vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LCB Rent Reporting Ltd.
State: MD

Complaint narrative:
In XX/XX/XXXX, we notified our landlord that we needed to relocate and vacate the property by the end of XX/XX/XXXX. We worked with the landlord in good faith and agreed to pay rent for XXXX and XX/XX/XXXX to allow time for re-renting the property. 

We paid the full XX/XX/XXXX rent. When we attempted to pay XX/XX/XXXX rent, the landlord repeatedly declined to accept payment, stating that he wanted us to first pay additional charges he was demanding. These charges were presented in invoices totaling more than {$15000.00}, which included numerous items we disputed as excessive, unsupported, or unrelated to actual damages. 

We had a security deposit of approximately {$3100.00} held by the landlord. That security deposit was sufficient to fully cover the unpaid XXXX rent the landlord later claimed was owed. 

The landlord filed a lawsuit seeking the full inflated amount. On XX/XX/XXXX, the court dismissed most of the landlords claimed charges, rejecting the majority of the alleged damages. The court reduced the claim significantly and left only {$2700.00} in damages plus XXXX rent. However, the judgment did not apply credit for the security deposit, which should have been applied to the XXXX rent. 

As a result, we do not owe the XXXX rent the landlord continues to claim, because it is fully offset by the security deposit already in his possession. After accounting for the security deposit, the undisputed balance owed is {$2300.00}. 

We have sent payment of {$2300.00} to the landlord through his attorney as a partial payment of the undisputed amount, while a XXXX XXXX XXXXXXXX or XXXX XXXX remains pending to address the failure to apply the security deposit credit. 

Despite this, the landlord, through XXXX Credit Bureau ( LCB ) and XXXX, reported a debt of {$2900.00} to XXXX  on XX/XX/XXXX, before the court proceeding, and has continued to furnish and update the account while the amount remains under court review. The reported amount does not reflect the courts rulings, does not account for the security deposit, and has caused ongoing credit harm. 

I am requesting removal of this account while the matter remains under active court review and unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: ASAP Credit Repair
State: MD

Complaint narrative:
I hired ASAP Credit Repair to provide professional credit repair services, including disputing inaccurate, unverifiable, or unlawful credit reporting and delivering documented results. 

After multiple billing cycles, the company now claims that XXXX XXXX of my credit repair process is complete, but has not provided any proof of actual results. They can not produce : A list of accounts disputed The bureaus involved Dispute submission dates Bureau responses Deletions, updates, or verifications Copies of dispute confirmations or outcomes Instead, they are pressuring me to sign up for third-party free trial credit monitoring services so I can pull my own reports and tell them what changed. This shifts the burden of proof to the consumer and allows the company to avoid producing evidence of services performed. 

XXXX XXXX only means disputes were submitted three times not that any results were achieved. Filing disputes without producing documented outcomes does not meet the standard of credit repair services. 

I believe this constitutes deceptive and unfair business practices under the Credit Repair Organizations Act ( CROA ) and the Consumer Financial Protection Act, because the company is collecting payment while failing to provide proof of value or measurable service. 

I am requesting : XXXX. Immediate disclosure of all dispute records and results XXXX. A refund if documentation can not be produced XXXX. Investigation into this companys billing and reporting practices

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year> XX/XX/year> XX/XX/year> I verified that I want balance transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: IN

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 non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
CAINE is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE 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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a dispute with SoFi Bank, N.A. regarding a SoFi debit card transaction for Service Not Received. 
Merchant : XXXX XXXX XXXX XXXX XXXX Transaction date : XX/XX/XXXX Amount disputed : {$100.00} Claim date : XX/XX/XXXX I paid an application/rental screening fee, but no screening/service was provided and the merchant became unresponsive. SoFi requested documentation on XX/XX/XXXX ( receipt/order confirmation, expected delivery date, and merchant communications ). I provided the requested documentation and proof of merchant non-response. 

SoFi has repeatedly stated that the claim remains under investigation and that these disputes can take up to 90+ days to resolve ( e.g., SoFi email dated XX/XX/XXXX ). As of XX/XX/XXXX, SoFi is still actively investigating and has not issued a final written determination resolving the dispute.

Because the investigation extended past 10 business days, I requested provisional credit. On XX/XX/XXXX, SoFi ( XXXX XXXX Back Office ) responded in writing that : The regulation that requires provisional credits for claims that extend past 10 business days are covered by Regulation E. The above-referenced dispute does not fall under Regulation E, therefore, no provisional credit will be issued, while also stating the dispute may take 90+ days and that results will be provided within 3 business days after completion. 

This response is contradictory and appears to misstate the applicability of federal law. This is a consumer debit-card electronic fund transfer dispute from a deposit account, and I understand SoFi has Regulation E ( 12 C.F.R. 1005.11 ) error-resolution obligations. SoFi is keeping the dispute open and under investigation while refusing provisional credit based on a blanket assertion that the dispute does not fall under Regulation E. I am requesting CFPB assistance to require SoFi to comply with Regulation E error-resolution requirements, including provisional credit where applicable, and to correct any internal policies or template letters that deny Regulation E coverage for consumer debit-card XXXX  disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DigniFi
State: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems is reporting collection accounts related to alleged utility debts originally associated with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I dispute these accounts in their entirety. 

I do not recognize these debts as valid, and Transworld Systems has not provided proper written validation demonstrating that I owe the amounts being reported or that Transworld Systems has the lawful authority to collect them. I have not received copies of any original agreements, itemized statements explaining how the balances were calculated, or proof of assignment or chain of title from the original creditors. 

Despite the lack of validation, Transworld Systems continues to report these accounts as open collections. Reporting and attempting to collect unverified debts is improper and misleading. 

I am requesting that Transworld Systems either provide full written validation of these alleged debts or remove the accounts from all consumer credit reporting agencies and cease collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the account listed below on my credit report. This letter serves as a request for validation and verification of this debt pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

After reviewing my credit report, I have reason to believe this account is inaccurate, incomplete, and/or unverifiable. I am requesting that you conduct a reasonable investigation and provide competent evidence that this account is being reported correctly. 

Please provide the following : Verification that this debt belongs to me Documentation showing the original creditor and complete payment history Proof that the furnisher has the legal authority to report this account The method of verification used to confirm the accuracy of this account Please note that under the Fair Credit Reporting Act, you are required to complete your investigation within 30 days of receipt of this dispute and notify me in writing of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I get a dozen or more calls a day from companies that claim Experian gave them all my information and that my credit cards are overcharging me interest. They have all of my information, Social Security numbers amount owed to everybody. I think my problem with it is with Experian leaking my information or selling it.

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 2026-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX I used my credit card through Bank of America credit in order to purchase two 3-day passes ( approximately {$500.00} purchase ) for the XXXX XXXX XXXX XXXX which took place at the Virginia XXXX XXXX for the dates XX/XX/XXXX through XXXXXXXX XXXX XXXXXXXX. 

The event collapsed and was canceled - it is reported that the reasoning for this was that the event was oversold by tens of thousands of tickets, I witnessed shuttles being shut down at the entry, and I personally was denied entry outside of 2 hours from a total of what should have been three whole days that I paid for. Saturday and Sunday were entirely canceled. The promoter of the event later promised refunds and ticket rollovers for subsequent events, but neither was ever provided and the organization seems to be inactive since. 

I disputed this charge with Bank of America within the alloted timeframe for the services not provided. I submitted extensive evidence which included and were not limited to news coverage, official statements from the festival, proof of cancellation and unsafe conditions ( sewage backing up where the event took place ). Despite all this, Bank of America denied my dispute and allowed this fraudulent merchant/organization to keep my money. 

There was not a legitimate weather cancellation for this event. The stagehands quit due to no payment and allegedly having no water available at the premises, vendors were not paid, sanitation and water systems failed, and again, it appears that the promoter just stopped all operations of the event. In XXXX I believe, the Virginia Attorney Generals Office too became involved due to the volume of complaints. Thousands of customers never received their refunds. Many banks gladly protected their customers from fraud ( such as XXXXXXXX XXXX  ), but unfortunately my bank, Bank of America, did not. 

To recap, I paid for a multi-day festival that did not take place and I had been denied the service I paid for. Bank of America wrongfully rejected my valid non-delivery dispute and failed to protect me as their client from a fraud. I am requesting that they be investigated on the matter and this charge be reversed.

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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, a {$30.00} returned check fee was charged to my credit card account after autopay failed due to my mistaken setup of the wrong external bank account as primary, despite having a secondary account listed with sufficient funds to cover the full statement balance. A {$41.00} returned check fee followed on XX/XX/XXXX, despite a previous representative stating there should only be one such fee, not two.

I contacted customer support multiple times via chat and phone, explained the one-time honest error as a long-time customer with a strong payment history, promptly corrected the primary bank linkage, paid off all prior statements leaving only these fees, and requested waivers plus escalation to a supervisor or billing/loyalty team. 
Support acknowledged my good history, but insisted the fees remain. 
I closed my Citi accounts on XX/XX/XXXX.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: PA

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint about from a company that has reported a supposed debt on my credit report from company Cedars business service who has reported this as a collection to my credit reports. This amount theyre reporting was proven in recent disputes and communication from wayfair ( original debtor ) that I did not owe anything and therefore they removed those comments from my report. It seems that wayfair they sold this information to cedars, a collector and theyve destroyed my credit. I have attached a recent XXXX statement verifying that there is no balance owed. Additionally, I have never received any correspondence from the company or entity currently reporting this account as a collection. There have been no letters, emails, or phone calls regarding any alleged debt or outstanding balance. As a military spouse residing at XXXX XXXX, Virginia, I am not required to change my home address under the Servicemembers Civil Relief Act ( SCRA ). Therefore, any claim that correspondence was sent but not received is invalid, as I have had no communication whatsoever regarding this matter. The inaccurate report of this alleged balance is causing unwarranted harm to my credit reputation. I respectfully request that the CFPB investigate this issue and require all bureaus and the company reporting the account to remove the inaccurate collection entry immediately in compliance with the Fair Credit Reporting Act ( FCRA ). Thank you for your attention to this matter. I am attaching supporting documentation to verify the accuracy of my claim. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I received a {$5000.00} payment through PayPal for a legitimate yacht rental service. 
The client authorized the payment and there is no dispute or fraud involved. 
Immediately after receiving the payment, PayPal limited my personal account and placed a hold on the funds for up to 180 days.

PayPal has not allowed me to properly access the Resolution Center to submit documentation or explain that this was a service and not a physical product. 
This has caused significant financial hardship. 
I am requesting an immediate manual review and the release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am filing a complaint against my mortgage servicer, Mr. Cooper / Lakeview XXXX XXXX, for ongoing escrow servicing errors, failure to comply with RESPA and Regulation X, and failure to properly respond to a written Notice of Error. 

On XX/XX/XXXX, I sent a written Notice of Escrow Error / Qualified Written Request disputing multiple contradictory escrow analyses and requesting a full escrow history, proof of tax and insurance payments, and correction of servicing errors. The servicer did not provide the required acknowledgment or documentation within the timeframes required by 12 U.S.C. 2605 ( e ) and 12 C.F.R. 1024.351024.36.

Instead of responding properly, the servicer issued a series of conflicting escrow determinations, including : A surplus issued in XX/XX/XXXX A {$5400.00} shortage asserted in XX/XX/XXXX A different shortage of {$2900.00} asserted in XX/XX/XXXX These contradictory determinations occurred without any clear explanation or reconciliation. 

On XX/XX/XXXX, the servicer issued a research response attempting to explain only the most recent {$2900.00} shortage. While this letter describes how that single figure was calculated, it fails to comply with RESPA because it does not : Reconcile prior surplus and shortage determinations Explain why property taxes were previously included and later omitted Provide a complete escrow transaction ledger Provide proof of tax or insurance payments Correct prior servicing errors As of today, my XX/XX/XXXX Notice of Error remains unresolved.

This pattern demonstrates escrow mismanagement, improper accounting, and failure to comply with federal mortgage servicing requirements. I am requesting CFPB intervention to require the servicer to conduct a full escrow audit, correct all servicing errors, and cease enforcing any disputed escrow amounts.

CFPB Complaint What You Want the Company to Do I am requesting that the CFPB require Mr. Cooper / Lakeview XXXX XXXX to : 1. Conduct a full escrow audit from XXXX to present 2. Provide a complete escrow transaction history ( deposits, disbursements, balances ) 3. Reconcile all prior surplus and shortage determinations 4. Correct or remove any servicer-caused escrow shortage 5. Provide proof of all tax and insurance payments 6. Suspend enforcement of disputed escrow amounts pending correction 7. Comply fully with RESPA and Regulation X

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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