vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: PA

Complaint narrative:
To Whom It XXXX Concern, I am submitting a complaint regarding my Credit Karma Money account and the unreasonable restriction of my funds. XXXX of events : XX/XX/year> : Credit Karma created a new Credit Karma Money account after my original account was shut down due to being compromised. XX/XX/year> : Pending claim funds were scheduled to be deposited into my new account. On the same day, Credit Karma froze the account for security reasons, despite my completion of all identity verification steps, including submission of a government ID and a live selfie. The freeze occurred immediately after my claim funds were to hit the account, blocking access to money that is legally mine. I have formally requested that my funds be released electronically to my linked XXXX XXXX account, but this request was denied. I also requested that any mailed funds be sent with tracking information due to shared mailboxes in my development, but this was also denied even after stating my saftey concerns. Customer support told me to call back in 14 days if the funds have not arrived, without providing a guarantee or tracking, which is unreasonable. The delayed access to my funds is causing significant hardship. My son has XXXX XXXX XXXX, and some of the funds were intended to cover critical testing and appointments that insurance does not cover. Due to the freeze, these appointments will need to be rescheduled, delaying his care and causing financial and personal hardship. I am requesting the following from Credit Karma Money : Immediate access to my funds electronically. The lack of access after full verification, combined with the freeze coinciding with incoming funds, denial of electronic transfer, and ref usal to provide tracking information, constitutes an unreasonable restriction under the Electronic Fund Transfer Act ( Regulation E ) and consumer protection laws. I am requesting the assistance of the Consumer Financial Protection Bureau in resolving this matter and ensuring the prompt, safe, and secure return of my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: MI

Complaint narrative:
I was contacted by Williams & Fudge four times regarding a debt that isnt mine. The first contact occurred on XX/XX/year>. They called my work line from the number XXXX at XXXX XXXX EST. The company name appeared on my caller ID. Later that same day, at XXXX XXXX EST, I received a second call on my cell phone from the number XXXX. They left a voicemail identifying themselves as Williams & Fudge and requested a callback to XXXX. On XX/XX/year>, they called my work line again, this time from XXXX at XXXX XXXX EST. This time, I spoke with someone who asked for me by name but then inquired about another individual. They claimed that I was listed as this person 's wife, but I am not married. That was the only information I provided to them. Shortly after that, at XXXX XXXX EST, they called my cell phone from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJU/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: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am formally requesting a review of my account after Wells Fargo disabled my access to XXXX due to a {$250.00} customer complaint alleging fraud. The transaction in question was a legitimate sale, and I possess documented proof including communication records and transaction evidence confirming the agreement between myself and the buyer. Despite the absence of verified fraud, Wells Fargo has restricted my ability to conduct business transactions through XXXX and has stated that the only resolution is for the complaining party to withdraw their statement. This effectively allows a third party to control access to my banking services without due review of the evidence. I am requesting that Wells Fargo conduct a fair investigation, review the documentation available, and provide a written explanation of the specific policy used to justify this restriction. If no fraud is substantiated, I request immediate restoration of my XXXX access.

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 2026-03-11 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: MA

Complaint narrative:
Ive new Bank of America XXXX credit card which pended a plane fare transaction for {$320.00} I attempted to make 24 hrs ago on XX/XX/year>. This caused incredible inconvenience for me as the merchant - XXXX in this case- wasnt paid and I had to find another form of payment to purchase my plane fare. When Ive called Bank of America ( three times so far ) to get resolved Im not given any resolution but instead told to wait more. Latest is a supervisor will call me back in another 24 hours! I fear in the end as a result of Bank of Americas actions I could now be paying the merchant twice if the pended transaction gets authorized long after the fact. Best regards, 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 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
My last correspondence with Nelnet was XX/XX/25. Since that time, I have contacted Nelnet on several occasions requestion information about my student loans, including a copy of their policies and practices related to my account. Unfortunately, I have not received any communication or response. Because of the lack of response, I created an account with Nelnet and updated my personal information in an attempt to access my loan details and arrange payment. However, I still have not received any communication or guidance from the company, which has made it difficult for me to properly set up payments for my student loan. Additionally, I have concerns that my personal information may have been release without my knowledge or authorization, which I believe could constitute a violation of FERPA. I am requestion clarification regarding how my information has been handled and why my attempts to obtain information about my loan have not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: NC

Complaint narrative:
Validation of Debt Request - SIMONS AGENCY INC/XXXX XXXXXXXX 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: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The debt was charged off in XXXX and the company is making like the debt is still dint like it was never charged off it was husband debt and they are coming after me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
A man stated that he was from XXXX XXXX and he made me do transactions through Cash App I file a dispute with Cash app on XX/XX/XXXX and they have not responded when they called Cash App. They said that its still under review. The case number is XXXX. Also try to follow a dispute with my bank, but they denied my claim. The person has scammed me phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I am filing a complaint against Current regarding unauthorized debit card transactions that they have refused to properly investigate. Between XX/XX/year> and XX/XX/year>, multiple transactions were charged to my debit card by XXXX XXXX XXXX that I did not authorize. These charges were all different amounts and occurred on multiple different days. I only entered my card information once at XXXX XXXX in order to attempt a withdrawal and did not authorize any deposits or gambling transactions. I did not make these purchases. I immediately reported these transactions to Current and filed disputes. Current denied my disputes and also denied my appeal, stating that the evidence did not meet their standard. However, they have not provided me with any proof that I authorized these transactions such as device verification, IP address confirmation, or confirmation that the XXXX XXXX XXXX account belongs to me. The total amount of unauthorized transactions is significant and has caused financial harm. I believe Current failed to conduct a reasonable investigation into these fraudulent transactions as required under the Electronic Fund Transfer Act. I am requesting that Current reopen the investigation, provide documentation showing how these transactions were verified as authorized, and credit my account for the unauthorized charges. I also request that they provide any information they received from XXXX XXXX XXXX such as account details, IP address logs, or device verification used to claim the transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I expressly dispute the legitimacy of the referenced accounts and categorically deny authorizing their creation. I demand a full investigation and prompt removal upon confirmation. Relevant documentation is enclosed.

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 2026-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Real Time Group, Inc.
State: CA

Complaint narrative:
I originally purchased my property in XXXX then refinanced with XXXX then XXXX in XXXX, both companies went out of business. In XXXX the housing bubble burst and I found myself under water. As was prevalent during that period, I did a XXXX XXXX loan XXXX with XXXX in XXXX and it was at that time my XXXX XXXX disappeared from my title report. I was told my XXXX XXXX was forgiven. XXXX XXXX forgiveness while modifying ones XXXX XXXX was extremely common during those years of the housing crisis, so it didnt raise any red flags when I didnt see my XXXX lien on XXXX any longer. Then, in XXXX I listed my home for sale and still no XXXX XXXX showed on title. Shortly after entering into a purchase agreement and XXXX escrow with the eventual buyer of my home, Real Time Resolutions appear out of nowhere, claiming they were the lienholder/servicer on my XXXX lien, and demanded for me to pay them off with the proceeds of the sale. They would not work with me and my house was about to foreclose so they knew I was desperate and I didnt want to foreclose. I had never heard of them before, never received any phone calls from them, and never received any correspondence ( including the required Transfer XXXX XXXX ). The XXXX XXXX just mysteriously reappeared at the last minute, right before the closing date of my home sale. That was 14 years after it had vanished from title and I had been told it was forgiven. I want my money back because Im a victim of a zombie mortgage and XXXX was non-compliant with RESPA for not disclosing they had purchased the XXXX XXXX and were servicing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: GA

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 explanation
Consumer complaint received 2026-03-11 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: FL

Complaint narrative:
XXXX XXXX XXXX have an account open in my name that does not belong to me. They are trying to collect an amount of {$1300.00} as of XX/XX/year> through Credence Resource Management based in XXXX, XXXX XXXX. I have reached out to XXXX to place a fraud alert on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 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: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Client Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Client Services , Inc. for continued unwanted phone contact and threatening behavior while attempting to collect an alleged debt. I previously informed the company that I do not wish to be contacted by telephone and requested that all communication be made in writing by mail only. Despite this request, they continued to call me. I received calls from this company on the following dates and times : XX/XX/year> at approximately XXXX PM XX/XX/year> at approximately XXXX AM During communication with this company, they also threatened to send me to court regarding the alleged debt. I have sent a written cease and desist request and debt validation request asking them to stop calling and to verify the alleged debt in writing pursuant to my rights under the Fair Debt Collection Practices Act. Their continued phone calls after I asked them to stop and their threatening statements have caused unnecessary stress and appear to violate federal debt collection laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require the company to cease telephone contact and provide proper written verification of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: MI

Complaint narrative:
I am submitting this complaint because my previous complaint with the Consumer Financial Protection Bureau regarding Cash App was not resolved. An unauthorized transaction totaling {$1100.00} occurred on my account. I did not authorize this payment and did not receive any goods or services in exchange for it. Cash App only refunded {$250.00} of the fraudulent transaction. The remaining {$870.00} has not been returned to me. Because the transaction was unauthorized, I believe I am entitled to a full refund of the entire amount. I am requesting that Cash App conduct a full investigation into this unauthorized transaction and refund the remaining {$870.00}. At this time, the issue remains unresolved and I have not been made whole for the fraudulent charge. I am asking for the XXXX XXXX XXXX XXXX assistance in ensuring that this matter is properly investigated and that the remaining balance is refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: DC

Complaint narrative:
In XXXX I enrolled in a course with the university but was never provided access to the course platform or instructional materials required to participate in the class. Because I was unable to access the learning management system or course content, I did not receive the educational service being billed. Despite this, the university later reported a balance and placed the account with a third-party collection agency, ConServe, on XX/XX/XXXX. The collector states they sent a validation notice the following day and claims the debt was verified by the creditor. I disputed the debt because the underlying service was never delivered. I requested documentation showing that I actually received the course or had access to the platform required to participate. The collector responded that the debt was verified but did not provide any documentation demonstrating that the service was delivered. Specifically, the collector has not provided documentation such as : proof of course access login records to the learning platform proof of participation or attendance an itemized billing statement a signed enrollment agreement Because the service being billed was never provided, I do not believe I am responsible for this debt. Charging for services that were never delivered constitutes a failure of consideration and makes the collection attempt improper. I am requesting that the company provide proper documentation demonstrating that the service was delivered or remove the account from collection and credit reporting.

Company response to consumer: Closed with explanation