vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I had received a hold on a check I had to tried to deposit to my account XX/XX/XXXX. Was given no actually reasoning as to why this had occurred and after several attempts at inquiring why this happened, I was given no answer and then on XX/XX/XXXX right after I had attempted to make my rent payment my entire account has been put on hold with no reasoning as to why. Now I have no ability to access my money and am subject to paying late fees on rent. I have spent 10 hours in the past week trying to resolve this issue, with no assistance from anybody. I expect PNC to take responsibility for my late rent or I am going to take legal action against this institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Failure to respond to notification of error ( 12 C.F.R. 1024.35 ) FirstBank has not complied with federal regulations under 12 C.F.R. 1024.35 ( RESPA ). On XX/XX/year>, I filed a Notice of XXXX regarding a discrepancy. 

Under RESPA, the XXXX is legally obliged to provide a written response directly to the consumer within XXXX working days..

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: NV

Complaint narrative:
I am filing a complaint regarding my Venmo account, which remains inaccessible due to a persistent technical error following a confirmed fraud incident. 

My account was compromised, and {$100.00} was taken without authorization. I disputed the transaction, and Venmo returned the {$100.00} to my account. However, I am now unable to access the account to retrieve those funds. 

Venmo repeatedly instructs me to reset my password. Despite working with multiple support representatives and completing multiple reset attempts, the password creation process consistently fails with the error message : Something went wrong. Please try again. 

Venmo has confirmed they will not release the funds or issue a check unless the account is unlocked, yet they have been unable to resolve the technical issue preventing access. This appears to be a backend system error beyond my control. 

I have an open case with Venmo under case number XXXX, but the issue remains unresolved. As a result, my funds are being withheld despite no wrongdoing on my part. 

I am requesting that Venmo either : Unlock my account so I may access my funds, or Release the {$100.00} balance to me by an alternative method I am also requesting closure of the account once the funds are returned. 

Thank you for your assistance in resolving this matter. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I have filed an FTC complaint and a complaint with the Attorney General against World Finance Corporation after researching this company and its repeated unlawful collection and reporting practices. The first and most serious violation is that I never received any written notice from this company before this account was placed on my credit report, in direct violation of FDCPA 809 ( a ). 
After discovering the account, I requested full debt validation more than 30 days ago, and I have received nothing. Proper validation includes the name of the original creditor, a valid account number, an itemized breakdown of the balance, documentation showing I have a legal obligation to pay, and proof that World Finance Corporation has the legal authority to collect and report this debt. None of this information has been provided. 
Despite the lack of notice and failure to validate, World Finance Corporation continues to report this account, which constitutes continued collection activity without validation in violation of FDCPA 809 ( b ). Reporting an unverified collection is inaccurate and misleading and violates FCRA 623 ( a ) ( 1 ) ( A ). In addition, the company has failed to conduct a reasonable investigation after dispute, in violation of FCRA 611 ( a ). Continued reporting without verification also violates XXXX XXXX reporting standards, which require that furnished data be complete, accurate, and verifiable. 
If World Finance Corporation claims it has proper validation, that documentation should be attached directly to this CFPB complaint, as it has clearly not been provided to me by mail or any other method.

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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
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 is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I dispute the collection account being reported/collected by Credence Resource Management XXXX This tradeline is appearing on my credit report as a collection account with an alleged balance of approximately {$3700.00} and a reported on date of XX/XX/year>. I do not recognize or owe this alleged debt, and I have no contractual relationship with XXXX. 

If XXXX claims it is collecting on behalf of another entity or purchased/was assigned this account, it must prove ( XXXX ) that I am the correct consumer, ( XXXX ) that a valid debt exists, and ( XXXX ) that XXXX  has legal authority to collect and report this specific account. I have not been provided competent documentary evidence tying this alleged debt to me. 

I am requesting that XXXX  provide full validation and substantiation, including : the name of the original creditor ; the original contract or application bearing my signature ( or equivalent electronic authorization records ) ; a complete account history and itemization of the amount claimed ; the date of first delinquency ; and documentation showing assignment/authority to collect that identifies this specific account. If XXXX can not produce this documentation, it must cease collection activity and cease furnishing this tradeline to the credit bureaus and request deletion from all bureaus.

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: CL Holdings LLC
State: LA

Complaint narrative:
I dispute this alleged debt and any related credit reporting by Jefferson Capital SystemXXXX. I did not open or authorize the underlying account, and I have no contractual relationship with XXXX XXXX. I have never signed a contract with XXXX XXXX, and I do not recognize this obligation. 

If XXXX XXXX claims it purchased or was assigned this account, it must prove ( XXXX ) that I am the correct consumer, ( XXXX ) that a valid debt exists, and ( XXXX ) that XXXX XXXX has legal authority to collect and report this specific account. To date, I have not been provided competent documentary evidence tying this alleged debt to me. 

I am requesting that XXXX XXXX provide full validation and substantiation, including : the name of the original creditor ; the original contract or application bearing my signature ( or equivalent electronic authorization records ) ; a complete account history and itemization of the amount claimed ; the date of first delinquency ; and documentation showing chain of title/assignment that identifies this specific account. If XXXX XXXX can not produce this documentation, it must cease collection activity and cease furnishing this tradeline to the credit bureaus and request deletion from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Every disputed account requires resolution consistent with all legal deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased an XXXX airline ticket for {$1700.00} on XX/XX/year> that was sold to me as a fully refundable XXXX XXXX ticket. XXXX later issued a refund case number on XX/XX/year> and confirmed the refund would be processed within XXXX  days. Chase initially credited my account, then reversed the credit claiming XXXX refused payment, despite written proof that a refund was approved with the email case number from XXXX. Chase failed to properly investigate this billing dispute as required under the Fair Credit Billing Act and permanently reversed my credit without resolution. 
I am requesting Chase issue a permanent refund of {$1700.00} and correct their failure to handle this dispute.

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: Block, Inc.
State: NY

Complaint narrative:
My cashapp XXXX account was emptied out by XXXX XXXX. I was XXXX  from XXXX XXXX to XXXX XXXX XXXX. I gave no authorization to anyone and I did not get my last XXXX checks.they have denied both claims. Ref. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Received a letter from Credit Collection Services regarding a XXXX XXXX XXXX XXXX. Company debt needing to be collected in the amount of {$47.00}. Progressive aact # XXXX. Not sure what this is because XXXX automatically deducts my payments from my bank account. Please advise via email XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am requesting an immediate cease and desist of all collection activities, communications, and reporting actions related to the account referenced in my Consumer Financial Protection Bureau ( CFPB ) complaint.

I dispute the validity and accuracy of this account and do not consent to any further contact regarding this matter. This includes, but is not limited to, phone calls, text messages, emails, letters, third-party contact, or continued credit reporting.

Pursuant to applicable federal law, including but not limited to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are hereby instructed to cease all collection efforts unless and until you can provide competent, verified documentation proving : 1. My legal obligation for the alleged debt 2. Your authority to collect or report the account 3. The accuracy and completeness of all information furnished to any consumer reporting agency Failure to comply with this reques

t may constitute continued violations of federal law and will be documented accordingly with the CFPB and any other appropriate regulatory or legal authority.

This notice is not an acknowledgment of liability, nor does it constitute permission to continue communication. Any future contact outside of legally permitted responses will be considered harassment and noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
My account ( s ) show XXXX, XXXX, or XXXX day delinquencies during XXXX 2025 ] but during this time I was still attending my course and had not completed my obligations for the term. 

According to my records and XXXX University enrollment verification, I was an active student during this period, finishing my phamacology coure that was requied to get my certificate. 

These reported late payments are inaccurate and misleading, and they have negatively impacted my credit report and credit score. In addition i was on strike at work at XXXX XXXX XXXX and income was temporarily lost due to strike and you were unable to make payments. The attach below show my course finished in XXXX 2025. I made multiple attempt to tell them however it was never adressed

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this dispute through the Consumer Financial Protection Bureau regarding inaccurate credit reporting by XXXX for account ending in XXXX. 

XXXX is reporting late payments on this account for the period of XX/XX/XXXX through XX/XX/XXXX. I dispute the accuracy and validity of these reported late payments. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information have a duty to report information that is complete, accurate, and verifiable. At this time, XXXX has failed to provide proper verification that these late payments are accurate, timely, and reported in accordance with federal law. 

I am requesting that XXXX : 1. Conduct a reasonable investigation into the disputed late payments 2. Provide documentation proving the accuracy of the reported late payment history for XX/XX/XXXX through XX/XX/XXXX XXXX. Correct or delete any information that can not be fully verified as accurate 4. Update all consumer reporting agencies accordingly Continued reporting of inaccurate or unverified late payments may constitute a violation of the Fair Credit Reporting Act. This letter does not constitute an acknowledgment of liability for the alleged late payments. 

I respectfully request that this matter be investigated promptly and resolved by correcting or removing the disputed late payment entries from my credit report. 

Thank you for your attention to 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: 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: AL

Complaint narrative:
XXXX XXXX  took my money from me. I was asked to upload {$150.00} for verification completion & then was asked to upload an additional {$250.00} to withdraw my balance of {$30000.00}. Once I uploaded the funds they had already taken out thousands of dollars using XXXX & other cryptocurrencies. I filed a dispute with both banks & I was only able to get a little over {$400.00} of my money back. I am a single mom & I just need my funds back. These funds were taken from my XXXX & my chime account in which disputes were already filed with both accounts.

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: BTH Management
State: SC

Complaint narrative:
PLAZA SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERVIC 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This complaint is about XXXX different accounts being reported by this company. 

I disputed both accounts with XXXX because I dont believe they are mine. When I did that, the company was supposed to check and verify the information. 

Instead of actually proving the debts were mine, the company just said the accounts were verified, but did not give me any paperwork, contracts, or proof showing that I owe them or that they legally own the debts. 

While the dispute was happening, they also updated information on both accounts, like payment history and delinquency dates, even though they never showed proof that the information was accurate. 

Ive tried to fix this by disputing the accounts and asking for verification, but the company is still reporting and trying to collect on these debts without showing that they belong to me. 

I am asking for these accounts to be removed unless the company can actually provide proof that I am legally responsible for both of them.

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: Radius Global Solutions LLC
State: FL

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL 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 non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit 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: U.S. BANCORP
State: TX

Complaint narrative:
Since XXXX I have requested the annual charge for XXXX XXXX not be honored. The last charge was made to my account on XX/XX/XXXX. I am also being charged 15.49 % interest and late fees. I have explained on numerous occasions to U.S Bank XXXX XXXX I have attempted to go online, call, email XXXX and XXXX tell me repeatedly they have no account on file for me. U.S. Bank is not helpful and gives conflicting and useless information. I am XXXX XXXX XXXX and have not used my computer in over XXXX years. I just closed my credit card but do not feel obligated to pay the charges for XXXX or any future charges I can not get anyone to help or listen I will be going to assisted living this year and am on a fixed income. Internet is provided at the facility and I will not be taking a computer but I certainly do not need XXXX. Can you please help me?

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Thursday, XX/XX/XXXX. I have been repeatedly trying to link my XXXX and XXXX XXXX  account only for venmo to always fail agter successfully verifying and giving it all my information. This means that venmo has all my personal information and I have it but it refused to provide the service it promised to me. This is Unfair or Deceptive Acts or Practices under 12 U.S.C. 5531 CFPB UDAAP. The failure of venmo.

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 is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This complaint is about an account being reported and collected by Portfolio Recovery Associates that I do not believe belongs to me. I disputed the account because I do not recognize owing this debt to Portfolio Recovery. 

After the dispute, Portfolio Recovery claimed the account was verified, but they did not provide any documents showing that I agreed to this debt, that the balance is correct, or that they legally own the account. I was never given a contract, statement history, or proof of transfer from the original creditor. 

During the dispute process, Portfolio Recovery also updated the account information, including delinquency dates and account history, even though no verification was provided to support those changes. 

I have tried to resolve this issue by disputing the account and requesting verification. Still, Portfolio Recovery continues to report and attempt to collect this debt without showing that it is actually mine. 

I am requesting that this account be removed unless Portfolio Recovery can provide clear documentation proving that I am legally responsible for it.

Company response to consumer: Closed with non-monetary relief
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: Block, Inc.
State: MO

Complaint narrative:
I used Cash App to transfer funds. I found out that it was a scam by someone in XXXX. I contacted Cash App, they said too bad. I called and a new report was taken and escalated. Can App canceled my account and removed the information about the fraud. They knew about this fraud and did not warn me or do anything to resolve it. I lost about {$1000.00}. I today received an email saying they would not reopen my account and nothing about the scammed funds. They are crooked and I wish I had known beforehand. Please help me. Thanks

Company response to consumer: Closed with explanation