vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB Supplemental Complaint TransUnion Failure to Conduct Lawful Reinvestigation/ Continued Reporting During Active Litigation TransUnion is continuing to report tradelines that are currently the subject of active state court litigation, despite receiving formal dispute notice. This is a violation of the Fair Credit Reporting Act and constitutes an unfair practice under federal consumer protection law. Violations : 1. 15 U.S.C. 1681i ( a ) TransUnion failed to conduct a reasonable reinvestigation after receiving notice of dispute. 2. 15 U.S.C. 1681e ( b ) TransUnion is not ensuring maximum possible accuracy by reporting legally contested debt as valid. 3. 12 U.S.C. 5531 ( UDAAP ) Continuing to report disputed accounts under active litigation causes substantial consumer harm and is unfair and abusive. Federal courts have held that a credit reporting agency must conduct more than a superficial review. XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). TransUnion has not provided competent evidence, independent verification, or lawful investigation results. Harm : Credit denial and loss of opportunities Reputational damage Financial injury Requested Resolution : 1. Immediate lawful reinvestigation 2. Proper dispute notation reflecting pending litigation 3. Deletion of any information that can not be independently verified 4. Written method of verification TransUnions continued reporting while litigation is pending demonstrates willful noncompliance. Signed, XXXX XXXX XXXX XX/XX/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 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year> I was trying to use my debit card at XXXX to make a money order as I have done for the last 2 years. Kept getting a text message is this you making this transaction which this has never happened before. I tried 3 times and 3 times i answered the text. I tried calling but they were closed. I was soon umiliated, and embrassed. So how do I get my MO to pay my RENT. So I went to the ATM across the parking lot and guess what I used the card gave me {$1000.00} omg, can someone take the money from the ATM and I can not make a money order which gets traced, but give away my money. How can that happen I would have lost my money. And no not a text message the first But would not give it to me for a tracable item but let it be taken from the ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: IL

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 Code 1618d - 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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American 1st Rate Mortgage, LLC
State: NM

Complaint narrative:
Validation of Debt Request - AMER 1STXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 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: Untimely response
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
Validation of Debt Request - 1ST CRD SRVC XXXX 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 ) 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 2026-03-01 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: AZ

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: GA

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 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 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC

Complaint narrative:
I am trying to obtain my XXXX tax form so I can pay my taxes. However, I tried logging onto the Carrington Mortgage website, on XXXX XX/XX/XXXX, and got an error message. I had similar issues logging into my account with Carrington in previous tax years, and once previously had to file a complaint with you in order to resolve the issue. I tried to get the contact details of Carrington in order to reach out to them, but the " Contact Us '' website is also down. This is the first time this year I try logging onto my account, but given the past history of a similar issue that took weeks to resolve, I am filing a complaint now. I can not delay much longer to provide by tax advisor the information required to prepare my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this formal complaint against Synchrony Bank ( PayPal Mastercard ) for withholding {$1700.00} in settled payments across 6 transactions ( XXXX XXXX XXXX ). Despite these funds clearing my XXXX XXXX XXXX XXXX ) days ago, Synchrony has placed an 11-day hold on my credit line, leaving me with only {$14.00} of available credit on a {$3800.00} limit. On XX/XX/year>, at XXXX XXXX, I spoke with a supervisor and explicitly informed them that I needed this credit line available to pay for two upcoming medical appointments. The supervisor was dismissive and refused to provide a manual override or even their identification, stating the account was 'too new ' and that I made 'too many payments in one cycle. ' This is despite the fact that I have a 20-year history with PayPal. Synchronys internal 'risk ' policies are being used to intentionally withhold settled funds, directly interfering with my ability to pay for essential healthcare. This practice is predatory and causes clear financial and personal hardship. I am in the process of rolling this balance over to XXXX and closing all associated accounts due to this gross lack of consumer protection.

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 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have a verified XXXX account with my identity confirmed ( name, address, DOB, SSN ). In the past week ( XXXX XXXX XXXX ), I attempted to send a payment of {$3400.00} from my linked bank account. The transaction was declined. I then attempted smaller amounts {$500.00} and {$700.00} which both went through successfully. I then attempted a bigger payment, which was still declined. All transactions were within my stated verified account limits. My bank has confirmed they are not declining these transactions the failed attempts do not even appear on their end, indicating the decline is occurring entirely on XXXX XXXX side before reaching my bank. I contacted XXXX support requesting a specific explanation for why my transactions are being declined despite being a verified user within my limits. Their response was a generic statement about " protecting our customers '' with no explanation of the actual issue, no steps to resolve it, and no timeline for resolution. I am unable to use my account as intended, have no clear explanation of why, and have been given no path to resolution. I am requesting that XXXX provide a specific reason for the transaction declines and restore full functionality to my verified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

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 2026-03-01 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: TX

Complaint narrative:
Validation of Debt Request - MIDLAND CRED/XXXX XXXX XXXX - XXXX 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 ) 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 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 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
My account has been charged {$100.00}, {$100.00}, {$72.00}, {$72.00} in overdraft fees bringing my negative balance to XXXX. I've tried contacting customer service and getting fees waived but no help. Tried hardship waiver and also no help at Regions.

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MANA XXXX XXXX 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 ) 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 debt in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX synchrony closed my XXXX card without notifying me. On XX/XX/XXXX I tried to use my XXXX card at the gas station and it was denied. I was embarrassed because I have I know I have at least {$2000.00} available credit on this card. I called the customer service number on the back of my XXXX card on XX/XX/XXXX. I spoke with customer service rep named XXXX. He checked my account status and confirmed that on XX/XX/XXXX my account was closed by synchrony. I said I received no prior notice of the account being closed. He said that the underwriters of synchrony closed by account and that I would not be able to reopen my account unless I sent a letter from the credit bureau Transunion to synchrony to reevaluate my account. I have been a XXXX card holder for XXXX years ( since XXXX ) and its sad and disgusting that synchrony/chevron would XXXX their long time customers this way, instead of reaching out to see how they can help customers.

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: OK

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation of this alleged debt. I dispute this debt in its entirety and request that you provide documentation to verify its legitimacy. Specifically, please provide : 1. The name and address of the original creditor. 2. The full account number associated with the alleged debt. 3. The amount of the alleged debt, including an itemized breakdown of fees, interest, and charges. 4. Copies of any original signed contract or agreement bearing my signature that demonstrates I have a legal obligation to pay. 5. Documentation demonstrating your authority to collect on this account. 6. The date of default and the date the account was charged off. 7. A complete payment history on the account. Until this debt is properly validated, you must cease all collection activity, including reporting this account to any credit reporting agencies. If you are unable to provide the requested documentation, you must immediately cease collection efforts and remove any reporting associated with this account. All future communication with me regarding this matter must be in writing. I expect your response within the time frame required by law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ok XXXX XX/XX/2026

Company response to consumer: Untimely response
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI Plaza Services , LLC Attn : Compliance Department Re : Formal Dispute and Validation Request XXXX XXXX Account XXXX XXXX XXXX XXXX Activity To Whom It May Concern : I am writing regarding the alleged XXXX XXXX account that Plaza Services claims to own and placed with XXXX XXXX XXXX for collection. This letter serves as a formal dispute, a request for full validation, and a correction of the record based on inaccurate statements made by your agent, XXXX XXXX XXXX, in their XX/XX/year> response to the Consumer Financial Protection Bureau ( CFPB Case # XXXX ). XXXX. I previously disputed this account in writing. Spire falsely stated that I never submitted a dispute. This is incorrect. I sent a written dispute and validation request by certified mail, and it was delivered. As the alleged current owner of the account, Plaza Services is responsible for ensuring that disputes are properly logged, acknowledged, and responded to. XXXX. Plaza Services has not provided any of the required validation. To date, I have not received : - A copy of the original signed agreement - A complete accounting of the balance - Documentation showing Plaza Services legal right to collect - A chain of title from XXXX XXXX XXXX Plaza Services - A breakdown of interest, fees, or charges Under 15 U.S.C. 1692g ( b ) and Regulation F, collection activity must cease until proper validation is provided. XXXX. Spires response indicates Plaza Services may have provided incomplete or inaccurate information. Spire stated they relied in good faith on information provided by Plaza Services. If Plaza Services supplied incomplete, inaccurate, or unverified data, this must be corrected immediately. XXXX Credit reporting concerns remain unresolved. If Plaza Services or any related entity is furnishing information to consumer reporting agencies, you are required to : - Report accurate information - Investigate disputes - Correct or delete unverifiable or inaccurate data If Plaza Services can not validate the debt, all credit reporting must be removed. XXXX. Required action I request the following : - Full validation of the alleged debt, including all documents listed above. - A complete halt to all collection activity until validation is provided. - Removal of any inaccurate or unverified credit reporting. - Written confirmation of Plaza Services investigation and findings. If Plaza Services can not validate the debt, you must cease all collection efforts and notify any third parties, including Spire, to close the account. Thank you for your prompt attention. Please respond in writing. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I wrote to Blackhawk Network XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX on XX/XX/XXXX ( after unsuccessfully trying to reach some XXXX by phone ) concerning the reduction amount of my XXXX XXXX XXXX XXXX funded with the proceeds of a class action settlement from XXXX XXXX. The settlement amount was {$27.00}, yet the debit card that was provided to me has a balance of only {$0.00}. I did not ask for nor was the card sent with any expedited shipping or processing. Thus, I was at a loss to understand where the majority of the {$27.00} settlement balance went and I demanded that Blackhawk provide a full explanation so I might understand what happened here or that Blackhawk update my balance to the full {$27.00} settlement amount. The XX/XX/XXXX was not answered so I sent a follow up letter on XX/XX/XXXX and that letter was also not answered.

Company response to consumer: Closed with explanation