vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
During the COVID-19 public health emergency, I experienced extreme financial and personal hardship after contracting the virus. This period included a serious mental health crisis, loss of income, and housing instability, all of which directly impaired my ability to manage financial obligations during a nationally recognized emergency.

The account at issue became delinquent during this time. Since then, I have submitted multiple disputes toXX/XX/XXXX and XX/XX/XXXXrequesting correction or removal based on pandemic-related hardship, inaccurate reporting, and lack of proper validation. Despite these efforts, the account continues to be reported negatively.

In addition, the reported balance has increased over time without any clear itemization, explanation, or documentation to justify the changes. I have not been provided with sufficient verification or validation to support the accuracy of the reported amount, raising concerns regarding the completeness and fairness of the reporting.

This continued derogatory reporting does not accurately reflect the circumstances under which the account became delinquent and has caused substantial harm. It has directly prevented me from obtaining safe and stable housing and has contributed to ongoing homelessness affecting both myself and my children. I have communicated my situation to the credit bureaus and the reporting entities, yet no meaningful review, accommodation, or resolution has been provided.

I am requesting non-monetary relief in the form of full removal of this collection account from all consumer credit reports due to improper and harmful reporting, failure to reasonably investigate disputes, and lack of consideration for documented hardship during the COVID-19 emergency. Continued reporting under these circumstances is unfair, misleading, and inconsistent with consumer protection standards.

Thank you for your review and assistance in resolving this matter

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 2026-02-05 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: IL

Complaint narrative:
Square terminated my account in XXXX, yet they continued to debit my bank account without authorization. These are NOT merchant funds or processing disputes these are direct withdrawals from my personal/business bank after account termination.

I have contacted Square repeatedly and have been transferred between chat agents with no resolution. Higher support promised email follow-up that never happened.

I have already filed complaints with the Federal Trade Commission and my State Attorney General.

I am requesting : Immediate stop to all withdrawals Full refund of all unauthorized debits Written explanation This has caused financial harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I am filing this complaint against Coinbase for professional negligence and failure to honor a written admission of liability regarding a loss of {$40000.00}. 
On XX/XX/year>, I contacted Coinbase Support ( Tickets # XXXX, # XXXX ) specifically asking if it was safe to transfer XXXX via the XXXX XXXX XXXX to my Coinbase Wallet. Support explicitly instructed me that it was safe, stating : 'Yes, you should be able to transfer or receive XXXX without any issues! ' Following this professional advice, I executed the transfer, and the funds ( {$40000.00} ) became inaccessible. On XX/XX/year>, Coinbase specialist XXXX XXXX ( Case # XXXX ) admitted in writing : 'This is a service error on our part ', acknowledging that their incorrect instructions created a reasonable expectation of fund recovery.

Despite this admission, Coinbase has issued a 'Final Response ' ( Complaints # XXXX, # XXXX ) refusing reimbursement. Furthermore, in a recent email ( Case # XXXX ), a specialist named XXXX attempted to deflect blame to 'third-party smart contracts. ' This is unacceptable : if Coinbase does not control these contracts, their support should never have advised me to use them as a 'safe ' route.

Coinbase 's internal dispute process has failed to provide a remedy for their own admitted professional error. I request a full refund of my {$40000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My mortgage loan has been transferred multiple times between servicers. Throughout these transfers, servicers lost documentation related to my homeowners insurance. Although I paid insurance premiums through escrow as required, the servicer failed to pay the insurance carrier, resulting in a lapse in coverage.

This lapse was caused by servicer error and improper servicing transfers, not borrower negligence. I was not notified of any lapse prior to discovering the issue, and escrow funds were held but not properly disbursed.

I am requesting a full escrow accounting, correction of servicing records, confirmation of current insurance coverage, reimbursement for any costs incurred, and assurance that no negative credit reporting occurred as a result of this error.

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 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IA

Complaint narrative:
I didnt have no knowledge of this account with XXXX XXXX XXXX my information was linked to a data breach and phone lines was on line with my information that I did not authorize I was a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DigniFi
State: TX

Complaint narrative:
7day removal from collection -Day Notice for Removal of Collection Account XXXX acct # XXXX This notice is sent pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

I am formally requesting that you remove the above-referenced collection account from all credit reporting agencies within seven ( 7 ) days of receipt of this notice. You have failed to provide proper verification, validation, or legal authority to continue reporting this account.

If this account is not removed within seven ( 7 ) days, I will consider this a willful violation of federal law and will pursue all available legal remedies without further notice. 
Sincerely, XXXX XXXX __________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Bought rims XXXX tires from a company XXXX XXXX in Ohio, their phone number is XXXX. I send them {$750.00} by XXXX  XXXX  XXXX XXXX ( XXXX ) on XX/XX/year>. I was told it was going XXXX  be send through UPS or FEDEx ( I have text saying this ). XXXX days later, I received tracking number XXXX ( shipping company is XXXX XXXX XXXX ) XXXX  shipping documents from Cycle Factory. After a few days I received a text from XXXX XXXX asking if I received the merchandise they told me to check tracking. When I checked tracking it said it was on hold. Cycle Factory told me XXXX  text them I did and I was told it was on hold because I needed XXXX  send {$200.00} for insurance ( even though it was already sent from Ohio to Maryland ) and XXXX  send it by chime or cryptocurrency. After back XXXX  forth text with Cycle Factory and Express Wave Logistics I notice it is a scam, XXXX  declined XXXX  sent {$200.00} more. Told them XXXX  get back merchandise XXXX sent me back my money, told them XXXX  give me contact number with Express Wave Logistics, XXXX  even told them XXXX  give physical address where the tires XXXX  rims are so I can send someone XXXX  pick it up. I still don't have the tires XXXX  rims or the refund {$750.00}. 
After looking online Cycle Factory I don't think it exists XXXX  Express Wave Logistics has a website but has no contact number only email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: NY

Complaint narrative:
I called XXXX on XX/XX/year> @ XXXX XXXX  - put on hold Called again XX/XX/year> @ XXXX XXXX  ; put on hold Called again XX/XX/year> @ XXXX XXXX  put on hold I sent a certified letter to the CEO XXXX XXXX XXXX Ohio.

Waiting for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: NY

Complaint narrative:
A third-party payout was sent to my XXXX  account through the rewards provider XXXX  and is marked COMPLETED on the senders side, but the funds never appeared in my XXXX  balance and I have no way to access them. 

XXXX confirmed the payment was completed on XX/XX/year> at XXXX XXXX  CST and is associated with my XXXX  email address. The payment amount is {$99.00} and the sender is listed as XXXX / XXXX. 

I attempted to contact XXXX  multiple times through their available support channels, including phone and in-product support, but was unable to reach a human representative or obtain any assistance tracing or crediting the payment. XXXX  provides no visible transaction in my account and no method to claim or recover the completed funds. 

Because the payment is confirmed as completed yet inaccessible, I am requesting that XXXX  trace the transaction in their ledger and either credit the {$99.00} to my account or return the funds to the sender so the payment can be reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing a complaint because Wells Fargo refused to treat my ACH transaction dispute as fraud, even though the transaction was induced through clear misrepresentation and deceptive business practices by the merchant ( XXXX ). 

I authorized a {$24000.00} ACH payment in XX/XX/XXXX based on XXXX  written agreement promising a full refund if I did not meet specific performance goals after completing their one-year program. At the end of the program in XX/XX/XXXX, I requested the refund according to the agreement. The merchant then stopped responding to emails and phone calls and did not provide any refund or explanation. This is a pattern of fraudulent behavior documented by numerous other consumers. 

I contacted Wells Fargo to file a fraud claim for an ACH transaction obtained through misrepresentation. Wells Fargo denied my claim solely because the transaction was authorized and because I knew the merchant. This does not follow the proper fraud definitions. Fraud through misrepresentation ( authorized fraud ) is still fraud and should be investigated under the banks fraud procedures, not dismissed as a standard goods-and-services dispute.

Wells Fargo did not investigate the fraud aspect of the claim, did not review evidence of deceptive practices by the merchant, and closed my dispute prematurely. I am requesting that Wells Fargo reopen and properly investigate this case as fraud by misrepresentation and provide a written explanation for why my claim was denied without a full review.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE 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 non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I put my card on autopay but it got canceled somehow. Then I got assessed a late fee for {$30.00} and then a second late fee the next month of {$30.00}. I called and asked for a courtesy waiver and they applied a {$15.00} waiver. I read the terms and conditions of the card and did not see any mention of waivers. So I called back and escalated to a supervisor, who said it is a one time courtesy and it is not in any of the terms and conditions. My account is paid in full other than the 2 late fees. The supervisor was unwilling to waive the fees though they are the only charges on my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc
State: ME

Complaint narrative:
In XX/XX/XXXX, William & Fudge contacted my mother regarding a debt. The man on the phone was very aggressive and my mother didnt want to confirm my information with him as she felt uncomfortable. He said to her tell her she needs to pay her debt effectively disclosing the debt to her. Along with making her extremely uncomfortable. On XX/XX/XXXX, my mother received another phone call from them. She hung up on them. I called the number to find out who called and discovered it was them contacting her again even though they already had in the past. I told the representative that last time they contacted her they disclosed my debt illegally. The woman I spoke with was very combative and rude. She told me this didnt happen. I explained that it did and that I wasnt saying SHE did so and that it was a man and it happened in XXXX. She told me I had no proof. She made condescending remarks about me needing to pay my debt. I told her that they are not to contact any third parties regarding my debt because they have my correct contact information and confirmed my number. She said well are you gon na actually pick up? She was rude, combative, and condescending. I will be filing a lawsuit against them as theyve violated multiple laws and clearly this is a pattern with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I do not have access to my account. I cant make payments online. I cant see any history. This was the case before and after I filed for bankruptcy. Normally when someone is in active banruptcy they can fully access all parts of the mortgage account on the mortgage lenders website. This company has blocked my access even after I filed. 

A motion has been prematurely filed. The payment plan was not approved by the court until mid XXXX right before XXXX. So filing a motion to remove an automatic stay the next month is a bit agrressive and premature. There was no merrit to filing so quickly after the plan was approved. 

I had even applied for Mortgage assistance and it seems like as soon as I did they filed their motion. Yet I have received no response from an actual person. I have emailed their customer service email addresses at XXXX and XXXX and all I get back is an auto noreply email saying the email was receved and someone will get back with me. But no one has. I was able to see on the site that they need more documents. But I am not able to load the docuiments. XXXX because there is a file restiction on size. XXXX because I do not even have the documents they want to be signed and no one has provided them to me. So how am I supposed to get whatever it is they want me to sign when no one responds directly?.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
On XXXX, I tried to deposit {$500.00} at an ATM. I inserted the cash, but the ATM malfunctioned, kept my money, and stopped working. The transaction was never completed and the money was not returned to me. 
I filed a claim with the bank. About XXXX weeks later, the bank reimbursed me the {$500.00}. However, about a month after that, the bank charged me the same {$500.00} again, saying they did not find extra money in the ATM. 
I never received the cash back from the ATM, and I am disputing the banks decision to take the {$500.00} back.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
SECURITY CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITY CREDIT 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 2026-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Last night ( XX/XX/XXXX ) {$9900.00} was stolen from my checkin account using Wells Fargo Bill Pay. The cyber thief created a recurring bill pay per month of {$9900.00} from my account and the withdrawal yesterday was the first withdrawal. I have never used Bill Pay for this big of amount in the past and Wells Fargo allowed this large of an amount taken out without any second verification. The funds were transferred to the following bank account with name of the individual being XXXX XXXX. 

Payee Information Payee Name CHASE CARD SERVICES Address ( line XXXX ) XXXX XXXX XXXX Address ( line XXXX ) City State Zip Code Phone No. XXXX XXXX CA XXXX ( XXXX ) XXXX Payment Detail Payment Type Electronic Payee Account No. XXXX Name on Account XXXX XXXX Payment Amount {$9900.00} Send Date XX/XX/XXXX Expected Delivery XX/XX/XXXX Reference No. XXXX Status Check No. Trace ID Memo I reached out to Wells Fargo with a complaint within XXXX hours of funds being stolen but they were not very cooperative. The transaction could have been stopped within Wells Fargo if they would have acted swiftly. 

I also reached out to Chase bank where the funds are being transferred and asked them if they can put a hold on the funds when the funds show up so that the cyber criminal can not access the funds and move them overseas, but Chase declined to do so.

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 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
I called to dispute a wrongful debt. Somebody stole my identity. I went to court to try and fix this and they told me this would not be on my collections as it was determined that identity theft happened. I let her know what was going on and she said oh well this is what you owe. Then she said started screaming at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Sequium Asset Solutions is reporting a collection account on my credit report related to an alleged rental debt. 

I dispute owing this debt and have not been provided documentation demonstrating that Sequium has legal authority to collect or report this account. I have not received a copy of a signed lease, itemized ledger, move-out statement, or documentation establishing the amount being reported. 

I previously disputed this account with the credit reporting agencies. Despite this, Sequium continues to report the account as verified without providing evidence that a reasonable investigation was conducted. 

Reporting a disputed rental debt without validating the obligation, amount, and authority to report constitutes inaccurate credit reporting and improper debt collection practices under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

I am requesting deletion of this account due to failure to validate and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RESOURCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE 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 non-monetary relief