vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
XX/XX/year> Community Bank N.A. withdrew {$5.00} leaving our account balance at XXXX. The bank should have withdrawn {$2.00} for a paper statement monthly fee leaving our account with {$3.00} end of the month balance. 
Checking account XXXX Joint account XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, our son in Texas whom XXXX XXXX refused to allow to sign on to our checking account. Unfortunately, I believe it's racism. She told us that if our son, whom is XXXX yrs is not contributing to the account he can't be on the account. XXXX XXXX keeps trying to steal from our account and perhaps a few others, and the fact that the community of XXXX NY won't allow XXXX citizens to open accounts that's why they won't allow him to sign our account. Several banks have frequently removed my name from my joint account with my husband. All our accounts are in goodstanding until the bankers, tellers, local pd? Access our accounts to fabricate evidence otherwise. Our Son doesn't contribute to our household whenever he can or whenever we ask for help. He makes computer chips for a living and worked his way through college paying for whatever his scholarships didn't cover. We have repeatedly requested to place our son 's name on our home deed and vehicle title but because XXXX XXXX, XXXX XXXX real estate attorney for our current home here in XXXX NY wants to steal it from us they keep harassing us. Our home was purchased with cash from the net proceeds of our previously owned Texas home and I can provide authentic evidence supporting our purchases. They tried to make us appear as thieves by voiding and nullifying purchases. We had to notify XXXX and XXXX 's XXXX committee to get our purchases debited from our account. Our smaller purchases are frequently stolen from the mail and we send in complaints, but the stalking thieves continue to harass and steal all the more. Does someone have to die to get those people in custody?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: LA

Complaint narrative:
Williams Rush & Associates is reporting a collection account related to XXXX with inaccurate information, including account activity and an account opened date reported in XXXX. I have not used XXXX in over six years, and any alleged delinquency occurred well before the dates being reported. The information currently reported does not reflect the true Date of First Delinquency and appears to be an illegally re-aged account. 

Additionally, on XX/XX/XXXX, Williams Rush & Associates placed a hard inquiry on my XXXX  credit report. I did not apply for credit, financing, or any service with this company, nor did I authorize a hard inquiry. As a debt collection agency, they do not have a permissible purpose to conduct a hard inquiry. 

I have disputed this inaccurate reporting and requested validation. I am filing this complaint because the inaccurate reporting and unauthorized inquiry continue to appear on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-31 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: Credit Karma, LLC
State: PA

Complaint narrative:
I am filing this complaint against Credit Karma ( and its partner XXXX Bank ) for failing to provide access to my legal funds. I have a significant balance in my [ Credit Karma Spend/Save ] account, but I am currently locked out due to an outdated phone number on file. 

I have attempted to update my contact information to regain access, but Credit Karmas automated systems and customer support have failed to provide a pathway for manual identity verification. As a result, I am being denied access to my own liquid assets, which is causing significant financial hardship. 

Under federal consumer protection laws, a financial institution must provide a reasonable and accessible method for a consumer to access their funds. By failing to provide a manual override or secondary verification method ( such as an ID upload or notary service ), Credit Karma is effectively sequestrating my private property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a fraudulent transaction on a XXXX prepaid gift card purchased from XXXX and issued/managed by GiftCardMall ( Blackhawk Network ) . 

I purchased a {$200.00} XXXX gift card from XXXX in XX/XX/XXXX. The card was shipped to me and remained unused while I saved it for a planned trip in XX/XX/XXXX. When I received the card, the magnetic strip was damaged during opening, and I attempted to contact customer service regarding replacement, but no resolution was provided. I ultimately activated the card on XX/XX/XXXX. 

On XX/XX/XXXX, just XXXX days after activation, a fraudulent charge of {$190.00} was made to a merchant listed as XXXX XXXX. I did not authorize this transaction, did not use the card myself, and had no knowledge of the charge at the time. The card was effectively drained immediately after activation. 

Because I was saving the card for a future trip, I did not check the balance until XX/XX/XXXX. Upon discovering the unauthorized charge, I immediately reported the fraud and submitted a dispute through GiftCardMalls website. My dispute was denied the next day, today, solely because it was reported outside their stated XXXX window ( reported approximately XXXX days after the transaction ), despite the fact that the fraud occurred almost immediately after activation and before any legitimate use. 

I believe this card was compromised prior to or during distribution, as the fraudulent transaction occurred only XXXX days after activation. I acted in good faith, reported the issue promptly upon discovery, and never benefited from the funds. I am requesting assistance with escalation and a review of this matter for a goodwill refund or replacement, as I was the victim of fraud and lost the full value of the card which was a lot of money for me to lose. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
I am submitting this complaint because Williams , Rush & Associates , LLC continues to report a debt without providing legally sufficient documentation establishing its authority to collect or furnish this account and repeatedly closes CFPB disputes without resolving the underlying issue. 

I formally disputed this account and requested validation, including proof of ownership or a valid assignment of the debt demonstrating Williams , Rush & Associates legal right to collect and report the account. In response, the company merely states that it is an authorized and assigned collection agency for XXXX XXXX XXXX, XXXX. No documentation has been provided to support this claim. 

The original retail installment contract does not list Williams , Rush & Associates , LLC as a creditor, assignee, or authorized agent. The company has failed to produce a bill of sale, assignment agreement, servicing agreement, or any chain-of-title documentation. Assertions alone do not satisfy the verification requirements under federal law. 

Despite the lack of validation, Williams , Rush & Associates continues to report this account and repeatedly closes CFPB disputes by claiming the matter is resolved, even though the core issuefailure to provide proof of authorityremains unaddressed. Closing disputes without correcting inaccurate reporting or supplying proper documentation is not a good-faith resolution and undermines the consumer dispute process. 

Under the Fair Credit Reporting Act ( FCRA 611 ) and Fair Debt Collection Practices Act ( FDCPA 809 ), a furnisher and debt collector must conduct a reasonable investigation and provide meaningful verification when a debt is disputed. Continuing to report an unverified account while prematurely closing disputes constitutes inaccurate and misleading credit reporting.

I have also filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. Despite this escalation, Williams , Rush & Associates has continued the same conduct.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I disputed inaccurate credit reporting with XXXX  regarding XXXX XXXX and Cavalry Portfolio Services. XXXX  claims the accounts were verified as accurate, but failed to provide any description of how the verification was conducted.

I am requesting : Proof of verification Documentation used Compliance with FCRA 611 Despite my dispute, inaccurate and unvalidated information continues to be reported, harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PatientFi, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX and PatientFi operate in a coordinated arrangement whereby all treatments are paid upfront through a PatientFi loan that is purpose-specific and tied exclusively to XXXX services. 

I discontinued treatment and declined to continue further services due to medical concerns and uncertainty regarding safety. As a result, a substantial portion of the contracted services was never rendered, and I received no benefit from those unused services.

Despite this, PatientFi continues to treat the obligation as fully earned and valid, even though the underlying services were not performed. Neither PatientFi nor XXXX XXXX XXXX has provided a clear, itemized accounting showing which services were rendered, which were not, or how unperformed XXXX XXXX can be considered earned. 

Additionally, PatientFi has reported a balance exceeding the original loan amount while refusing to provide documentation explaining interest accrual, fees, or balance increases. This raises serious concerns regarding inaccurate billing, lack of transparency, and potential violations of consumer lending and credit reporting obligations. 

I disputed the debt directly with PatientFi and attempted to resolve the matter in good faith, including proposing settlement. PatientFi nevertheless charged off the account and referred it to third-party collections without validating the debt, correcting the accounting, or addressing the dispute. 

As a result of this conduct, PatientFi furnished negative credit reporting that has materially damaged my credit profile, including mortgage-related scores, based on an obligation that remains disputed and unsupported by proper accounting. 

This arrangement effectively forces consumers to repay loans for XXXX XXXX they did not receive and can not safely or reasonably continue, while denying refunds, obscuring balances, and damaging credit. I believe this constitutes unfair and deceptive practices and request CFPB review, correction of the reported balance, cessation of collection activity, and remediation of inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute an unidentified collection account that is currently being reported on my consumer credit report. This account does not belong to me, and I have not been provided sufficient information to verify its accuracy or legitimacy.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies and furnishers of information are required to ensure that all information reported is accurate, complete, and verifiable. Specifically : - 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported.

- 15 U.S.C. 1681i ( a ) ( 1 ) requires that disputed information be reinvestigated when a consumer disputes the completeness or accuracy of any item.

- 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation and correct or delete inaccurate or unverifiable information once a dispute is received.

Despite reviewing my records, I can not identify this collection account, and I have not been provided documentation validating the debt, including the original creditor, account history, or proof of my obligation. Reporting an unidentified and unverified collection account is a violation of the FCRA. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require the responsible party to either : XXXX. Provide proper verification and documentation establishing the accuracy and ownership of this account, or XXXX. Remove the collection account from my credit report immediately if it can not be verified. 

Please consider this letter my formal dispute of the unidentified collection account. I am requesting correction of my credit file to ensure it reflects only accurate and verifiable information, as required by federal law. 

Thank you for your time and assistance in this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX La XXXX XXXX XXXX XXXX ] [ XXXX CA XXXX ] [ XXXX ] [ 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 2026-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Randolph Brookes Federal Credit Union did not protect me from theft by fraud that totalled {$2000.00}. I was pickpocket of my phone on vacation while out of state during an extended weekend and was not able to reach an RBFCU representative until XXXX hours had passed and all charges had posted. After providing all documentation of police reports and descriptions of the incident RBFCU denied the activity as fraud due to " not having recovered the stolen device or have a suspect in custody ''. I have been an active saver during my entire XXXX years with them while serving overseas in the XXXX XXXX and after my first incident this will be my last ; I am withdrawing my entire portfolio from them as I have lost all faith in their institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Momnt Technologies, Inc.
State: CA

Complaint narrative:
on XX/XX/year> XXXX XXXX arranged financing for a roof replacement through Momnt Technologies, few days later he charged {$11000.00} at 23 % interest. The job was supposed to be completed by end of XX/XX/year> but no work was ever completed. He attempted to refund the amount in full to Momnt but the transactions failed. Momnt was made aware of potential fraud but did not do anything to collect from XXXX. I finally sued the XXXX, I obtained a substantial judgement, treble the amount charged, on XX/XX/year> and offered to endorse this judgement to Momnt XXXX or XXXX XXXX XXXX  ( Note Holder? ) in exchange of terminating the loan refunding payments and legal fees but to no avail. 
Instead Momnt continues to add interest and payment collection to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to XXXX  XXXX XXXX regarding a business credit line ( account ending in XXXX ) under my company XXXX XXXX XXXX XXXX XXXX, and a related account ending in XXXX, which I do not recognize. I requested signed agreements, transaction history, and an internal investigation of unauthorized cash advances that appeared in XXXX. 

I received no response from XXXX  XXXX XXXX. However, on XX/XX/year>, I received an internal XXXX  XXXX XXXX email showing that my dispute had been forwarded to other departments, but no one ever contacted me or provided the requested documentation. 

The disputed debt was then sent to a XXXX-party collector, Firstsource Advantage XXXX I submitted a timely dispute to Firstsource. They responded XXXX  with the same account statements, but failed to provide a signed agreement, balance breakdown, or any explanation of how this debt was incurred or why I am responsible. 

Despite these efforts, collection activity continued, and neither company has complied with my written validation requests. I believe this debt may be the result of internal error or identity misuse. I am asking the CFPB to compel proper validation, suspend collection activity, and prevent any further harm to my business or credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: TN

Complaint narrative:
Recently i checked my email address, to be surprised to see numerous emails from this business entity regarding an alleged debt, Ive never heard of this company or ever done any business with this company at all. Whatsoever.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Ordered replacement cards. Took XXXX weeks to receive them

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 2026-02-01 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Company : TD Bank, N.A.

Product : Mortgage and Home Equity Line of Credit ( HELOC ) Issue : Payment misapplication, improper charges, incorrect interest accrual, force-placed insurance Complaint Narrative : I am filing this complaint due to multiple unresolved servicing errors by TD Bank involving my mortgage and HELOC accounts. These errors have resulted in missing funds, improper debits, double force-placed insurance charges, and incorrect interest accrual despite repeated attempts to resolve the issues directly with the bank. 
On XX/XX/year>, a {$2000.00} payment intended for my HELOC was incorrectly applied to my mortgage. TD Bank acknowledged this error and reversed the payment from the mortgage ; however, the {$2000.00} was never credited to the HELOC, and TD Bank has not provided any written confirmation identifying where these funds are currently being held. 
Separately, on XX/XX/year>, TD Bank placed force-placed homeowners insurance in the amount of {$4200.00} despite my timely submission of valid homeowners insurance documentation on multiple occasions. TD Bank confirmed receipt of this documentation, yet the force-placed insurance charges were not refunded. 
Instead of correcting the improper insurance charges, on XX/XX/year> TD Bank re-debited an additional {$4200.00}, resulting in double force-placed insurance charges totaling {$8400.00} and further inflating the mortgage balance. 
As a result of these servicing errors, mortgage interest has continued to accrue on an inflated and incorrect balance, and HELOC interest has also continued to accrue incorrectly due to the missing {$2000.00} payment. 

As of today : The {$2000.00} HELOC payment remains missing Force-placed insurance charges totaling {$8400.00} remain unresolved Interest continues to accrue on incorrect and inflated balances TD Bank has not provided clear written explanations or confirmation of corrections despite repeated contact These issues represent multiple bank servicing errors and have caused direct financial harm. 

Resolution Requested I am requesting that TD Bank : Locate and properly apply the missing {$2000.00} payment to my HELOC Remove and refund all force-placed insurance charges totaling {$8400.00} Reverse all mortgage and HELOC interest improperly accrued as a result of these errors Correct all account balances Provide written confirmation detailing all corrections made and identifying the location and application of all funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-01 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: GA

Complaint narrative:
On XX/XX/year>, MIDLAND CREDIT MANAGEMENT XXXX opened a collection account reporting a balance of {$630.00} on my credit report. I do not recognize this debt and have no knowledge of the original creditor or any agreement that would result in this account. 
I disputed this account through the credit bureaus ( XXXX and XXXX ) as not mine, but the account continues to appear on my credit report as an open collection. I have requested full debt validation under the FDCPA, including the original signed agreement, account history, and proof that MIDLAND CREDIT MANAGEMENT XXXX is authorized to collect this debt. 
As of today, MIDLAND CREDIT MANAGEMENT XXXX has not provided any validation. Because the account is not mine and remains unverified, I am requesting that it be removed from all credit reporting agencies immediately and that all collection activity cease until validation is provided. 
This reporting is inaccurate and affects my credit, and continued reporting without validation is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation