vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
XXXX called in to pay my mortgage payment for XXXX, and XXXX XXXX has refused to take it stating until I pay XXXX as well no payments will be accepted. I gave them a timeline of XXXX weeks for the XXXX payment and they still refused. This is the first time we have ever had to go over 30 days late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to the ATM on my way to work and the ATM gave me my money for about XXXX seconds and then pulled it back in because I didnt grab it quick enough so I didnt get my money and its still with. They took it off my account. Im sure you guys have all this XXXX on camera so you can probably watch it and see what happened. The sequence number is XXXX. It was at XXXX XXXX  on XXXX XXXX. The AID number is a XXXX and it was it at XXXX XXXX XXXX, XXXX, XXXX  the terminal ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear XXXX XXXX XXXX. 
lam writing in response to your ( letter or phone call ) dated XX/XX/year> ( copy enclosed ) because I do not believe that I owe what you say I owe. 
This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show l agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that l intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
Somebody took my device and sent themselves {$700.00} dollars from my cashapp balance and thats all the money I had. Please let me know if you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: NH

Complaint narrative:
The loan is for point of sale car repair from the company koalafi. The initial quote for repairs was {$5800.00}, but they did an initial repair if {$2300.00} When I went to sign the payment plan I saw the loan is called a lease, and if you don't pay it off within XXXX  days, you have to pay double the loan value. 

I find this extremely predatory and fits the exact definition of loan sharking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Axela Technologies, Inc
State: LA

Complaint narrative:
They sent me a tax assessment by email in XX/XX/XXXX, in which I responded and now theyve placed a tax lien on my home. I received no response. XXXX sent letters to my previous address an address I havent lived at for XXXX years. I spoke with them in regards to this matter in XXXX. I dont receive notices at my current address and they still sent me to collections.

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 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management is attempting to collect a debt that was previously deleted by all consumer reporting agencies due to inaccurate and unverified reporting. All three nationwide credit reporting agencies removed the Midland Credit Management trade line after Midland failed to properly verify the account. Despite this deletion, Midland Credit Management has continued collection activity and attempted to reintroduce the debt without providing lawful verification or authorization. This conduct violates multiple federal consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: Chime Financial Inc
State: NC

Complaint narrative:
Two charges without my authorization were placed on my card XXXX XXXX XXXX for {$10.00} and {$150.00} for XXXX XXXX at XXXX EST. I disputed the charges with Chime 3 times and it was denied. I contacted XXXX XXXX and have emails where they stated no information is being found in their system where I placed these charges and to dispute it with Chime. I provided these documents to Chime and it was still denied. When contacting Chime there is no further information being provided on how they came to the conclusion of these unauthorized charges that they see no error occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I am disputing debit card transactions that were processed by an online casino operating as XXXX ( also known as XXXX XXXX  ), which caused my checking account to be overdrawn multiple times leading to not only the banks fees but general financial hardship due to the XXXX  amount. 

My account does not have overdraft protection enabled and is configured to decline transactions when sufficient funds are not available. Despite this, multiple debit transactions were posted that exceeded my available balance and resulted in an overdraft. 

I did not authorize : Any recurring or subscription-style charges Any transactions that exceed my available balance Any merchant to bypass insufficient-funds controls on my account When I contacted the merchant, they stated that packages were purchased from your side, but they did not explain how the transactions were authorized or settled when funds were unavailable. They denied responsibility and redirected blame to my bank. 

I disputed these charges immediately upon discovery. I am requesting that my bank : XXXX. Reverse the sum of unauthorized debit charges XXXX. Reverse any overdraft fees associated with these transactions XXXX. Provide a written explanation of how these transactions were authorized and posted despite insufficient funds and overdraft protection being XXXX Wells Fargo has refused to offer temporary credit while conducting their investigation and has refused to accept any written dispute or evidentiary documents from me. They have broken phone appointments with me. They have nade it clear that I am not a priority. 

I am concerned that my account controls were not properly enforced and that the bank allowed settlement of debit transactions that should have been declined.

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 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Banks response does not address the issue raised in my previous complaint. 

My complaint was not about interest charges or promotional financing terms. It was about Synchrony initiating a provider based dispute without my authorization and misrepresenting that action as having been taken at my request.

I clearly stated that I was not disputing receipt of medical services. Nevertheless, Synchrony contacted my medical provider, created a third party dispute record, and later asserted that this dispute was authorized. This assertion is incorrect.

This mischaracterization diverted my complaint from its original subject, caused harm to an ongoing medical provider relationship, and created inaccurate internal records. 

I did not authorize a dispute with my medical provider and explicitly stated that I was not disputing receipt of medical services. Despite this, Synchrony initiated third party communication with my provider and later claimed this action was taken at my request. 

This misrepresentation is documented in Synchronys CFPB response dated XX/XX/year>. No evidence of consent or authorization has been provided. 

This conduct created harm to an ongoing medical provider relationship and created a risk of inaccurate internal records or credit reporting. I am requesting CFPB review of Synchronys dispute authorization practices and misrepresentation of consumer complaints.

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 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist unilaterally and without any prior notice closed our account, resulting in the immediate restriction of access to funds that originated solely from legitimate investment proceeds. 

We have made multiple in-person visits to the branch, during which we were repeatedly instructed to contact the fraud department. After complying with this instruction, we were then advised that a fund recall request must be initiated through the remitting bank, which we promptly completed in full. 

Despite full cooperation and compliance with all requested procedures, we have conducted multiple follow-up calls and yet no substantive progress, resolution, or timeline has been provided. To date, the funds remain unreleased, inaccessible, and wrongfully withheld, causing ongoing and material financial harm. 

This prolonged lack of action, combined with the absence of any formal notice or explanation, raises serious concerns regarding due process, procedural fairness, and regulatory compliance. We consider the continued retention of these funds unjustified and unacceptable. 

Accordingly, we hereby formally file this appeal and demand the immediate release or return of the funds. If this matter is not resolved promptly, we reserve all rights to escalate the issue to senior management, external legal counsel, and the appropriate regulatory authorities, without further notice. 

We expect a written response with a clear resolution timeline as a matter of urgency.

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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, my account went in over draft due to having to pay rent. My checking account that I get paid every week with incurred multiple overdraft fees. The first paycheck since the overdraft helped partially but I didnt work the same hours due to snow storms. Some of these fees were refunded by the bank, but others, arising from the same negative balance and same time period, were not. I contacted the bank and spoke with a representative and a supervisor, but they refused to refund the remaining fees. The overdraft occurred due to the timing of my direct deposit, and the fees stacked before my account was credited. I am requesting that the remaining overdraft fees be reviewed and refunded, as the bank has already refunded similar fees in this same situation or at least take the fee from a next paycheck so the one Im getting paid today can put my account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Coast to Coast Financial Solutions, Inc.
State: OH

Complaint narrative:
I moved in XXXX and I did not receive a paper bill and I never received an email in regard to the amount due.

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 2026-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
My house was deamaged by tree on XXXX XXXX. Finanly, I recevied over XXXX payout from my insurance company ( XXXX XXXX ). So, I submitted the claim to my mortgage servicing company ( Freedom Mortgage ) on XXXX XXXX, XXXX and sent out the checks for endorsement on XXXX, XXXX XXXX. But, the mortgage company still not release the checks for whatever the documents that I provided to them. I provided the docusments that I can get from my adjusters and they said because the email was farwarded to me. That is not acceptable. They are still not release the funds as today ( XX/XX/XXXX ). I am very fraustrasted at this moment. Please kindly help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX  XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was charged on my Discover card, via XXXX, for a digital product from company XXXX. I did not authorize this purchase. It was on Friday XX/XX/year> for {$49.00}. Usually when I make a purchase, I get a prompt verifying that I want the product, asking how I want to payapple, XXXX, credit card, etc. in this case I was scrolling and only received a receipt of purchase that popped up, and at no time did I order the digital content or authorize the purchase. I did not redeem the content, which also meant I was frozen from the game because you have to claim the content to do anything.there is no option to set it aside a continue to play. I immediately contacted xsolla to cancel the content and refund the purchase price. I had to enroll in their online dashboard to do this. I waited for a response to my request, but after 24-48 hours I continued my game assuming the content could easily be deducted since they knew what it was. On Monday I received a response and again explained. I was told they couldnt do anything about it. This was not an accidental purchase, because I did not authorize it.i just accidentally pressed a little too hard when I was scrolling, which should have generated a prompt asking me to confirm/authorize the purchase. I have fried though XXXX, XXXX and discover to get a refund. They all defer back to xsolla, who I feel is not being upfront. First they told XXXX it was for a subscription that wasnt canceled. Then when I appealed that, they said it was for a prearranged billing agreement. I did not have a billing agreement with xsolla. These are supposed to be one time purchases that are authorized each time. There should be not automatic billing!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for a credit card and somehow ended up with a XXXX XXXX despite not traveling and was charged a XXXX $ annual fee. As I did not request this kind of card, I called and asked to have the fee explained and waived and switch to the product to that which I applied for. The account was only opened for 3 days ( I called as soon as I was charged ). When I tried to talk to customer service, they still never explained anything to me and refused to work with me. This is an unfortunate example of predatory banking and I am just trying to have the fee waived and the card cancelled without having to pay this ridiculous feeI dont even travel!

Company response to consumer: Closed with explanation