX. proff of assignment required upon request.

Company response to consumer: Closed with explanation